One of the areas of work with its clients at Sberbank is the insurance program. On the basis of such services, a specially created structure of the bank, Sberbank-Life Insurance LLC, operates. The offered insurance product differs from other insurance programs by the possibility of accumulation. The client can use one of five programs of endowment insurance, and subsequently receive impressive dividends.
What does the accumulative life insurance Sberbank include, what are the differences and nuances of the existing areas of this program? Such questions are of interest to all customers who decide to take advantage of great deals. It is worth remembering that although all the developed programs differ in purpose and features, they are all aimed at protecting against risks.
The endowment insurance program allows the client not only to insure himself, but also to receive decent dividends
What is endowment insurance: the essence of the program
In Russian families with children, sooner or later the question of their education arises. Modern education requires impressive investments, it is to help parents that the developed programs of endowment insurance are directed. Their main goal is the accumulation of citizens' invested funds for their payment at the end of the period of validity of the concluded agreement. Experts attribute the following nuances to the main advantages of the proposal:
- Safely preserve capital.
- Significantly reduce the risks of losing finances due to tax payments.
- By the time the children come of age, accumulate a certain amount for targeted use.
The funds accumulated at the end of the contract can be used not only to educate children, but also to present a gorgeous wedding gift. For example, buy a car, an apartment, or send the newlyweds on a honeymoon trip.
The accumulative insurance program is valid only for Sberbank clients who are served in the Sberbank First and Sberbank Premier directions.
How programs work
Sberbank accumulative life insurance has only positive customer reviews. After all, each participant of the program can choose the optimal direction of insurance that meets his needs. Moreover, not only to be able to accumulate the required amount within the framework of the program, but also to protect their savings from inflation.
Comparison of endowment and investment life insurance programs Under the current insurance conditions, the client has the opportunity to independently choose:
- the amount of the deposit;
- regularity of payments;
- the amount of subsequent contributions.
The policy will contain the conditions for insurance risks and the amount of compensation in case of their occurrence. The insurance begins to operate immediately after the first payment. It is worth knowing that under the terms of insurance, the insurer company has the right to use the deposit for investment in order to receive dividends.
Capabilities of the endowment insurance program
According to the established legislation, savings deposit programs have a number of benefits. In particular:
- reduction of the accrued personal income tax;
- no income tax upon receipt of insurance payment;
- are preserved in full during the divorce proceedings (not subject to separation);
- in the event of the death of the policyholder, the payment is transferred not to the heirs, but to the established beneficiary.
Types of programs
Clients can choose a different period of the program: from 5 to 15 years. The minimum amount of a one-time payment is from 1,000 rubles. IC Sberbank offers for consideration five active programs of endowment insurance, which differ in their principles of operation and targeted savings.
"Family asset"
The material well-being of the family can suddenly deteriorate due to the appearance of various force majeure situations. Sberbank insurance "Family Asset" provides a reliable cushion by compensating for damage and returning the basic accumulated funds increased by investment. Under the terms of the program, in addition to the payment of savings, each policyholder is guaranteed the protection established under the insurance rules:
- getting injured;
- the onset of disability;
- a number of benefits for the payment of personal income tax have been developed;
- diagnosis of serious diseases;
- death of the insured person due to any force majeure;
- tax exemption upon the occurrence of insurance risk;
- continuation of the depositor's life at the time of the expiration of the policy;
- upon receiving a disability group (I or II), the depositor is exempted from the need to replenish the deposit.
The Family Asset insurance program is the most popular among depositors "First Capital"
This program involves the execution of an insurance agreement with the subsequent purpose of paying the funded part of the child. Moreover, the insured parent at the stage of concluding the contract determines the exact goal where all investments should go. It also determines the amount of regular contributions (according to the terms of the program, it should not exceed 15% of the family budget).
Insurance coverage based on the First Capital program includes the following protection:
- death of a child;
- injury;
- death of parents;
- accident;
- getting a disability;
- identification of a serious illness;
- the child reaches the required age specified in the contract and receives funded contributions.
The First Capital program, based on the existing tax privileges, allows a return of 13%.
"Children's educational"
This direction of the insurance program is designed to be able to make the necessary savings, the purpose of which is to pay for the education of the child / children. The invested funds are accumulated for a predetermined insurance time. The payer (adult) regularly makes contributions and, in the event of an insured event, receives certain payments.
