Insurance

Why choose life insurance as a financial investment?

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Why choose life insurance as a financial investment? Many people believe that life insurance is a way to provide for the needs of their loved ones in the event of death. However, this insurance is beneficial for the insured himself being a kind of savings, which can help him meet some of his needs especially in the event of retirement. Life insurance can provide coverage that can serve as a very sound financial investment, as it tends to build up cash value over time.

What is life insurance and what are its advantages?

Why choose life insurance as a financial investment?

Life insurance is a contract made with an insurance company. In exchange for the payment of the premiums, the insurance company pays a lump sum to the beneficiaries in the event of death (death benefit) or the insured himself in case of need. Typically, life insurance is chosen based on the owner’s needs and goals. The insured chooses the way that can suit him. It all depends on the level of risk he wants to run.
A safe financial investment consists of investing your money in euro funds, considered to be secure and guaranteed funds. The Allianz life insurance investment provides guaranteed capital with an attractive return. However, this yield may lose value over the years, hence the appearance of new funds in euros with fairly high performance, while preserving the capital guarantee which allows an optimization of the yield.
An alternative is to invest in “units of account” which are nothing other than funds in bonds, stocks, or safe havens. In this type of financial investment, the capital is not guaranteed, but the return is much higher. The insured makes one of the investments according to the level of risk that suits him. However, low risk means a low return. It is therefore preferable to opt for a risky investment to be able to achieve a higher return.

Life insurance is a very flexible financial investment!

By taking out life insurance, the insured can make scheduled or free payments. He or she, therefore, has the right to manage his contract in the way that suits him or her, since the amounts of investments are not limited. Also, by investing in life insurance, capital is not blocked. The insured can afford to withdraw part of his savings in the event of an unforeseen or need, without terminating his contract.
Life insurance can be useful to cover certain unforeseen expenses during difficult situations or to make a financial investment in other projects. Life insurance allows the insured to build capital over the long term. In this regard, investing in life insurance allows the insured to build up capital, thanks to the money invested in addition to the net interest resulting from his financial investment.

Life Insurance

Life insurance helps supplement the insured’s income

To do this, you simply need to apply for a lifetime income insurance to secure your income, especially in the case of retirement or old age. In addition, life insurance makes it possible to optimize the transfer of assets.
It is an investment that provides a kind of protection for the insured relatives. This guarantees them a capital that the insured can receive after their death. Life insurance is a very attractive financial investment because the insured does not need to file a tax return, only if they make a partial withdrawal before the contract expires.

Why choose life insurance as a financial investment?

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