According to personal data of clients

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Cumulative life insurance As the name suggests, it is a hybrid: Classic insurance. A tool with a piggy bank function. The client pays the full cost of the insurance in separate payments over a period of time. It is similar to a piggy bank. But in a piggy bank, the money "does not work".

It gradually depreciates. And the policy of the accumulative job seekers data life insurance implies that the company invests the client's money. It invests in conservative financial instruments: Deposits of the largest banks. Government bonds. If the insurance event does not occur, then upon expiration of the contract the person has received the insurance premiums paid plus investment income.


But you should not expect serious profit. Usually clients receive 2-4% per annum. The reason is that low-risk instruments are the least profitable. But their level of reliability and stability is high. Therefore, if the main goal is to increase capital several times, then life insurance is not very suitable for this. It is worth buying a policy if you want to get “two in one”: Investment income. Protection from possible damage.

The accumulative life insurance has its advantages. When concluding an agreement with the insurance company, the insured indicates how much he plans to save. If something happens to him, the company will pay him or the beneficiaries the entire insurance amount in full - even if it is more than ++ of the contributions made.