Differences between ILI and other forms of life insurance

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For example, concealment of serious chronic diseases when concluding an agreement with the insurance company. Also study the amount of the surrender values. Investment conditions. Insurance companies take a small % from contributions as a commission for their work. This money is not invested.

Find out what instruments the insurance company is going to vk data invest your funds in. Ask clarifying questions. If the money is going to be invested in company shares, then ask which ones. It is good if the insurer shows statistics on the profitability of investment strategies from previous years. Check the company in the Central Bank register . Do not cooperate with an insurance company that is not in the regulator's database.


Prospects for the ILI market The prospects for investment life insurance are positive. This is evidenced by the fact that in 2023 the growth rate of insurance premiums was the highest in the last 20 years. Moreover, investment life insurance and life insurance became the largest segments. Investment life insurance brought insurers approximately 90 billion rubles. According to the All-Russian Union of Insurers, the positive dynamics will continue in 2025. Already now, the collections of insurance companies selling life insurance policies have increased by 45%.