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 In
general there are 3 purposes with a life insurance or a
pension plan. It is important to have a look at your situation
and
clearly determine what financial security you need.
Life
insurance :
(Discontinuing life insurance)
A
predetermined insurance amount is paid to your surviving relatives
should you die before the expiry date which is stated in
the policy. This form of insurance can be combined with an
accident cover. This is a cheap form of insurance, and very
directly put : “100% satisfaction or the money is wasted”.
Cross
life insurance:
This
is mostly done by couples who live together without being
married.
They
take out a policy on each others life. Inheritance tax is
avoided, and there is a cover in the policy that pays off the
joint financial obligations, ie. joint
mortgage.
Capital
insurance:
A
capital insurance is a pension plan that pays out the
predetermined insurance amount on a predetermined date or in
case of death before this date. This payout
can
be a once-and-for-all amount, or it can be paid out in rates.
Annuity:
-
is a pension plan that can be combined with an insurance cover
by death and/or invalidity. An annuity is paid out monthly as
long as you live. You can also choose an annuity with a
guarantee period.
Tax:
There
are different possibilities of tax deduction for the different
insurances.
This
we will also explain to you, when we help you tailor-make your
cover.
Health
information:
You
have to provide information about your health when you take
out this type of insurance, you might even have to see a
doctor. If this is the case, the cost will be paid by the
insurance company.
We
deal you “the best hand”…
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- for your peace of
mind!