The financial promoter is a salesman who will always try to give you as little information as possible. the more cloudy the water, the more it splashes around in it. For this I suggest you to write directly to the company at these addresses:
However, I believe that the reason for the loss lies in the early redemption. Index-linked policies, in fact, guarantee the nominal capital invested only at maturity while in the case of early repayment, unfortunately, the loss is the rule. A hug and remember that for anything I am here to help you.
A family friend who is ill, and is in and out of the hospital asked me if I want me to take out a life insurance policy. I state that the problem lies in the availability of a will which theoretically is almost zero. He told me to inquire and let him know.
Now, I’m not a top, but while some insurance companies ask for a medical examination, others don’t.
He has always helped me but never big numbers and I think his idea is to give me a gift before he dies.
Not all death insurance policies include a medical examination, it essentially depends on the insured capital. However, keep in mind that insuring a terminally ill person is equivalent to defrauding insurance and that it is not a correct gesture. A warm greeting.
Ah, well, if it’s a scam it’s basically not feasible. Can’t one therefore be assured that he will knowingly die? By chance you have some legal way to solve the general problem. Since the insurance is discarded?
Good evening Dr. Saver, unfortunately I only discovered this very interesting site today. I currently have a policy with INA at a mixed 07Set rate in which from 20-09-2007 4 installments per year of about € 760, of which € 79 for death risk. I ignore the dishonesty of the various sellers who have followed one another over time that made me renegotiate the first policy of 1996 with guaranteed interest at 6% for the first time in 2000 and the second and last time in 2007.
Now they would have offered me to invest part of the capital already present in the policy (equal to about € 5000 per year for 5 years) in a deductible investment. It seems like a rip-off to me and I would think of going into reduction with the current policy which expires in September 2025. What do you think?
Absolutely yes. If, by his own admission, the policies are expensive and inefficient products, why continue to underwrite them perhaps because it is a different person who proposes them? It is always about policies 🙂
Let the old contract go into reduction and don’t fall into the “trap” a second time. A warm greeting …
Hello, I was browsing through these sites because just yesterday my insurance company Carige, sending me the letter of payment of the installment, added a sheet with a new policy for those who have pets, home workers, minor children, if you play sports etc…. at a cost of 99 euros, with written that an operator would contact me for clarifications and explanations.
On the invitation it was also written that “you can also pay at the branch” but it does not indicate an obligation to do so.
But when I go to look at the amount I have to pay for my policy I see that cost added, or AMOUNT: 79.44 + 99.00 = 178.44 ……. written in pen …
But who said that I have to pay for something I don’t need, for which I haven’t signed up ???? can they do it ??
It may be that it is a “default” coverage for your policy and that it is activated unless you specifically request cancellation. Anyway, go straight to the branch and ask for that cover you don’t need to be removed. It is useless to pay for a service that you don’t use, don’t you think?