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Many people are worried by the economic problems that tour death can provoke your family. Your major dread is that both your spouse and children do not possess the means or income to take charge of the expenses of burial, obligations of housing and the expenses to survive.
The Life insurance acts as security opposite to a possible situation of economic compulsions and the beneficiary will receive a sum of money in case of your death. Giving tranquility to your family. You the signing of a contract with the insurance one, this one promises to deliver to the persons that you have designated as beneficiaries a sum of money in the moment of your death. Your obligation in this contract is the payment of the premiums, in the form stipulated in advance. Some policy they can benefit the policyholder in life. These policies accumulate savings that can be used in the future as for example to complement your retirement or for what you want to destine.
For many this topic turns out to be slightly violent, but a good advice is fundamental, to study the diversity of offers to be able to determine which is the ideal coverage, for you in agreement to your needs.
Related to this one they find the following insurances:
The Complementary Assurance of Risk, immediately after the promulgation of the law N. 26790, he must be acquired by those companies where your personnel develop activities of high
ASSURANCE OF RETIREMENT AND SAVING
The principal advantage is the liquidity. The subscriber can extract the entered money at any time (though it will be penalized by it by a high enough commission, something in what rarely one affects when a consumer contracts this financial product). In principle, the contributions of these assurances of saving recover in the date reminded between the insurance one and the client, it does not have why to coincide with the pensionable age. To avoid misunderstandings, it is necessary that all the period gather in a written document.
PLANS OF FORECAST POLICYHOLDER (PPA)
You see an assurance of saving and forecast with analogous coverages and services, limits of contributions and fiscal treatment to those of the Pension plans. This product is included in what is known as " Insured Plans of Forecast " (PPA). The fundamental difference between the PPA and the Pension plans, is that the first ones have the obligation to establish a guarantee of interest rate, whereas the second ones do not offer, of general form, fixed performances, but your profitability depends on the behavior of the assets in those who are inverted on the financial markets.
INDIVIDUAL PLANS OF SYSTEMATIC SAVING (PEEP)
The individual plans of systematic saving, popularly known like PIAS, that have begun to be commercialized on the Spanish market last January 1, 2007, are a financial exclusively insurance product. Therefore, the interested parties will be able to contract them in the insurance entities. His purpose is to be accumulating the capital throughout the time, which can serve as complement to the public pension of retirement. His principal aim is to stimulate the contracting of life insured revenues. In fact, this product forms as a contract signed with insurance entities to constitute with the contributed resources a life revenue, that is to say, the payment of a monthly revenue with a quantity known in advance, that will depend on the total accumulated capital.
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