Many wonder how it can be possible that there are life insurance policies which may be adjusted, that although the results arising from the purchase of government bonds, etc. - which in recent years net of fees and taxes in some cases make it close to zero (see BOT – January 2010) – to recognize the gross returns to policyholders 3% to over 5%.
And 'soon explained, these are policies that are attached to separate management structures that were created since then have bought government bonds, government bonds and other instruments, purchases made in the years when the returns on these instruments were double-digit (BTP 80s for example) which remained at historical cost (assets are valued at purchase) enable separate management of today recognize the returns on these.
In addition, some of these policies provide a guaranteed minimum return equal to today 2%, but in the policies to get older 4%, while the results are consolidated and finally acquired.
With un'avvertenza:
be well to explain how much the costs and boots and take delivery of the custom project, suggests that what happens to maturity of the policy with the guaranteed minimum return, and above all what is the surrender value in the event of withdrawal in the early.
The following segregated funds that have made more in the 2009 (Source: Companies sites):
Separate Management Company Gross yield 2009
Ally guaranteed Alliance 5,37%
Euro Strong Re Ina Assitalia 5,07%
Minervir Zurich 5,02%
Alex Gaetani