Comparison of insurance offers from Sberbank with offers from other banks According to experts, the following points can be attributed to the clear advantages of such a program:
- Guaranteed payments at the end of the insurance.
- The deposit replenishment schedule is determined by the payer.
- Any person can be identified for the role of the beneficiary.
- The ability to pay for tuition at any educational institution in the country.
- At his request, savings can be issued on an annuity basis (in parts) in accordance with invoices issued by the university.
- When a disability is awarded, the contributor is released from the obligation to make contributions (the insurance company does this for him).
The program itself has the following conditions for determining insured events:
- obtaining a disability group;
- surviving until the end of the insurance period;
- death of the payer for any reason (the entire amount is issued to the specified beneficiary or the depositor's child).
At the stage of discussing the terms of the insurance policy, the depositor independently sets the duration of the insurance, the amount of regular contributions and protection. An additional option is also connected to the insurance policy in the form of the “Children's service-concierge” option. With its help, the depositor receives all the information regarding the following points:
- the date of the next payment;
- the total amount of savings;
- selection of an educational institution suitable for the child;
- organization and planning of developmental classes, tutoring and other courses.
When connected to the policy of the "Children's Concierge" service, the depositor is given data taking into account the age of the child: kindergarten, school or preparation for studying at a university.
The essence of the endowment insurance program "Savings"
The program rules provide for the return of a double amount as a result of the occurrence of the risk... Otherwise, the policyholder (at the end of the contract) is paid 100% of the savings. The following nuances fall under the risk cases under the terms of the "Savings" policy:
- death as a result of an accident;
- the onset of disability regardless of the circumstances (after the expiration of the first year of insurance);
- getting into accidents (railway, air) and death of the depositor, the beneficiary is paid an amount of 1 million rubles.
It should be borne in mind that when selecting insurance conditions under the Savings program, there is a tax deduction (13% of the annual amount of payments made). The main condition for this program is the possibility of obtaining insurance payments, subject to the submission of a certain set of documents. But in any case, after the expiration of the policy, the insurer company guarantees the payment of savings (if the depositor has not previously applied for funds in the event of risk).
"Like a salary"
This program is based on the accumulation of funds from the regular contributions of the payer. Subsequently, the entire amount is divided into rent payments (in installments). Upon reaching the retirement age, the payer can count on a substantial increase in pension. At the stage of concluding a contract, the terms of insurance determine the amount of regular payments, as well as the amount of subsequent payments.
The insurance program "Like a Salary" has two types of subsequent payments:
- Lifetime. The payer makes contributions until the end of the contract period. Payments are made to him later until his death.
- Fixed. Rental payments after the expiration of the insurance are made to the client for a certain period of time.
The payer independently sets the time for making contributions (monthly, quarterly, annually)... Also, accumulative life insurance under the "Like a Salary" program also provides protection against the following risks:
- injury;
- serious illness;
- the onset of disability;
- death of the depositor before the end of the contract;
- upon retirement due to disability, the payer is exempted from mandatory regular payments.
In the event of a risk event, the payer is entitled to payment of damage (with the exception of accumulative amounts). If a certain option was checked by the client when making insurance, then in case of disability, the payer will begin to receive rental payments. This program also allows you to use tax benefits in the amount of 13% of the deposited amounts. The contract allows the appointment of any person as a beneficiary.
Features of the endowment insurance program Nuances of insurance contracts
Some clients of IC Sberbank note a rather long wait in receiving insurance payments and tax deductions due to the need to collect a package of documents. It also takes time to receive confirmation of the payment from the bank. Difficulties may arise and, if the client wishes, to terminate the insurance before its expiration (you have to go through many instances, there is a great chance and loss of part of the invested funds).
But all these nuances become insignificant against the background of the existing and indisputable advantages of the accumulative insurance program. After all, they provide not only good insurance, but also a number of privileges with the opportunity to receive excellent support in the form of savings for the entire period of the program.
