For some reason, it is believed that savings, investments and other financial investments are the responsibility of men. They say that women can plan the current family budget – and that’s enough. Serious financial issues should be solved by men – after all, it is difficult, risky and requires special knowledge … Is it really so? Let’s figure it out!
In fact, the strict male prerogative in matters of financial planning is, of course, certain prejudices and echoes of the past. Nowadays, more and more women are not only actively involved in resolving financial issues of the family, but also run their own business, make long-term decisions and plan effective investments and investments.
At the same time, if running your own business still requires special education or a lot of practical experience, planning long-term family investments is quite accessible to each of us!
Currently, there are many programs on the market that allow you to competently and effectively invest family or personal capital, not only ensuring its long-term profitability, but also reliably insuring your risks. In particular, investment life insurance (IOL) programs are one of the great examples of such an investment.
ILI programs are an optimal opportunity not only to insure your life, but also to invest wisely and increase your funds, creating a kind of “safety cushion” for yourself and your loved ones. In other words, investment insurance is one of the effective financial instruments used to plan both family and personal budgets. And the competent management of finances is, you see, one of the main keys to both professional and personal success!
The essence of investment life insurance programs is very simple: insurance premiums not only cover the standard risks of the insurance program, but also allow you to receive potentially high additional income, as well as a guaranteed return on investment. For this, the insurer company professionally invests your capital, combining high-yield financial instruments with instruments with guaranteed returns.
At the same time, all investments are protected in accordance with the legislation of the Russian Federation, insurance payments are not taxed, and the income received is taxed only if it exceeds the refinancing rate.
It is important to understand that funds invested under the ILI program are not subject to confiscation or dispute over inheritance issues. Moreover, as a beneficiary (that is, a person who will receive all payments), you can specify not only yourself, but also relatives and friends – for example, children or elderly parents. This way, you can provide them with an independent financial cushion.
And of course, when choosing a suitable investment life insurance program, it is very important to choose the right insurance company that will invest family or personal capital! One of the leaders in the life insurance market is the Ingosstrakh-Life company, which deservedly has a reputation as one of the most reliable and stable companies to which you can entrust your funds.
If you have any questions, the company’s specialists are always happy to advise their potential clients and explain in an accessible way that investment insurance is simple, understandable and reliable.