Types of accumulative life insurance
Posted: Wed Feb 12, 2025 3:10 am
This is how investment life insurance (ILI) works. A person has free money. Now he needs it to "work" and not lie dead weight while inflation eats it up. Of course, there is NSLI, but its yield is low. But what if inflation in the country is high? After all, we use rubles for calculations. Let's imagine that during a crisis on the market the ruble will depreciate, but our purchasing power will fall. Then for the same amount of money it will be possible to buy a smaller quantity of goods.
Having thought about all this, a person decides to invest in an ILI. In this chinese singapore phone number list case, the insurance company sort of manages the assets received from you. It invests them in profitable financial instruments. Of course, the insurer, wanting to earn and increase the client's capital, is unlikely to invest in high-risk instruments. For example, shares of startups. Even when issuing an ILI policy, the insurance company tries to give preference to government bonds, precious metals, securities of the largest Russian companies, etc. And the insurer will tell the policyholder what investment strategy it has chosen.
With this type of insurance, the insurance company has a greater choice of financial instruments. The insurer has room to maneuver in the market. Therefore, the profitability is higher. True, it depends on the insurer's experience. You may not guess with the choice of investment products. But a person will always get the invested amount back. But no one guarantees a high profitability. Therefore, with equal success, you can earn +20/30% to the invested amount or get 0%. In addition, many insurance companies specify a minimum guaranteed income. It will also be paid under any circumstances. But again, you should not count on a significant amount.
Having thought about all this, a person decides to invest in an ILI. In this chinese singapore phone number list case, the insurance company sort of manages the assets received from you. It invests them in profitable financial instruments. Of course, the insurer, wanting to earn and increase the client's capital, is unlikely to invest in high-risk instruments. For example, shares of startups. Even when issuing an ILI policy, the insurance company tries to give preference to government bonds, precious metals, securities of the largest Russian companies, etc. And the insurer will tell the policyholder what investment strategy it has chosen.
With this type of insurance, the insurance company has a greater choice of financial instruments. The insurer has room to maneuver in the market. Therefore, the profitability is higher. True, it depends on the insurer's experience. You may not guess with the choice of investment products. But a person will always get the invested amount back. But no one guarantees a high profitability. Therefore, with equal success, you can earn +20/30% to the invested amount or get 0%. In addition, many insurance companies specify a minimum guaranteed income. It will also be paid under any circumstances. But again, you should not count on a significant amount.