Любому человеку свойственно испытывать certain fears. Of course, they each have their own: some are afraid of loneliness, and some are dark. But there are fears that, to a certain extent, unite all or almost all people. It's about fears associated with disability, with weakness and with death.
While a person leads a normal life,earning a living, buying a home, a car and other goods, he feels confident. However, from time to time he is still visited by thoughts about what will happen to his family if he suddenly becomes ill, loses his ability to work or, worse, dies. Naturally, not a single person in the world can be protected from all illnesses and from death, but accumulative life insurance helps to feel certain confidence in your future and the future of close people.
Unfortunately, many people do not understand whatLife insurance is different from other types of personal insurance. Although there are quite a few nuances that highlight this insurance product. First, accumulative life and health insurance is issued for a sufficiently long period of time (unlike the same medical insurance, which can be issued even for a year, at least for 2 weeks).
Secondly, the person insured under the program socalled risk life insurance (the contract clearly states the risks to which it is valid) receives payments even in the case of injuries indicated in the contract, or in the case of illness (if it is provided for in the contract). If a person has issued a cumulative life insurance, then neither injury nor illness are insured events. The insurer will receive money only in the event of incapacity for work (disability) or death (in this case, the heirs receive payment).
Оформляя договор о накопительном страховании, the client undertakes to periodically deposit certain amounts into the insurer's account, and after the expiration of the contract, he can expect to receive the entire cumulative amount with interest. He can receive it as a lump sum (the insured amount is transferred in full to his account), and according to a predetermined schedule (for example, monthly, as an additional pension).
If there is a misfortune with the insured personor it will suffer a serious illness, which will result in disability or death, the insurer will pay the full amount of the contract, regardless of how much money the client has managed to accumulate at his own expense.
