Investment life insurance: types, description, profitability and feedback

Almost everyone thinks in one way or another about their future. Now there is quite a lot of providing it in a certain amount of time, and one of them is life insurance. The investment income of this approach, which will be considered within the framework of the article, allows you not to lose the earned funds, but to receive additional amounts.

general information

What is accumulative investment life insurance? This tool is simultaneously a symbiosis of two directions. It combines both insurance and investment. To attribute this tool to something one, alas, is not possible.

What does he represent? In fact, it is a hybrid of classic life insurance accumulation, to which an investment component is added, presented as mutual funds. This approach involves placing part of the portfolio (if the client wants) in more risky and simultaneously profitable financial instruments.

What is so interesting about this combined approach?

Among the very first advantages, it should be noted the availability of standard insurance protection. What does this mean in practice? If a person decided to use such a combined tool, he receives insurance to cover the initial investment and the amounts received as a result of investments. To this aspect, many relate rather lightly. Although, it must be admitted, accidents happen quite often.

Insurance programs are aimed at combating their consequences. They help to maintain a stable financial situation even in the most unpredictable circumstances.

Quite popular is the formulation of such a problem: if a person survives to the end of the insurance period, and he does not have a problem, he will receive the amount paid and the interest that ran through it. That is, money is not lost, and there is protection.

In this case, and a lot of nice bonuses, which can vary in different companies. The most popular - in case of loss of a client's ability to work, the insurance company makes contributions for it, so that, ultimately, he receives all the necessary payments.

Profitability

Although the previous benefits can also boast of various cumulative programs. But in the case under consideration, there is still a small feature. And it consists in the income received. So, insurance savings programs allow you to receive about 5-6%, which in our conditions does not even block inflation. This is due to the conservative allocation of funds. And for decades there is no desire to save.

And here comes the investment life insurance. Rosgosstrakh or another company is not important. The role is played only by the mechanism itself. So, a significant part of the funds goes to investment tools. The ratio of them in this case is usually 1: 4. That is, for every monetary unit that goes to the insurance part, four are invested.

The yield between the investments can be written approximately in the same ratio. At the same time, one should be cautious about those companies that offer income one and a half times higher than bank deposits and more.

Caution!

Why should we treat attentively those who receive money? The peculiarity of investments is that they are more profitable than deposits, but at the same time it is riskier. But first things first.

If too high interest is offered (30 or more), then there are two options: either fraudsters or organizations that invest in very dangerous assets. Yes, there is also such that a profit of 70, 100 and 300 percent per year is possible. But the probability of burning here is also very high. Therefore, if there is a desire to save your money and not lose it, then you should focus on indicators in the region of 20-30 percent. Then there will be a low probability of losses, moreover, insured, and by the end of the period, solid capital will be collected.

To avoid falling into the hands of scammers, it is always worth asking about where the money is invested, ask for supporting documentation and, of course, check it through other channels. Also, you should carefully study the investment life insurance contract, and if in doubt, consult a third-party lawyer (preferably not the one across the street from the company).

Features in the Russian Federation

Most of all, the legislative aspect is of interest. In the Russian Federation, such a useful tool as investment life insurance is practically not worked out. Of course, there are basic prerequisites for work, but, alas, it is still far from complete and clear design.

In order to circumvent legislation, two treaties are concluded. One regulates the issues of insurance, and the other - the investment program. And then a certain percentage of funds goes to the necessary direction.

For a novice investor

We can confidently say that we live at a time when the financial markets are quite unstable. Therefore, before starting investors a serious dilemma: what to choose? Investment life insurance is suitable for those who want to invest in their future, rather than receive a penny from bank deposits, and at the same time does not want to risk fully. Therefore, you can take such a balanced and careful approach.

Let's talk about the example of investment life insurance. "Sberbank". The yield of one of the largest representatives of this type of services on the territory of the Russian Federation allows increasing real, rather than nominal, capital to 15 percent per year. Of course, this is in the optimal perspective. Maybe it's that he gives only 5% growth, but that's an increase.

It is worth noting that the program of investment life insurance is still designed for quite significant amounts. So, it is necessary to save up at least 3 months of income on the deposit, so that the application is considered.

Why is there such an inconvenient restriction? The fact is that the market is constantly experiencing periods of growth and decline. And the probability of catching luck exists on medium terms. And for this it is necessary to wait. And to work with small amounts and deposits in such cases is extremely inconvenient.

What is the opinion of this people?

So, we already know quite a lot about investment life insurance. Reviews will complement the current picture. If you look at the information provided on the Internet, most people evaluate this financial tool positively.

First of all mention insure. After that, there are flattering reviews of many investment programs for specializing companies. So, they invest their customers' attachments in addition into several parts. One goes for a very reliable investment like precious metals, the other - in the shares of companies that work successfully, the third part - in securities with increased (little) risk and profitability.

Also note the preferential taxation. Thus, in the Russian Federation, only the portion of income that exceeds the refinancing rate of the Central Bank is charged.

Of course, many remind us that there are risks here. First and foremost, you should try to get around the scammers by the tenth way.

Conclusion

Financial instruments are constantly being improved. As a result of improving what is, and there was an investment life insurance. This approach allows to ensure the maximum benefit for all enterprises that are engaged in this. But do not concentrate on one thing and one company. It's good if the funds are dispersed in two or three organizations. And even better - if their number will be about five or six.

But in order to participate, you need at least some start-up capital. Therefore, you should take care of good incomes. This will be promoted by honed financial culture and qualification as an employee. And this is achieved through self-education and constant self-improvement.