Investment programs in the company and savings insurance. Investment insurance of life with the payment of additional income. Trust but verify

I have repeatedly witnessed how bank employees actively fell offend the people of cumulative and investment insurance polishes with the words that "it's like a deposit, only more profitable." At the same time, silent about the peculiarities and disadvantages of this financial product. Sometimes such stories end with unpleasant surprises. Here is one of the user reviews:

When buying a policy of health insurance or life, the insurance company is necessarily asking for information on the state of the client's health. However, when selling NSG policies and saint (accumulative and investment insurance of life, respectively) through intermediary banks, employees are not always interested in this issue, and people do not know what to report.

Polis will be considered invalid for people who have disability, certain diseases or outpatient treatment. Only then the attentive person will be able to learn about this from the details of the contract. Another sad customer review:

What is accumulative and investment life insurance

NCS and ISP are hybrid financial products that include insurance and investment. Provide their insurance companies, but the main sales go through partner banks.

Cumulative insurance is focused on the formation of accumulations together with insurance protection, and investment - on investment growth and also insurance protection. Policy is drawn up for a long time, usually from 3 to 7 years. In the case of NSS, you undertake to produce regular contributions, and in the sample the whole amount is usually paid when the policy is opened.

During the period, you cannot pick up your money, except by paying a large penalty (up to 100% of all your replenishment). By expiration you get your money back, plus, perhaps additional investment income. Return your funds is guaranteed, and additional income is only expected.

In case of an insured event, you usually receive insurance compensation in the amount of funds made.

The internal device is reminds of a structural product. There is a basic part of attachment, which has a low risk, for example, reliable bonds or bank deposits, which ensures a guarantee of funds return. And there is an investment part, usually in the form of financial derivatives, which for the term of the contract or "burn" or make a profit. Specific details of what is included in your insurance, insurance companies do not disclose, although sometimes in general words offer different investment strategies.

What is real profitability

Sellers lure customers with high yield promises often call numbers 20-25% per annum. But you need to not forget that this is only expected, but not guaranteed profitability, but many people who are accustomed to deal with bank deposits do not understand this.

We guarantee insurers only the return of the submitted amount (excluding inflation), and sometimes a small 2-3% yield for accumulative insurance. As they calculate the investment yield, you can't check in any way, and forced to believe that they will show you.

At the sectoral event in October 2017, the President of the Association of Life Insurers said: "The yield now can reach up to 7-8% per annum." Do not miss the words "may" and "to".

How much do you lose

In September 2017, the Director-General of one of the major insurers told about the results of investments in the inspection: "According to a significant proportion of five-year-old contracts, the yield will be close to zero - by virtue of objective reasons. The basic assets that were invested by the means of insurers under contracts until 2014 were greatly lost in price due to force majeure and crisis in the economy. "

It is difficult to assume what basic (reliable) assets chose an insurance company that received such results. Compare their results with the index of Russian government bonds, which forms the Moscow Exchange:

For those mentioned 5 years, it grew by 53%. The MICEX shares index taking into account dividends increased by 76% for the same period.

I can open a secret and tell why this yield is obtained. Here is a picture from the workshop for financial advisers who are trained to sell life insurance policies:

Comments, as they say, unnecessary. And do not forget that these are only the Commissions to agents, and the insurance company itself did not attempt exactly. All this money is paid from your pocket.

Other risks of NSG and saint

In contrast to bank deposits, policies are not insured by the state.

Many subtleties can be found in the contract and on insurance payments. In some cases, the payment will be refused to you (for example, a person drank a little, and a car was shot down, "the" myself "himself"), some heavy diseases will not be found fatal, and you will not get anything. You are obliged to notify the insurer of various changes in your life (for example, place of residence, work, kind of activity, hobbies). And the insurance company in some cases can unilaterally increase the amount of your contributions. Nuances can be different, study the contract.

Pluses of NSG and sorry

The funds invested on the insurance program can not be confiscated, impose an arrest on them, to recover for a court and so on. They are not subject to all when divorced. In the event of the death of the insured, not in general procedure is inherited, but they are paid to the person specified in the Police without waiting for 6 months.

conclusions

As a result, we get an opaque product, the financial results of which suffer from huge commissions, and the insurance amount is limited by you contributed. Single miracle yudo, which brings a good profit of the insurance company and agents-sellers.

Today, many are thinking about how to maintain and increase their accumulations. The usual bank deposit barely covers inflation. An independent investment requires certain knowledge, while the risk is greatly lost all the money. Having caught a tendency, insurers developed a new product - investment life insurance (saint), which is, in fact, an investment instrument in the insurance shell. Like any financial and insured product, it has its advantages, but not deprived of the shortcomings.

What saint, how it works, and in what cases such an insurance program will be beneficial to Russian, we will talk in this review.

What is investment life insurance?

In our previously considered, the main goal of the insured is to accumulate for a certain number of years a certain amount and ensure the financial protection of the family in case of the loss of the breadwinner. The purpose of investment insurance is to increase (already accumulated by the client) of funds by analogy with the banking contribution, and at the same time ensuring the financial protection of the close insurer in case of unforeseen circumstances (departure from the life of the insured).

