Endowment upenyu inishuwarenzi: ari kureva kuti makambani kuRussia uye kunze

Hapana anogona kuva nechivimbo mune ramangwana. Kunyange vaya nokungwarira anoronga upenyu hwake, hazvina kusiya chirwere, njodzi, kuparwa kwemhosva, uye zvichingodaro. On. Asi pane nzira here yokuva nechokwadi chokuti mashoko zvakanaka mhuri. Uyai vabatsirwe Endowment upenyu inishuwarenzi yacho. Rating Makambani kupa basa yakadaro, zvichakurukurwa pazasi.

Chii chinonzi Endowment inishuwarenzi?

chirongwa inishuwarenzi hunopa mukana ndiponese vamwe mari kwemakore mashoma. The yeGmail.END_STRONG inozviita kubhadhara pamwedzi kana zvegore kubhadhara. Panguva iyoyo boka inishuwarenzi vanosungirwa kubhadhara imwe mari kana insured chiitiko kana pakapera kondirakiti.

Kunze mune zvakawanda kukura inishuwarenzi youpenyu. Rating Makambani kunze pagore muzadze sangano idzva vaduku, kupa kuti makava zvakawanda zvakanaka mashoko. Vatengi haagoni kuzviponesa chete mari, asi muwande navo. inishuwarenzi Endowment rinoratidza mukana kuunganidza guta, pamwe upenyu inishuwarenzi uye utano ari nemhosva. Usati waita chibvumirano chakadaro, zvinokosha kuongorora vaitaura makambani siyana.

"Renaissance Life"

Inishuwarenzi kambani anoshanda ari pamusika kwenguva refu uye vakakwanisa kuhwina vavimbe vagari. Uyu ndiwo mumwe makambani okutanga Russian kuti akatanga kupa inishuwarenzi Endowment upenyu. Rating Makambani kupa basa rakadaro, "Renaissance Life" anotanga netsaona. Mutengi ane mukana wokusarudza currency iri kuti makava. Zvingava rubles, madhora uye euros. The nemhosva kunogona kuva mugari wenyika Russian Federation kubva 18 kusvika 55 makore. Panoperera kondirakiti mutengi ngaarege kuva makore anopfuura 65.

Unogona kusarudza inishuwarenzi izwi (kunonyanyisa - makore 10). Pakazopera kondirakiti yacho yeGmail.END_STRONG akabhadhara yose chitsama mipiro kubatsira 40%. Kana rufu nemhosva-akabhadhara mari vari vakadzokera munhu anoyamurika. Mari yose mubayiro vanhu vari anodzivirirwa mitengo. Saka, mumwe anopiwa mukana kuronga ramangwana ravo zvemari.

"ASCO"

Zvinonzi kuva pose tinofanira kugara upenyu inishuwarenzi dzakakurumbira. Rating mapoka Kazakhstan chinotanga Organization "ASKO". Kuti inishuwarenzi upenyu uye utano uye panguva imwe chete -wedzera imwe mari mari anogona kuva chero mukuru mugari wenyika yacho. mutemo mutengo rinowanikwa nomumwe uye zvinoenderana uwandu kuti yeGmail.END_STRONG anoda kuguma chesungano.

Shandisa nokuti ngaakuitirei munhu munguva chaiyo. Panguva iyoyowo, kuitira kuti mutemo, kwete kubva paimba. zvinyorwa zvose zvakafanira vacharwirwa neposvo. Vatengi Avo vachiri kuuya kuhofisi pachavo vanogona kugamuchira dhisikaundi 15% pa mukuvhara.

"Alfa Insurance Life"

Ipa chivimbo mune ramangwana accumulative upenyu inishuwarenzi. Rating Makambani anoramba "Alfa Insurance Life." Chirongwa, izvo sezvinoreva kambani, haangaoni chete kuponesa inodiwa mari kune mumwe musi, asi achava kudzivirira zvinhu iri zvinoitirwawo pokufa nemhosva kana kurasikirwa kugona kwavo kushanda. Munguva inishuwarenzi nyaya zvizere mari hama.

Mari chirongwa zvizere kudzivirirwa mitero. Kusvikira kudzoka mari nemhosva vose zvipo imi kuti vanonzi pfuma wekambani yacho inishuwarenzi. Saka, mashoko mitoro kuti hurumende vari zvachose vasipo. A yeGmail.END_STRONG yekambani inishuwarenzi yakazarukira chero mukuru mugari wenyika Russian Federation haasi mukuru kupfuura nemakore 55. Pakazopera kondirakiti yacho policyholder anogamuchira zvakakwana mipiro kusvika remuneration 17%.

