The advantages of the ILI include

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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 moj data 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. Other insurances do not provide any additional savings or investment options - only ILI and NLI have this. Advantages and risks of investment life insurance The advantages of the ILI include: profitability (for example, higher than with life insurance); mandatory return of the money contributed by the insured; permission to designate any person as a beneficiary; a chance to get back part of the funds deposited into the insurance company account by applying for a tax deduction. More about some of the advantages of ILI If the policyholder officially pays personal income tax and has purchased an investment life insurance policy, he has the right to return part of the money invested.