Only here is there is a small nuance - the saint and the classic contribution are completely different things, because in contrast to the contribution, where income is guaranteed in the form of accruals of the interest specified in the contract, it does not guarantee any income.

In general, any actions related to "investments" are associated with risk, and the more income promise you, the greater the risk of not to receive it (and in some cases, the invested funds are completely losing). Therefore, as definition, I would like to take the quotation from the site of the Central Bank of the Russian Federation, which, by the way, is the regulator of the insurance industry of the Russian Federation.

Investment insurance of life - This is a tool for investing with the ability to get potentially high income if the market will grow, and a guarantee of a return of the contribution, if the market rushes down. The feature of the program is immediate compensation in case of caring from the life of the insured person.

That is, you make an insurance premium, and you can count on receiving income significantly higher than the average rate of deposit rates due to the fact that the insurer will invest (invest) your funds in some assets (funds, stocks, bonds, etc. ). But if the investment will bring insurer not income, but losses, then you will not leave in minus - you are guaranteed to return your money invested as a contribution. Well, an additional "bonus" to all this is the insurance of life in various risks.

How is the policy of sorry?

Since the investment insurance of life is a financial and insurance product, it makes sense to consider separately its financial and insurance components.

Financial component of the Polis

The fee of the client is divided by the company for two unequal parts: Warranty Fund (GF) and Investment Fund (IF).

The warranty fund is most and used by the insurer to invest in fixed return tools (for example, deposits, federal loan bonds). It is at the expense of the GF to guarantee the client a 100% return of invested funds in any situation in the market. The GF is also called the insurance reserve.

The investment fund is used to invest in high-yielding, but also high-risk tools (stocks or bonds of Russian and foreign companies, futures, options). In the case of market growth, it can give good income, calculated by tens of percent per annum! How to like to indicate insurers on their official sites: the profitability of the program is not limited to, which causes some customers to swallow saliva, pretending which launches they could get.

The fact is that companies offer to choose a customer (hereinafter quotation LLC SBEBANBAN Life Insurance LLC in the description of the SmartPolis product) - "Proven strategies for investing a risky fund, which tend to increase in the long term" (We will talk about strategies in more detail. slightly lower). And for each strategy, it is sometimes indicated by the yield obtained for some period in the past. This is usually a pleasant number for the eye, but pay attention to the fact that the income received in the past does not guarantee its receipt in the future - the market is unpredictable and a steep and long-lasting fall may follow.

The ratio of GF and IF depends on the term of the contract. What he is longer, the most part participates in investments, which means there is a possibility of obtaining higher income.

In any case, you (or your relatives) get back the amount equal to at least your contribution, or an amount enlarged on investment income.

Insurance component of the Polis

At the heart of the FIA \u200b\u200blie classic life insurance risks - to live up progress until the end of the contract and death for any reason. This is basic or mixed insurance ("naked" - on prof. Sleng Insurers).

If the insured lives safely to the end of the period marked in the contract, he receives 100% of the investment invested in the investment income - the risk of "Logging" works. The same happens if he leaves life before the contract is over, only the money receives the beneficiary assigned to them (or several beneficiaries) is the risk of "the death of the insured for any reason."

The insurance component carries out financial protection of the family (relatives) of the insured from his sudden leaving. It, when connecting additional options, ensures protection of the insured from temporary disability.

Example of calculating the life insurance program

Below you can familiarize yourself with the example of the calculation of the ISA (insurance product Capital from the company PPF Life Insurance LLC), taken from an open source (https://avdenin.ru/invest/investicionnoe-strakhovanie- -zhizni.html).

The client as part of this calculation was insured under the main program (mixed insurance) and for additional, where additional risks are taken into account (see below). Guaranteed payments are indicated on the first page, and the expected (with a successful circumstance and the resulting income resulting from investments with an expected yield of 13.7%) - you can see on the second page. There is a warranty and expected redemption amount.

This example will help us very much upon subsequent analysis of the theme.

How does it work with the risk component?

Where does insurance? - you ask. Yes, many companies in a purely investment risk investment policy, except for the basic, practically no. But nothing prevents you from buying in addition insurance protection against accident (NA). Usually companies insure in case of death and complete constant disability as a result of NA. The risk component is calculated and paid additionally, and subsequently not refundable.

Some nuances are sorry with a risky part:

• when connecting additional options, the contract works including as a program of classical risk insurance (a small insurance fee and a significant amount of insurance payments when an accident occurs);
• the term of insurance protection against NA is equal to the term of the Treaty of the Treaty;
• the beneficiary is appointed in case of the death of the insured person (not necessarily from the number of heirs under the law);
• the beneficiary at the occurrence of disability is the insured itself.

A number of major insurers ("SPA-LIFE", "Ingosstrakh Life", "PPF Insurance" and others) risk part enters the default program, no additional contributions are required.

Let's look at the above example: the policy includes insurance against accidents with insurance sums of 1,000,000 rubles for each risk (death from NA and disability as a result of NA).

In case of death from the NA, on 5, the actions of the contract the calculation will be as follows:

• 1,000,000 rubles - the nested amount (contribution);
• 1,000,000 rubles - limit of risk responsibility death from NA;
• 646,072 rubles - existing investment income (see the "Expected Investment Size" column opposite 5 years).

