Why get life insurance policy. Life Insurance, TBT - Страховой Брокер

TBT - Insurance broker, as a pension broker advises individuals and businesses on programs of life insurance private pension provision, developed on the basis of world experience of insurance, taking into account Ukrainian reality. These programs contribute to the attainment of confidence in the present over the future, which ultimately makes it possible to receive paid leave for 20 years, so when you reach retirement age or even earlier. Life insurers.

For individuals, this information will be useful if they are self-employed persons (SPD - physical entities - entrepreneurs) or employees of companies who are themselves concerned about their future and want to create their own pension plan. More about this you can find in the private individuals

For corporate clients - corporate life insurance and private pension provision - an effective tool for managing human resources and financial management, which will enable the company:

• to minimize the negative financial consequences which may be connected with the onset of insurance cases (in the life insurance);

• to consider and promote the physical and social interests of employees, thereby increasing the quality and profitability of the business;

• take into account and increase the interest of staff in continuous operation in the enterprise;

• increase the confidence of employees in the preservation of sources of income in retirement, provided long-term and high-quality work in the enterprise;

• avoid indirect costs in the care of key employees and thus prevent "leakage" of the customer base;

• tax incentives - legal entities may include payments on long-term accumulative life insurance and pension of its employees on the gross expenditure of up to 15% of the employee's salary.

Life insurance for individuals

Opportunity to ensure a decent old age becomes more and more, but, ultimately, we need you to take care of the future on their own. Do not count on state aid. Among other things, has recently developed a cumulative life insurance, which is capable of if you do not replace the pension funds, is effectively complement them.

The choice in any case for us. Our life has always evolved in such a way that we first thanked the Government expensive for our happy childhood. And now, dear government wants us to thank him for a happy old age. But happiness - not a universal concept that if we do not manage the herd, and free citizens of a free country. Each of his fortune and his misfortune. In short, the pension reform helps those who help themselves.

In our life income provides:

• The content of family

• Recreation, health improvement

• The roof over your head

What are the sources of our income?

What events threaten our income?

• Dismissal (reduction) or loss of business

We know that one of these events will inevitably occur... But we do not know when... But the worst thing is not the point,

but the fact that most of our population does not know how to protect themselves and their families financially...

We as an insurance and pension broker know the way out of this situation!

Our advice would be helpful:

Life insurance what is it

• Private entrepreneurs and distributors to direct sales companies that:

o They are self-employed entrepreneurs. Independently conduct their business and dispose of income received. The progressive and active. For many of them their own busi c only and the most effective way to provide yourself and his family;

o On the other hand, self-responsible for all the accompanying risks;

• Employed persons, the companies that do not provide corporate savings programs;

• And to all those who care about their future.

Among the different ways of investing money life insurance has advantages. Life insurance combines insurance and savings functions, allowing for several years to accumulate the amount of the planned target of character for major acquisitions, addressing housing, children's education, loan repayment...

In reality, your life insurance need not be the ones who do not have loved ones, and who does not care what happens to their money in the event of their death.

Also, life insurance is not interested in the young single people - from 15 to 30 years. They have no dependents, no one of them is independent and they want to invest their money more aggressively in hopes of getting a higher return.

Insurance protection is necessarily necessary for those who is the breadwinner in the family. That is, those who are dependent on relatives.

Contract savings insurance must also conclude that if you want to pay in the future education of their child, buy him an apartment, a car, in general, upon reaching the age of majority to have any savings. Endowment insurance is a cross between bank deposits and insurance policies. Insured for the time specified in the contract makes contributions (depending on the amount which it is desired to obtain in the future), and the expiration of the contract, receives a specified amount, taking into account investment income.

If you are doing today what I did yesterday, then probably all that tomorrow you will have what you have today.

What do you get by taking a decision on his own funded program?

• Confidence in the present on the occasion of the future;

• Paid holiday for 20 years after retirement;

• Protection against the risks (loss of a breadwinner, disability).

We will help you to understand the ways of realization of your retirement plan.

• Endowment life insurance

• Private pension funds

On the advantages of corporate programs of life insurance and private pensions, as well as more detailed information can be found by going to the section for corporate clients

Life insurance for corporate clients. Insurance staff.

TBT - Insurance broker advises enterprises and companies of corporate programs of staff motivation in the form of life insurance and private pension provision. These programs contribute to the employees' interest in the successful development of business and strengthen the company's reputation and the formation of its image in the eyes of business partners and the general public as an organization of high-level corporate culture.

