In terms of life insurance there are two major types of contracts: the contract if the contract life and for death. The first allows you to benefit from the payment of an annuity or capital to an end and is as an investment opportunity to collect additional income in retirement. For its part the second is a guarantee for your loved ones. It allows them to receive a lump sum or an annuity after your death. But there are also mixed contracts for, or the insured if he is alive at the end of the contract to the beneficiary designated for death before that date, to receive payment of an annuity or lump . Then you can choose between different options both in terms of the investment vehicle that the output mode of life insurance.
When taking out a life insurance policy, you can choose between various investment. Note, however, that some media are more risky than others. For example, while your capital is guaranteed with a contract in euros, this is not the case with a unit-linked contract or deed since your capital varies by market.
If it is less risky, the contract in euros is also the one with the simplest operation. You pay an amount with capital plus interest earned with a minimum rate specified in the contract. The contract unit-linked or action is riskier and more complex, but it may be more profitable. Amounts paid on your life insurance are invested in unit-linked and are transformed into stocks, bonds or in mutual fund shares. The investments will therefore vary depending on market developments. By cons you have a number of units of guaranteed account.
To qualify for an investment that is both profitable and guaranteed, you can opt for a multi-carrier life insurance policy. This type of contract allows for both investments in euros and investing in units of account.
With a life insurance policy on maturity you receive a payment if you are still alive at the end of the contract. With a life insurance policy in case of death your beneficiaries receive a payment after your death. You can choose between several output modes. It is possible to choose a payment in the form of an annuity. The money is then poured evenly or periodically for a predetermined time. You can also opt for the payment of your benefit as a lump sum, the money is then paid at once. To learn more about how life insurance you can get information from banks.
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