Cumulative life insurance: rating of companies in Russia and abroad

No one can be sure of the future. Even those who carefully plan their own lives are not immune from illnesses, accidents, crimes, etc. But there is a way to be sure of the material well-being of loved ones. Cumulative life insurance will come to the rescue. The rating of companies offering such a service will be presented below.

What is funded insurance?

The program of life-saving life insurance gives an opportunity to accumulate certain funds for several years. The client undertakes to pay contributions every month or annually. At the same time, the insurance company is obliged to pay a certain amount in the event of an insured event or upon the completion of the contract.

Abroad, accumulation life insurance is more developed. The rating of companies abroad is supplemented annually by new young organizations that propose to conclude a deal on more favorable terms. Customers get the opportunity not only to save funds, but also to multiply them. Cumulative insurance assumes the possibility of capital accumulation in combination with life and health insurance of the client. Before concluding such an agreement, it is worthwhile to study the proposals of various companies.

"Renaissance Life"

The insurance company has been operating on the market for a long time and managed to win the trust of citizens. This is one of the first domestic organizations that began offering life-saving life insurance. The rating of companies offering such a service, "Renaissance Life" starts not by chance. The client has the ability to choose which currency to enter into the transaction. It can be rubles, dollars and euros. Any citizen of the Russian Federation from 18 to 55 years old can become a client. At the end of the contract, the client should not be more than 65 years old.

There is an opportunity to choose the term of insurance (maximum - 10 years). Upon termination of the contract, the client is paid the entire amount of contributions with a 40% benefit. In the event of the death of the client, paid premiums are returned to the beneficiary. All the money that a person pays is protected from inflation. Thus, everyone gets the opportunity to plan their financial future.

ASKO

Cumulative life insurance is becoming popular around the world. The rating of companies of Kazakhstan is opened by the organization "ASKO". To insure life and health and at the same time any adult citizen of the country can accumulate a certain amount of money. The cost of the policy is calculated individually and depends on the amount that the client wants to receive at the end of the contract.

You can apply for a deal in real time. In order to get a policy, you do not need to leave the house. All necessary documents will be delivered by mail. Those customers who still come to the company's office on their own can receive a 15% discount when making a deal.

«Life Alfa Insurance»

Will give confidence in the future of cumulative life insurance. The rating of companies is continued by "Alfa-Insurance Life". The program, which is offered by this company, will help not only to accumulate the necessary amount of funds to a certain point, but will also become a material protection in case of death of the client or his loss of ability to work. In the event of an insured event, the whole amount is paid to relatives.

The savings program is completely protected from taxation. Until the return of money to the client, all contributions made are considered property of the insurance company. Therefore, material obligations to the state are completely absent. The client of an insurance company can be any adult citizen of the Russian Federation no older than 55 years. Upon termination of the contract, the policyholder receives the full amount of contributions with a fee of 17%.

"Rosgosstrakh Life"

The institution also offers beneficial accumulative life insurance. In the rating of companies in 2016, Rosgosstrakh took one of the first places. The program offered by the organization has several advantages. The client, as well as his relatives can receive financial protection in unforeseen situations (death of the insured, illness, accident). In addition, it is possible to generate targeted savings for study, the acquisition of real estate or a vehicle. The insurance program allows you to plan your expenses correctly. The indexation of accumulated funds is annually carried out, which helps to protect them from inflation.

How it is possible to issue accumulative life insurance? The rating of the companies includes organizations with whom it is possible to conclude a contract on loyal terms. If we consider Rosgosstrakh Life, then any adult citizen of the Russian Federation, no older than 70, can become a client. The term of the contract is from 5 to 22 years. At the time of conclusion of the transaction, the client has the option to choose the mode of payment of insurance premiums - monthly, quarterly or annually. Upon termination of the contract, the policyholder receives back the entire amount with a fee of up to 10%.

Russian Standard Insurance

The institution offers a wide range of insurance programs, including life-saving life insurance. The rating of the companies of Russia the organization has replenished not casually. A contract concluded with an insurance company can be an excellent alternative to a deposit. The funds contributed by the client are reliably protected from inflation. This means that the client can be sure that the money will not only be saved, but also multiplied. In addition, the policyholder will receive payments in the event of an accident or illness.