Payment of beneficiary: 1,000,000 + 1 000 000 + 646 072 \u003d 2 646,072 rubles. The contract terminates its action.

If the disaginament of a disability group is established as a result of NA (1 or 2 - depending on the conditions of insurance), it only receives an insurance amount at risk - 1,000,000 rubles. The money earned on investments is not paid to him, and the contract continues to act, up to its end, when a guaranteed + investment part will be paid at risk "Logging".

The inclusion of additional cities in the policy is equally well as for the insurer (the ability to additionally earn) and for the insured (all risks are taken into account in one product) and the beneficiary under the contract (an increased amount of death payments as a result of NA).

Investment strategies: Where to invest money?

Where do your money invest?

And now we will deal more in more detail in the intricacies of investments through insurance. Insurers offer a wide selection of financial instruments, calling them strategies. Attachments in the following assets (or stock indices) are most popular and effective:

• uS shares (SP500 index)
• shares of Russian companies (MICEX index);
• high technologies (NASDAQ 100);
• european consumption (STOXX 600 Personal & Household);
• gold (follow the cost of ounce).

The policyholder can choose a sector of the economy where his money will invest. He may be offered shares (or bonds) of companies of the oil and gas, financial, consumer sector, telecommunications, electric power industry or metallurgy. For example, investments in pharmaceuticals and the consumer sector of Europe and the United States are promising.

Usually, the default companies choose the best financial instruments on the risk-yield principle. The insurer at least client is interested in growing investment income.

It is appropriate to say about such a concept as a coefficient of participation. It shows which part of the profits the insurer shares with the client. It can 50 - 80% of the income obtained, and maybe 150%. Therefore, when concluding a contract, you must interest this parameter.

What is the coefficient of participation?

One of the most important parameters for which you need to pay attention is participation coefficient (Ku). The participation ratio shows what part of the profitability of the growth of the asset (shares, bonds, etc.), the client can receive the investment period.

The income of the client can be represented in the form of the following formula:

Income \u003d ku * asset growth;

KU is usually given as a percentage, and its value depends on the selected investment strategy. If ku \u003d 100%, then with an increase in the asset used in the framework of the investment strategy, the client will receive all 100% increment from growth. If ku \u003d 150%, then the client already receives 150% of the resulting yield from the growth of the asset.

The value of the participation coefficient in itself is little means - it should be considered coupled with the investment strategy (that is, with the basic assets in which the customer's funds were invested).

Usually, the higher KU, the lower the potential of the yield of the asset, and on the contrary, the value of ku is lower in assets with high yield potential. So in the company strive to align the expected profitability from investment strategies. Therefore, you should not "grab" for high ku - pay high attention to the asset as part of the strategy you choose. If he is promising (at least, showed a good profitability in the past), it makes sense to choose it even with a little ku.

KU is calculated at the time of connection to a certain strategy and, depending on the state of the market, at different times can take various meanings.

Trust but verify!

The client must clearly understand that investment yield is never guaranteed. If the stock or gold demand rises, you get a profit. If the assets are cheaper, your income is reduced or there is no one at all. To track investment, the client is offered to open a personal account on the insurer's website, where the client can track the financial indicators under the contract.

Initially, investing money in investment insurance, you are trusted by professional traders consisting of an insurance company. You will not have complete transparency in the use of strategies, and you will have to accept. However, the information you receive through the personal account allows you to track the effectiveness of investments by the final result for a certain period.

If it is lower than expected, the investment strategy can be changed (changing the fund). The possibility and frequency of its shift must be marked in the contract.

You can also fix the additional investment income (by increasing the size of the warranty fund by the value of the current amount of investment income), to obtain the payment of the income received or to make additional viscosity.

Specify whether it is possible to distribute the amount intended for attachments to several strategies. This will allow the portfolio to diversify.

What else to pay attention to the execution of the policy?

1. The test of the saint can be discovered for a period of 3 years (in some companies from 5 years) up to 10 years.

2. The fee is made by a single payment at the time of concluding a contract or by installments (if there is such an opportunity).

3. The lower threshold of entry into saint is usually at least 30 - 50 thousand rubles.

4. Age of the insured from 18 years to 80 years at the time of the conclusion of the insurance contract.

5. The contract begins to act since the first (or only) contribution.

6. If the insurer's conditions allow, then the insurance program can be tied to foreign currency, while payment of the contribution (insurance premium) and the insurance payment is determined at the rate of the Central Bank of the Russian Federation.

Underwater stones of early termination of the contract

Any contract can be terminated early. But! In the sorry it is worth investing only if you are sure that in the coming years they will not need you. This is associated with the losses that you incur in early termination. In insurance there is a concept - redemption amount. It applies to any investment or accumulative policy. Interrupting the contract in a year or two, you will get on your hands at best, 50% of what was invested. The closer to the end of the term there is a termination, the greater the amount you get.

