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The TAS-Pension program is a profitable investment in the future
Time is very fleeting. Nobody argues. It is difficult to imagine that at the age of 20, thoughts about retirement can come to mind. But in vain. After all, the older you get, the more often you think that things are heading towards old age, the more you worry that the retirement age will not be raised again or some other innovations will not be invented in favor of pensioners. Involuntarily, one wonders how to survive until retirement and, the most difficult, how to live on these unfortunate state payments, not to mention paying for a sky-high communal apartment or carefree old age with a decent level of rest.
Is it possible to improve the situation and avoid living on the verge of poverty: so that food is not limited to a minimum set of products, so that the entire pension does not go to pay utility bills or medicines, so that you can improve your health at least once a year at the medical resorts of Ukraine?
A specialist from the TAS insurance company told us about how to save up for retirement, when it is better to start doing it and how to ensure old age on your own.
- Do you think Ukrainians need to think in advance about accumulating pensions and why?
- I think and I am sure that it is necessary. Most Ukrainians receive low pensions. Taking into account the next planned allowances in 2020, this will be at least UAH 1712-1769, while the average pension in the country (as of January 1, 2020, according to the Pension Fund of Ukraine) is UAH 3082.98.
The state is sorely lacking funds for pensions.
Observing the current situation in the country and taking into account the recent changes - an increase in the minimum length of service from 26 to 27 years and the retirement age for women to 60 years (for men 65 years), young people and the working-age population can independently assess not entirely rosy prospects. Of course, everyone hopes for stability. But the safest option is to take care of your future yourself.
- What are the options for accumulating funds in order to support yourself in retirement?
- "TAS-Pension" - long-term accumulation of funds in order to provide your own pension.
The main task of pension insurance offered by TAS is to supplement the state pension system in order to guarantee a normal standard of living for citizens of retirement age.
The program will allow you not to change your usual way of life upon retirement. It will give you the opportunity not to save on literally everything and not deny yourself the usual joys of life.
The maximum pension capital of our client is UAH 985,000.
- What does your retirement program offer potential clients?
The pension program of the TAS insurance company allows a person to choose for himself:
- at what age to retire;
- how much to receive it;
- and when to receive.
We conclude an insurance contract with the client according to a simplified scheme - without assessing his financial condition and state of health. We do not require any medical certificates and opinions or statements of creditworthiness.
Under the insurance contract, the client makes contributions to accumulate his pension. For our part, we guarantee financial protection and an annual investment return on invested capital, that is, your money will not lie under the mattress, but will work for you without any additional effort on your part.
- What are the basic conditions for supplementary pension insurance?
- The conditions of the TAS-Pension program directly depend on the period for which the insurance is issued, gender and age. If the contract is concluded for 10 or more years, life insurance is provided.
For example, if you have entered into a contract for a period of 10 years with a quarterly installment of UAH 6,000, your life is insured in the amount of UAH 287,145. It will be paid only if an insured event occurs, which is the end of the contract. Accumulated investment income will be added to the insurance benefit. Over the past 5 years, the average interest rate was 19.4% per annum. That is, the client not only saves for retirement, but also earns at the same time.
- What documents are needed to become a participant in the program?
- For registration, a standard list of documents is required:
- passport;
- identification code;
- a corresponding statement that can be made at any available branch of our company.
- Who can become a participant in the program?
- Absolutely anyone between the ages of 18 and 79.
- What is the frequency of insurance payments?
- The contract can be concluded for 10, 15, 20 years or for life. The period between the start of the contract and the start of insurance payments must be at least 5 years. You can also choose the frequency of pension payments: monthly, quarterly, 2 times or once a year.
- It is interesting to know in what currency the insurance premiums are made and what is their minimum amount?
- Insurance premiums are made in UAH, USD and EUR. Money can be deposited quarterly, semi-annually, once a year or once.
The amount can be any, it all depends on financial capabilities, but not less than the minimum. For a quarterly installment, the minimum amount is 1000 UAH, every six months you need to pay at least 2000 UAH, once a year - at least 4000 UAH. A one-time payment must be at least UAH 30,000.
- If the client decides to terminate the contract early, will he be able to return his savings?
- Choosing endowment insurance, you need to understand that this is an investment program designed for a long period. The company is obliged to pay a “redemption amount” with bonuses, which in the first few years will be either zero or less than the customer contributed. It is not in his best interest to terminate the contract with the insurer for at least the first six years.
- If an individual is already a member of one of the insurance programs, is it possible to switch to the TAS-Pension program?
- Yes. Transition on preferential terms is available to customers who are ending their programs. We offer TAS-Pension-Smena and TAS-Renta, which, in addition to receiving pension payments, provides an opportunity to leave the accumulated capital as a legacy.
- What are the advantages, in your opinion, of endowment insurance?
- By accepting the terms of our program, each client should appreciate its benefits:
- accumulation of funds is combined with insurance;
- when concluding an agreement for more than 10 years, tax benefits are provided;
- the terms of the agreement oblige you to constantly make contributions, stimulate the accumulation of funds, and not terminate the agreement;
- security of invested funds. In the event of bankruptcy, they will be paid in full or transferred to a liability to another insurer. The endowment insurance contract is a liquid asset, so any company will willingly take it under management. Reinsurance partners of the TAS insurance company are two large international companies - the German GEN RE and the American IGP.
- And finally. There are many insurance companies in Ukraine. Why exactly you can be entrusted with your honestly earned money?
- On the insurance market in Ukraine there are about 400 companies that are engaged in insurance. It's easy to get lost. Therefore, the first thing we recommend is to pay attention to the presence of a License for this or that type of insurance. Usually, this document is available on the official website in the section "About the Company" or you can be presented with it directly at the branch at the place of contact.
The insurance company "TAS" is today one of the leaders of the Ukrainian market of insurance services. We operate under a license of the AB series No. 499974 for insurance activities in the form of voluntary life insurance, issued by the State Commission for Regulation of Financial Services Markets of Ukraine on January 11, 2010.
The TAS-Pension program is a solid foundation for financial independence. By becoming a participant today, you gain confidence in the future. Contact the branch of the TAS insurance company that is convenient for you, and the manager will advise in more detail on all matters of pension insurance and make calculations on an individual basis.