Under the programs of investment life insurance "Sberbank Life Insurance" there is an option for fixation and payment of additional investment income during the term of the contract. The largest number of fixations and payments fell on the ILI agreements on the strategies "New Technologies", the average yield for which in 2017 was 37.5% per annum; "Shares of Sberbank" (8.3% per annum) and "Global Fund of Bonds" (6% per annum).
The maximum amount of fixed income in 2017 on certain policies was 60.61% for the Global Bond Fund strategy, 46.41% for the Sberbank Equity strategy, and 43.21% for the New Technologies strategy.
"According to the terms of the ILI "Sberbank Life Insurance" agreements, clients have the opportunity to regularly track additional investment income with the basic asset growth in the personal account and fix the salary by attaching it to “the investment body". Thus, the guaranteed insurance amount for payment by the end of the policy term increases by the amount of fixed investment income, - explains Alexei Rudenko, CEO of Sberbank Life Insurance. - Nevertheless, the potential for future profitability will decrease, so use the option carefully. Also, in the framework of the ILI, customers can receive their investment income ahead of schedule. "
1 This fixed income could be documented not for one year of the policy, but for a longer period.
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