With over one million two hundred thousand Euros of deposits, life insurance is the first solution other than savings in financial terms.

Tax benefits, exemption from inheritance and savings available through the remaining over’s, while offering superior performance to booklets regulated, it needs no more to explain its current success.

Open to any children to prepare an attractive return on savings, life insurance also makes it possible to prepare for retirement or to accumulate savings for a project.

Today, its subscription can be made from either a traditional banker, or via the new financial institutions newly arrived on the Internet. The difficulty then lies in the choice of contract, compared in terms of yields, costs, but also the proposed investments.

This choice is especially important if it can hold multiple contracts, it is nevertheless impossible to transfer from one institution to another.

The comparison of the costs in life insurance

Until recently, only traditional institutions offered such savings contract. The returns are guaranteed, but the cost and many times higher. Data that has changed somewhat with the arrival of new players in this highly competitive sector: insurers online. Lower costs, benefits from the payments … do then are comparing to making an informed choice.

First costs charged by all management fees. Generally between 0.6% and 1%, they are based on media choices made and traditionally collected on the total amount of capital invested, this year. When comparing the performance of each player, these fees are generally considered to indicate average net performance.

Other fees charged by professionals, the costs of arbitration. They concern the change of support within the same contract and are only applied to multichannel. The cost averages between 0.25 and 1% of capital. More and more institutions, including the Internet, however, offer free of arbitration each year, allowing for substantial savings, especially for small savers.

Three other charges were also taken, including entrance fees. They are on average between 2 and 3% of capital. They are also negotiable and not charged by most online banks. These apply the same policy regarding fees on periodic payments, becoming non-existent. They are, however, always taken from traditional institutions.

Finally, during the takeover of contract fees may be levied, according to the insurer.

So many samples to analyze well before making his choice not only because the yield but also the experience of establishing life personal insurance are also good indicators.

Different types of contracts

Several types of contracts are, in turn, available on the market for life insurance, as the vehicles offered. Offers that are also the same, whether online or in physical branch, only the services offered and fees vary.

Thus, two separate contracts are proposed, the group contract and individual contract necessitating a good look at the designation of life insurance before signing.

The individual contract is concluded directly between the insurer and the insured. The terms are so clearly stated, and especially, can not change once the contract is signed. These life insurance policies are now the most frequently proposed.

Collective agreements, for their part, entered into between the insurer and a corporation, often an association, which adheres to the insured. The contract changes are possible, but only views from the establishment banker and underwriter, the insured had, therefore, no power of decision. Any contract amendment is passed to three months before its implementation. If he refuses, then his contract is closed. However, many insurers on the Internet are now published in the contract a clause providing that no changes will be made.

Once the type of contract done, then comes that of the support. Indeed, life insurance is three distinct types, each corresponding to an investor profile. The first is that the other funds in Euros. This has the advantage of guaranteeing the savings of its holders. However, gains are themselves moderates.

Alternatively, the contract MPT. The latter consists of both euro funds and unit of account, often shares or property values. Everyone can then distribute its capital to its convenience, by measuring the risks taken. Indeed, investments in shares are themselves not guaranteed and are dependent on the evolution of the award. They can drive from one side to a high yield, but also to losses of capital that each subscriber must be aware of. Trade-offs can then be made at any time. Since 2005, the amendment now allows Foregoes transfer, with the same insurer, the account funds in euro contract MPT, without loss of accrued since the inception of the contract, usually without fees charged by financial institutions.

Finally, the last service and support, the units of account. These funds or investment vehicles offer the highest returns but also greater risks. Mutual funds, mutual funds, real estate companies do not actually guarantee any results. It is often advisable to combine those investments to insurance guaranteeing a minimum return of capital payments to beneficiaries when the insured dies.

Choosing life insurance

In all cases, it is best to choose according to their life insurance risks that we accept to take. Indeed, if the objective is to invest capital for a project or retirement, risk-taking will be calculated.

Similarly, it is unnecessary to turn to a contract offering more than 500 fund if the investment required is moderate.

Finally, it is also often recommended to spread the risk by opening several contracts in different locations.

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