The client of the Russian Standard Insurance company can be any Russian citizen who has reached the age of 18 years. You can sign a contract in any office of the institution. In real time, you can also apply for a life insurance policy. The rating of insurance companies for the most part includes organizations that have convenient web resources for customer service. Customers of the "Russian Standard" can at any time go to their online office and clarify information on savings.

Sberbank Insurance

"Sberbank" is the most popular financial institution in Russia. It offers organization and accumulative life insurance. The rating of the companies is enlarged by the institution because it represents quite favorable terms of the transaction. In addition, several savings insurance programs are offered. "First capital" is a product that involves the accumulation of funds for children for adulthood. The transaction can be executed immediately after the birth of the child. The heir will receive the full amount of the accumulated funds upon reaching the age of 18.

The insurance program "As a salary" also enjoys popularity. The bottom line is that the client pays the fees until he goes on a well deserved vacation. Then the payments are already beginning to flow to him. Such savings insurance is especially beneficial for people who work unofficially. Payments insurance company can be an excellent addition to a small pension. When leaving the life at the stage of accumulation, the amount of compensation is received by relatives.

«VSK insurance»

This institution also offers cumulative life insurance. In the rating of companies in 2016, providing services in the territory of St. Petersburg, the organization won first place. Plus, that not only Russian citizens can be insured, but also foreigners permanently residing on the territory of the country. Under the program of cumulative life insurance, a child over 12 months old can also be insured. Payment of remuneration is carried out in the case of a specified period or before leaving the client's life.

At the request of the policyholder, an additional item on the health may be added to the contract. The amount of regular contributions will be slightly higher.

Cumulative life insurance from the company "VSK" has its own characteristics. The client has the opportunity to independently choose the amount of guaranteed savings. This is a profitable investment of money. The funds are indexed, so they are reliably protected against inflation. Contributions to the client must be made quarterly or semi-annually throughout the term of the insurance (from 5 to 20 years). The minimum amount of the sum insured is 150 thousand rubles. You can make a deal in foreign currency (dollars or euros).

Metlife

For a fairly long period of time, life-saving life insurance is issued. The rating of companies with payment of annuities should be studied at least in order to be sure of the exact receipt of the remuneration at the end of the contract. It is no coincidence that many customers decide to cooperate with foreign companies. One of the most popular foreign insurance organizations is Metlife. The company has been operating on the market for more than 15 years. Offices are also available in the CIS countries.

The program of accumulative insurance called Prestige is popular. The beneficiary can become both an adult and a child. The client has the opportunity to independently choose the sum insured, which will be divided into equal parts. The customer can contribute monthly or annually. Accrued money is paid at the end of the contract or in the event of the death of the insured.

The "Prestige" program is a reliable financial foundation that allows you to prepare for important events in the future. Calculation of the estimated cost of insurance can be made in real time on the official website of the company.

"VTB Insurance"

The organization also offers, on favorable terms, cumulative life insurance. In the rating of companies in 2015, the company entered the top ten. We offer profitable programs for children and adults. The product "Reserve Fund" is popular. Already the first payment gives an opportunity to receive the maximum financial help in an emergency situation. In addition, each client has the opportunity to receive 13% of the invested amount back as a tax deduction.

"Reserve Fund" allows you to create legal protection for financial savings. Contributions paid by a client under an insurance company contract can not be withdrawn by a court decision.

"Personal Plan" is another popular program of funded insurance. With the help of regular payments, the client can form a personal capital, which will be paid to a certain date.

How to make the right choice?

Cumulative life insurance can be really beneficial. Rating of companies, reviews about them - this information is worth studying before you stop at a particular institution. It is worth considering that the contract will have to conclude a long-term contract. To give preference to insurance companies that have been operating on the market for more than 10 years.

It is necessary to pay attention to the authorized capital of a particular organization. The company is considered reliable if this figure exceeds 200 million rubles. Pay attention to the free assets of the insurance institution. The more a company has material values, the higher its solvency.