According to a previous survey, only ten of our compatriots think they are financially secure in the event of their death, while statistics show that more than a third of the deaths occur at the age of 70, and every year about ten thousand people are lost to loved ones before would be 55 years old. Such tragedy often means a heavy financial burden for family members, so it is worthwhile to take care of them in time. A family trailer of about 35 years could do this even for 50-60 forints per day.
According to data from KSH, there are about 360 deaths in our country every day, more than a third of them come before the age of 70. Insurers register nearly 700,000 risk insurance policies, and since a person can have as many contracts as possible, we can conclude that this form of care is not so widespread, just a few percent of his penetration. However, such insurance can be crucial for our lives and after death it can offer our loved ones financial security so that they do not get stuck in a bank loan, loan or even funeral expenses.
Although the main advantage of risk insurance is the death penalty, there are many products on the market that pay in case of disability – OVB Vermögensberatung Kft. Moreover, as soon as possible, the less the insurance premium, because with the progress of age prices go up. In many cases the insurer determines the age as the difference between the current year and the year of birth, for example for a 40-year-old parent, the contract concluded on 31 December can be up to 10 percent more favorable than 1 January. For the latter, the higher rate means not only that we have to pay more in the first insurance year, but also higher than the full term of the contract.
However, it is also worth thinking about a life insurance policy in good time, because if you are diagnosed with a disease in the meantime, you can significantly lower your fee or even make it impossible to conclude an insurance contract.
"In Hungary, many families have a mortgage loan of 7-8 million forint and this debt goes to the heirs with the death of the contractor, and it can also be a huge financial burden for them if we do not provide them in time, even not for 50-60 forints per day all in "
– said Viktor Póth, Business Development Director at OVB Vermögensberatung Kft. "Our monthly net profit would be 50 to 60 times the amount of insurance that we can safely subscribe to because we could maintain the standard of living of the family up to five years in a tragedy," he added.
Under the conditions of risk coverage, life insurance companies often have significantly different exclusions and exemptions, so it is very important to thoroughly review the insurance conditions and be equally essential to understand basic concepts in life insurance. That is why we advise you to find a specialist who can help you find the best solution for us.
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