Let us talk about different kinds of insurance in this article. br /
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And I want to start with the accumulative life insurance:br /
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As acquisition of policies of accumulative life insurance it is possible to provide for yourself a worthy standard of living on pension. In the insurance market of a life enough it is offered a wide choice of the insurance to insure for yourself a wealthy old age.br /
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For example, lifelong annuities (uniform payments after a retirement and till the end of a life), lifelong annuities with the guaranteed term of payments (without dependence whether will live the insured person or die throughout the fixed term the pension will be paid to him or to his successors), urgent annuities, dated for pension.br /
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Thus the people can choose a pension age themselves. Or the firm can choose it for the insured employees, operating that term of a retirement of the personnel. That is the enterprise can operate itself by means of the pension insurance the personnel selection: to send the personnel on pension earlier or after the term established by the state.br /
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However for those who wish to receive not only pension, but also protection in action of the policy of assurance of a life, the company suggests choosing and combining the insurance from different products receiving so-called designer. Designer provides to the client possibility in one contract of life insurance to combine all necessary insurance coverings, considering its requirements and possibilities.br /
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For example, it is possible to design the insurance which will include both pensions insurance and insurance upon accident throughout a validity for 5, 10, 20 years or to get long-term accumulative life insurance and insurance on a case of critical diseases (oncology, a stroke, a heart attack).br /
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Variants and combinations of designer can be very much. Such insurance programs today only become popular among people and not to all clients are clear. Cost of the insurance of designer depends on a set of the risks chosen by the client.br /
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Insurers assert that more often clients design products as follows: the accumulative life insurance plus risk insurance «Death for any reason» or the accumulative insurance Pension plus Accident.br /
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As to the period of validity of such insurance they do not differ from standard programs of life insurance. The same concerns also the taxation: if such programs are calculated, as well as standard, for the term of more than 10 years, that, under the law 15 % of surtax do not raise the state from payments. On the other hand, insurers admit that designer is not the panacea ready to protect from all troubles and only a successful marketing course for the purpose of attraction of the client which gives to clients the big freedom in choosing.br /
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