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Life insurance rushed in

the Russian financial market, which, together with the whole economy is in obvious crisis, this year suddenly discovered a segment leader, who showed tremendous growth. They turned out to be life insurance. Judging by the numbers, this trend in our country is growing faster than all the world markets in this sector. Experts attribute this not only to the fact that sales to the policies actively involved banks, but also the beginning of the last changes in the attitude of Russians to the values of life and health. The cause of these mental changes, oddly enough, it was the crisis.

On the market trends of the regions reporters recently told a seminar in Moscow on "Insurance in the media mirror More life -. 2016", organized by the Association of Life Insurers (HOAs) and the All-Russian Insurance Association (ARIA).

Preliminary results of the domestic life insurance market development in the first nine months of 2016, which promulgated HOAs together with BCC, indicate fold increase. The studies were collected and analyzed data on the premium collection and payment of the 22 member companies and HOAs BCC, representing a total of more than 98 percent of the life insurance market.

The total amount of insurance premiums for the first nine months of this year increased compared to the same period in 2015 by 75.4 percent and amounted to 171 billion rubles. Moreover, only one third quarter of our fellow citizens bought the policies at 65 billion rubles. "This is a huge increase and it is happening against a background of stagnating financial market in Russia." - Said the president of HOAs, the head of JSC "Insurance company MetLife" Alexander Zaretsky.

Collection of premiums for other personal insurance reached 24 billion rubles against 10 billion rubles in the first nine months of last year. The total amount of insurance payments for three quarters of this year also increased - by 46.5 percent compared to the same period of the previous year, up to the amount of 26.45 billion rubles. life insurance payments increased by 33 percent and amounted to 20 billion rubles. "Thus, life insurance now - the fastest growing segment and in insurance, and in general in the financial market of the country", - concluded Zaretsky.

The main driver of this dynamic was the investment life insurance (COLI). Booming demand for such policies, experts explain, including the fact that the rates on deposits in domestic banks fell, investors began to look for an alternative to their investments and invest the money in the COLI. In the future, this rate is not guaranteed, especially if credit institutions again become actively develop the segment of deposits or if tougher regulation. However, since the lion's share of the population has no plans to take out loans in the near future, banks are unlikely to lose interest in the sale of COLI policies.

In the Saratov region, according to the director of the Saratov agency insurance company "Renaissance Life" Tatyana Ushakova, in 2013 the total fees on life insurance amounted to 1 billion 36 million rubles, in 2014 - 1 billion 437 million (38.7 percent), 2015 - 1 billion 238 million rubles (-13.88 per cent). At the end of the 1st half of 2016 life insurance premiums in the region have collected 732 million rubles, which is 16.5 percent more than in the first half of 2015.

According to the CBR, in 2013, was concluded 31 thousand 841 in 2014, in the Saratov region of life insurance contracts -. 33 thousand 715 in 2015-m. - 32 thousand 870 contracts.. "In general, the dynamics in the number of contracts repeats dynamics of charges: increase in 2014 and a small downward correction in 2015," - says Tatiana Ushakova.

"Saratov region - a vivid reflection of the situation in the Russian insurance - said our newspaper, the official representative of the company" Alpha Insurance "Yuri Nekhaychuk - Here the situation is exactly the same as in the whole country:. Decrease in new car sales led to a slight reduction of interest in the hull, but residents of Saratov region is still very interested in the preservation of property, health and their loved ones in the accident insurance. Actively developing and investment life insurance. "

"The replacement of the insurance of credit borrowers cumulative and investment insurance programs means improving the quality of development of the industry - sure Tatyana Ushakova -. After all, if in the first case it is usually a question of imputed services that are in addition to the loan, in the second case there is a conscious appeal person for life insurance as a separate product. "

"It is in the segment, which employs our company - a long-term life insurance, we see that the interest of the population of the Saratov region is growing. Our fees in 2015 were rooted to nine percent - said" Newspaper Our Version "Sales Director of the company," the PPF Life Insurance " Stefan Vanchek -. In the segment of classic life insurance leads long-term savings insurance, which allows people to protect themselves from the risks associated with the loss of health and accidents, while allowing to save money in the future when people feel insecurity, they are looking for tools that can help. reduce threats and risks for themselves. it is for this and need long term care insurance products. "

