What is the Comprehensive Parsian Family Insurance?
Providing insurance coverage for up to 4 family members
• The possibility of using insurance coverage from birth to 70 years of age
• Choosing death capital and insurance coverage separately for each family member
• Flexibility in determining the amount of premium paid and how to pay it (monthly, quarterly, six-monthly, yearly and lump sum)
- In order to invest more, you can pay an amount under the title of initial premium at the beginning of each insurance year in addition to the premium. Pay the insurance policy regularly.
• The possibility of changing the conditions of the insurance policy during the contract period
• The possibility of increasing the premium paid at the beginning of each insurance year
• Technical interest on the account allocated to the accumulated sums of the equivalent life and investment insurance policies 16% for the first two years of the insurance policy, 13% for the second two years, and 10% for a period exceeding four years. Allocated on the accumulated amounts of insurance policies in the years ****-**** were 24%, 26%, 26.5%, 26.7%, 24%, 23%, 20.1%, 18% and 17%, 19%, respectively)
• The average fixed interest allocated to the savings of Parsian life and investment insurance policies during the last 10 years, **** to ****, was equal to 22%.
• The possibility of receiving the insurance savings as a lump sum or in the form of an annuity at the end of the contract
What are the special benefits of Parsian Family Insurance Plan?
• Calculation of interest by day
In this case, at any time of the insurance year when the insured requests the use of the reserve fund, such as receiving a loan or withdrawal, the interest of the investment and payments during that year on a daily basis. The number is calculated and can be used. It should be mentioned that non-payment of daily interest on the accumulated balance causes the users to be deprived of 5-10% of the accumulated benefits on average, which is covered in the life insurance policy of Parsian Investments.
• Receive Incentive interest in case of premium payment earlier than the due date
The basis of interest allocation in this policy is based on the date of payment of the premium, not the due date, therefore, in case of payment of the premium earlier than the due date, the amount paid is added to the reserve and is included from the same date. Profit is calculated. This feature will increase the accumulated amount and increase the benefit of investment for the insured.
• Absence of late payment penalty
If the premiums are paid later than the due date, from the same day the payment is made to Insurance interest will be charged and no penalty will be charged for late payment. In addition, as long as the insurance policy has reserves, the death and additional coverages will remain valid and the insured can continue his installments. ... during the contract
• Non-suspension of the insurance policy in case of delay in paying the premium and having a redemption value