As an application to the Agreement, a table must be present, reflecting the calculated expectations of investments and the amount of the redemption amount. According to her, the insured sees how much money he allegedly receives with early termination of the contract. An example of calculation when terminated on the fifth year, the actions of the ten-year agreement (see above):

• the amount made - 1,000,000 rubles;
• redemption - 690,000 rubles;
• income (expected) - 646,072 rubles.

Expected payment: 690 000 + 646 072 \u003d 1 336 072 rubles.

Ahead of time to terminate the contract is extremely unprofitable - Expect to invest in it until the last day of its validity period!

Where to buy policy saint?

Insurance companies operate in close cooperation with banks. The latter are extremely interested in promoting saint. Being agents of insurers, they receive remuneration that compensate for the fall in demand for some of their products. And then, the money received by prisoners with the help of the Bank of the Contracts, it remains in it.

Numerous reviews of those who have acquired insurance in the bank show that managers literally impose on the insid, without opening many parts and nuances of the product.

This applies to both the terms of the contract and the choice of the strategy for investment. As considerable money is invested in insurance, do not give in to persuasion and immediately enter into an agreement. Take a timeout, get acquainted closer with such a complex product on the site of insured companies - after all it is her, and not the bank you trust your money. And do not hesitate to ask questions if something is unclear to you.

Experts recommend entering into an agreement at the insurer's office, where the client can give a competent consultation and help choose the product you need. Banking staff often in their products do not understand, but, nevertheless, such complex structural products impose such complex, operating with template phrases in non-core industry.

What is important when concluding the contract?

Before signing the contract and invest a lot of money, it is necessary to study the section "Exceptions from Insurance Coating". All companies are not considered an insured event of death, which has occurred as a result of the cases listed in the Civil Code of the Russian Federation (military actions, folk unrest and the like).

Additionally, each company minimizes its risks, completing the list of exceptions to death that has come due to severe diseases that were insured at the time of the conclusion of the contract. In this case, if the insured comes from life until the end of the insurance, the beneficiary receives only the redemption and income from investment, if there is.

The insurer at the conclusion of the insurance contract is entitled to evaluate insurance risks and may request various information about it: information about dispensary accounting, past, or existing diagnoses, information about the profession and hobbies, etc. Including the passage of medical examination.

If it is established that the client reported unreliable or knowingly false information about himself, it can be fraught with invalid insurance contract - the insured may lose investment income or lose the insurance remuneration for add. risks. Therefore, it is better to report everything as it as is when concluding the contract, this will allow the consultant to take into account all the nuances.

Pros and cons of life investment insurance

FIR, as any financial and insurance product has its pros and cons. We will summarize some of the results and let's notify a number of curious information about such contracts, the discontinuity of their dignity and disadvantages.

pros

1. Capital protection. The treaty is guaranteed to return 100% of the sum insured, even if the investment strategy chosen by the client turned out to be unsuccessful (due to the decline in the asset market showed the negative results of profitability). This is an important plus, since such guarantees will not provide you with any broker.

2. Getting an investment income (although not guaranteed) + simultaneous insurance protection of the client's life (Insurance time is 24 hours, the territory of insurance is the whole world). In the case of surviving, the client receives its contribution along with profit, and in the case of premature death, beneficiaries also receive an amount equal to the contribution + received investment income. The ability to insure additional risks with a small surcharge (with respect to the fee) perform the role of risk insurance and make the product more protected and profitable.

3. The policyholder can assign one or more beneficiaries At its discretion, and it is not necessary to be family members. In the event of the death of the insured, there is no need to wait 6 months to get money as part of the inheritance. The insurance company is paid on the statement of the beneficiary (beneficiary). At the same time, the heirs according to the law (if they are not among the beneficiaries), they will not be able to claim this money, it does not dispute even in court.

4. Life insurance policies have a special legal status. - They are not property. Therefore, they cannot be sued, send to repay debts, divide between spouses during a divorce. All tools will be available only by the owner of the policy.

5. Tax benefit. By law, if the term of the contract is 5 years and more, then the insured is the tax deduction for the money invested in the insurance - 13% of the amount not exceeding 120,000 rubles. The maximum deduction amount is 15,600 rubles per year. In fact, the deduction is already at least a small, but guaranteed income.

6. Preferential taxation. If the investment income received does not exceed the refinancing rate (key rate) of the Central Bank at the end of the contract, it is not subject to income tax on individual income. If the income is higher, then the NDFL will have to pay. In the case of the care of the insured from life, insurance payments benefits are not subject to taxation of NDFLs.

7. Since the treaty is based on a long time, possible deterioration in your health in the following years, the action of the Polis will not affect the cost of the insurance premium. (There is a speech about additional risky programs). If you had each concluded a risky insurance contract, the state of health could affect its value or in some cases to cause refusal.

8. The client does not need to spend time on studying the Azov investment and familiarization with various insurance products. Specialists in the stock market and professional insurers will work with its capital. He can make an independent choice of an investment strategy, in the "river" of which his capital will work.

9. The ability to manage and monitor the program in the Personal Account of the Insured (It is very desirable to choose an insurer with such possibilities). The client can remotely perform the following operations: Change the Fund (change the selected strategy), fixation of additional investment income, the payment of additional investment income, making an additional contribution, etc.

