Insurance for survival: how to increase your capital during his lifetime?

Today the share of long-term insurance savings account for over half of all collected premiums in the world. There is nothing surprising in this, because this kind of insurance involves the accumulation, preservation and increase of capital by the insured. One kind of savings insurance is insurance for survival. In essence, a form of saving money. Thus, the policyholder will receive an insurance payout, if die before the period specified in the Contract. The value of the insured amount will consist of the premium paid and the income from the investment of this amount. "During the period of insurance is accrued investment income to the savings pool, formed under the policy", - says head of marketing Ingosstrakh Life "Julia Alekhine. However, if the insured dies before the expiration of insurance, no interest is not worth waiting, the insurer will simply return a sum of money, contributed to the insurer as a premium. In the latter case, compensation will be relatives or close the insured. How to protect yourself? Since the main condition for obtaining insurance payments is the very fact of survival, not death, no medical examination, as well as statements about the health of the prospective client, the insurers generally do not require. "The customer enters into a contract with an insurance company for a certain period of time and regularly pays the insurance premiums, - says head of marketing Ingosstrakh Life" Julia Alekhine. - Payments can be made annually, semiannually, quarterly. It is also possible to pay a one-time fee for the entire period of insurance. Upon the expiration of the client receives the agreed sum of money that is paid either a lump sum or installments (the so-called insurance annuity). It is known that if the contract provides for delayed insurance annuity, the insurance payment is made only after a certain period of time, and the premium paid over the life insurance or before the date of death of the insured. Advantages The main advantage of insurance on the endowment can be considered as augmenting equity. With the help of insurance endowment insurance company clients form the target savings, pensions or savings for your child. For wealthy clients in the endowment insurance is the most conservative part of the guaranteed investment portfolio,