Insurance cost
It is impossible to establish the exact amount of insurance savings. After all, each contract is calculated according to individual conditions and is largely determined by the wishes of the client. There is also no online calculator for these programs. The exact amount can be calculated only when the contract is drawn up and all its nuances are discussed with the manager.
conclusions
Accumulative insurance programs are a great way not only to insure the life and health of a client, but also to receive substantial payments to the latter at the end of the contract. It is worth remembering that the period of validity of the policy starts from 5 years. During this period, the depositor's financial situation may change. But Sberbank also provides for such a moment, offering the design of a deferred payment, which can be up to 3 months.
In contact with
Good day!
Today I want to talk to you, my dears, about money. Yes, yes, just like that suddenly!
Immediately I ask you not to find fault with this product and not to be confused with the insurance that you are obliged to pay when issuing a loan. By the way, you can refuse it by writing a statement within 14 years at the bank where you took the loan, and the money will be returned to you. Just make sure that your application is registered and ask for a copy.
Get to the point! Of course, we all think, live and hope that nothing bad can happen to us. It is for us such that this product "Life insurance with full refund of premiums at the end of the program" was invented. Thus, if an insured event does not occur, you simply take your money. Now many will probably say: “Why am I going to give my money away and watch inflation“ eat ”it ?! I can invest it in something more worthwhile!"
But! The minimum deduction amount for the insurance program is 2,000 rubles per month. Look at the plate in the photo. Dear ones, where are you going to "invest" 2,000 rubles a month! ??))) Promotions? Bonds? Gold? Even a gram of gold is more expensive! Plus, don't forget to pay the bank's commission for the operation. And tell me honestly, to yourself, do you know how to save ?! So, to put it aside, even under the mattress, and not touch anything from the accumulated?
I honestly answered my question and therefore this product from Sberbank suits me perfectly. For myself, I consider "Savings Insurance" as a good investment at 13% per annum. Tell me, what investment activity will bring you 13% income per year, now, in a crisis ?! The fact is that you can receive a tax deduction annually from your savings. "Savings insurance" refers to Art. 219 of the Tax Code of the Russian Federation "Social tax deduction".
Also, I would like to include 5% of the "Thank you from Sberbank" BONUS to the advantages of this product. Now everyone, Sberbank cardholders who have the Thanks from Sberbank program activated, can receive 0.5 of the cost of purchases with the card. With Savings Insurance 5%) Feel the difference 10 times ?? By the way, about the points "Thank you from Sberbank", they can be spent on the site [link]
One of the downsides is the likelihood of not getting full coverage. But you have exactly the same chances even if you are insured in the same Resso or Rosgosstrakh.
Let me tell you about the payments: each client of the Sberbank Savings Insurance program is insured for 1,000,000 rubles. + 240,000 (your savings, if you make contributions of 2,000 over 5 years) = 1,240,000 rubles. This is the amount you can count on in the event of an accident (God forbid, of course !!!).
On the basis of scheduling, determining the amount of contributions and obtaining the final cost of the product, you can correctly choose a program and provide warranty protection for the family from material instability caused by the occurrence of an insured event.
Important! Many Sberbank clients seek to get an insurance policy to accumulate funds for large purchases and education of children, foreseen in 5 - 25 years!
Main directions
- Endowment insurance. A unique financial instrument designed to receive a sum of money in 5 or more years. It acts as a "safety cushion" for the entire portfolio and the welfare of the family in an unforeseen situation. Portfolio share: 5-15% of the annual income of the breadwinner.
- Voluntary purchase of an insurance package when applying for a mortgage or consumer loan. Debt repayment in unforeseen situations (death or incapacitation) - the bank covers the remaining amount to be paid.
"SmartPolis" - insurance investments
Investment in guarantee and risk funds provides a choice:
- global bond funds;
- raw baskets;
- immovable objects;
- precious metals;
- shares of the American market and Sberbank pr.
Payment for the policy is carried out in the form of small monthly installments. The convenience of the program lies in 100% capital protection. The period of deposits varies from 5 years.
Additional options
- Change of investment object.
- Fixing income by increasing the guarantees of the current BIT (it is enough to fill out an application and the company will ensure the control of the BIT, its fixation when the specified level is reached).
- Early receipt of payments of additional profit from investments.
Service benefits
- Family protection when the payer dies.
- Double premium in case of death related to an accident, no taxation of personal income tax payments.
- Tax exemptions. Personal income tax is paid from the difference between the actual rate of profit and calculated at the discount rate of the financial structure.
- Legal protection excluding the division of property in disputes.