Minuses

1. Insecurity of capital in the event of a bankruptcy of the insurer - capital in the Pole is not insured by the Deposit Insurance Agency (DC). If the insurer's company responds the license, the payment obligations go to the insurance company-reinsurer, where the treaties were reinsured. In the absence of reinsurance, the bankrupt insurer must terminate the contracts and pay contributions received by them. Otherwise, customers will receive them only in the creditors' queue established by the court.

2. Non-beneficial early termination of the contract (loss of cash);

3. Inability to use investment insurance of life as an effective way to accumulate capital. Lack of guaranteed profitability - Perhaps the main minus of the product. Risks for the selected strategy The insurer shifts on the client. However, it is worth noting that some companies guarantee prescribed a small guaranteed income in the poles.

4. Ability to run into exceptions in the Agreementbecause of which it can be invalid.

5. Connecting to the Agreement of Additional Risk Insurance Programs Agreement may increase the cost of the contract.

6. Funds invested in the insurance program will be eaten from year to year inflationthat can overlap only the benefit from Invest. DOOG. And if it is not, then, alas.

Who benefits the ISF program?

Due to the lack of guarantees of receipt of income, the life insurance program loses a classic bank deposit, where your income will be known during the execution of the contribution agreement. To have more, you need to get knowledge and experience, and then "climb" in the investment (for example, getting through the broker to exchange and buy stocks, bonds or other products yourself).

In the sore, you have the opportunity without knowledge to plunge into the world of investment, although you will still ask you to choose a strategy of investment, that is, strain the gray substance will have a little. And at the same time you do not risk your money, and in this policy is unique in this. You either get a lot or stay at your own.

Basic insurance protection for this product, to put it mildly, nothing: what is the meaning of insurance, if the insured amount is equal to your contribution, when can I insure your life much cheaper? The accumulative insurance in this regard gives much more profitable when a person makes part of the contract every year, and his relatives will receive a full amount, even if it is premature to go away in the first year of the contract.

But here's additional risk insurance programs within the framework of the sample, it is sufficiently beneficial due to large insurance payments as a result of the risks of death or disabilities as a result of an accident.

As customer reviews show, investment income according to real agreements in rare cases exceeds 10%, and mainly loses the average rate on deposits. Although real reports of representatives of the insurance business show another alignment.

Therefore, in most cases, it is advisable to put your money on a deposit (no more than 1.4 million rubles in one bank) and insure yourself of risks in one of the numerous insurance companies. In addition, you can use part of your funds for investment in risky assets and try happiness yourself, at least, you can withdraw your money at any time without any restrictions, and you will not have to share the income to share with the insurance company (there, By the way, people do not work for free).

But if you want to take advantage of the special status of policy fields, and, for example, to legally protect your money from confiscation, arrest or section when divorced, then this is your option.

In general, the saint can be interesting to those who have free money, and to whom it is important that they work, but there is no experience of independent investment analysis. Exchange is that the tool that makes the attachments of riskless (the client risks not receive income), because the money made in the worst case will completely return their owner, and in the best - will bring quite tangible profits.

The fact that effective economic development is the result of active investment activities, fairly not only for countries and states with a developed market system, but also for individual enterprises and individuals. The main purpose of investments is to receive profits from entrepreneurial activities as a result of the placement of free assets in one or another. The size of the income is largely dependent on the choice of activity, which the investor may eventually obtain. But also this choice determines the risk of loss of attached tools, which will increase with the increase in the size of the expected income.

Find a golden middle, calculate the highest possible profits in conditions of minimized risks - it means to ensure that the entire investment period is guaranteed by a stable income. Many clients who are trying to find this middle are striving for this middle, pose a suitable investment object. The fact that demand gives rise to a proposal has long been known, therefore, in the conditions of economic development in the Russian Federation, various programs, projects or products that meet the necessary requirements and capable of becoming an effective tool to achieve such a goal are being developed.

New direction in investment programs

For the Russian market of services, the idea of \u200b\u200bcomprising high-yielding opportunities on deposits in combination with insurance protection is new, despite the successful long-term practice abroad. The first investment insurance programs developed for the Russian market began to appear on it since 2010. And almost immediately won a certain stake in the field of insurance services. The need for product development provoked a vacuum in the proposal of programs to invest individuals. Since independent activities on the stock exchange requires certain knowledge and skills that do not boast every individual, as well as considerable time, then this market segment remained empty for a long time.

Investment life insurance is a new product that takes into account the lack of time and skills in stock trading from ordinary citizens, but allowing them to master the basics and get a potentially high profitability of deposits in the conditions of market growth, and also eliminate the possibility of loss in the case of its failure. The product allows you to make independent solutions in choosing an investment object by offering a choice of several and additionally providing insurance protection for all the time of investment.

The role of banks in life investment insurance

The product that appeared on the Russian market since 2010, the product began to actively conquer the banking sector. According to the data for 2016, there is a significant increase in the collection of funds received from contracts for the protection of life, but not in the field of lending as a result of the mandatory condition of the loan agreement, but as a result of the product supply, the purpose of which is the insurance of life with the payment of additional investment income.

