Important is the Old-Age Insurance?

An insurance product is a product that can protect you or your family from a variety of potential financial loss. My partner and ZAP Finance, typically use these three products for the protection of one's soul.
1. Life insurance. This protection is useful if you have dependents that would be affected financially if you die. If the risk occurs, the beneficiary is the surviving family members.
2. Health insurance. Health protection is extremely beneficial for your retirement now, but you can protect up to age 65. Above that age, you may not be able to attend another health insurance program, or insurance premiums to be very expensive.
3. Annuity product. You can buy an annuity from the pension funds that have accumulated up to the age of 55 years. This annuity products will pay a series of cash flow for the duration of your life expectancy. So, from the age of 55 years to life expectancy (eg 75 years) you will receive cash in an amount equal (have calculated inflation).

Of the three types of private insurance that I have mentioned above, in order to obtain benefits in the old days there were only two types of insurance, the health and annuity products. For annuity products, you can select several options, for example you can choose a fixed payment amount (but it may run out of funds before your death), or duration of payments until death (but cash flow monthly payments may vary depending on the result of the development funds) .

Choosing a reliable insurance company may use a number of indicators such as the length of the company was established, how much Risk-Based Capital of her, and others. Most importantly, make sure you also prepare their own pension funds in the form of physical assets such as property that asset allocation portfolio is well spread.

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