Investment insurance products are ideal to use for most
savers to save his money and keep away from the dangers of the market.
Normally, if we want to get a good return on our savings
products need to hire that impose long delays, tying up our money for a
substantial amount of time. However, to obtain an attractive return is not
always necessary to tie ourselves to a long-term investment.
Spanish Insurers have new products that customers can save
with all the guarantees, enjoy a great interest within one year. We’re talking
about investment insurance, a more economical product that used to put their
money safe and keep away from market swings.
Characteristics of
investment insurance
Then we will discuss the main characteristics of investment
insurance policy. On the one hand, flexibility in contributions and in
saving money are the values that are taking advantage of banks and to promote
their products and thus, win more customers.
This is reflected in investment insurance to offer the
possibility to temporarily suspend payments, change the amount and timing of
the premiums for each semester, or total or partial disposal of accumulated
capital, besides being able to make extraordinary contributions at any time .
The distinguishing feature of the investment insurance is
that they allow one hand to make extraordinary contributions that fatten up the
investment and the ultimate benefit and, secondly, also allow you to withdraw
money before maturity: in general, after six months insurance for one year.
Curiosities
In recent years, the risk-free investment has gained
momentum in all areas as a result of the crisis. This fact was also felt in the
market for investment insurance, now focused on products with guaranteed
capital at the expense of offering low returns (between 2% and 5% APR). It is
also useful to know that since January 1, 1999, contributions are made to
secure savings and investment are not entitled to any deduction in income tax,
and benefits which are paid in case of survival or rescue is considered
fiscally investment income, which is 18% tax. However, while not release the
money not taxed.
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