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Life insurance programs - long-term financial instrument, which allows you to accumulate and protect yourself, your loved ones and your capital from various risks associated with life and health.
They occupy their own special niche in the financial portfolio of the client, being responsible for his safety. This is a tool that the client can manage throughout the duration of the contract, adapting it to changing conditions.
Yes, the participation of the client in the income of the insurer is provided. Every year, after the final reporting is finalized, the company publishes data on the amount of income accrued on housing insurance contracts for the past year.
Depending on the content of your policy, part of the contribution is directed to the formation of the company's insurance reserve, which is designed to make payments according to the so-called. "risk" types of insurance. A part is the company's expenses for conducting the insurance business, and the third part is the formation of an insurance reserve for "survival". This is the cumulative component. The investment income under your policy is the sum of the income accrued on the value of the insurance reserve for "survival" (reserve for the funded part) and the previously accumulated investment income. At the same time, investment income is capitalized (i.e., income is also accrued on the income already accrued in the past).
The ability of insurance companies to place funds is limited to legislative level. The main condition for placement is the maximum safety of funds and the reliability of the tools used.
The main regulatory document regulating the placement procedure is Decree No. 3444-U “On the Procedure for Investing Insurance Reserve Funds and the List of Assets Allowed for Investment”.
Regulatory documents regulating life insurance companies for more than fifty. The key is the Federal Law of the Russian Federation of November 27, 1992 N 4015-1 “On the organization of insurance business in the Russian Federation”.
It describes who is the regulator of the activities of insurance companies (the Central Bank of the Russian Federation), the provisions on reinsurance, as well as the procedure for revoking a license or bankruptcy of insurance companies.
In addition, the website of the Central Bank of the Russian Federation states the following:
Life insurance is a sphere of organized financial activities which is very strictly controlled by the state. The rights of clients are protected by:
The agreement provides for the possibility to amend your agreement. In accordance with the Insurance Rules, the client has the right, with the consent of the Insurer, to change the terms of the Contract regarding the amount of the sum insured, the term of insurance, the amount and procedure for paying the insurance premium (insurance premiums), as well as Additional programs. The agreement provides Grace period payment, the possibility of indexation and "suspension" of the contract.
Established in 2003 Insurance Company Ingosstrakh-life not only has the highest reliability rating of A ++, but also has a “Quality Mark” rating from the NAFI analytics center. Per financial obligations The organization is held liable by its reinsurers - the world-class companies Partner RE, Generali Group, MAPFRE RE, VIG RE and SK Ingosstrakh. For private clients, the company offers registration of investment and accumulative life insurance.
Ingosstrakh-life offers only one ILI option - Vector. The start of sales of policies began in 2015.
The company divides the funds placed by the client into 2 parts:
Options:
You can open the program both in the insurance itself and through agents, for example, UniCredit or Promsvyazbank. Depending on the terms of the agency agreement, the conditions for issuing a policy and investment strategy may vary.
Depending on the needs and goals of the client, Ingosstrakh-life offers 5 options for life insurance:
All programs earn a basic investment income.
Characteristic:
Main risks:
Additional opportunities and risks:
Suitable for clients who create savings for a family member who cannot be insured, for example, for health reasons. The peculiarity of the contract is that on the date specified in the policy, the sum insured will be paid (regardless of whether the insured has lived up to this moment or not).
Registration parameters, main and additional risks correspond to the Garant program.
The program is designed for clients who are interested in forming an inheritance for loved ones with the opportunity to use the amount if necessary.
Characteristic:
Main risks:
Additional risks are similar to the Horizon and Garant programs.
The best option for clients who focus on savings, not insurance.
The parameters for opening the contract correspond to the conditions for the Horizon and Guarantor programs.
The main risk is surviving until the expiration date of the policy.
Additional risks:
The main difference from other programs is the absence of a death protection policy in the basic version. Upon the death of the AP during the term of the contract, only the contributions actually paid will be refunded.
A program designed to save for the purposes of a child who is both the insured and the beneficiary.
Characteristic:
The main risk is the survival of the child until the end of the policy. In case of death before the designated period, the beneficiaries receive the paid contributions.
Additional risks:
It is important that only the parents or legal guardians of the child can be listed as beneficiaries.
Official website of the company: www.lifeingos.ru
Video: presentation of insurance from the official channel Ingosstrakh-life.
Smart investments for conservative investors with the aim of obtaining a stable income annually, protection against currency risks and a 100% guarantee of return on investment 1 .
