Finance and insurance are areas that are particularly difficult to access for ordinary people. However, most of you are looking to invest your savings and get the best possible return on your investment. Looking for advice on purchasing life insurance and maximizing your profits? How do you get them without running the risk of being poorly supported or being offered a product that does not meet your needs?
Life insurance advice: the Google reflex
In general, for a few years now, the first instinct of an informed consumer when looking for information has been to go on the Internet, more specifically on search engines. Besides, you probably heard of this site through this! This is proof that the web is your primary source of information. However, beware. Indeed, the first advice to provide in order to take advantage of this mode of information without danger is to select the sources. The Internet is bloated, and you will find thousands or millions of sites or blogs ready to serve you a number of “good” advice. Know how to locate the right sources.
The first thing to do is to read the legal notice, or the author’s page if it is a blog. If no such page exists, flee. Instead, look for sites of companies with significant capital, for example (from 40,000 dollars), or those of bloggers who seem to have an expert profile. It is also preferable to consult sites whose main theme is insurance underwriting.
Online encyclopedias (Wikipedia for example) can be very enlightening as well. Consumers association sites, or the platforms of big financial brands that are also known to everyone. The content will be reliable and objective, although their own products will obviously be highlighted. On the other hand, beware of forums. You can find everything there: good, but also bad.
Finally, if you are looking to select a financial product that meets an investment objective, insurance comparators with a life insurance section will of course be the tools to use. These list a certain number of contracts in a pre-established comparison allowing you to directly see the advantages and disadvantages of each of the investments presented. Very often, sorting or filtering options on options, rates of return, fees applied, whether on payment, management or arbitrage, etc. will be offered. Moreover, these sites almost always have an impressive amount of articles or definitions that will take you step by step.
Finally, note that most of these players will be able to offer you impartial and independent advice.
Life insurance advice: help from professionals
Once again, life insurance is a difficult product, so once you have completed your web market survey, you will need professional advice, over the phone or in a physical meeting. This seems essential in order to validate your first understanding of the subject.
If you don’t want to be misled by a particular advisor, see 2 or 3. And come back to the web if necessary to corroborate each other’s commercial rhetoric. In this matter you are spoiled for choice.
Many questions should be asked and asked to you, in order to find the right contract:
– what type of contract to choose? Funds in euros or multi-support?
– are you going to make free payments or a single payment?
– what form of exit from the contract do you envisage: a life annuity or rather the payment of a capital?
– what tax should be expected for this investment?
In short, it is nice to learn about such a big topic by going to a consulting site. Do not hesitate to search this site for example, in the sections “practical cases” and “life insurance”, you will find a large part of your answers. This first step will allow you to gain more confidence when starting your first contact with these professionals. In fact, life insurance comparators help you get in touch with them and sort through the different offers so you can choose the one that seems best suited to your needs and your investment plans.