"The reasons for the industry's growth is partly laid just in a difficult macroeconomic situation in the country - agrees Tatiana Ushakova -. While credit insurance faded into the background, the new drivers become long-term products of investment and savings insurance This is largely due to the fact. . that in terms of economic instability citizens feel particularly shortage of reliable methods of capital investments and protection against risks Firstly, the changing priorities of the middle class -. with consumer focus has shifted to the conservation and protection of personal capital Second, transforming the behavior of private investors - instead of return with high risk to the fore the reliability and investment protection in the third, unstable period is increasing the value of risk protection -. this also applies to health, and accidents An additional incentive for the industry was the introduction from the beginning of 2015 tax deductions under the contracts. life insurance, concluded for a term of five years. "

Another trend of the last time, this time negative, - activation of scams in personal insurance. If before on various "legal" and unscrupulous figures (which often act as a part of organized criminal groups) complained only companies that sell motor types of insurance (MTPL and CASCO), now taint of fraud are increasingly began to spread to other segments of the insurance market. Ways in which scam artists are trying to heat up the insurance business, more and more. Sometimes they draw up policies for several different companies, then "arrange" an accident as a concussion or bone fracture, and require payment. This sometimes manage to submit the same x-ray image in different episodes, changing only the name of the victim. From such schemes suffer not only insurance companies but ultimately honest consumers, since all costs, expenses and losses of the business has to lay in tariffs on policies.

In Saratov, life insurers also experienced outright fraud. "In 2014 there was an incident that caused a resonance in the region. 26-year-old resident of Saratov devised a plan to commit a hard and cynical crime. Together with two accomplices, he was planning to get from the company" Renaissance Life "insurance compensation in the amount of 9.892 million 660 rubles, adjust the traffic accident in which was killed unsuspecting insured - says Tatiana Ushakova -. Fortunately, to implement its plan to the organizer could not, his criminal activity was foiled As a result, the court sentenced the offender to seven years of imprisonment. punishment in the colony. "

In the Saratov Regional Duma discussed the draft law on Territorial Compulsory Medical Insurance Fund Budget for 2017 and the planning period of 2018-2019 years. Revenues and expenditures of the treasury will make 23.255 billion rubles. This was at a meeting of the regional parliament, said the head of Andrei TFOMS Sauhin. According to him, for the year revenues increase by 5.6%. So, at the expense of federal subsidies will be received 1.247 billion rubles. On the activities of the fund unit will send 115 million rubles.

Recall that in the budget for 2017 by almost 10 billion rubles will send for compulsory health insurance of unemployed population. As a result, the bill was passed in two readings.

Another issue discussed by deputies, touched checks HBC and condominiums within the housing and municipal control. Addressing the gathering, the deputy head of Saratov on Urban Affairs Sergey Pilipenko offered to lift restrictions on these audits. Innovation, according to the authors of the bill, are necessary for a more expeditious consideration of citizens' appeals.

The Bank of Russia has published data on citizens' complaints on non-credit financial institutions in the third quarter of 2016. Most, ie 80%, accounted for the subjects of insurance business: it is insurance companies, mutual insurance companies, insurance brokers, insurance actuaries. The report is published on the website of the Bank of Russia.

Among the complaints against insurance companies traditionally associated with leading CTP - 86%, including those relating to the calculation of rebates for accident-free driving, failure to conclude CTP contract due to lack of forms of policies, as well as the imposition of additional services.

"Complaints of microfinance institutions account for 11% of total applications, in turn, issuers received only 4% of the total number of complaints and appeals:. Most of the shareholders are dissatisfied with failure to submit a joint stock information society and non-payment of dividends", - the report says the Bank of Russia.

In total in the third quarter of this year, the Bank of Russia has received more than 25.5 thousand. Complaints and appeals. This is by 8.3% less than in the previous period. As a result of their review of service on protection of rights of consumers of financial services and the minority shareholders in the third quarter sent to the financial institutions more than 2 thousand. Orders to eliminate or prevent violations of Russian legislation. Composed of more than 1.2 thousand. Protocols on administrative violations.

