http___www.kredit-zajam.com_zivotno_osiguranje.aspx_1.xml
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When it comes to life insurance, it’s important to know the proper coverage amount that is required to take care of your family. Ideally, you want an amount that would take care of your kids until they become adults. Most people are confused when it comes to the different types of life insurance. Let me explain below. Term Life Insurance Term life insurance is the simplest form of life insurance. Basically, you pay a fixed payment for a certain period of time (the term). If the insured individual dies during the term, the death benefit is paid. Term life insurance is also the least expensive and most common form of life insurance. Whole Life Insurance This type of life insurance covers an individual for the rest of their life. However, premiums must be paid every year for the policy to stay in effect. This type of policy is often sold as an investment. The insurance company shares excess profits with the insured. This is often a type of life insurance that sales agents push onto unsuspecting clients who are not educated in the different types of life insurance. Universal Life Universal life insurance is a type of permanent (whole) life insurance. It is similar to whole life insurance in that the excess premium payments over the cost of insurance is credited as cash value to the policy. Watch out, as this type of policy is often sold to unknowing customers as a type of investment. If you are looking to get basic coverage to protect your family, you need term life insurance. There are many ways to get term life coverage. There is even a form called simplified issue life insurance that allows you to purchase a policy without having to take the medical exam. This type is often referred to as no exam life insurance.
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Životno osiguranje Kod životnog osiguranja je osigurani slučaj smrt osiguranika odnosno premija se isplaćuje u slučaju smrti osiguranika. Takve police osiguranja nemaju komponentu štednje i kao takve nisu zanimljive kao osiguranje otplate kredita. Kao osiguranje otplate se koristi tzv. mješovito životno osiguranje. Takvo osiguranje je ujedno i štednja. U slučaju smrti osigurane osobe u vrijeme osiguranja osigurane osobe korisniku police se isplaćuje dogovorena osigurana svota za slučaj smrti zajedno sa pripisanim dobicima. Ukoliko je osigurana osoba doživila istek osiguranja, isplaćuje se dogovorena osigurana svota za istek osiguranja sa pripisanim dobicima. Bitno je napomenuti da se ovdje radi o dvije osigurane svote, jedna je za slučaj smrt u osiguranom periodu, a druga za slučaj "doživljenja" osiguranog perioda. Životna osiguranja ne donose veliku dobit jer se ipak prvenstveno radi o osiguranju života, a tek sporedno o štednji. Prilikom sklapanja životnog osiguranja treba vrlo pažljivo pročitati sve što piše u ugovoru, a posebno ono napisano sitnim slovima. Tamo obično piše da se kod prekida osiguranja u roku do 3 (ili više) godina ne dobije ništa, odnosno da se tek nakon 15 ili više godina može dobiti natrag uplaćena svota. Sa životnim osiguranjem oprezno, životno osiguranje se sklapa na dug rok.