Why to insure life?

Most important for a man this his own life and health. For that in what that to secure itself a measure and near from an accident a man makes decision to insure itself or near. Insurance can be executed in case of illness, receipt of trauma or death.

All people are death, as it does not sound terrible. Many people it so much worries, and in order that to the near people though as that to keep going, they insure the life. In the cases of death, relatives get the certain sum of money.

Certainly, death it is an extreme case that can happen with insure. Many people insure the children in order that to accumulate money on their full age. On the achievement of child 18 summer age the accumulated money it is possible to take off and give to it adult to the child.

Loss of ability to work too one of types of insurance. If a man works at dangerous work, and the fact of traumatism is great, he insures itself against an accident, if such comes, a man gets some time indemnifications from an insurance company

Life-insurance can be divided by three kinds:
 1. story insurance, it is a type of bank deposit practically. A man pays the certain sum of insurance payment in a year. If on expiration of set time an accident insured did not come, a sum is paid insure exceeding primary on 3 or 5%.

2. risk insurance without accumulation, payment produced in case that an accident insured came. If for a year such case fixed it was not, money burned, and insure gets nothing. It one of the cheapest types of life-insurance.

3. kipp insurance, paid in any the cases, even if an accident insured did not come. Id est you assuredly will get the money back in any the cases.

Is insurance of credit a necessity or additional service of banks?

A man that though one time designed a credit certainly ran into additional life-insurance. Whether this insurance is needed to the borrower or it is additional earnings of banks and insurance companies only.

Two types of insurance differentiate at registration of credit : loss of workplace in the period of payment of credit and death of borrower. If the first kind has more or less adequate sense yet, then the second kind probably the superfluous knocking out of monetary resources for a borrower. At losses of workplace an insurance company will be able to recover not all sum of credit, and just 50 or 90% sums of credit.

In respect of mortgage insurance, then,in obedience to a legislation, will be to insure the object of the real estate in any the cases. This one of basic terms of all banks. Jars give a few insurance companies at choice, which one to give preference to decide it will be had. It is better to honour reviews about every insurance company, before to take your choice. And insurances at other types of credit a for example consumer or credit auto, takes place at discretion of citizen. In this case a rate on a credit and overpayment increase in times, that to result accordingly in a rise in prices of credit.

On the average on Russia an overpayment for the fact of presence of insurance makes about 10 %. Some bank employees do not ask citizens about that, whether they need in this insurance or no. And simply напросто independently inscribe insurance without the privity of borrower. Such actions are not legal. To avoid such misunderstanding turn the attention on a credit agreement, ask specialists concerning these types of insurance. Remember that imposing of additional insurance they do not have right, if it is a not mortgage.

Mortgage insurance

At the purchase of apartment in a mortgage, a bank obligates a borrower also to conclude a treaty of mortgage insurance with some insurance company. Formally, you are free to choose insurance organization coming from the preferences, but in practice, a bank is given at choice by a list from a few insurance companies with that to the bank more comfortable to cooperate.

For the conclusion of treaty of mortgage insurance, it is required to present documents the list of that is formed by a bank and insurance company. In addition, evaluation examination of the again acquired property is conducted without fail. On the special requirements of bank and insurance company medical examination of the state of health of borrower and third persons(guarantors) can be required.

Complex mortgage insurance, as a rule, consists of three insurance foods, namely:

it is Insurance of ability to work and life of borrower. Insurance indemnification is paid in cases to disability(both temporal and permanent), disability, death of borrower. In case of disability of 1-2 groups or death, an insurer undertakes responsibility on payment of mortgage loan
it is property Insurance from destruction and death. By accidents insured on this policy the damages of the real estate will be considered from a fire, flood, other negative natural factors.

Also insurance indemnification will be paid in case of actions of another persons entailing the complete, or partial damages of your accommodation.

- Taking into account prevalence of different knavish charts, there is yet and the title insurance sent to defence of property interests. Forfeiting of property confesses an accident insured right on an accommodation as a result of illegal actions of salesman or person building

Types of insurance

Social INSURANCE
 Presently there are many various types of services at the market of insurance. Such kind as social security exudes between them. It implies under itself forming of money funds for maintenance of the disabled persons not accepting, on  that to reason of participating in a labour process. Assists development of smoothing of standard of life of different task forces. Finances maintenance temporally of unemployed persons, and similarly their  and medical service.

Medical insurance
 Medical insurance protects in case of loss of health from any reason. It is related to indemnification of all charges of citizens, at the receipt of medicare and prophylaxis of health in ambulatory terms; by acquisition of different medications; providing of stomatological help at dental  and other, no less expense measures.

Property insurance.
There is a great number of types of property insurance, such as agricultural pluggings in itself animals and with/Х of culture. Transport property insurance(different loads, aerotechics, river and marine ships). Insurance of legal and physical foxes. Motor transport, state and non-state enterprises. Presently many insurance companies extend the spectrum of objects of insurance : monuments, insurance of domestic animals and apartments.

Insurance of risks
 Insurance of risks plugs in itself productive, building, financial and commercial . All of them have a limit scale of application, because related to the large risk for an insurer.

Personal insurance
Personal insurance on the stage below social and divided by two types of helping it: life-insurance and ensuring against accidents.