Where better to insure your life and health?

Intense rhythm of life forces them to take measures to eliminate the consequences of accidents, accidents and other incidents. After all, they are detrimental to life and health. Even though many situations cannot be prevented, but to provide damages. Can I buy life insurance? This service is common today.

Many companies you can insure the life. A design policy will help to create a stable fiscal reserve, which at any moment will give an opportunity to improve health. It is advisable to contact a reliable company that offers favorable conditions for its customers.

The Value of insurance life and health

Insurance life and health it is necessary to:

• Warranty support a decent life in different situations;
• Provide chance to children to study in prestigious educational institutions;
• Confidence in the future.

Insurance is Issued for a longer period. Usually policies have a validity period of 3 to 5 years, with a maximum of – 20 years. The document is valid in clock mode, so help is always. Upon the occurrence of the insured event need to contact the company for compensation.

How to make insurance?

Companies offer different methods of insurance: for financial support in difficult situations, in the treatment or accumulation. To insure the life and health, you need to choose the right company, contact the office to sign the contract. Naturally, this requires investment. But when the insured event will be given a big help.

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An example may be a savings program from a major company «Ingosstrakh», prepare for life. The advantage of this policy is to transfer a sum of money in inheritance. It turns out that you can bequeath to his family a lot more than will have to pay the company. The money will be given after the occurrence of the insured event.

What is written in the policy?

The Document is issued according to the standard rules. It contains information on the parties that signed the deal. It stipulates the rights and obligations of participants and the conditions of cooperation. Must identify the risks for which it is reimbursed.

In the insurance contract marked the period during which there is compensation. Equally important are information on the amount granted for payments.

Features

If you life insurance, when the amount is received as a whole? The main risk is death within the stipulated period of the contract. You can pay for inclusion in the document of the paragraph, which assumes exemption from regular payments under disability group 1 or 2. Then you have to pay premiums and the amount still charged in full.

If you buy life insurance, then there is a possibility of compensation of expenses for the restoration of the health of yourself and loved ones. Also service allows to accumulate a certain amount, which will allow you to maintain a decent life. You just have to know what to do to make this service.

Types of insurance

To insure your life, you may be offered several options of services:

1. Risky which is not supposed accumulation within the appointed time. The company is required to pay is marked in the contract sum if the insured event had occurred. If it will not be the end of the term of service, and funds the client had not been given. The advantages of a risky option is low cost, allowing you to choose its applicants with a low income.
2. Savings insurance. this method is used For payments in the prescribed amount, even if there was an insured event. The contract is made for a specified period.
3. Cumulative. the Policy will be in effect indefinitely. Otherwise the service is similar to the previous option. But there are differences, for example, investment income – an increase to the sum insured. It involves the payment of funds, yield of which is 3-5%.

If you issued open-ended contract, it is called life. The compensation laid relatives who are beneficiaries. But there is a right of termination document to the set in the contract, then given the amount of assessed income. Such an order is at the request of the client.

Accidents

The Usual contract of this type is issued for a shorter period – at 1 year when compared with the above-mentioned cases involving financial protection for 5 years or more.

Life insurance accident the following options:

• Full – around the clock 7 days a week;
• Partial – at a certain time, for example, at the time of vacation.

Insurance is provided for a certain time, happens:

• Renewable – the contract can be signed again;
• Convertible – is the ability to change conditions;
• With decreasing coating – the program is designed for seniors who can't regularly pay the installments.

Types of compensation

If to insure the life of a child oradult, it will be based on compensation. Their size depends on the amount of damage:

• Payment in full – death or loss of capacity.
• 10-20% of the payments fixed in the contract, - in case of injury and temporary disability.

The Amount of sum insured is determined by the client. But we should remember that the higher the needs, the more you have to pay. The minimum contribution is determined in the amount of not less than$ 10 each month.

Some companies offer preferential conditions in the event of difficulties in the first phase – a delay that can last from several days up to 2 months. If you fail to make regular amounts, it is possible to stop the contract with further renewal while improving financial condition.

Cost

Where life insurance depends on several factors. The value of the investment is affected by:

• Age;
• Feeling;
• Work;
• Gender.

This separation is due to the fact that life expectancy in women more than in men. The more factors affect an insured event, the greater will be the amount that should be given to the firm. Offers Sberbank. To insure a better life after pricing services. On the websites of the firms have a calculator that will let you know the amount of the contributions online.

Introduction

The Money will be made depending on the conditions set by the organization at the signing of the policy. Payments can be collected:

• Monthly;
• Everyone;
• On a quarterly basis;
• Lump sum.

To know the cost of life insurance and health, you need to contact the company. To help calculate its can online calculator. But accurate information can be obtained from specialists. You need to make timely payments without violating the terms of the agreement, otherwise it may lead to failure in payments.

