Life insurance
At the end of their life to the insured in the appropriate case, the sum insured is paid.
A life insurance policy may well also beneficial as a complement to other similar insurance policies are created and maintained over their entire duration of time.
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Life insurance in the financial sector
Life insurance compare to completion
Life insurance is an insurance that the insured person and his family mostly in the case of the death economically invited to cover . In the contract , the one culminating in an insurance company , it is agreed that the specified insurance benefit most in the event of death or when experiencing a certain timing to the policyholder or another person is given permission . The insurance benefit is not dependent on the damage sustained in case of death , but refers to the sum insured in the contract , which is then paid out. However, there may also be that there is another insurance case is used as a death. for example , the occurrence of serious illness or the professional or incapacity of a person in Contract be used. Similarly to the life insurance is one of the private pension insurance, which provides a monthly pension payment in the case of admission to the contractor .
Life insurance should not take in conjunction with other state security options , such as Social Security. Life insurance is an additional precaution , completed with a private insurance company. Life insurance provides is not therefore the property of the policyholder, but the person himself , a so -called personal insurance . They include the life and example Private health insurance, The private pension insurance and private health insurance.
If 01 contracts before the were completed in January 2005, then payments of benefits are considered tax exempt if the contract was at least 12 years , we 've made at least five years his contributions and you have a minimum life cover of 60 %. For the 01 contracts under the were completed in January 2005 provides that capital gains are taxed at the expiry of the contract only with half of the personal tax rate when the term of the contract at least 12 years, and the end of the contract after the age of 60 Age has been set.
The so -called surrender values in life are in the early years of the contract less than the sum of paid contributions. So you should think carefully this insurance for such a short time to cancel again because this one makes a loss.
The main types of life insurance
Types of life insurance can be distinguished according to various criteria such as for the insurance case , the capital , the provision of insurance cover , the type of insurance coverage and the eligibility of specific state funding process .
A type of life insurance , which is due to the Capital different from other species , is the risk insurance. This insurance is a service of insurance is only payable if the insured event described in the contract , such as the death of the policyholder or a disability occurring during the term of the contract will really happen. Examples of risk insurance are term -life insurance and disability insurance. The contributions of the insured are dependent on various criteria such as age, health status and sex. The goal and purpose that are behind this insurance that the survivors are protected by the policyholder in an occurrence of the insured event financially. The contributions payable will be paid for that in the event of the insured event occurring provides the life insurance company performance. If this happens should not , then no benefits are paid by the insurer.
In the capital-forming life it is so that you get supplied with a greater probability than for a risk insurance capacity. A good example is the mixed life . It is an insurance policy that both the experience of the contract ends , as well as providing a benefit on death . The fact that the insurer provide in any case, the service has to , he is forced to the contributions of the insured anzusparen . The unit-linked endowment insurance is the most closed life insurance. Many people use this type of life insurance as a long-term and safe investment for their retirement .
For additional informations informations in german please visit our german site - Thank you.