June 2010

Tuesday, June 29, 2010

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MEDICAL INVESTMENTS FOR FAMILIES: LIFE INSURANCE POLICIES AND BANK DEPOSITS INCREASE

In the third quarter of last year, the share of pension funds, severance indemnity (TFR) and life insurance, grew by 4.8% between financial assets held by households consumers. To detect it was the ABI, the Italian Banking Association, in its Monthly Outlook of May 2010, stating to them as financial assets above the end of the third quarter of last year represented a 16.7% share of total of financial assets held by households and the percentage is also a slight increase when you consider that in the third quarter of 2008 stood at 16.5%. Despite the crisis, then, the market for life insurance continues to go well because companies, in line with guidance and savings and insurance needs of families, have focused on traditional life policies rather than those with a financial component higher or lower.
In the third quarter of last year were to increase even tickets, coins and bank deposits with an increase amounting to as much as 4% which brings the total of these assets on the overall level of 30.6% year salt on year and the proportion of shares and other equity from 21.1% to 21.9% compared with a percentage increase of 6.7%. source of news.

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ITALIAN POSTAL LIFE INSURANCE POLICIES AND FALSE

Codacons: insurance-life to lose.
"The post was not an insurance product, consumers damaged '
thought they had subscribed to the post office a normal life insurance policy," except to discover to their cost that it was a speculative product without the possibility di recupero del capitale». La trappola in cui sarebbero rimasti impigliati, a partire dal 2002, anche numerosi risparmiatori ogliastrini è stata denunciata dal Codacons di Tortolì con un duro documento. « La vicenda -spiega Diana Barrui, presidente di Codacons Ogliastra- è venuta alla luce quando Poste Vita ha comunicato ai clienti che la polizza da loro sottoscritta si era più che dimezzata. Ufficialmente a causa della crisi dei mercati. Nei fatti la crisi non c'entra, in quanto quelle non erano polizze assicurative. Nella modulistica consegnata al cliente non appariva, infatti, la vera natura del prodotto: una polizza index linked che ti garantisce tutto, tranne il capitale. Peccato che nessuno l'abbia mai detto ai sottoscrittori, ora indignati». Secondo Codacons il prodotto collocato da Poste Italiane è finanziario, non di certo assicurativo, nonostante l'apparenza della confezione. «Che si tratti - insiste il comunicato - di un prodotto finanziario è dimostrato dal fatto che la facoltà di riscatto consente all'assicurato di recuperare in qualunque momento non già il capitale o il premio, bensì una somma commisurata al valore delle quote del fondo aperto con integrale assunzione del rischio. Con la conseguenza che i pochi risparmi, le liquidazioni, i quattro spiccioli messi faticosamente da parte, si sono volatilizzati in barba ai loro proprietari. Forse, se Poste Vita avesse reso edotto il cliente della vera natura del prodotto, oggi qualcuno non rimpiangerebbe quel contratto sottoscritto years ago. " Other dangers were, however, still lurking. "Recently - concludes the Consumers' Association - the Post Office have submitted another product, with recovery of the capital, but only in 2015, although it can take anywhere from immediately terminating the contract." SOURCE L'Unione Sarda

Monday, June 28, 2010

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PENSIONS FOR POOR YOUNG

A future with new employees will have half stipendio.I 44% of final salary, the self-employed 29 percent ... Source Republic

Saturday, June 19, 2010

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concerned about the future

Young and pensions of the future "Only 21% think it will have a" . Source Republic

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ALLIES FOR LIFE PROTECTION

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