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Learn more about life insurance
Personal life insurance: what you should know?
Life insurance or life insurance is one of the most widespread tools of personal financial protection in the world. According to the latest estimates, it is used by 20 to 95% of citizens in Europe, depending on the country. In Austria, where UNIQA "comes from", life insurance coverage exceeds 90% of the population.
Life insurance service in Ukraine is voluntary. You can buy an insurance policy not only for yourself or your family, but also to insure your employees under the corporate program. Each option has its advantages, but in our country 97 out of 100 hryvnias spent on life is individual life insurance, and only 3% is payment for insurance protection of personnel from employers.
What tasks does the accumulation policy solve?
The main task is the formation of personal capital, as well as "pillows" of financial security for various life situations. First of all, we are talking about retirement capital, but you can also save for any other purposes: for example, for children's education or starting your own business. The insurance company calculates investment income for the contributions made, and thanks to a long period of savings – 10, 15 or even 30-40 years – it is multiplied according to the compound interest rule.
What other opportunities does life insurance provide?
An accumulation policy is usually combined with a risk life insurance policy. It provides payments in case of adverse life circumstances - for example, in case of disability due to illness or accident. In the most difficult situations, when a person dies prematurely, payments are received by his relatives - the beneficiaries specified in the contract. Therefore, a life insurance policy is an important tool of financial security not only for the insured person, but also for his family, children and everyone who in one way or another depends on the person who uses the insurance.
Who should take out a life insurance policy?
To everyone who has financial obligations to the family - first of all, minor children or elderly parents. The policy will also be useful if you have a significant financial goal and want to achieve it with minimal risks. Accumulation insurance does not provide an extremely high investment income, but it guarantees the safest possible accumulation. After all, the state imposes strict requirements on insurance companies of Ukraine regarding their financial reliability and possible ways of saving client funds. The main thing is to choose an insurer that strictly adheres to these requirements.
What to pay attention to when concluding a contract?
There are many important factors, and figuring them out on your own is a very difficult task. In what currency will the savings be formed? What risks to life will be covered by the policy? For what period is it better to conclude a contract? And most importantly, which company should you trust with your money and plans for the future? These fundamental questions are just the beginning, so we advise you to seek answers to them with UNIQA experts. Leave a request on our website and we will definitely help!