Insurers have recently been in a panic. It seems to be underestimated and payments, and denied them with or without - the money saved should be enough not just bread and butter. But no, dissatisfied customers through the courts began to recover the amount three times higher than originally determined by insurers. Budget insurance companies cracked at the seams.

It was necessary to do something, and all of us together sang about loss of CTP and the need to raise the basic rates, which have not changed over a decade. The main
Case: legal increase in payments to 400 thousand in the general order and to 50 million in the case of evroprotokol - excessive burden.

The Central Bank has agreed with these arguments, and October 1, 2014 issued a new base MTPL tariffs. Unlike the former, the current floating rate:
insurance companies have given the right to choose, from a sum of a start in calculating the cost of the policy. Minimum base - 2440 rubles, the maximum -2574 rubles.

Previously, the base rate was 1,980 rubles (for natural persons - owners of the cars). Under the new regulations the insurance company acceptable for calculating a base amount, shall inform the Central Bank of the Russian Federation and begins to sell the policies. The experts, including experts of the Central Bank and RSA (Russian Union of Insurers), assured us that appeared in the base rate of the fork increase competition in the market. In fact, most companies just sell insurance policies at the maximum price.

In one of the insurance offices at all I whispered in your ear that most insurers conspired to sell policies CTP as expensive as possible. But still I managed to find a company with a minimum base fare. Ingosstrakh, apparently, did not participate in collusion - counting policies on the minimum rate.

But it in Moscow. In the regions, competition, and there is no question - often only a couple of insurance runs in the neighborhood, and therefore, one hand washes. Therefore, the policy of CTP with a load in the form of life insurance, car owners have long been accustomed there and quietly suffer. And get used to the increase in the price.

In some regions, the policy generally can not be bought in recent months. Excuses are different: someone did not find forms, and other companies required to present the car to inspection before signing the contract - despite the fact that the next inspection technician could take place not earlier than one month. "The right person on vacation, and other employees of the qualification we have ..." The real reason for this behavior was evident - waiting for the new tariffs. Judge for yourself: on October 1, 2014 increased the maximum amount of the payment (for iron and 400 thousand (previous limit was 120 thousand), and the opportunity to sell the policy more expensive there was only on October 11 Behold insurers and hampered sales - it would be desirable to tear off from the client more.!

How to choose the insurer that the insurance market is at risk

It is known that in 2015 in our country has begun routine "cleaning" the insurance market, which has led to the loss of the 70th insurers (17% of insurance companies) licenses. But stop in thinning "population insurers" The Bank of Russia does not intend to: according to experts, before the end of the year remaining on the market of insurance companies to 40% can lose the license. More precisely, of the 334 licensed as of January 1, 2016 135 companies are in the risk zone.

The main reason for revocation of licenses of insurance - the poor quality of assets. There is an overestimation of the real estate and other illiquid assets, showed a lot of assets was a sham. Not to mention the not dried up the flow of complaints from citizens, which raises the question about the quality of customer service.

The objective reality is that the next year should be expected to reduce insurers up to two hundred.

At the same time serious complaints the regulator there is a large system of insurance companies.

Withdrawal of license: Theory and Practice

Theoretically, a review of the license makes it impossible to conclude contracts, but is not a reason for the complete termination of the obligations of the insurance company to its customers. Moreover, the insurer under the law is given six months is for execution of earlier commitments.

But the practice is what it says: usually the time of withdrawal of the license of no fulfillment of the obligations it does not go as money for the insurer simply do not have accounts. Do not correct the situation and appeal to the court: an official bankruptcy proceedings the plaintiff brings the winner only a tiny fraction of the required amount (usually - of a percent).

The same fate awaits those who remain in the hands of the cumulative investment policy of life insurance: the accumulated return of the bank on the deposit amount according to the law, he can not, but can only take their place in the queue of creditors. A prime location just at the policy holders of compulsory insurance. Thus, the victims of the bankrupt company clients in CTP eligible for compensation from the PCA.

