Those who just need to invest money will choose a mutual fund. But others need a more complex product that will allow them, for example, to save up for their son’s university, to insure their life, taking things are getting hot: 8 tips for email newsletters for the may holidays into account the legal features inherent in this product. A mutual fund provides for the exclusion of assets from the estate in favor of the designated beneficiaries.
— What are your estimates of the prospects for this type of insurance, when will it appear?
Life insurance is a more transparent product
compared to investment life insurance. After all, the life insurance policy itself is not bad. The question is how it is implemented. How was the economy of life insurance organized? The bank received a commission for selling such an insurance product in the amount of 10% of the client’s contribution. The client was sure that 20%, or 20 rubles, out of 100 rubles would go to investments. In reality, it turned out differently.
Rubles went to the seller (the bank
Only 20% of 90 rubles were directed to investments. One of the disadvantages of life insurance is that the seller himself is less interested in long-term relationships with the client. He clubhouse – everything your brand and business needs to know sold the policy for five years and forgot about it. But life insurance is focused on the client’s regular alb directory contribution. Moreover, the client understands where his funds are invested.
— And as for the rapidly growing endowment life insurance (ELI), is there a risk that it will eventually acquire the same reputation as the ILI?