The goal is to identify dangerous pathologies

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To choose the right insurance product, consider a number of factors. Your future relationship with the insurance company directly depends on them:

Term.
As already mentioned, with cumulative life insurance, policies are usually student data issued for a period of 5 years. But there are offers for a period of 10-20 years.

Contributions are monthly, quarterly or annual.
Accordingly, the more often you have to pay, the smaller the one-time amount will be - and vice versa. Think about what is more profitable and convenient. and whether you can cope with the proposed payment schedule.

Fixed rate.
The level of profitability directly depends on this. NS is not such a full-fledged financial instrument. But it is important what profit the insurance company can provide.

Additional options.
There are useful options. They offset the low profitability.