Endowment yomshwalense: sohlelo izinkampani eRussia nakwamanye amazwe

Akekho bangaqiniseka esikhathini esizayo. Ngisho nalabo uhlela ngokucophelela ngokuphila kwakhe, banawo izifo, izingozi, ubugebengu, nokunye. Vuliwe. Kodwa kukhona indlela yokuqiniseka okokusebenza inhlalakahle imindeni. Wozani umshwalense usizo isipho ukuphila. izinkampani Isilinganiselwa ngesevisi ezinjalo, izokwethulwa ngezansi.

Kuyini umshwalense isipho?

Uhlelo umshuwalense wokuphila inikeza ithuba ngisindise abathile imali eminyakeni embalwa. Iklayenti uthembisa imali nyangazonke noma minyaka yonke. Ngesikhathi esifanayo inkampani yomshuwalense ubophekile ukuba ukhokhe imali ethile uma umcimbi insured noma ekuphetheni inkontileka.

Phesheya ekuthuthukisweni ngaphezulu umshuwalense wokuphila. izinkampani Isilinganiselwa phesheya ngonyaka ubuyise le nhlangano entsha abasha, eyithembisa ukwenza into emigomeni izindawo ezingconywana. Amakhasimende ayikwazi kuphela wonge imali, kodwa ngibandise. umshwalense Endowment kusikisela ukuthi kungenzeka ekuqongeleleni dolobha, kuhlangene umshwalense ukuphila nempilo iklayenti. Ngaphambi kokwenza isivumelwano esinjalo, kubalulekile ukuba sihlole iziphakamiso izinkampani ezahlukene.

"Renaissance Life"

inkampani yomshuwalense usebenza emakethe u-Adalberto isikhathi eside futhi wakwazi ukunqoba ukwethenjwa izakhamuzi. Lona omunye izinkampani wokuqala Russian ukuthi waqala ukunikela umshwalense isipho ukuphila. izinkampani Isilinganiselwa ngesevisi ezinjalo, "Renaissance Life" iqala ngengozi. Ikhasimende ine ithuba lokukhetha uhlobo lwemali lapho ukwenza into. Kungenzeka ruble, zamadola euro. Iklayenti bangaba isakhamuzi Russian Federation kusukela engu-18 kuya 55. Ekupheleni inkontileka ikhasimende akufanele kube iminyaka engaphezu kwengu-65.

Ungakhetha umshwalense eside (esiphezulu - iminyaka engu-10). Ekupheleni yesivumelwano iklayenti ikhokhwe yonke imali eminikelweni ukuze kuzuze 40%. Uma eshona we izimali iklayenti-ikhokhwe phinda umzuzi. Yonke imali okhokhela abantu bavikelekile kwamandla emali. Ngakho, umuntu uyithola ithuba ukuhlela ikusasa sabo sezimali.

"ASCO"

It iyaduma emhlabeni wonke umshuwalense wokuphila ezuziwe. izinkampani Isilinganiselwa Kazakhstan kuvula Inhlangano "ASKO". Ukuze ukuthathelwa umshuwalense impilo kanye nempilo futhi ngesikhathi esifanayo buthelela ethile kwezimali kungaba yisiphi isakhamuzi omdala yezwe. izindleko inqubomgomo ibalwa ngamunye futhi lincike inani iklayenti ufuna uthole ekupheleni yesivumelwano.

Faka isicelo ikani angebe khona umuntu ngesikhathi sangempela. Ngesikhathi esifanayo, ukuze uthole inqubomgomo, akusho ukuthi aphume endlini. Zonke imibhalo edingekayo izothunyelwa ngeposi. Labo amakhasimende namanje ukuza ehhovisi bebodwa bangathola isaphulelo 15% ngesikhathi lokuvala.

"Alfa Insurance Life"

Nikeza nethemba ngekusasa yomshwalense accumulative. izinkampani Isilinganiselwa uyaqhubeka "Alfa Insurance Life." Uhlelo, okuyinto olunikezwa inkampani, ngeke nje kuphela ukulondoloza lemali edingekayo imali ngosuku oluthile, kodwa uyoba isivikelo kwento kwenzeka kufa iklayenti noma ukulahlekelwa ukukwazi kwabo ukusebenza. Endabeni umshwalense lemali agcwele izihlobo.

Uhlelo Google ivikelwe ngokugcwele ekukhokheni intela. Kuze kubuye imali iklayenti yonke iminikelo wenze ezibhekwa impahla inkampani yomshuwalense. Ngakho-ke, izibopho zawo ezibonakalayo ukuze asize isimo bengekho nhlobo. A iklayenti inkampani yomshuwalense livulekele yisiphi isakhamuzi omdala we Russian Federation akuyona abaneminyaka engama-55. Ekupheleni yesivumelwano pholisi othola Inani eliphelele iminikelo amaholo 17%.