The product sample began to be offered by banks as a replacement of familiar deposit deposits, as it allows to get a higher income to the depositor with a successful choice of fund or strategy. Under the product agreement, there are several strategies for consideration by the policyholder. It is entitled to independently track the market dynamics to make a decision on choosing an object of investing or to trust experienced professionals and provide them to make such a choice.

Forecasts analysts

The fact that the investment insurance of life today increases the number of contributions today, is explained by the fact that in 2015, according to the results of previously concluded contracts, the highest income was obtained. RAEX analysts were predicted such growth rates and forecasts. They will continue until 2018. But some experts argue that the growth of volumes in this area will not be slowed down, but will continue in the following periods. Offering Investment Life Insurance, the Bank seeks to show constant depositors the possibility of obtaining higher profits from investment activity than income on dividend deposits. At the same time, he explains the favorable obligation to preserve the initial contribution, which cannot guarantee independent activities in the conditions of stock trading.

What includes the product sorry

Investment insurance of life, or abbreviated inspection, is a product that originates from the accumulative insurance, but further includes a financial instrument that allows additional income at the end of the term. Therefore, it includes payment of a fee for mandatory insurance risks, which can be both one-time and division on equal payments throughout the term of insurance and the subsequent division of the invested amount for warranty and risky funds.

This is done in order to be able to return to the investigator invested at the expense of a guaranteed fund, which is invested in reliable government bonds. Small revenues on bonds in the amount with the Foundation itself by the end of the insurance period and will be equal to the original contribution. A risky fund is part of the contribution that is actively invested in high-yielding and high-risk shares or deposits. Investment insurance life, investment income, which it allows you to obtain, can significantly exceed the initial amount of attachments with a successful choice of objects for investment.

Insurance share of product saint:

• creates the necessary insurance protection of the life of the depositor;
• guarantees the execution of the contract in favor of beneficiaries upon the occurrence of insured events;
• provides tax breaks.

By issuing the contract, the depositor can be confident in obtaining 100% of the amount nested by them subject to the terms and conditions that provide for investment insurance of life. The yield is not guaranteed from risk activity. At the time of completion of the product contract, it can be both zero and have very high indicators.

Conditions for concluding a contract for the program

Legal and individuals from 18 years old may take part in the program of the FIA, with only an individual who aged 18 to 70 years can be insured. To conclude an Agreement, the Insured it is necessary to determine the insurance period, possible additional risks, the number of beneficiaries in case an insurance event occurs, as well as choose the amount of the amount for investments and funds or strategy for operations with risky assets.

The contract must contain deadlines, the amount of the contribution and frequency of payment, the main insurance risks and the obligations of the insurance company on them, as well as the details of the parties for financial transfers. After all individual features and important points under the contract are prescribed, it is signed by the stakeholders and is assigned to the seals. The contract is drawn up in three copies, but the Investor Customer is issued a policy of investment insurance, which will be the basis for the payment in case of an insurance event.

Distinctive advantages of the insight from the usual investment in stock trade

The fact that the new investment product has an advantage over mutual funds is fair on guarantees to preserve the investment amount. Insurance policy, allowing to be guaranteed to return the initial amount and at the same time, it is possible to earn an additional income on high-risk operations (optionally, they can be made independently or provide the right to this activity professionals), very convenient for beginners who are unfavorable with the Aza investment, but ready to develop His skills and knowledge in this direction.

The ISP treaty allows in practice to study a rather complex investment tool and not to lose the invested amounts. The product makes it possible to change the selected objects for attachments throughout the entire time of the contract. In addition to this, investment life insurance includes tax breaks:

• They apply to all insurance payments.
• Revenues from investment activities are taxed only on amounts exceeding the refinancing rate at the time of receipt of the payment on an investment contract.
• It is provided for a tax deduction that allows you to return part of the funds from income taxes (13%) exceeding the refinancing rate.

The insurance contract has protection against judicial claims, which may be presented to the Insured during the Agreement. Protection is legal, but is due to the lack of any cost of the policy until the end of the fixed period of the contract. This means that with any adverse circumstances, such as the imposition of penalties, the arrest of property or the marriage process, the funds submitted under the contract will not be confiscated. Securities purchased through the policy formally are not the property of the insurer or investor, and there should also be made any claims to them.

What is impossible under the terms of the contract

The program of the program is not envisaged by early termination with 100% payment of the amount of contributions. If for any reason it will be necessary to suspend the action under the contract before the established deadlines, then return the amount will not work. Maximum, for which you can count is a redeeming amount, the size of which is set in advance and largely depends on the time of the contract. Large dates under the contract often provide the highest possible refund. For example, the investment insurance of the life of Rosgosstrakh provides for payments from 75% to 90% of the contributions paid in the event of early termination.

What you need to pay attention to the conclusion of the Treaty

Investment insurance of life does not guarantee revenue from the risk activity of the active Fund. During the contract, the market can not only rise, but also fall, and the income will largely depend on the selected strategy. If during the contract of the contract at the insurance company will respond a license or an organization will be declared bankrupt, then the calculations with this company may be questionable. When concluding a contract, be sure to check the list of basic risks included in the Agreement, since not all cases are recognized as insurance.

