Accredited VTB insurance companies for mortgages

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Comparison of ILI with other investment instruments The ILI policy cannot be called a full-fledged investment instrument. Whatever one may say, it is insurance. First of all, it performs the function of insurance. Therefore, it is initially purchased by people who need to protect themselves from damage.


Such that can harm health or life. And the chance to earn income is an additional bonus. Those who are interested in investments choose other options. For example, they rcs data purchase a regular insurance policy and put the remaining money into a bank deposit. Given the growth of inflation, the funds in the ILI risk depreciating. Especially if you choose an insurance company that offers a yield that does not exceed the actual growth of prices . And, of course, you cannot compare the ILI with other financial instruments - shares, bonds. True, the ILI policy is available to those who want it.


And in order to increase capital by trading securities, you need special knowledge. And also a good understanding of the market. Otherwise, you risk "burning out to zero." Tax aspects If a person pays personal income tax, then when purchasing a policy for a period of at least five years, he has the right to apply for a tax deduction. If the policyholder deposits the entire amount into the insurance company account at once, without additional contributions, then the deduction can also be received once. The maximum that can be returned is 15,600 rubles. The return of contributions at the end of the contract is considered an insurance payment.