How to determine the insured?

It is Important to determine where to insure life and health. Should know about and relatives. But if after death it is not known whether such service is furnished, you should look for a policy. It indicates all the information.

If a document is not, then you need to learn about it in large insurance companies. There is another validation option – when you join the legacy verification by the notary, who will submit the request to the company and will provide the answer. Only if you have been issued a policy, you can address the issue of compensation.

Company Selection

Where it is possible to insure the life and health? Companies working in this direction, becoming more and more. They can see and hear various advertisements. To popular firms otnosyat:

1. «Ingosstrah».
2. «URALSIB».
3. «Rosgosstrakh».
4. «SOGAZ».
5. «RESO-Garantia».
6. «AlphaStrakhovanie».

Where better to insure the life and health depends on the wishes of the client. It is important that the firm was reliable, it depends on whether the payments. What the insurance company life insurance preferable? It is advisable to focus on the rating of the reliable firms.

The Loss of policy – what to do?

The loss of the policy need to contact the firm that issued the document. It is necessary to have a passport and a medical card. You should write a statement, which shall state the circumstances of the loss of the policy. Even if there is no card, it is not considered a cause of failure in obtaining a new document.

If a document corporate, it is necessary to know the number of your insurance in the territorial polyclinic. You can also contact the health insurance Fund. Getting involves the submission of an application describing the situation and the agreement number. Then lost the policy will be cancelled and then issued a new one.

Recovery Procedure

To get a new policy, it is necessary to pass following stages:

1. Choose an insurance firm.
2. Select the program, the terms of which are fully fit.
3. To calculate the value of the document.
4. Get the policy online or in company.
5. To Pay a fee.

A document will be protected against significant financial losses that may be in case of accidents.

What does the savings Bank?

In many programs of the savings Bank is subject to the mandatory insurance. For example, this applies to the mortgage and car loan. Just be sure you need to insure the property, and the insurance of life and health is a voluntary procedure. All employees are recommended to use it to protect yourself and others from risk.

What are the risks included in the policy when applying for insurance in the savings Bank? If the client will insure life, then it is enough to apply to any firm providing such services. But the policy can be issued at the time of filing the loan application. Then insurance will be furnished to the Department. The contract insures the life and health of the borrower, providing for the payment of debt in difficult situations. Risks include disability and death.

Disability suggests the occurrence of illness, accidents, injuries, difficult circumstances. Each customer can choose a program that is appropriate to its parameters. Policies “Sberbank Insurance” have the followingconditions:

• Life, disability – of 1.99% per year;
• Life, health, loss of jobs – 2,99;
• Individual conditions-2.5 percent.

The Person named in the contract, can be a banking organization or a citizen. If the policy issued by the Bank, the debt upon the occurrence of the insured event shall be paid at the established conditions.

The repayment of the debt insurance policy

The Insurance company pays the borrower's debt in full only when illness or an accident, if the person became disabled or died. Temporary disability for a specific period is not considered as a basis for full payment of the debt. Then entitled to payment of one or several payments. The insurer took the obligations of the borrower, must provide proof of the occurrence of the insured event.

When applying for a loan officer usually offers to arrange insurance. If there is no desire to purchase insurance, you do not need to be carried out on persuasion. It is a voluntary procedure, so the client must decide for himself. But you can buy a policy and then decline it and then the money back to your account.

Waiver of insurance required by law. If you contact the company within 30 days after signing the contract, you can expect to transfer the entire amount. If it's been more than a month, but not more than six months, then returned to half. After 6 months the amount will be small, and may be refused.

If the loan is paid, and the insurance is still valid, the client can receive contributions. He needs to apply, where to paint the details of the interaction with the banking organization and an insurance firm. The application shall be accompanied by proof of payment of the debt.

What is the policy?

The Document covers the period of the loan. But it can produce for 1 year. After the expiry of its validity will extend to a full reckoning. Contributions can be listed in 2 formats:

• Separate.
• To Include in the loan.

The Policy is cancelled if:

• The Client refuses it.
• An insured event Occurs.
• The Insurer may not conclude an agreement with a client who has a certain disease.

The insurance Program is beneficial for banks, as companies take the obligation of the borrowers. But sometimes, for example, when obtaining a mortgage, the client need life insurance. Loan optional insurance coverage. But for the mortgage, which is available for many years, this service will come in handy.

No credit insurance is the desire of the person. Some choose this service, protecting yourself and your family from various situations, while others believe that they can do without. Before taking out the policy, it is necessary to read the terms of cooperation with the company, and only then to make a deal.

To obtain insurance policy in any company. Before you do this, you should make sure of its reliability. It is only then that will be paid material compensation risk.