Choose a company for registration of a product agreement

When choosing a company to conclude a long-term product, you must be confident in its stability. In the context of the Russian insurance services market, such companies can be attributed to:

• "Rosgosstrakh";
• "Renaissance life";
• "Alpha Insurance".

In addition to insurance companies, an investment insurance product can offer banks. This interest of financial institutions is explained by the financial party to the contract, which has investment insurance of life. Sberbank in this case acts as a leading stable bank offering this product. The Sberbank program provides for investment insurance with initial capital from 100,000 rubles and an investment period of 5 years. Under the conditions, the client can change the asset, make additional contributions, fix profits or remove additional income, without stopping investment life insurance. Sberbank Customer reviews get regularly. Have time to obtain the first profit under contracts concluded at the very beginning of the product appearance on the Russian market, note the convenience of the proposed service.

Interesting Insurance Program Proposals can be offered Russian Standard Bank, whose portfolio can find a proposal for children with minor contributions under the contract, allowing to significantly increase the initial amount of payments.

Investment insurance of life: reviews

The fact that the product on the market appeared relatively recently, explains the numerous statements characterizing it both with positive and negative side. A dual reputation product is obliged to break the society for which he was developed. An unfounded area of \u200b\u200bactivity for an ordinary person associated with stock markets and exchange trafficking, which is present in the investment part of the insurance contract, causes distrust and concerns from the population.

It should be noted that individual individuals who have time to conclude contracts at the very beginning of the product appearance in the Russian market and have so far have time to obtain significant income, respond about the product as an indispensable tool. Together with them you can hear a lot of displeased statements. Basically, they come from those who for some reason the investment product was proposed as a complete alternative to the deposit, but with a higher return. At the same time, it was not explained that the selected strategy was largely influenced by such high yields, besides, the insurance part of the contract was silent, which, in addition to protection, provides significant tax breaks. Despite the incidents caused by the novelty program, and taking into account its further understanding in the masses, we hope that about such a product, like investment life insurance, feedback will be more positive in the future.

We are talking about the case when the Insurance Company concluded a life insurance contract with an individual within which the insured person, in addition to the right to receive insurance payments upon the occurrence of an insured event, acquired the right to receive an investment income generated by the Investment by the Insurer of the amount made by the Fishe As an insurance premium, in basic assets. According to the insurance rules, additional investment income is paid upon the occurrence of an insured event in the composition of the insurance payment, and in the case of early termination of the insurance contract - as part of the redemption amount (paragraph 6-7 of Article 10 of the Law of the Russian Federation of November 27, 1992 No. 4015-I " ").

The Tax Code of the Russian Federation recognizes the income of economic benefits in cash or in common form, taken into account in the case of its assessment and to the extent that such benefits can be assessed, and determined for individuals in accordance with Chapter 23 "" "NK RF ().

According to insurance payments upon the occurrence of the insured event, including periodic insurance payments (rent, annuities) and (or) payments related to the participation of the insured in the investment income of the insurer, as well as the redemptions received from the Russian organization, refer to income from sources in RF for Ndfl calculus purposes.

Are NDFL sums of insurance premiums paid under the voluntary life insurance contract or employee health agreement in the absence of payments to insured individuals? With the legal positions of ships on this issue, see the section "Tax Code of the Russian Federation" "Encyclopedia of Judicial Practice" Internet versions of the guarantor system.
Get for 3 days for free!

At the same time it provides that in determining the tax base for personal income tax, income received by the taxpayer under voluntary life insurance agreements associated with the progress of the insured person to a certain age or time or in case of an occurrence of another event. Such payments are not subject to NDFL under the following conditions:

• insurance contributions under the voluntary insurance contract are paid by the taxpayer or members of his family, or close relatives in accordance with (spouses, parents and children, incl. adoptive parents and adopted, grandfather, grandmother and grandchildren, full and unpaid brothers and sisters);
• the amounts of insurance payments do not exceed the amounts of insurance premiums made by the taxpayer, increased by the amount calculated by the consistent summation of the amount of insurance premiums made from the date of the conclusion of the insurance contract for the end of each year of the action of such a contract (inclusive), and operating at the relevant Year of the average annual bank of Russia .

Financiers emphasize that, since the exemption from taxation of other payments, in particular, the amounts of additional investment income under the Voluntary Life Insurance Treaty, the Tax Code of the Russian Federation is not provided, then these amounts are subject to taxation in the general order.

Greetings! In one of your recent posts, I wrote about how much. If you are categorically against risk insurance - I advise you to look at the accumulative insurance of life.

NWS products combine and full insurance protection, and accumulation function, and even. For 2015 in Russia, the average accrued income according to such programs was 10-14% in rubles and 3-6% in currency.

Cumulative life insurance is designed for long dates: up to 20-30 years. Insurance policies allow or to the majority of children. Along the way, you are insure yourself and your loved ones in case of force majeure (at least, from death from an accident).

The most important thing is to determine the insurance company. So, the accumulative life insurance rating of companies and their products.

How to choose a reliable SC? The easiest way to use the finished rating. I trust the rating agency "Expert RA" (RAEX). Ratings from Expert RA - compulsory requirement for banks, insurers, issuers and.