Something about the insurer's selection criteria

Needless to say, to choose the insurance company today is not easy. And no single recipe right there is no choice. But the idea is - though contradictory.

For example, in very different ways you can interpret indicators such as the ratio of fees and disbursements: a large gap can be regarded as evidence of underpayments and insurers - and a responsible attitude to business, taking into account the need to build reserves. Experts, however, are inclined to believe that a small gap between fees and payments always indicates the poor condition of the insurer Affairs.

More can be considered indicative of the size of the authorized capital (preferably more than 1 billion. Rub.), As well as the presence in the largest and most famous of shareholders, which is not likely to withdraw for a few weeks, all of the assets, leaving insurers with nothing.

Enough reliable indicator - ranking national and international rating agencies (NRA, "Expert RA�, Moody's, Standard & Poor's). Finally, the problem of insurers you can always learn from disgruntled customers on relevant forums.

Stricter requirements for insurers - for the benefit of policyholders

With this hard to argue: Purified insurance market will become more friendly to the customers. But while the situation is even worse than the bankers - because you can not rely even today on the five market leaders.

Because insurers must keep your finger on the pulse of events and react already at the first manifestations of instability - for example, in mass communications about insurance payments delayed. These are the realities of the day.

Employment Insurance company: promising and profitable

To date, there are about 250 insurance companies in Ukraine, and many experts believe the insurance business one of the most promising and fastest growing. In this industry, you can quickly make a career.

It is very important that many companies are actively recruiting young people with no or minimal experience, because the staff is just not enough. So if you are a young professional, then you have every chance to get a job in an insurance company.

Insurance is a separate branch, which has its own characteristics, which you need to know. In general, insurance is: "Creation of funds that are paid in case of adverse events."

Sometimes different directions:

risk insurance
property insurance
liability Insurance
In Ukraine, the insurance business with began to actively develop only after independence, but rather at the end of the 90s. Now the insurance business in Ukraine is developing very rapidly, which could be described as "boom". Work with an insurance company becomes more and more popular.

There are new companies, there is an active inflow of investment from abroad, foreign companies come. Common steel mergers and acquisitions among players in the market, and all of this means a lot of money.

If something of this you have, then you can become a good insurance professional and having worked a year and a half of the initial positions and then go to the "big bosses", as companies grow and managers recruited from yesterday's young insurers.

In addition to the necessary professional skills (the ability to understand the relevant services and conditions of insurance) agent, as representatives of the business, must necessarily be outgoing personality and stress.

But that's not all. Success in this business largely depends on the ability to "calculate" the potential client. Experienced agents know: to offer their services to all in a row can not be. Instead of the conclusion of the transaction and making profits you can get a good share of negative emotions. Insurance agent - a kind of psychologist. Its main task - to accurately identify customer needs and provide the best solutions to problems.

Who can work in an insurance company?
The most popular are:

Insurance agent
Insurance specialist
Insurer
Leaders agents network
Consultants
Top Management
Most of these positions can be summarized in insurance manager. Or rather, a person who enters into the insurance transaction. Given actively growing market now felt an acute shortage of insurance professionals.

Of course, the work of an insurance company has its own characteristics. Firstly, you need to understand the intricacies of insurance. This is a fairly complex area and space for learning a lot. Secondly, in most cases the work of a specialist insurance implies active work with people, and so you need to be a bit of a psychologist and be prepared for a lot of communication. And third, most likely you will want to sell insurance, which requires sales skills, tenacity and vigor.

Let me teach
Due to staff shortage, many large insurance companies have opened their schools for training insurance agents. What is attractive, training is free of charge. In this case the company that organized the courses do not impose any obligation on the audience. That is to be trained, and it is useful for a career in related fields, absolutely free of charge.

Education in the school takes no more than a week. On average - three to five days, 4-5 hours a day. Teach in the first place, to understand the insurance, "to understand the product." Obligatory point of the program is to examine the regulatory framework governing insurance activities, as well as the basics of document. And teach properly execute contracts, to work competently with clients and so on.