"Rosgosstrakh Life"

Yezefundo inikeza umshwalense isipho ukuphila evumayo. Ngo-2016, simo izinkampani "Rosgosstrakh" uthethe yezindawo zokuqala. Uhlelo, okuyinto ezinikezwa yinhlangano, kunezinzuzo eziningana. Iklayenti nomkhaya wakhe ungathola ukuvikelwa zezimali ezimweni eziphuthumayo (ukufa kwesamba, ukugula, ingozi). Ngaphezu kwalokho, kungenzeka ukuba ukukhiqiza ukonga abahlosiwe izifundo, yokufuna ingcebo noma imoto. Uhlelo Umshwalense ivumela ngokuphumelelayo ukuhlela izindleko. Minyaka yonke ngokobungako izimali zanqwabelana, esiza bazivikele kwamandla emali.

Ngingayithola kanjani ukudweba yomshwalense ezuziwe? izinkampani Isilinganiselwa kuhlanganisa nezinhlangano esingavika isivumelwano ngoba izimo abaqotho. Uma sicabangela "Rosgosstrakh Life," ezingase zibe iklayenti zonke isakhamuzi omdala we Russian Federation akuyona abaneminyaka engama-70. nenkathi yenkontileka engu-5 ukuya ku-22. Ngesikhathi kuthengiselana ikhasimende linethuba lokukhetha imodi lokukhokha yokukhokha umshwalense - nyangazonke, ngonyangantathu noma minyaka yonke. Ekuphetheni inkontileka pholisi ithola imali imali umvuzo afika ku-10%.

"Standard Umshwalense Russian"

Yezefundo inikeza uhla izinhlelo umshwalense, kuhlanganise umshwalense isipho ukuphila. izinkampani Isilinganiselwa eRussia uye wanda inhlangano ngengozi. Incwadi yesivumelwano esiphethwe inkampani yomshwalense, kungaba enye esihle ukuze lifake. Izimali ezifakwa yiklayenti, bavikelekile kwamandla emali. Lokhu kusho ukuthi iklayenti ungaqiniseka ukuthi imali ngeke kuphela lilondolozwe, kodwa iyanda. Ngaphezu kwalokho, pholisi ngeke uthole inkokhelo uma kwenzeka ingozi noma ukugula.

Iklayenti Inkampani "Russian Standard Insurance" livulekele yisiphi isakhamuzi we Russian Federation ngubani attained kweminyaka eyi-18. Ukuze isivumelwano kungenzeka ngasiphi ukusungulwa ehhovisi. Ngokuhamba kwesikhathi real ungakwazi futhi isicelo ukuthola inqubomgomo yomshuwalense wokuphila. Isilinganiselwa izinkampani umshwalense ikakhulukazi yakhiwa amabhizinisi abe imithombo kusebenziseka kalula wewebhu we kwamakhasimende. Amakhasimende "Russian Standard" ungakwazi ngasiphi isikhathi ungene ku-akhawunti yakho ye-inthanethi futhi ubuyekeze ulwazi ekongeni.

"Sberbank yomshuwalense"

"Savings Bank" - lo likufuna isikhungo sezezimali eRussia kakhulu. It unikeza inhlangano futhi isipho umshuwalense wokuphila. Izilinganiso ejensi agcwaliswa ngoba kuyinto ngokuya ngempela evumayo kuthengiselana. Liphinde ezihlongozwayo izinhlelo eziningana umshwalense imali. "Capital Okokuqala" - umkhiqizo okubandakanya ekuqongeleleni amafa izingane ukuphila omdala. Okwenziwayo angasayindwa ngokushesha ngemva kokuzalwa kwengane. Indlalifa uzothola ngenani eliphelele izimali zanqwabelana ngu kweminyaka engu-18.

Futhi Uhlelo umshwalense ethandwa "kanjani iholo." Iphuzu eliyinhloko ukuthi ikhasimende okhokhela imali inqobo nje uma engenzi uphume ukuphumula okufanele. ke izinkokhelo sebeqala kakade ukukwenza. umshwalense okunjalo ukonga kuyazuzisa ikakhulukazi abantu abasebenza ngokwethukela. Ukukhokhwa inkampani yomshuwalense kungaba kwalokho emangalisayo impesheni encane. Lapho edlulisa we ekuqongeleleni ngesikhathi isinyathelo isinxephezelo lemali izihlobo etholwe.