According to Expert RA, the maximum (a ++) with a stable outlook in 2016 in total, nine insurance companies. Below I will briefly tell about the most interesting programs of these insurers. By the way, the rating of A ++ has no life from Rosgosstrakh, nor "VTB insurance".

"PPF Life Insurance" offers six cumulative life insurance programs at once. Consider those that can be used for long-term savings.

• Product "Comfort"

Insures almost all risks associated with life and health. For example: from death as a result of an accident on public transport, from bodily injuries and from deadly diseases (cancer, heart attack, stroke). Insurance protection is valid in all countries of the world.

You can also insure for a period of from 10 to 25 years in the amount of from 400 thousand to 1 million rubles. Insurance contributions can be made every six months or a quarter. The money in the account is indexed, and the part of them is invested in reliable assets.

• Product "Sunny"

Forms "children's" capital by a certain period. Advantages: Insurance Protection of an adult (from death, disability and deaths) and a child (from injuries) for the entire period plus additional income and indexation. The program is designed for a period of 5 to 24 years. For the insurance premium is provided for the grace period of 60 days.

• Product "Premium"

For a period of 5 to 30 years, it combines long-term accumulation, investment income and financial protection. A good option for the formation of "pension" capital or planned large purchases (apartment for children or a country house to itself).

• Product "Optim"

The validity period from 5 to 30 years is designed for young and energetic who do not want to insure "from everything in the world." And plan to direct the accumulation most of the money. Under the terms of the program, the client is insured only from death. But the package "Optim" is drawn up as quickly as possible and without health assessment. Additionally, you can connect insurance against disability, hospitalization and bodily damage. At the request of the client, insurance premiums are indexed.

Alliance Life

In the UK "Alliance Life" only two programs of accumulative life insurance: children's and adult.

The product "gift to a child" (for 5-30 years) ensures the insurance protection of the parent and forms accumulation for the child. Insurance contributions are indexed, additional income is possible. You can open the program not only in rubles, but also in US dollars (protection against currency risks).

The program "Lifestyle" - variation of the previous product, but already for an adult. Combines long-term financial protection for the whole family, creating savings and. In addition, the "lifestyle" guarantees a return of a bank loan if the client is a borrower.

SBE "Sberbank Life Insurance"

SBE "Sberbank Life Insurance" offers four cumulative products.

The program is designed for 10, 15 or 20 years. At the end of the term, the Metlaif pays the guaranteed insurance amount plus the investment in its presence. The main package includes survival, natural death or death as a result of an accident, complete or partial disability. The cost of "Prestige +" begins with 60 rubles a day.

Raiffeisen Life

For the goals of accumulation, the "Raiffeisen Optimum" program is suitable. Includes financial protection against accidents and the creation of long-term savings.

The term of insurance begins in five years. The client can choose the size and frequency of contributions, as well as the option. The insurance contract can be issued in Russian rubles, euros or US dollars. Program fare: from 2.2193% to 21.3255% of the sum insured.

IC "Ingosstrakh - Life"

In "Ingosstrakh-Life" - six NSG programs. The most interesting to me seemed two.

The product "Axiom" (from 5 to 35 years) is issued on a simplified procedure and with minimal health care restrictions and profession. Polis guarantees the payment of the sum insured when surviving plus investment income. Payment may be one-time or installment. In other words, at the time of retirement, the accumulation can be obtained by one amount or in the form of monthly accruals.

In terms of choosing a client, insurance can be issued in rubles, US dollars or euros.

Product "Capital" is life insurance. From the first day of the action of the Polis, the client's life is insured for the amount greater than the total amount of contributions for the entire term of the contract. The premiumment period of the client chooses itself (for example, "up to 75 years old" or "to a pension").

Insurance money is charged (in rubles, dollars or euro). Additionally, you can connect the "Accumulation +" program. At any time, the client can close the policy and get a redemption amount. In this regard, the "Capital" product resembles a "flexible" bank deposit with the possibility of replenishing and partial output of funds.

Why don't I like Nsent

Modern programs of the NCG offered by domestic companies seem completely useless to me. Well, think about yourself: you freeze your own money on a very long time. And at the end, in the worst case, get the amount of your savings, and in the best - a little percentage on it. Why small? Because by law, insurance companies do not have the right to invest in risky assets (for example, in stock) and should form a portfolio of highly reliable securities.

And the best of them have only a tiny chance to slightly overtake inflation. Add to this "legendary" reliability of Russian companies and you will understand why I am against such insurance. Why then in the West, in the image of which our companies are trying to create their products, are so popular?

If you have ever been interested in life abroad, you know that there are very high taxes in developed countries. And investments under the guise of insurance (namely, there are insurance programs like NWS) by law, it is not taxed and, in the same GeneralI, Hansard or Investor Trust, you can freely form an investment portfolio. Moreover, from such tools that are often not accessible through a regular broker.

Yes, the cost of service in SC is noticeably more expensive than just working with a broker, but many are ready to voluntarily go to it only for them to make them regularly postpone money pay for insurance. That's the whole secret!

In Russian reality, I prefer risk insurance and independent management. And what policy of cumulative life insurance is decorated with you? Subscribe to updates and share links to Fresh posts with friends on social networks!