FLASH
Shkruar nga Pamfleti
"Children's Insurance" is the combined insurance product that SIGAL LIFE brings to the life insurance market. In terms of benefits, this product is considered ideal for couples who have just started parenting.
For an insurance premium paid every 6 months or annually, the child benefits from the amount saved and matured over 10, 15 or 18 years of savings by the parents. This is chosen by the parents. The longer the period, the greater the profit.
On the other hand, if during this period, unfortunately, one of the parents loses his life, the beneficiary immediately receives the maximum amount covered by the life insurance.
SIGAL CEO explains the product
Furthermore, the CEO of Sigal Insurance Group, Mr. Avni Ponari, explained to the media:
"If someone wants their newborn child, when they turn 20, to have a certain amount, for example 100 thousand euros, then this is possible and it is possible at SIGAL. Life insurance is also available, so you pay a certain amount every year to have 100 thousand euros for the child, then you will pay 5 thousand to 6 thousand euros per year... and your life is also insured as the protector and guarantor of this payment. And if something happens during this time, the child is guaranteed the specified amount, at the specified value even if you have only paid one installment the first year."
Concrete examples
For a middle-income family, 150,000 Lek per year, for the two of them, is only a savings of 6,250 Lek per month. For the benefits it brings, this is an achievable figure.
Can a larger amount be deposited? Of course, yes. It may happen that the client comes with a simple request: “I want my child to have 100 thousand euros in the account after 18 years. How much should my wife and I deposit each year?” At SIGAL this is possible.
Parents are also presented with different savings scenarios.
For example, if 50 thousand lek is deposited per year, after 18 years the amount in the child's deposit reaches about 1.13 million lek.
If 100 thousand lek are deposited per year, the final amount will be approximately 2.23 million lek.
With a premium of 150,000 Lekë per year, the child, at the age of 18, will have 3.34 million Lekë in his account.
While with 300 thousand lek per year, 150 thousand lek saved by each parent, or 13,500 lek per month, after 18 years an amount of about 6.69 million lek can be reached in the child's deposit.
Education, your first business, the first installment of a real estate purchase, there are many financial decisions that can be made with 6.69 million Lekë.
“Children's Case”
In the end, everything depends on the parents' financial capabilities and specific choices, as well as the objective they have for their child's savings.
Thanks to the "Children's Fund" product, if during these 18 years one of the parents dies, the child benefits from the full amount, no longer as a matured savings, but as life insurance: the full amount, 3.34 million for those who deposit 150 thousand Lekë/year, 6.69 million for those who deposit 300 thousand Lekë/year, and so on.
In this way, "Children's Insurance" from SIGAL LIFE offers a secure, dual solution for parents who want to plan for their children's future, but also want to equip it with more financial security.
Lini një Përgjigje