How to choose the right life insurance policy

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And with ISL, a person may end up with only the initially invested amount - and nothing more. In short, ISL is more suitable for increasing capital. And NSL is for preserving funds and accumulating a sum. Of course, NSL is also, first of all, life and health insurance.

Therefore, when an insured event occurs, the insurance company pays stockholder data the money specified in the agreement. It does not depend on the amount of money that the insured actually invested. Let's say a person wanted to save 500 thousand rubles over 3 years. But he made contributions only for a year and a half. And then he got injured. It is recognized as an insured event.


The insurance company paid the policyholder 500 thousand rubles, although in fact he contributed less. If nothing happened, then at the end of the agreement period, the insurance company pays the insured the money that he contributed. And also transfers a small percentage of the investment. There are other types of life insurance. For example, risky. With it, compensation is paid only when a health or life-threatening situation occurs. For example, injury or death.