1st way – life insurance
This is the easiest way. If you are the breadwinner in the family (bring to the family 60% percent or more of family income), insure your life. Amount of insurance is calculated on the basis of the household expenditure.

Why do I say that is the easiest way? Because, insuring his loved ones the man don’t worry because his wife or children cannot deal with his business and his business partners, or cannot get to his bank accounts – in any case they will be provided, having received money from the insurance company.

How much means do you need to get such protection?
Example of foreign insurance companies (cumulative insurance).
Woman, 39 years old, does not smoke.
To insure for one million dollars, she should do an annual fee of $ 11 500. Contributions are not lost, they are accumulated in the account, so besides the fact that she is insured for one million dollars, after a while she can (optionally) terminate the contract with the company and get her capital. For example, if she decides to terminate the contract with the company 15 years later, she will receive 181,125 dollars.

If a woman dies for any reason, the heirs are paid the amount of the policy – one million dollars.

2nd way – invest with the appointment of successors
There are different ways of such investment. I like the English way to invest – through an insurance company. In contrast to the savings insurance, such investment does not freeze your funds and you can withdraw them at any time. That is, you can use the insurance company simply as a broker. In this case, when opening an account in such an insurance company, you specify the heirs and the inheritance of your funds. Of course, your family should know that you have such an account with an insurance company. If you do not want to notify relatives about this account, notify your lawyer or notary public, or any other authorized person.
Opening a bank account, write warrants on your account in order your relatives could have an access to it. Banks offer these services.

The third way – bring your assets into a full order
The most problematic asset – business. Very often the business lays on one man, and if something happens with him, either spouse (husband) or children are not sorted out in it. And if business was the main source of the income, the family will live through difficult times. Maybe the partners can help? Do you believe it? I do not believe, though I do have one positive example. Unfortunately, this is an exception that proves the rule – in most cases partners do not help families of their former partners.

I therefore recommend all businessmen to remove some of their capital from the business and invest it in other investment instruments (banking, securities, real estate).
So, we consider three ways of financial protection:
- Life insurance
- Investing with the appointment of successors
- Bringing order to the main assets.
Which of these methods of protection have you chosen?

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