Due to positive changes in the Ukrainian legislation, today the program of corporate life insurance and private pension provision allows companies to optimize the costs of social security and additional motivation of employees. Corporate life insurance and private pension provision - is an effective tool for human resource management and financial management, which will enable the company:

Life of insurance

• to minimize the negative financial consequences which may be associated with the onset of insurance cases (in the life insurance);

• to consider and promote the physical and social interests of employees, thereby increasing the quality and profitability of the business;

• take into account and increase the interest of staff in continuous operation in the enterprise;

• increase the confidence of employees in the preservation of sources of income in retirement, provided long-term and high-quality work in the enterprise;

• avoid indirect costs in the care of key employees and thus prevent "leakage" of the customer base;

• tax incentives - legal entities may include payments on long-term accumulative life insurance and pension of its employees on the gross expenditure of up to 15% of the monthly payroll employee.

The main advantage of the program is that this program will help to save the employee a certain capital, obtain insurance coverage for a period of accumulation, while the company has the ability to motivate staff for the long-term recruitment of labor. The benefits of corporate programs of life insurance and private pensions. Why is corporate programs deserve attention? The main way to stimulate personnel - higher wages - is imperfect and gives only a temporary effect. The main advantage of corporate insurance programs is that this program will help to save the employee a certain capital, obtain insurance coverage for a period of accumulation, while the company has the ability to "fix" the employee, a type of so-called "golden handcuffs." The benefits of corporate programs for management:

• Reducing staff turnover, especially among leading experts;

• Increasing positive image Kompan s and its management among employees ;

• Competitive advantages in the recruitment of highly qualified specialists at the expense of additional material incentives for employees;

• Control of the invested funds during the term of the contract of insurance (insurance of the workplace);

• Reducing the corporate income tax (premiums deductible);

• It does not lead to an increase in payroll and charges on it (deferred salaries).

Benefits of corporate programs for employees:

• The additional income that is not taxable;

• Social protection of employees and their families;

• Psychological comfort from recognizing the value of employee;

• Confidence in the future;

• Getting a large amount of money in their own disposal after the expiration of the insurance contract;

• Guaranteed investment income.

LLC "TBT - Insurance Broker" provides such services for corporate customers:

The most important thing - it is financially beneficial to the customer, reliable, professional and unique in the market of consulting on drawing up motivational programs for employees, which includes:

Free term life insurance quotes

• analysis of the need to create an insurance program or pension plan and the choices of the pension scheme;

• development of motivational programs for employees of the enterprise (personnel policy) on the basis of mechanisms for the use of pension or life insurance contracts as a motivational tool;

• implementation of enterprise incentive program for life insurance for the employees of the company includes design of the program personnel documents - orders, amendments to the collective agreement;

• tax consultancy corporate program savings insurance;

• detailed study of the insurance or pension plan;

• A tender for the insurance programs based incentive program for the employees of the enterprise: the comparison and selection of appropriate conditions and insurance program Insurers (minimum of three) to staff the program, as well as the selection of the most reliable insurance company or pension fund;

• preparation of documents for the conclusion of contracts of insurance or pension contracts;

• presentation of the program to employees in the form of a bonus program;

• maintenance of insurance contracts in the period of validity (coordination and assistance in the preparation of documents for the retired and hired employees and those who have the right to participate in the insurance program, registration of changes to the insurance contracts due to changes in insurance premiums, etc.)

• settlement of insurance events (in the case of death and survival).

In deciding to implement a motivational program for employees in the enterprise, using the services of TBT - Insurance broker, you simply give the task to outsource, with the cost of services included in the price the broker or insurance pension product.

Endowment life insurance

Realizing and implementing a program of life insurance of employees, the head can simultaneously achieve several objectives.

On the one hand, cooperation with the insurer of life will enable him to obtain an effective tool of motivation and personnel policy.

On the other - to optimize financial flows of the organization.

According to the Law of Ukraine "On Profit Tax" of December 28, 1994 № 334/94-BP payments for long-term life insurance (up to 15% of payroll) are the gross expenditures company. Therefore, listing money to the insurer, the company not only did not pay extra taxes, but also automatically reduces its taxable income.

Thus, saving on taxes, the company gets an instant "profit". In addition, insured employees, the owner can save the expense of one-off social benefits to employees, as after the conclusion of the life insurance contract, such payments will be made by the insurer. There is another important advantage. Accumulated in the insurance "deposit" a significant amount, the employer may fail to fulfill the objectives or an employee in the event of leaving the company to return the money and accumulated investment income in the company's turnover.

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