How to choose your online life insurance comparator?
DR
Life insurance is a financial investment product appreciated by the French. In order to be able to study the various offers and find the best life insurance, it is wise to use a life insurance comparator. How does a comparator work and what are the criteria to take into account? Explanations.
How does an online life insurance comparator work?
The role of online life insurance comparator Assurance-Vie.eu is to present various offers from insurers in order to easily find the life product that best suits their needs.
A good online comparator will therefore solicit the various insurers to find the type of life insurance policy requested. All proposed offers will indicate the management fee and the entry ticket. A quality life insurance comparator will also indicate the particularities of each life insurance offered and any promotional offers when a contract is opened.
By giving only some information on the needs such as the first payment and the desired regular payments, the investor profile and the contact details, the comparator will quickly select the offers available on the market with brands like Allianz Vie and offer life insurance tailored to the applicant’s needs and budget. The latter can then make his choice or go to an agency or to the insurer’s website to receive more information.
What are the criteria and elements to take into account?
A life insurance is a savings product that allows you to have an annuity or a capital defined in the contract subscribed by the subscriber and only collected during his lifetime.
There are two types of contracts: mono-support which is an investment of funds in euros and the multi-support which combines funds in euros and units of account (more risky because units of account are movable or real estate investments which offer no guarantee of keeping the starting amount).
After choosing the type of contract you want, the comparator will provide the first important details, namely:
- Le entrance ticket amount (fee)i.e. the minimum to be paid at the opening,
- Le management fee amount which is deducted annually,
- The remittance fee applied to each payment,
- The arbitration fees
- The exit fee.
Some life insurance policies do not require entry fees or arbitration fees, hence the importance of carefully comparing all the contracts.
It is also recommended to choose an insurer that offers a advice and support service easy to contact.
The most hesitant and those who are not comfortable with taking out life insurance online can choose an offer offered by a insurer with a good reputation and possibly having a storefront.
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