What determines the development prospects of accident insurance

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Please note that the above is the ideal situation. In real life, the situation may differ. This is due to the income generation strategy chosen by a specific insurance company. Read also Earn money by selling the course “The profession of an insurance agent” Is the insured allowed to choose where to invest? In many insurance companies, the client has the right to choose where exactly he wants to invest funds.

Some insurers allow changing the investment strategy no more than once a year. Find out more about this before signing the contract. If the insurance company representative rcs data does not tell you about something, do not delay. Ask him the questions you are interested in yourself. As a rule, the insurance company itself is interested in making a profit.


Therefore, it tries not to invest all the money in high-risk instruments. They can generate income in the short term. But the opposite can also happen. Therefore, it is customary to use products with an average risk level for investment. Or combine them with low- and high-risk instruments. More often, the insurance company buys shares of large companies, bonds, and precious metals. The insurer directs part of the funds to riskier and more profitable products. For example, futures. And part is left in conditional OFZs with a fixed profit, "to be sure." This is where the main feature of the ILI comes from. You can get a good return, which exceeds the interest on a bank deposit.