Sign in to share
Earnings of the insurance agent, mainly consists of commissions from the sale of insurance products. The amount of remuneration depends on the type of insurance varies from 10% to 25% of the contract sum. For example, the average price of CASCO insurance policy for the car worth $ 20,000, is $ 1,500. That is, the agent who sold this type of insurance, will receive a minimum of $ 150.

In life insurance, the commission also depends on the duration of the contract and can reach 30-50%. This is despite the fact that life insurance is one of the most expensive products. But to sell such insurance is much more complicated than the policies of popular types of life insurance.

In some companies, there are so-called system of financing agent. This means that, subject to the sales plan insurance agent in addition to the commissions received also a flat rate - usually from $ 100 to $ 300. As an additional incentive and operate a variety of bonus programs, the promotion of sales agents, leaders and so on.

But in the first month of the novice may not be able to sell a single product. But free schedule of work of an insurance agent is quite allows him not to leave the main place of work and income from agency activities regarded as optional.

The activity of an insurance agent can be a temporary part-time job and start a career in the insurance business. Options for development can be several. Career growth depends on personal ambitions and abilities. An insurance agent can count on a place in the company. And can apply for a managerial position at achievement of certain criteria. For example, an insurance agent can count on a place in the sales department (as opposed to agents, state "salespeople" generally work with corporate clients and conduct transactions in larger amounts).

According to the insurers, the position of the agent - is the ideal starting step for a career in the financial sector. Firstly, because the large companies, especially foreign capital, like "grow" their own pictures. Second, the experience "in the field" will help future managers to better understand the market needs and to feel the situation. However, to get to the office staff, a specialist will have a minimum of six months effective work freelance.

By the way, not necessarily pursue a career all in the same company. A good specialist will be happy not only to any insurance company, but also in the banks. After all, there also have departments whose work is connected with insurance.

Insurance details

The insurance business has evolved in the early 90s. Then the insurance company staff were universal: to enter into contracts, estimated the value of the objects and the risks involved in payments. Today in this area there is a clear division of labor.

In general, employees any insurance company can be divided into two major groups: the front office (those who have direct contact with clients) and the back office. The first group - are employees selling units and experts on the settlement of damages. What do the first - is understandable, but the latter is already working with customers after the insured event occurred. For back-office includes representatives of both the universal professions (secretaries, members of IT-services, accountants, and so on.), And insurance (underwriters, experts in actuarial calculations). On the wagons in the article will not talk, it will be only for those whose profession is an integral part of the insurance business.

Sellers in the State and outside the State
The first step that begins the career ladder many successful professionals in insurance, - a position of an insurance agent. This employee self-seeking clients and sells insurance policies for different types of insurance. agent's task is complex and simple at the same time - to sell insurance to me, your neighbor, that is individual. The hardest thing at first is where and how to find a client. After all, no one will call you and say: "Insure me, please!" Therefore, most beginners first insurance agents sell through relatives, friends and acquaintances. And just in time the agent (or Sales Manager) formed its own client portfolio.

Agents are not employees of the company. Nevertheless, the developed network of agents - is something on which to build a business of any insurance company. Income derived by a manager, the entire sum of the percent of sales policies. Many in the profession of insurance agent draws a flexible schedule, and the fact that sales can be engaged on the job training and substantive work. But there is a flip side: lack of stable income (how much you sell - you get so much). According to the observations of recruiters, agents earnings by the end of the first year is US $ 800-1000. After two or three years, accumulating an extensive customer base, a specialist can count already 2000-3000 USD. Per month or more. Although there are people who believe this craft exclusively extra earnings, thereby to obtain no more than 300-500 USD. Per month. But those who take up the matter seriously and achieves some success, soon become full-time employees of the company and have themselves trained sales agents.

The main groups of professionals working in the state of the average insurance company, are different levels of sellers, underwriters, methodology (product managers), activists, experts on the settlement of losses, the evaluators (not represented in all companies). Tell us more about each of these professions.

