The next principle is the unit-linked life insurance. This is the term you save a combination of life insurance and funds.
In contrast to the life insurance capital invested in fund-linked life insurance part of your capital in funds. Sub-Fund is meant here securities. In the real sense this is the same principle as when British insurance company, the only difference is that a smaller portion of your capital is invested in shares.
The unit-linked life insurance has significant tax advantages. That is, if, for example, a unit-linked life insurance for a period of 12 Years and have reached your payout over 60 years of age are located, only 50% of your income tax. The insurance is tax deductible as often as at least 60% of the sum insured for death must be paid.
Another advantage of using a unit-linked life insurance is that you can see part of your capital and partial payments at any time. This means that you do not have to wait for the expiration of the insurance so you can take the insurance money. For unit-linked life insurance you can choose whether you want to invest your savings into one or more Funds. You must is set not only on a stock, but can choose from several stocks.
The disadvantage can be attached to the unit-linked life insurance, they can provide in contrast to the endowment policy no guaranteed flow rate. This means that you get on the due date of your insurance saved some fund balance paid at the prevailing exchange rate. If the current rate is not good at this time, you will get a not so large amount, as well as on a day when the exchange rate. It is an advantage if you yourself have some knowledge of current trading. Another disadvantage is that you do not know in advance how hoch Ihre Rendite sein wird. Wenn Sie also, etwas risikofreudig sind, treffen Sie mit der fondsgebundenen Lebensversicherung sicher die richtige Wahl.
In contrast to the life insurance capital invested in fund-linked life insurance part of your capital in funds. Sub-Fund is meant here securities. In the real sense this is the same principle as when British insurance company, the only difference is that a smaller portion of your capital is invested in shares.
The unit-linked life insurance has significant tax advantages. That is, if, for example, a unit-linked life insurance for a period of 12 Years and have reached your payout over 60 years of age are located, only 50% of your income tax. The insurance is tax deductible as often as at least 60% of the sum insured for death must be paid.
Another advantage of using a unit-linked life insurance is that you can see part of your capital and partial payments at any time. This means that you do not have to wait for the expiration of the insurance so you can take the insurance money. For unit-linked life insurance you can choose whether you want to invest your savings into one or more Funds. You must is set not only on a stock, but can choose from several stocks.
The disadvantage can be attached to the unit-linked life insurance, they can provide in contrast to the endowment policy no guaranteed flow rate. This means that you get on the due date of your insurance saved some fund balance paid at the prevailing exchange rate. If the current rate is not good at this time, you will get a not so large amount, as well as on a day when the exchange rate. It is an advantage if you yourself have some knowledge of current trading. Another disadvantage is that you do not know in advance how hoch Ihre Rendite sein wird. Wenn Sie also, etwas risikofreudig sind, treffen Sie mit der fondsgebundenen Lebensversicherung sicher die richtige Wahl.
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