We have stayed at the insurance of tourists, as well as insurance protection against diseases and accidents.
1. Life. Such insurance will not only protect your family in case of your death, but also allows you to collect money as bank deposits. Only the interest rate is lower than the banks (usually 3-6%), but there is a belief that money is not wasted, and although a small but steady income from them will. You only need to pay premiums regularly in the future on the account will be a certain amount. If the insured person dies, his relatives or receive the entire amount or a monthly rent.
2. Car. You can not even get behind the wheel if you do not buy liability insurance (CTP). It is sold at a fixed price, which depends on the type and age of your vehicle, your driving experience and seniority. Extend this type of insurance can be a voluntary surcharge (DSAGO), increasing the maximum payments. But the damage and possible theft insurance is designed to protect the driver's helmet. The sum insured under it usually equal to the cost of your car (market). In addition, the driver can separate life insurance - as their own, and passengers (Passenger or all the people who may be in the cabin).
3. Property. If you need to protect it from burglary, flood, fire or other disaster, buy insurance and do not worry. Particularly interested in this type of insurance are those who just finished an expensive repair. It is important to remember that the insurance case, you should make every effort to minimize damage and save his property, only payments will be received. You may be denied in the policy, if the apartment is on the first floor and no bars on the windows, or you do not have alarm and metal doors.
4. Mortgages. This insurance is compulsory in securing a loan, as it is for a bank guarantee of getting their money, no matter what happens to a person apply for a loan. If you get sick, mortgage payments will conduct the insurer. Pay for such insurance will have until the end of the loan agreement, and even if the loan will be paid before the insurance payments will continue, albeit with a reduction in the amount.
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