GUIDA AL RISPARMIO – Risparmiare su Bollette, Insurance, Home… -: Save and live a more peaceful life
I wrote a few articles on the topic. Therefore, mi viene facile segnalare gli incontri che l’IVASS e le Associazioni dei Consumatori, portano avanti ormai da alcuni anni.
L’ultimo incontro, si è tenuto lo scorso 3 February and it has been focused on composite life insurance policies. Sono quelle polizze, che combinano le vita tradizionali (with financial guarantee by the company) and unit-linked policies (in which the investment risk remains charged to the insured). In una recente intervista, il Presidente Rossi li ha definiti “products not easy to understand for the customer who may not be fully aware of assuming part of the risk”. The result of the last meeting is a list of six tips, with the stated aim of the parties, to deepen the knowledge of these products in order to prevent situations detrimental to consumers.
The word is: Caution!
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to the information pre, taking the time to read well, to home, guidance documents and by not purchasing a product referred to were not included mechanisms;
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the risks, well considering the level of risk you are willing to take. The investment in the financial component (unit linked) Indeed, is not guaranteed by the insurance and investment risk is payable by;
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the words, in the information package it is sometimes used terms such as "principal protected", "Protection" to the 90%, etc.. which seem to indicate that the company is committed to pay back the capital, all or part of. This is because the terms used only indicate the goal of financial management and not an effective guarantee;
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Questions for the "profiling" of the customer, useful all'accertarsi that the product is suitable. It's up to the customer to the intermediary to ask you that lead to the classification of the latter as a person with "risk appetite: low, media, high, etc..
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to costs, useful to understand what will be the annual profitability, overcoming the percentage of applied cost, will gain a profit.
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Transfers of funds during the contract, andando a verificare se sono previsti meccanismi di riallocazione del capitale tra le diverse componenti (secured and) during the term of the contract, performed automatically by Company.
Alex Gaetani