Over time, one's physical condition may improve for the
better and start thinking about using his money and trying to invest it
somewhere. Why not think about the benefits of using his savings in life
insurance? This method is considered one of the best ways to build capital at
the long and long term. Life insurance is like a savings book, but it is better
because its benefits remain on the long term.
term.Benefits of life insurance: low risk
Life insurance often gives you the choice between a fund
called in euros and a fund in UC (Units of Account), or multi-media. When you
choose the Euro Fund, often called the Security Fund, you are guaranteed to
receive the announced interest rate. Your risk is therefore zero: you are not
likely to lose money in relation to your contribution or your payments / You
are sure to recover your stake, and the interest calculated according to the
advertised rate. On the other hand, even if the risk is zero, the returns of
single life insurance contracts are much more interesting than the rates of
savings books, the main competitor. There may be in the best periods almost 1%
difference between these two types of savings contracts stars.
Benefits of life insurance: an optimized tax system
The advantage of life insurance over other well-paying
investments is that, if you meet an investment time of 8 years, you will be
exempt from tax. That is, neither interest nor realized capital gains will be
taxed in respect of income
Benefits of life insurance: a beneficiary in the event of
death
The advantage of life insurance over a simple savings
booklet is that you can specifically designate your beneficiary, and take it
out of what is called your estate. This is equivalent to being able to choose
to whom you wish to bequeath the sum invested, if you do not wish this sum to
be distributed according to the rules of the common law between all your legal
beneficiaries (husband, children, grandchildren, etc ...), and that this sum
will not enter your estate, and will not be subject to inheritance tax.
Benefits of life insurance: flexibility
The advantage of life insurance is the cohort of contracts
that can easily adapt to your needs. You want to prepare for your retirement?
There are specific life insurance policies. Do you prefer to use life insurance
as a guarantee to prepare for your child's future? This eventuality is quite
conceivable: a pension education exists. Would you like to invest? The
multitude of supports proposed in the life insurance contracts invites you to
it. Do you want to take risks? UC contracts are for you. You want a guaranteed
return and act as a good father? Head to the euro fund.
Life insurance can do almost anything, just ask an insurance
professional to convince you.
Life insurance contracts are often considered the best long-term
investments. As a result, the government can, among other things, ensure that
life insurance retains the advantage over short-term investments by deciding
not to revalue the passbook rate, as was done in January 2012, for example. The
rate of return of life insurance is generally around 3% in the worst moments,
and 4 to 5% in the best moments. In addition, if you want higher rates of
return, you still have the opportunity to buy life insurance, and enjoy all the
associated benefits, but by choosing a fund in UC, which will allow you to
increase your remuneration ... . or reduce it if your choices have been risky
or if the stock market situation is not favorable during the time your savings
have been invested.
In the end, I tell you that the benefits of insurance for your life
are great and come from your savings. But thinking about buying life insurance
is a great risk. It is therefore imperative that you consult with the experts
in this field and follow the news from here and there. The online way to
compare life insurance comparisons to guide you through a variety of contracts,
insurance experts are ready to answer all your questions by any means of
communication you choose.
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