- Return up to 13% of annual deposits, thanks to tax payments.
How to save money and insure your life?
NSJ - the possibility of accumulating large capitals, receiving interest income and insurance of legal capacity. NSJ is issued for a period of 5-25 years or more. During this period, regular contributions are made to the accumulated amounts. An insurance organization accredited by Sberbank divides the deposited amounts in two. The first part is used for insurance and coverage of the company's expenses. The second amount is invested in financial objects to generate profit, accrued once a year.
The profit is divided into 2 components:
- Fixed. It varies in the range of 2% ... 4%.
- Income from investments. Its volume is determined by the market situation (10%, and 15%, and 0%).
In the event of an accident, the client or his relatives are given a fixed amount, regardless of the number of payments made by the client. Upon death, the bonus is paid over 10 working days. Upon the expiration of the contract (with a successful outcome), the accumulated amount is provided for a one-time receipt or monthly payment in the form of a pension.
How much will it cost?
When calculating the cost, factors affecting the individual payment are taken into account:
- Gender, age and health status.
- Activity (exposure to risk at work).
- Conditions for concluding a deal (the number of risks is taken into account).
The information obtained affects the ratio of the insurance and funded part of contributions, the profitability of the policy. For example, the older the client, the greater the level of risk and less funds from deposits are directed to the total amount of income.
Attractive moments
NSJ - material support of the future without fail. Professional regulation of capital investment by service workers excludes the independent choice of mutual funds or shares, reducing the risk of bankruptcy.
Important! In the event of disability, clients are exempt from paying contributions with the obligatory receipt of the insurance compensation specified in the contract.
Negative sides
When concluding short-term deals, making a profit does not always meet expectations:
- The amount deposited by the client, increased by the discount rate (8.25%) for all reporting years, is less than the amount of proceeds - 13% is subject to personal income tax.
- Children's programs are funded by adults. Upon expiration of the transaction period, the payment is made in the name of the child. Profit is treated as income and is taxed at 13%.
Program selection
- “Family asset” - the accumulation of an amount by a given date, the payment of a bonus in the event of the loss of a breadwinner (client).
- "First Capital" - payment of targeted deposits for children. In case of unsuccessful situations with parents (death, injury), premiums are paid by the insurance company. At the end of the contract, the child receives investment income and the amount insured.
The frequency of depositing funds is selected by the client. The account is replenished once a month, quarterly, six months and a year. After the first amount is credited, the insurance coverage is valid in full.
How to protect relatives from insurance claims with a breadwinner?
The insurance policy "Head of the Family" preserves the financial well-being of relatives in an unforeseen situation, regarding the injury of the breadwinner.
When registering a service, a program is selected:
- one-time payment;
- insured amount.
Possible risks: death or disability I, II gr., Received in an accident.
Features of the program:
- Submission of an application for a passport, without additional documents.
- Choosing a comfortable level of insurance premium.
- Coverage is the whole world.
- 24/7 protection.
When considering a proposal, you can pay attention to the possibility of providing protection for loved ones. The program covers:
Child (2 - 24 years old).
Spouses (18 - 65 years old).
Parents (35 - 75 years old).
The main risks include:
Death by accident.
Disability due to injury.
Catastrophe - the organization pays extra 1 million rubles.
How to insure life with a mortgage?
Life insurance and the client's legal capacity when applying for a mortgage in Sberbank is mandatory. The conclusion of the contract is made on a voluntary basis, the chances of approval of the application without a policy are small, and the cost of the loan automatically increases by 2 ... 3%.
Benefits from an insurance package include the possibility of delaying deposits:
- With temporary incapacity (injuries, diseases).
- Disability (partial or complete incapacity);
- Death (the remaining amount is covered by the bank).
In the absence of requirements for compulsory life insurance, experts recommend voluntarily concluding a deal to persons who are the only breadwinners in the family. The service allows you to save your relatives from the consequences arising in force majeure situations.
Important! The beneficiary (beneficiary) under the agreement does not indicate the bank, but one of the heirs.
Service costing
Calculations payable will amount to 0.2-0.5% of the total debt. The annual extension of the deal with the bank's partners is accompanied by the payment of the next insurance premium in the specified amount. Refusal to renew the policy affects the increase in the rate under the loan agreement. Coverage of a large number of risks and loyal protection conditions provides an amount payable up to 1% of the total amount of credit funds.