The driving force of any business - sellers. The insurance firms they employ other workers. No sales - there is no field to assess the insurance risk, nothing to reinsure and deal with the settlement of losses, too, is not necessary. Sales specialists typically work with corporate clients, at least - with individuals (usually retail - a field agent activity). Established sellers unlike freelancers have a fixed salary ($ 1,000 and above.), All the rest - the interest of the concluded contracts. Experienced workers income is several times the amount of salary. Naturally, people who work in the field of sales, should be active and sociable, that is not a requirement for back-office staff.

Underwriter (in translation from English - the signature under risk) - one of the key professions in insurance. The specialist takes over the obligations under any type of insurance contracts, guaranteeing financial compensation. It forms a portfolio (risk selection produces), generates conditions of insurance, defines and justifies the size of their own retention and tariff policy, selects the reinsurance protection, which allows to transfer the risk of the maximum for the minimum money. On average, each underwriter receives several billion dollars a year liability.

Formal attitude to risk assessment can result in the most adverse effects. After all, insurance is in any other industry, a minor error or omission may lead to the collapse of the company. Therefore it is important that in this area working professionals. It is estimated to grow good underwriter, the company takes three to four years.

The average salary of an underwriter in a large company - 1500-2000 dollars.

The main product
The main purpose of any insurance company - quality customer service, which is possible only in the interaction of all divisions. To attract customers, the seller needed products and prices that the market will be most advantageous to be different from others.

Creating new products - the patrimony of product managers. After analyzing customer needs and capabilities of the company, they are preparing proposals for new products and their promotion. And their tools serves the entire company. For example, the development of tariffs on insurance trends is impossible without mutual cooperation, product managers and underwriters. In promoting a product manager on the market to help professionals in the field of advertising and public relations, in the preparation of special training for the sellers - Service HR. Product Manager is the initiator of all these processes from the inception of the idea to the product to market. He keeps abreast of sales, tracking how the new venture is profitable for the company.

these employees salary varies from 1,000 to 2,000 dollars.

continuous losses
Thus, the sale is perfect, the risks assessed. If during the term of the policy or contract an insured event occurs, the specialists on the scene to settle the losses (in some companies, referred to as the experts). The accident crushed the car, the neighbors poured on top of the insured apartment - with these and other problems sorted out just the experts. They will inspect the damaged property, amount to an act that the insured event did take place, help the client to draw up the documents required for payment.

In some large insurance companies feature the work of experts on the settlement of damages is the versatility: they are not only working at the scene, are assessing the damage involved in the reception and analysis of documents, but also participate in the examination taken at the insurance objects, the development of new programs, tariff adjustments, etc. .

Insured event - for any company a kind of aptitude test. On how skillfully and quickly it will be settled, depending whether the customer will turn to this organization in the next time, or prefer another firm. Well, most staff involved in such an important issue, in addition to excellent knowledge of the business, you must have nerves of steel and a truly angelic patience. Otherwise, try to explain to the person who drove the car an hour ago, what papers he needs to collect to get paid.

Depending on the level of payment labor specialist for the settlement of losses ranges from 900 to 1500 dollars.

"Actuarial" question
Another insurance profession - a specialist actuary or actuarial.

Actuarial calculations - calculations of tariffs for any type of insurance methods of mathematical statistics. Using them is determined by the share of each insurer in the creation of an insurance fund, which is a kind of reserve, from which customers pay compensation. By and large, this work is focused on the future of the insurance company. Specialty actuary originated in the XVIII century in connection with the development of insurance business.

Now, about the salary. Actuarial least in the labor market of 1000-1500 USD. It is also worth noting that the activities of almost all the experts, except for actuaries, also divided by type of insurance.

Professional requirements for employees of insurance companies, are standard. However, with the arrival of foreign insurers in the market, more and more increasing demand for qualified specialists who speak English. But they in our country, unfortunately, is not enough.

Accident insurance - what it is worth considering

It's no secret that every day we have to be provided in a variety of situations of risk to health

Should we think about insurance accident

And though it may all seem a part of the everyday, mundane things, but the result can be a trauma that will lead to significant material spending. An example may serve a variety of household chores - washing windows, chandeliers, hanging curtains and so on. Risk are as current valves, faulty electrical outlets which are coming loose and hanging high things, and the like.

