And already, in times of crisis also make sure the super rich.
Reading the articles in the national press (newspapers and magazines specialized) there are interesting data from a recent survey Aipb (Italian Private Banking Association) where it is noted that the rich families are mainly focused on insurance protection to preserve their Assets (translated into Italian: Me).
Are defined high net-worth individuals, (HNWIs) ie wealthy individuals with assets, excluding real estate, more than five hundred thousand euro.
So then in 2012 increased the percentage of the insurance component in their portfolios.
So what are the policies underwritten?
With a slogan you could say “health first!”. In fact, Aipb the data tell us that 80% of the sample of households surveyed has signed a health insurance (to have a capital available for the serious permanent disability from illness and / or injury, reimbursement of medical expenses, the per diem allowance, major surgery, etc.), loss of self- (to have an income and / or services available to ease the burden on the family fortune in the event of loss of three of the six basic activities of daily living), temporanea death case (to have a capital to leave to heirs, especially in the presence of debt).
Staying on the theme of protecting the other two tools at their disposal are the trust (da Wikipedia: Legal institution that allows you to segregate the assets in favor of certain beneficiaries or in specific cases such as the succession) and the capital fund family (da Wikipedia: Legal institution useful to the defense of property, especially property, from any creditors).
Both still little used in our country, where, however, the fund is used more, respect to the trust which is more expensive and therefore dedicated predominantly to high net worth individuals (it comes to values greater than fifty million euro).
Alex Gaetani
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