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Dlaczego warto się ubezpieczać?

Polacy wykazują coraz większą świadomość konieczności dodatkowego ubezpieczania się. Wszystko dlatego, że polskie społeczeństwo się wzbogaca, bierzemy też odpowiedzialność za naszych bliskich, którzy mogliby pozostać bez pomocy finansowej po naszej śmierci. Właśnie po to są polisy ubezpieczeniowe. Te dają gwarancję nie tylko uzyskania rekompensaty finansowej w obliczu choroby uniemożliwiającej pracę zarobkową, ale również otrzymania odszkodowania dla rodziny, kiedy nas zabraknie. Sprawdź, jakie jeszcze korzyści daje polisa ubezpieczeniowa.

Stabilność finansowa bliskich

Tylko ubezpieczenie na życie daje pewność, że w obliczu Twojej śmierci, rodzina albo inne upoważnione do tego osoby otrzymają wypłatę świadczenia finansowego. Te środki zapewne nie zrekompensują straty najbliższej osoby, ale z całą pewnością pomogą przetrwać najtrudniejszy czas. Te środki pozwolą też spłacić ewentualne zobowiązania i utrzymać obecny standard życia.

Pamiętaj, że im większa będzie wysokość miesięcznych składek, tym świadczenie o wyższej wartości otrzymają wskazane przez Ciebie osoby. To Ty decydujesz, kto będzie upoważniony to otrzymania środków pochodzących z polisy.

Komfort i bezpieczeństwo

Umowa polisy ubezpieczeniowej zawierana jest najczęściej na długie lata. Im wcześniej ją podpiszesz, tym większe świadczenie pieniężne otrzymają Twoi bliscy. Ubezpieczenie na życie może trwać nawet do 75 roku życia osoby, która na takie się zdecydowała. Warto uświadomić sobie, jak długi jest to czas. W obliczu zaciągniętego kredytu hipotecznego, którego umowa opiewa najczęściej na 30 lat, masz pewność, że w razie Twojego zgonu jeszcze w trakcie trwania współpracy z bankiem, Twoi bliscy nie będą zobowiązani go spłacać albo środki wypłacone od Towarzystwa Ubezpieczeniowego pokryją koszty takiego zobowiązania.

Możesz żyć spokojnie. Twoi najbliżsi są zabezpieczeni chociażby finansowo, a to w obliczu śmierci jednego z głównych żywicieli rodziny już bardzo dużo.

Ochrona zgodnie z indywidualnymi potrzebami

Ubezpieczenie na życie możesz dobierać zgodnie z własnymi potrzebami, oczekiwania i możliwościami. Najlepsze Towarzystwa Ubezpieczeniowe dają szansę podpisywania również umów dodatkowych już w trakcie trwania tej głównej. W każdej chwili możesz więc zmieniać bądź zwiększać zakres umowy ubezpieczeniowej. Twoja polisa obejmować może ubezpieczenie na życie, ale też na wypadek chorób wymagających hospitalizacji. Ubezpieczyć też możesz dziecko bądź małżonka.

Suma ubezpieczenia będzie zależeć od ustalonej wysokości składek. Wiadomo, że będzie ona tym wyższa, im większe składki zdecydujesz się płacić. Podejmuj decyzję rozsądnie – opłaty z tego tytułu nie mogą zaburzać Twojej codziennej sytuacji finansowej ani wpływać negatywnie na budżet. Elastyczne rozwiązania pozwolą Ci jednak zmieniać warunki nawet w trakcie trwania umowy ubezpieczeniowej.

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