Life insurance as an investment in practice

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If the policyholder deposits the entire amount into the insurance company account at once, without additional contributions, then the deduction can also be received once. The maximum that can be returned is 15,600 rubles. The return of contributions at the end of the contract is considered an insurance payment. Therefore, it is not subject to taxes. You will have to pay taxes only on the profit received.

And even then, only if it exceeds the Central Bank's key rate. How zalo data to choose the right life insurance policy Policies are purchased directly from the insurer or through financial marketplaces. The latter option is more convenient because there is a chance to clearly compare offers from different insurance companies and choose the right one.


When purchasing, pay attention to the following points: Contribution terms. How much money and for how long do you want to invest. It is also important whether you need to transfer the entire amount at once or whether it is allowed to split it into parts. Deadlines. The standard term is from 3 to 5 years. But some insurance companies offer longer programs. If you search, you will find short offers with a term of one year. Only the benefit in this case may be less than with a similar policy issued for five years. Payment terms. It is important to understand what and under what circumstances will be considered an insurance event. Find out what will be the reason for denial of compensation.