More about some of the advantages of ILI

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But they are reliable. With them, it is easier to save the client's money. And also to cover possible damage if the remaining funds are invested unsuccessfully. Investment. It is also called income. As the name suggests, the policy owner profits from the assets of this part.

The insurer invests funds in high-risk assets. Therefore, the profitability of the investment part cannot be guaranteed. Profit depends on many factors. Including the state of moj data the market. And no insurer can influence this. Nevertheless, the invested funds will be returned in full in any case, even if you fail to earn anything extra.


But check with the insurance company where you are taking out the policy. Nuance: when drawing up a contract, pay attention to such a clause as the participation coefficient. This is the percentage that the insured will receive from the investment. For many insurance companies, it is 80-95% of the profit received. The instruments chosen by the insurer and the amount of the premium play a role. Often, the higher the amount of the premium, the more favorable the conditions of the insurance company. Life insurance as an investment in practice Here's how the calculation of profitability looks in practice. Let's say a person purchases an investment life insurance policy for 300 thousand rubles and for a period of five years.


According to the contract, he must immediately pay the entire amount to the insurer. Of this money, according to the terms of the contract, the insurance company is allowed to invest 90% of the funds. The remaining amount goes to commissions, organizational and other expenses of the insurer.