Gold accumulation
Advantages of gold accumulation by life insurance
Ukrainian life insurance market increases its volume annually for more than 70% and this trend continues. In anticipation of the new law on Investment Insurance (unit-linked), issue of reserve management is becoming more acute.
After all, the company is important not just increase, but the quality of the whole complex of services it provides.
And, to date, management reserves life insurance companies – an issue that is relevant for two reasons: it characterizes the degree and level of professionalism of the company, the reliability and future development, and this gives her the opportunity to develop and promote their insurance products.
That’s how insurance companies can now manage the reserves – regulates insurance legislation of Ukraine (IC have quite a narrow field for investment), but of those assets that insurers can use, there are some interesting ones, which can be used quite effectively.
Why gold?
Life Insurance – Long-term investments and there are long-term reserves. And such an asset like gold has properties of reliability, liquidity, and it is stable against the backdrop of rising inflation.
If we analyze the change in the price of this metal in the last 8 years, its cost has increased almost 3-fold.
Gold – the one asset that allows a client to place its assets in the long term, and realize that in 10-20 years you can get an amount of 2-3 times greater than those from other assets.
Assets that can be used insurance company:
- Cash on current account;
- Bank deposits (deposits) and foreign currency deposits in accordance with insurance;
- Real estate, long-term financing (loans) housing;
- Stocks, bonds, mortgage certificates, securities, emitted by the state;
- Precious metals;
- Loans to policyholders, the citizens who contracted life insurance within the surrender value at the time of the loan secured by the redemption amount;
- Investments in Ukraine’s economy along the lines established by the Cabinet of Ministers of Ukraine.
Gold – this is the metal which has advantages for the client. Today, many banks have noted increasing demand and expected demand for a stable position until the end of the year.
With regard to the accumulation of gold through the instrument of life insurance is, in fact, buying endowment insurance policy, a person can secure the same gold deposit and risk protection.
But there are several advantages to the customer is in the accumulation of gold through an insurance mechanism:
- The client gets the gold at the rate of the NBU;
- There is no question as to keep the gold;
- There is a coating on the case;
- High investment returns;
- The customer can take advantage of tax benefits and has the additional refund amount
This tool investment gold by life insurance – today one of the most effective tools, if we consider such an asset to conserve their assets, like gold. And including this point in our program, we effectively manage the reserve and give the market the programs, which allow us to attract new customers.
Visit these: