The new generation of life insurance adds to the protection a more than attractive variable:
performance
How they work, their tax advantages and the ten main reasons why they are becoming a financial tool for protection and capitalization, with options tailored to each budget.
1 First of all, with life insurance intangible proteges, which are the most valuable: the tranquility of your family or of who you designate as a beneficiary so that they are not affected from the economic point of view if something happens to you, and also your own peace of mind in case you suffer unforeseen events such as illness or accident.
2 You can hire in pesos or dollars. Today, that investments in dollars yield almost nothing in the local market, in Sancor Seguros you have a guaranteed minimum of 2% per year, and you capture the higher rates generated by a large investor. In pesos, the minimum guaranteed yield is 4% per year.
3 The investment that you channel through these insurances is not reached by Personal Assets. Unlike what happens if you invest directly in a fund, you don't even have to name it in your statement; Who pays is the insurance company. On the other hand, insurance compensation is unattachable.
4 These tools are flexible, tailored to your economic possibilities. In the life-saving insurance of Sancor Seguros, for example, you can choose two compensation options: the sum insured + the balance of your account; and the insured amount or 110% of your account balance, whichever is greater.
5 The coverage can be extended at any time, to protect you against different eventualities.
6 You can request partial withdrawals: that's why these components of savings and investment are so attractive, not only depending on the time of retirement, but if you think about a project like making a great trip, remodeling a house, etc.
7 Every time you have extra money, you have the possibility of making extraordinary contributions to increase your savings.
8 You can deduct your life insurance from income tax. The update at the beginning of this fiscal year led to 12 thousand pesos of annual deduction for “pure” life insurance, and if you have a mixed one (savings or investment), there are another 12 thousand more.
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