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Assicurazioni vita

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Assicurazioni vita

  1. 1. Assicurazioni Vita Guida scritta da SuperMoney (www.supermoney.eu), confronta le migliori offerte di assicurazioni, mutui, prestiti, conti correnti, energia e telefonia
  2. 2. Cosa sono le assicurazioni vita e perché vengono scelte? • Contratto fra la compagnia di assicurazioni Genialloyd, Zurich, Linear etc. e consumatore • Risarcimento al beneficiario in caso di evento negativo durante la vita dell'assicurato • Coinvolge 4 soggetti: compagnia, contraente (chi sottoscrive il contratto e paga il premio), assicurato (la persona sulla cui vita è stipulata la polizza) e beneficiario (chi incasserà il risarcimento) • Prodotti sempre più legati ad altri prodotti "vincolanti" come i mutui • Forma di risparmio alternativa ai titoli di Stato troppo "ballerini" • Non tutte le polizze sono adatte a tutti, per questo conviene comparare le compagnie assicurative per trovare le assicurazioni più convenienti
  3. 3. Tipi di polizza vita: la polizza caso morte • Polizza caso morte. Indennizzo al beneficiario dopo la morte dell'assicurato. “A vita intera” (rimborso indipendente dalla data di morte), o “temporanea” (rimborso solo se la morte avviene mentre il contratto è ancora in corso). • Polizza caso vita. Garantisce una rendita al beneficiario ancora in vita. Alternativa ai fondi pensione. • Polizza caso morte Durata: finché resta in vita l'assicurato Maturazione interessi: meglio non scegliere le polizze “index linked”, il cui rendimento è legato all'andamento di indici finanziari Perdita somme versate: verificare condizioni contrattuali delle agenzie assicurative Zurich, Linear etc. per recesso anticipato • Polizza caso morte temporanea (associata ai mutui) Durata: la stessa del mutuo Maturazione interessi: per costare meno, pagare l'intero premio all'inizio del finanziamento Perdita somme versate
  4. 4. Polizza caso vita • Intestati a se stessi, come fondo pensione, oppure anche ad altri beneficiari • Importante stabilire il capitale assicurato: reddito annuo netto moltiplicato per il numero di anni di autosufficienza che vogliamo garantirci • Riscossione: in un'unica tranche al termine del contratto oppure riscossione mensile come una rendita da sommare alla normale pensione • L'eventuale riscossione anticipata provoca la perdita di grossa parte del capitale assicurato • Cambiare la durata è possibile, ma dipende da ciò che è scritto nel contratto delle compagnie assicurative come Linear, Genertel, Generali, etc. Non è possibile se over75.
  5. 5. Polizza come investimento (se non ho un mutuo), mi conviene? • Dipende dalla condizione di salute e dalla propensione al rischio. • Se non si sta bene sì, così come per guadagni anche bassi purché sicuri. • Valutare anche altre ipotesi di investimento o alle coperture assicurative di Linear, Generali Assicurazioni etc. Ad esempio i Titoli di Stato, che hanno rendimenti maggiori. • Il Governo Letta ha dimezzato le detrazioni fiscali sulle polizze vita per garantire copertura al decreto Imu (2 mld di euro di gettito previsto in 3 anni).
  6. 6. Polizza legata al mutuo • Conviene a chi compra casa con un finanziamento: è una forma di protezione. • Il consumatore può accendere il mutuo con una banca e associare la polizza di un altro istituto o compagnia assicurativa come Generali Assicurazioni, Quixa, Tua Assicurazioni, etc. • Si può trattare l'importo? No: ma vedendo un consumatore più informato accetteranno di concedere condizioni migliori. • Conviene una polizza con capitale assicurato decrescente, ovvero con indennizzo finale che si riduce man mano che mi avvicino alla completa restituzione del finanziamento.

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