It is well-known fact that it is better to be healthy and rich than poor and sick. Everyone however can be ill or become a cripple and in this case it is more preferable to be rich. But whether you will save for rainy day when around it is so much temptations and to think about bad it would not be desirable.

Life insurance will be an ideal exit for the provident person.

The money enclosed in the insurance precisely you will not spend for other purposes. And thus there is a confidence that if suddenly it is possible to appear on a hospital cot you necessarily receive the sum which will allow both to restore health in the order and to keep a habitual standard of living.

What life insurance and work capacity give to me?
With the best way will provide to yourself a financial reserve on a case of any problems with health life insurance and work capacity. It guarantees to you insurance payment at physical inability approach for any reason, disabilities as a result of traumas, heavy and mortally dangerous diseases. And the size of payment from first day of a validity repeatedly exceeds your expenses under the insurance.

Besides, the number of insured events includes death of the insured. In this case insurance payment is received by the successor specified in the contract of insurance – for example, the spouse or the child who without your support will lose means of subsistence.

As a rule life insurance and work capacity has also savings character. If throughout all term of insurance nothing happens with you the money paid for the insurance will not be gone. Insurance conditions provide insurance payment in the event that the insured has lived before the termination of term of insurance. Payment on it makes 100 % of the sum on which you were insured.

The life insurance and work capacity contract usually consists for long term. The standard minimum period of validity of the contract of life insurance and work capacity makes 5 years, maximum – 20 years. In the majority of the insurance companies for life insurance and work capacity restriction on age till 60-65 years though there are companies which are ready to insure and more older persons operates.

How life insurance and work capacity work?
The size of insurance compensation depends on degree of the damage put to health of the insured. Insurance compensation of the maximum size is made in case of death or reception of I group of physical inability. For foot crisis will pay 10-20 % from the greatest possible sum of insurance compensation per every day of time disability – 0,2-0,3 %.

At the conclusion of the contract of life insurance and work capacity you choose term of its action in the established borders and the maximum size of insurance compensation.
The insurance program can have strictly regulated set of risks or to share on some versions on protection level. The full set of risks on life insurance and invalidity includes protection at approach of death, constant full invalidity, constant partial invalidity and time invalidity. To a bowl of all definition of risk of constant full invalidity coincides with I and II groups of physical inability. The risk of constant partial disability usually coincides with III group of physical inability.

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