With the onset of insured events, the reimbursement of money by the partner company allows you to satisfy a number of goals:
- Early deposit of funds in whole or in part, cash crediting on schedule.
- Compensation for treatment and drugs specified in the documents.
The obligatory conclusion of a mortgage insurance contract affects the reduction of the bank's requirements for additional risks insurance. The borrower is provided with the most favorable terms of the transaction.
Insurance is issued for the entire period of the loan repayment (up to 20-30 years). For the bank's partners, the length of the term is beneficial due to the minimal risk of non-payment of the loan upon the death of the client. According to statistics, its limit is 3%.
Do I need to insure life when applying for a car on credit?
A car loan is accompanied by the obligatory conclusion of a life and health insurance agreement of the borrower. The policy is purchased once and is valid throughout the entire loan period (when applying for a car on credit). Buying a policy on a voluntary basis is allowed when registering a car on credit on favorable terms (the bank encourages the execution of an agreement).
What are the conditions of life insurance for a consumer loan?
The laws of the Russian Federation do not regulate compulsory life insurance when applying for a consumer loan. Compulsory insurance is provided for a loan amount of 300 thousand rubles. The loan is issued at two interest rates - with an insurance policy, the interest is less than without it.
Example:
The proposed body of the loan is 508.5 thousand rubles (% is canceled on it), 447.8 thousand rubles (the actual amount on hand). The proposal looks like this:
Using a simple calculation as an example, real fees for 3 years will be 23.90%, and “risky” fees 33.70%.
It is important to know the additional features of the policy design:
- Payment of the cost of insurance for the entire crediting period.
- In case of early repayment of the loan body, the issuance of funds for insurance is excluded or is subject to reimbursement in smaller amounts.
- By withdrawing insurance after 30 days from the date of receipt of the borrowed funds, commissions and taxes are paid.
To avoid unexpected moments when obtaining an insurance policy, it is important to consult with a specialist before concluding a transaction.
Choosing an accredited organization
Clients are offered a list of insurance partner companies accredited by Sberbank of the Russian Federation. The choice of the company is based on the conclusion of the conclusion when familiarizing with the contracts and conditions of the insurers (estimates of tariffs, coverage and force majeure events). This gives confidence in their responsibility, decency and reliable protection of each client. The contract is drawn up between the insurance company and the client in favor of the bank.
Partner companies:
- AlfaStrakhovanie
- Ingosstrakh
- "Oranta"
- Rosgosstrakh
- Sogaz, etc.
Cancellation of services
According to legislative acts, the client has the right to terminate the insurance contract after receiving the loan:
- It is enough to contact the credit department and draw up an application for termination of the insurance contract and recalculation of the loan amount (if provided by the contract). The termination of the transaction will be made no earlier than after 6 months. after it has been drawn up (minimum insurance period).
- In case of early repayment of the loan, the return of the "unused" insurance premium by the bank is impossible - the question relates to the partner organization. The policyholder has the right to terminate the contract and receive the paid funds in the relevant part, if this is expressly provided for by the terms of the transaction.
What to do in case of an insured event?
The compliance of the event with the conditions of the policy is checked. If the action is included in the list of insured events, documentary registration is carried out. This will require medical reports and protocols related to the incident, an additional package of documents. The data are submitted to the branch of Sberbank OJSC. An employee of a financial institution supplements them with the necessary acts, transfers the insurance company.
Documentation list:
- Common cases: a statement and a survey sheet signed by relatives, representatives of a financial institution.
- Death: a copy of the death certificate, a certificate to identify the cause, an industrial injury act according to f. Н1, etc.
- Disability: a certificate of a medical and social examination on the establishment of I or II group of disability, an extract from an outpatient card, an act of industrial injury in the form of H1, etc.
The documents are notarized. If they are drawn up abroad, they should be legalized in accordance with the current legislation.
Need for life insurance
An attractive point is the protection of loved ones from repayment of the loan in the event of an insured event, the accumulation of capital for investing in large objects or paying for the education of children. The popularity of self-purchase of the policy has increased among the main breadwinners of the family, providing material support for loved ones in an emergency.
