E 'can get loans and / or advances?
The Contractor, if the contract is current with the payment of awards and has gained the right to redeem (paid at least three year), may ask:
- get a loan to the conditions set by the Company in the act of granting for an amount not greater than 75% of surrender value. The loan requires the payment of annual interest of which the first installment is deducted at the time of grant. The customer has the option to pay interest that will accrue annually, or let themselves go and add up the amount paid. The repayment of the loan and interest accrued but not yet paid will be made in only solution and may occur at any time before the expiry of the contract, or both of the amounts due shall be deducted when the bill becomes liquidated for any reason. The Company reserves the right in any case to accept the request for loan
- to obtain interest-free advances to the amount guaranteed on death where the insurer has had to undergo surgery to a high. This anticipation can easily exceed the surrender value, but not the reduced value of the insured benefits in the event of premature death and will in no case exceed the amount of expenses actually incurred in operating the Act. What is a product
Unit Linked?
unit-linked products are contracts whose performance is attached (linked) to share (unit) of funds are important characteristics are:
- direct dependence of performance on the value of an investment fund inside of which were purchased some shares whose value is reported by major newspapers cheapest
- the financial risk is borne by the customer, not being provided any guarantee of performance;
- an investment in the medium to long term.
What is a index-linked policies?
E 'a contract whose performance is attached (linked) to the value of one or more benchmarks, consisting of from financial instruments or indices (Index): for example the S & P / MIB index, the Nikkei index, the index of consumer prices ...
index-linked policies offer the investor the opportunity to seize the opportunities offered by the performance of financial markets with a low risk profile.
What is a mixed bill?
The mixed bill is a contract that is based on two distinct and important benefits:
- investment, with the liquidation of the capital sum at maturity;
- hedge the risk of death, with the liquidation of the sum insured in the event of premature death Insured.
regard to coverage in case of premature death, the occurrence of the death of the Insured, the Company will liquidate the insured sum to the designated beneficiaries.
They can also be specified in the contract guarantees:
- the case of death from accidents, premature death if the insured is due to accidental causes, will double the capital to be paid to the beneficiaries;
- the case of death resulting in injury resulting from road traffic, tripled the insured sum will be paid to designated beneficiaries.
In essence, the life insurance in the form of "mixed" is a good form of saving and simultaneously meets the needs of protection. What
a "PIP"?
The PIP, Individual Pension Plan is a pension product aimed at constructing an annuity additional to that provided by the compulsory pension system. The PIP has these characteristics:
- Member of the fuels the PIP paid its contribution and / or flows of TFR in ripening;
- the services are activated in conjunction with the right to receive a pension under the rules of the compulsory
;
- the member is entitled to request the disbursement of the pension in the form of capital
limited to 50% of the matured.
0 comments:
Post a Comment