"Rosgosstrakh Life"

Institution anopawo zvakanaka Endowment upenyu inishuwarenzi a. Muna 2016, kuti zvinzvimbo makambani "Rosgosstrakh" Zvakatora rimwe regondobwe akakwirira. Chirongwa, chakabayirwa nesangano, ane zvakawanda zvakanaka. The nemhosva uye nemhuri yake vanogona kuwana kudzivirira zvemari mune zvashata ezvinhu (rufu insured, kurwara, tsaona). Uyezve, zvinoita kuti vaunze Vanosarudzwa nemari kuti zvidzidzo, pakuunganidza zvivako kana motokari. Inishuwarenzi chirongwa kunoita nounyanzvi kuronga mari. Gore negore indexed akaunganidza mari, izvo zvinobatsira kuvadzivirira mitengo.

Ndingaita sei kuswedera tinofanira kugara upenyu inishuwarenzi munhu? Rating Makambani zvinosanganisira masangano izvo tinogona kugumisa nechibvumirano vakavimbika ezvinhu. Kana tikafunga kuti "Rosgosstrakh Life," kuti anogona kuva nemhosva dzose mukuru mugari wenyika Russian Federation haasi mukuru kupfuura makore 70. chibvumirano nguva 5 kusvika 22 makore. Panguva iyo kutengeserana mutengi ane mukana kusarudza chimiro muripo vachibhadhara inishuwarenzi - pamwedzi, Quarterly kana pagore. Pamugumo kondirakiti yacho policyholder anogamuchira dzosera mari kuti mubayiro anosvika 10%.

"Russian Standard Insurance"

Institution inopa nzira dzakasiyana-siyana zvirongwa inishuwarenzi, kusanganisira Endowment upenyu inishuwarenzi yacho. Rating Makambani mu Russia yava akawedzera sangano netsaona. The chibvumirano chinoguma kambani yacho inishuwarenzi, anogona kuva chakanakisisa nzira ndokuchiisa. Mari maererano nemhosva, vanodzivirirwa pamusoro mitengo. Izvi zvinoreva kuti yeGmail.END_STRONG anogona kuva nechokwadi chokuti mari haangavi chete vachengetedzwe, asi rikawanda. Mukuwedzera, policyholder achagamuchira mubhadharo iri huye tsaona kana chirwere.

Client Company "Russian Standard Insurance" yakazarukira chero mugari wenyika Russian Federation uyo kuenzana makore 18. Kuti kugumisa chibvumirano zvinogoneka chero kuhofisi pakagadzwa. Nokufamba kwenguva chaiyo unogona anoshandawo chokuwana mutemo inishuwarenzi youpenyu. Rating makambani inishuwarenzi kunyanya unotora masangano kuti vane rokushandisa-ushamwari padandemutande pfuma kuti vatengi. Vatengi "Russian Standard" anogona chero nguva danda yenyu paIndaneti nhoroondo uye kunatsurudza mashoko nemari.

"Sberbank rweinishuwarenzi"

"Mari Bank" - ari kutsvaka-pashure kupfuura sangano zvemari muRussia. Rinopa sangano uye Endowment upenyu inishuwarenzi. Ratings sangano kukasawedzerwa nokuti rakanyatsojeka zvakanaka Pakuurayiwa kutengeserana. Zvinonzi zvakare aronga dzakawanda zvirongwa mari inishuwarenzi. "Capital First" - chigadzirwa kunosanganisira kuunganidza zvinhu kuti vana vakura. The kutengeserana unogona kuurayiwa pakarepo pashure kuberekwa kwemwana. The mugari wenhaka achawana zvizere uwandu mari vaunganidza ne makore 18.

Uyewo chirongwa dzakakurumbira inishuwarenzi "sei muhoro." Chinonyanya kukosha ndechokuti mutengi unoripa Tangai bedzi anobva zvakakodzera zororo. zvino mari vava kutanga kuzviita. mari inishuwarenzi kwakadaro kunyanya kunobatsira vanhu vanoshanda kurongwa. Kubhadhara kambani yeinishuwarenzi kunogona kuva zvinoshamisa kuwedzera chiduku mudyandigere. Kana kupfuura ari kuunganidza panguva danho muripo mari yapihwa hama.