In developed countries, voluntary life and health insurance is a reliable form of investment. Within the Russian Federation, clients are offered credit insurance or travel abroad. For the bank, the insurance contract minimizes the risk of non-payment.
Video
* Attention! White paper may be outdated and incomplete. Actual information can be posted on the official website of Sberbank sberbank.ru
What is Endowment Life Insurance? In what cases is it advisable to issue it? What are the advantages and disadvantages compared to long-term deposits? Where to get such insurance? We will analyze these questions in detail in the article.
Endowment life insurance (HCI) is an opportunity to simultaneously accumulate a large amount, receive interest income and insure life and health.
With risk insurance, you make a payment once, and in the event of an insured event, you receive compensation. If the insured event does not occur, then the money remains with the insurance company.
With accumulative insurance, the contract is concluded for a long term (usually 5-25 years), during which you undertake to regularly make insurance payments. This method allows you to accumulate a large amount of money by a certain date: for retirement, the age of majority of children, etc.
The insurance company divides the premiums into two parts. The first is designed to insure and cover the costs of the insurer. The second part is invested by the insurer in financial instruments. From his investment activities, you receive income annually.
Income also has two parts. The first part is fixed. It fluctuates between 2% -4%. The second part is income from investment activities. It can be 10%, 15%, and 0% - it depends on the market situation.
In the event of an insured event, you (or your loved ones) will be paid the specified insured amount, regardless of how many payments you managed to make. In the event of the death of the insured, his relatives will receive compensation within 10 working days, without waiting six months, as provided for the registration of the inheritance.
If the insured event does not occur, then after the expiration of the term of the contract, you can take the accumulated amount immediately, or receive it monthly in the form of a pension.
How much is it?
The cost of the policy is calculated individually. The data of the insured is taken into account - gender, age, state of health, occupation (whether work is associated with risk or not). Insurance conditions are taken into account - whether you are insuring against all risks or only one.
The ratio of the insurance and funded parts of contributions and, accordingly, the profitability of the policy depends on these factors. For example, the younger the client is, the less risk the company is, and the more funds from contributions are directed to the funded part, for which the client receives income. Equally, the larger the sum insured with the same amount of premiums, the more the company risks, and the lower the profitability of the policy.
Pluses of the program
NSJ is a reliable way to create a "safety cushion". Usually it is difficult to put off "for a rainy day" - not everyone knows how to save. In this case, the accumulation process is mandatory.
Funds cannot be completely “burned out” (as happens when working with other financial instruments), and you are guaranteed to receive the due amount. Some companies even have programs in which the insurer is exempt from premiums if he receives a certain group of disabilities.
With a successful combination of circumstances, investment income will delight, and at the same time you will not have to puzzle yourself over which mutual funds or stocks to choose.
Cons of the program
In the short term, endowment insurance involves financial losses: you pay premiums regularly, and your income may be lower than expected. But once again, we note that there are other tools for obtaining high investment income.
If the amount of contributions for the entire period of the policy, increased by the refinancing rate (8.25%) for each year of the contract, turns out to be less than the amount that the policyholder will receive at the end of the policy, the difference is taxed with personal income tax of 13%.
In the case of children's programs, the insured person is the child, but the payments are paid by the adults. At the end of the contract, the child may receive a survival benefit, but this will be treated as income and, accordingly, a 13% tax will also be charged.
Insurance companies and banks programs
IC "Sberbank Insurance"
There are two NSJ programs - First Capital and Family Active.
"First Capital" is intended for parents who want to save up start-up capital for their children or to ensure their financial well-being in case of an emergency. The insurance period is 5-23 years. The age of the insured child is from 1 to 24 years old at the end of the contract. The age of the insured adult is from 18 to 80 years old at the end of the contract.
"Family Asset" are chosen by those who are the only breadwinner in the family or want to make savings for large purchases. The insurance period is 5-30 years. The age of the insured is from 18 to 80 years old at the end of the contract.
In the event that the insured is assigned a 1st or 2nd disability group, he is exempted from paying contributions. During the remaining term of the contract, the insurance company will pay them.
SC "Renaissance Life"
The Future program is available to clients between the ages of 18 and 55 (at the end of the contract - no more than 65 years). The insurance period is from 10 years. Suitable for short-term financial purposes "Investing in the future" with similar age requirements, but with an insurance period of 5 years. You can choose one of three investment strategies: Balanced, Aggressive and Aggressive Plus.