Investment strategy "Global Economy" 2 of the Growth Vector program is based on a highly diversified index that is based on 4 investment funds. Funds in the index have investment portfolios consisting of several types international assets(stocks, government and corporate bonds and other types of assets) from different global regions (Europe, North America, Asia and others). The combination of funds and the volatility control mechanism allows you to get attractive returns and avoid possible market risks.
At the heart of the investment strategy "New technologies" 2 is the index, which is based on 5 investment funds specializing in investments in the information technology sector. The wide diversification of assets across regions and active management allow the funds to demonstrate consistently positive dynamics, and the volatility control implemented in the strategy allows investments to always stay in trend.
The Growth Vector 3 program is a potentially profitable investment with an annual income payment and a guarantee of a return on the entire investment amount.
Stable growth of assets due to investments in conservative strategies with reliable financial instruments.
The program allows:
1 Does not apply to cases of early termination of the contract. The amounts of redemption amounts paid in case of early termination of the contract are specified in the insurance contract.
2 The Global Economy and New Technologies strategies are focused on the growth of the underlying asset. Detailed information check with bank managers.
3 The insurance program is provided by IC Ingosstrakh-Life LLC (License СЖ No. 3823, issued by the Central Bank of the Russian Federation on 01.10.2015). www.lifeingos.ru During the validity period of the insurance contract or following the results of the insurance contract, the Insurer may determine the Additional Investment Income, which increases the Insurer's obligations for insurance payments related to the insured event for the risk "Survival of the Insured until the expiration date of the insurance period", "Death of the Insured for any reason" without increase in insurance premium.
The results of investing in the past do not guarantee future income, the decision to choose an investment strategy is made by the Insured independently. Amendments to the Insurance Contract are allowed only upon agreement with the Insurer.
4 Funds invested in the program are not subject to division in case of divorce, confiscation, arrest, and cannot be blocked as a result of the suspension of operations on a bank account.
The insurance contract, as well as the funds that are the insurance premium under such an agreement, are not subject to division upon divorce due to the lack of legal grounds for this. However, there are exceptions provided for in Art. 34, 36, 40 of the Family Code of the Russian Federation, in relation to property rights of claim and payments arising from the insurance contract.
According to the current customs, criminal, administrative and copyright laws, an insurance contract and funds that are an insurance premium under such a contract cannot be subject to confiscation.
The insurance contract does not imply the opening of a special account of the Insured in a bank, in connection with which such an insurance contract, as well as funds that are an insurance premium under such an agreement, cannot be the object of suspension of operations on a bank account.
The arrest of an insurance contract or funds that are an insurance premium under such an agreement is unrealizable due to the lack of legal grounds. In this case, the arrest can be imposed on property rights claims arising from the insurance contract.
5 The right to receive the sum insured belongs to the person in whose favor the contract is concluded. If another person is not named as a beneficiary in the insurance contract, the contract is considered concluded in favor of the insured person, in the event of whose death the heirs of the insured person are recognized as beneficiaries. Exceptions and limitations are possible according to Art. 1149 "The right to a mandatory share in the inheritance" of the Civil Code of the Russian Federation.
6 All sums insured are fixed in the insurance contract. In the event of the risk “Death of the Insured as a result of an accident”, payment for two risks is possible - “Death of the Insured for any reason”, equal to 100% of the contribution to the program and for the risk “Death of the Insured as a result of an accident”, equal to 100% of the contribution, but no more than 6 million rubles for persons aged 18 to 75 and no more than 1 million rubles for persons aged 76 and over. In the event of the risk “Death of the Insured as a result of an accident”, payment for three risks is possible - “Death of the Insured for any reason”, equal to 100% of the contribution to the program, for the risk “Death of the Insured as a result of an accident”, equal to 100% of the contribution, but not more than 6 million rubles for persons aged 18 to 75 years and not more than 1 million rubles for persons aged 76 years and over and at the risk of "Death of the Insured as a result of an accident", equal to 100% of the contribution, but not more than 6 million rubles for persons aged 18 to 75 and no more than 1 million rubles for persons aged 76 and over.
7 Club of privileged clients UniCredit Prime Club.
The insurance rules are available on the website of IC Ingosstrakh-Life LLC: www.lifeingos.ru.
Please note that the data provided is for informational purposes only and under no circumstances is a public offer determined by the provisions of Article 437 (2) of the Civil Code of the Russian Federation and does not constitute an individual investment recommendation.
