Accumulative insurance enables you to accumulate sufficient saving for major purchases and to generate additional income as well. Accumulative life insurance with Ingosstrakh holds a number of advantages:
In the insurance contract, you may indicate the insured amount and insurance period based on your own choice.
You may choose the way you want to pay your insurance premiums, whether as a one-off payment or in installments (annually, every six months, quarterly, monthly).
The guaranteed rate of income is 3.5% pa. Moreover, based on the annual return on investments your policy will be eligible to an additional investment income.
INVESTOR:
The program provides a maximum income through increase of the accumulative component in the insurance premiums and reduction of the risk component.
The insured amount is payable when the Insured person lives to the date stipulated in the insurance contract.
In the event of death of the Insured person its Beneficiary shall receive all premium payments made to Ingosstrakh.
Examples:
A man of 35 wants to accumulate savings to suffice him to purchase a country house by the time of retirement. The insured amount is $100 000. The size of the annual premium payable will be $2700. The forecast insured amount receivable, inclusive of the additional investment income will be $147 000.
A woman of 32 decides to execute a life insurance contract for the period of 20 years in order to save up a sum she intends as a wedding gift for her child. The insured amount is $40000. The annual premium under the insurance contract will be $1 550. The forecast insured amount receivable, inclusive of the additional investment income is $52 770.
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