There is a children's program "Children" with a minimum insurance period of 5 years (but the minimum term of the contract is until the child turns 17). The age of the child is from six months to 24 years on the day the contract expires.
In the event of a disability assignment, the policyholder is exempt from paying premiums. The sum insured can be indexed to protect against inflation.
IC "Rosgosstrakh Life"
Family program with insurance period from 5 to 40 years. The age of the insured is 18-65 years old (70 years old at the date of termination of the contract). Compensation is paid in case of disability, injury, loss of the breadwinner. Upon receipt of the 1st disability group, the client is exempted from paying contributions.
The financial well-being of children will be ensured by the “Children” program with an insurance period from 5 to 21 years. The child must be between 1 and 23 years old. The policyholder is 18-70 years old.
The Savings program with an insurance period of 5-40 years will allow you to accumulate a large amount. The age of the policyholder is from 18 years old and not older than 70 years old on the date of expiry of the policy. The age of the insured is from 18 to 80 years old at the end of the term of the contract.
The policy with extended insurance coverage "Prestige 2" is intended for citizens from 18 to 70 years old. The insurance period is 7-40 years.
IC "Russian Standard Insurance"
The Risk Free program provides insurance coverage in the event of death or critical illness (stroke, myocardial infarction, cancer, etc.).
The offer can be used by persons from 18 to 55 years old. If at the time of execution of the contract the client had a serious illness or had suffered from it earlier, then the contract is considered invalid. By default, the insurance period is 10 years, unless otherwise specified in the contract.
There is also a program called "Piggy bank" with a guaranteed yield of 4.5% per annum, calculated for 10 years and designed to accumulate a large amount. The client determines the amount of the contribution himself, but the payment must be at least 20 thousand rubles (a six-month installment plan is possible).
Compare programs
The difficulty in choosing an insurance company is that the cost of the policy is calculated individually. It is impossible to immediately determine the profitability, since it is not known at what rate you will pay contributions.
Initially, it is worth focusing on the age requirements and the duration of the insurance. Then you personally contact each company to calculate the fees and clarify the conditions.
If you are financially savvy, then you can be guided by the strategy that the insurer adheres to in the process of investment activities.
Why NSJ and not a bank deposit?
It is incorrect to compare these products, since they have different tasks. The deposit is intended for short-term financial purposes. You have money, and you plan to spend it, but not today, but in five years.
It is reasonable to put temporarily surplus funds in a deposit to save them from inflation and at the same time get interest income. After the expiration of the term of the deposit, the agreement can be prolonged, but the rate may change not for the better for the depositor.
The terms of deposits today rarely exceed 5 years. For example, in Sberbank, long-term deposits are considered to be deposits with a maturity of up to 3 years. The "Save" deposit with a yield of 4.4% -7.76% is deprived of the options of replenishment and partial withdrawal. Deposit "Replenish" allows replenishment, but there is no partial withdrawal and the yield is already 4.6% -7.28%. Terms of the "Manage" deposit allow partial withdrawal of money and replenishment of the account, but the rate is reduced to 4% -6.68%. According to the results of last year, the profitability of housing insurance in most insurance companies averaged 7% -10%, so the difference is not large.
The refinancing rate today is 8.25%. The maximum interest rates on deposits are at about the same level. You can find a rate of 10% -11%, but it will be available only if you place a very large amount for a maximum period without the possibility of withdrawal and replenishment.
NSW is not always profitable in the short term, but it works in three directions - insurance coverage, accumulation of funds and their increase. Not being able to save a large amount of money, you nevertheless ensure the availability of a large amount for a rainy day.
By the way, some banks offer a complex product "deposit plus insurance" (insurance deposit). You open a deposit and conclude an endowment life insurance contract at the same time. Part of the money invested goes to the deposit, and part to the insurance account. The rate on insurance deposits is usually 1-3 pp. higher than other deposits. Raiffeisenbank (up to 9.5%) and Nomos-Bank (up to 12.85%) have similar offers.
However, the term of insurance deposits is usually no more than 1 year. You can prolong your deposit only on the terms of standard deposits. That is, for only one year you will receive an increased percentage of the deposit. In the future, income will be received only under the NSJ agreement.
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