The great advantages of contracting life insurance are:
- With life insurance , you insure yourself, your family and your loved ones. Upon occurrence of the insured event, the contracted amount is paid to the insurance beneficiary.
- At the end of the contracted duration of the insurance, you dispose of the entire amount, increased by the profit realized from the Company’s operations . The duration of the insurance can be from 2 to 30 years or more.
- Depending on your wishes, needs and possibilities, you can choose between 10 different Sava life insurance programs.
- Life insurance is not expensive. You can insure yourself for as little as a few hundred kuna per year. Of course, if you have contracted insurance with savings, the more you pay, the more you will save.
- Life insurance enables financial consistency and quality planning.
How much to set aside for the life insurance premium?
“Experiences from the USA and Western European countries, where the life insurance policy is the most sold policy, show that if we do not want the premium to become a burden in our daily life, the amount of the premium should not exceed 6% of the total annual income.
For example, if our total annual income is, for example, HRK 60,000, according to the above, it is recommended that the amount of the annual premium for life insurance does not exceed HRK 3,600 or HRK 300 per month. If there is an increase in annual income, we can increase the premium during the life of the insurance.” It is smarter to stick to your limits than to start out too ambitious. Step by step: like the Croatian football team on the way to the final.
How does investing in a life insurance policy with a savings component differ from saving in a bank?
The insurer expects that we will comply with the agreed duration of the insurance and that we will regularly pay our due insurance premiums. On the other hand, the insurer guarantees us through the insurance policy the insured amount for the experience; for death due to illness and for death due to accident. These guarantees do not exist in the case of bank savings. The bank pays out the savings deposit increased by the accrued interest on which tax is calculated. In other words, no tax is paid on a life insurance policy, unlike savings in a bank. If the premium was paid within a period of 3 years, the right to “relinquish insurance” is acquired with a refund of part of the paid premium.
Choosing the perfect life insurance for your needs
As we mentioned in the previous text: “In the Sava webshop or in agreement with our agents, you can choose between 10 life insurance programs created according to different needs and for different life periods in which you are.” You can read more about life insurance programs by clicking on this link .
For example, there is the program ZELENA JESEN : lifetime insurance in the event of death for people up to the age of 80, with a monthly premium starting at EUR 5.90. The KLASIKA program is also on offer : life insurance for death and survival which, in the event of the insured’s death due to an accident, pays the insured double the sum insured, with a minimum annual premium of EUR 240. Maybe flexible investment life insurance through the INVEST Program suits you better: life insurance in which the policyholder assumes the investment risk with the safety of the closest ones in the event of death and the possibility of achieving higher returns than classic life insurance programs. The great advantages of life insurance clearly show why this type of insurance is the best-selling policy in the USA and Western European countries.
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In addition to quality life insurance, additional health insurance Best doctors can literally save your life . Best Doctors gives you the right to a second expert opinion and treatment abroad in the amount of up to EUR 1,000,000.
It is important to note that as part of many life insurance programs, such as Klasika , Start , Bonus life or Risk , there is also the possibility of contracting supplementary insurance as a result of an unfortunate event (accident).
(You can read the previous text ” Life insurance – the best form of savings? ” by clicking on the attached link.)
Never alone in life with Sava insurance .