"VSK Insurance"

kutangwa ichi anopawo inishuwarenzi Endowment upenyu. Mune zvinzvimbo zviri makambani muna 2016, ichipa rubatsiro munharaunda St. Petersburg, sangano yakahwina nzvimbo yokutanga. Plus yokuti vanogona insured kwete chete vagari Russian asiwo vatorwa vaigara munyika. Maererano purogiramu inishuwarenzi youpenyu anogona insured uye mwana mukuru pane mwedzi 12. muripo muripo anofanira kuitwa panyaya yakati kumwedzi kana kuti kutarisira zviri yeGmail.END_STRONG upenyu.

Panguva chikumbiro of insured vari chibvumirano vangaitazve zvaisanganisira ndima chokuita noutano. Panyaya iyi, uwandu dzose mipiro zvichava zvishoma kwirirei.

Endowment upenyu inishuwarenzi kubva kambani "FAC" ine maitiro ayo. Mutengi ane mukana wokusarudza ukuru unovimbisa mari. Uyu kunobatsira inivhesitimendi. Indexing zvinoreva zvokuti zvakanaka anodzivirirwa mitengo. Mipiro mutengi anofanira kubhadhara Quarterly kana ose mwedzi mitanhatu panguva inishuwarenzi rose (5 kusvika 20 years). Shoma inishuwarenzi mari - 150 zviuru rubles. Unogona kuita zvakawanda mune dzimwe mari (madhora kana euros).

Metlife

Kwenguva zvakakwana yakareba anoitwa upenyu inishuwarenzi accumulative. Rating Makambani mu kuripwa rendi vanofanira kudzidza kanenge nechokwadi chaiwo remuneration yakagamuchirwa pakazopera kondirakiti. Haasi masanga, vatengi vazhinji vanosarudza pamwe nemakambani dzavatorwa. Chimwe chezvinhu mukurumbira wokumwe inishuwarenzi masangano ari Metlife. The kambani unoshanda kumusika kwemakore anopfuura 15. Offices ndiwo ari Kishi munyika.

Popular mari inishuwarenzi chirongwa inonzi "Prestige". The munhu anoyamurika ingava mukuru uye mwana. Mutengi ane mukana wokusarudza Verengai insured, izvo vachapesana kupinda zvakaenzana nhengo. yeGmail.END_STRONG Mipiro anogona kuita pamwedzi kana pagore. The vaunganidza mari iri inobhadharwa mungava zvinoitirwawo policyholder afa kuguma chibvumirano nguva.

"Prestige" purogiramu - munhu akasimba nemari hwaro unokubvumira kugadzirira zviitiko zvinokosha mune ramangwana. The kukarukureta of inofungidzirwa mutengo inishuwarenzi inogona kuitwa munguva chaiyo iri pamutemo Website hwokushanda kambani.

"VTB Insurance"

The sangano anopawo zvakanaka mashoko upenyu inishuwarenzi accumulative. Mune zvinzvimbo zviri makambani muna 2015 boka vakapinda pamusoro gumi. Rinopa zvinobatsira zvirongwa vana uye vakuru. Popular chigadzirwa "Reserve Fund". Nechekare muripo wokutanga runoita kuti maximize rubatsiro rwemari panjodzi. Uyezve, mumwe nomumwe yeGmail.END_STRONG anokwanisa kugamuchira 13% of mubhizimisi shure muchimiro yomutero yaanobhadhara.

"Reserve Fund" kunoita kuti pave kudzivirira nomutemo nemari zvemari. Mipiro inobhadharwa mutengi pasi chibvumirano kambani yacho inishuwarenzi haagoni kutorwa nedare.

"Personal Plan" - imwe purogiramu mari inishuwarenzi dzakakurumbira. Tichibatsirwa ari yeGmail.END_STRONG anogona kusika munhu yesangano, izvo zvichaita ngaitorwe mumwe musi dzose kubhadhara.

Sei vasarudze zvakanaka?

Zvechokwadi zvinobatsira zvinogona tinofanira kugara upenyu inishuwarenzi a. Ratings, wongororo nezvazvo - ruzivo urwu inofanira kudzidzwa asati agadzirisa chimwe sangano. Zvinofanira kurangarirwa kuti chibvumirano vachava kusaina refu. Sarudzo dzinofanira kupiwa Makambani inishuwarenzi kuti ushande pamisika kwemakore anopfuura 10 makore.

Iva nechokwadi kuti kuteerera guru mvumo imwe sangano. The kambani anonzi akavimbika kana anopfuura mamiriyoni 200 rubles. Zvichenjererei mari uye kuti asunungure yesangano raJehovha urongwa inishuwarenzi. The zvakawanda kambani ine zvokunyama, dzakanga muripo.