"VSK Insurance"

Lokhu ukusungulwa inikeza umshwalense isipho ukuphila. Esikhathini simo we izinkampani ngo-2016, ukuhlinzeka amasevisi endaweni Petersburg, inhlangano iwine kwasekuqaleni. Plus yokuthi zikwazi oVikelwe izakhamuzi Russian nje kuphela kodwa futhi nomfokazi lizwe. Ngokusho kohlelo yomshuwalense wokuphila kungenzeka oVikelwe kanye ingane omdala kunawe ezingu-12. isinxephezelo mali eyokhokhelwa endabeni isikhathi esibekiwe noma sokunakekela impilo iklayenti sika.

Ngesicelo kwesamba kwinkontileka kungenzeka eminye kufakwe isigaba eziphathelene nezempilo. Kulokhu, inani iminikelo njalo kuyoba ethe xaxa.

Endowment yomshwalense inkampani "FAC" has izici zayo siqu. Ikhasimende unethuba ukhethe usayizi imali yibhange. Lena inzuzo ngezimali. Yenkomba izindlela ivikeleke kahle kangaka ngokumelene kwamandla emali. Iminikelo ikhasimende okumele akhokhe wekota noma njalo ezinyangeni eziyisithupha ngesikhathi yonke umshwalense inkathi (iminyaka engu-5 kuya kwengu-20). Okuncane umshwalense lemali - ruble ayizigidi 150. Ungenza into e currency angaphandle (amadola noma euro).

Metlife

Isikhathi ngokwanele eside kwenziwa yomshwalense accumulative. izinkampani Isilinganiselwa endabeni yokukhokha iqashwe kufanele zifunde okungenani ube nesiqiniseko amaholo ngqo atholakale ekupheleni yesivumelwano. Akukhona ukuthi kumane kuqondane, amakhasimende amaningi anqume ukubambisana ezinkampanini zamazwe angaphandle. Omunye ethandwa kakhulu angaphandle izikhungo umshwalense kuyinto Metlife. Le nkampani usebenza emakethe iminyaka engaphezu kwengu-15. Amahhovisi nazo emazweni CIS.

Popular ukonga Uhlelo umshwalense ngokuthi "Zenzele Igama". Umzuzi kungaba kokubili omdala nengane. Ikhasimende ine ithuba lokukhetha isamba oVikelwe, okuzokwenza ihlukaniswe izingxenye alinganayo. iklayenti iminikelo ungenza njalo ngenyanga noma ngonyaka. Imali eqokelelwe ikhokhelwa ukuthi uma kwenzeka ukufa pholisi sika ekupheleni nenkathi yenkontileka.

"Zenzele Igama" Uhlelo - isisekelo eyizingqabavu zezimali elikuvumela ukuba balungiselele izenzakalo ezibaluleke esikhathini esizayo. Ukubala izindleko ezilinganiselwa umshwalense zingenziwa ngesikhathi sangempela on the website esemthethweni wokusebenza inkampani.

"VTB Insurance"

Inhlangano inikeza ezimvunayo yomshwalense accumulative. Esikhathini simo we izinkampani e 2015 inkampani langena phakathi kwabayishumi abaphasa ngamalengiso. It inikeza izinhlelo inzuzo izingane kanye nabantu abadala. Popular umkhiqizo "Reserve Isikhwama". Kakade lokukhokhela isitolimende sokuqala kwenza kube nokwenzeka ukukhulisa isizo leemali esimweni esiphuthumayo. Ngaphezu kwalokho, iklayenti ngamunye uyakwazi ukuthola 13% we utshalomali emuva ngesimo sentela ebanjwayo.

"Reserve Isikhwama" ikuvumela ukudala Noma kunalokhu kuvikeleka kwezomthetho ngoba lokonga imali. Iminikelo ikhokhwe yikhasimende ngaphansi inkontileka enkampanini yomshuwalense ayikwazi sihoxiswe enkantolo.

"Hlela Siqu" - olunye uhlelo umshwalense ukonga ethandwa. Ngosizo iklayenti ungakha amafa siqu, okuyinto iyokhokhwa ngosuku oluthile izinkokhelo njalo.

Indlela yokwenza izinqumo ezinhle?

ezuzisa ngempela kungaba yomshwalense ezuziwe. Izilinganiso, izibuyekezo ngazo - lolu lwazi kufanele zihlolwe ngaphambi kokuba alungise kwi isikhungo esithile. Kumele kukhunjulwe ukuthi inkontileka kuyodingeka ngemvume isikhathi eside. Oluthandwayo kufanele banikezwe izinkampani zomshuwalense ukuthi usebenze emakethe iminyaka engaphezu 10 iminyaka ukuba.

Qiniseka ukuba banake inhlokodolobha ogunyaziwe inhlangano ethile. Le nkampani njengomuntu onokwethenjelwa uma kuba angaphezu kwezigidi ezingu-200 ruble. Nakani izindleko ukukhulula yezimpahla isikhungo umshwalense. Lapho inkampani has impahla engokoqobo, ayanda pay.