In winter, the increased risk of falling, which can result, for example, a fracture of the hand, that for people of almost all professions will mean the loss of working capacity and thus man will be beaten out of the normal rhythm of the long term. Naturally, and in the warmer months, we sometimes face is not less than the dangers. In summer, many people are engaged in the country, which requires the use of physical force and working with garden tools. It is also a time to active sports and outdoor games. All of the above applies to travmoopastnym situations, but also in the summer increases the risk of insect bites that can have many unpleasant consequences.

crash - Accident insurance
And while no one can predict what will happen to any of us at any given time, but the possibility of "podstelit straw" is still there. Chance to mitigate the negative consequences of different accidents, lying in wait for us, it seems to us, by the use of such services as insurance against accidents (NA).

In the general case of NA insurance it provides three insurance cases: death, disability, injury or disability. It should be borne in mind here that by accident, understood unforeseen event that has occurred without interference and regardless of the actions of the insured person.

insurance policy against accidents
Insurance companies offer quite a wide range of policies for this service, which has reasonable prices. Thus, each person can choose the product according to your desires and budget. The amount of payment determined by the insurer, depending on the severity of damage to health. Ultimately, this will help alleviate the financial consequences of an accident.

Based on the fact it is clear that buying an insurance policy from an accident, we care not only about their health and well-being, but also their loved ones.

Choice of commercial liability insurance more restricted types

The difference between regular Caf� Hotel and an unforgettable caf� or hotel is located on a number of factors. Most of these factors have a lot to do with customer service and complete comfort. expected in respect of a caf� that people are attacked her senses to a few things. The smell of coffee beans, heat, an open atmosphere and a color scheme that is not garish or conflicting.

People look for similar things in hotels, but the smell of coffee with very specific lighting scenes and an overall sense of cleanliness and relaxation can be replaced.

The thing about commercial real estate such as a caf�, hotel, or even Restaurants, is that while consumers can expect some sights, smells and even behavior from the establishments they visit, the same goes for the owners and employees of these places. Only its concentration is not on how bad the coffee tastes or how clean the room is. Instead, it is on how well their professional liability insurance works.

Commercial liability insurance is a more general type of insurance than say Caf� insurance or hotel insurance. Commercial liability insurance is broad enough that it can be applied to any type of commercial real estate.

The sense of having liability insurance for any millstone that can be covered from a legal perspective.
Caf� insurance helps, for example, a cafe or restaurant to stay in business, even after a lawsuit is filed. The caf� or restaurant may be one or more of the following actions to interrupt operation of their company available for an automatic extension of their insurance:

-Mangelhafte Hygiene, vermin, pests or etc. leads.
-Anzeigepflichtig
-Professional Fees to the account
Or-Murder Suicide
-Delivery Damage amounts to no less than 25,000 l
-The Failure of public utilities
Refusal by access

Caf� insurance covers against injuries and damage that could occur to the public. It protects also responsible before the supply or sale of certain were a liability. Most shop owners may please to find out that caf� and restaurant insurance also has a section on buildings cover, stating that damage is done to cables or pipes that are covered underground. A great help when you estimate how expensive it would be, but to fix this kind of damage with no money in their own pockets.

How Caf� insurance good for those who are running a cafe or restaurant, is Hotel insurance for anyone who owns a hotel, boarding house or guest house. Hotel insurance does the same thing, doing another insurance company. It protects owners against loss, damage or claims against them by a third (a k a guest).

At the end comes down to what level of coverage you fit. You have to consider whether your business falls into a hotel, guest house, inn or bed and breakfast. Alternatively, if you run a caf�, the same rules apply. There are various features that may change at any time, which would change to another at the end of the description of your company from one. If you want a bed and breakfast but had then decided to stop eating, you could end up as a guest house or hotel, depending apply, what other factors for your business.

This is just one of the reasons why many people choose to use commercial liability insurance. Under a broader range of coverage allows them to branch off and to reduce or change according to circumstances and their own preferences. It is also cheaper to obtain and to keep commercial liability insurance.

Is this the way that you think would be best for your business, it is time that you do some research. Consider your options and really think about it, you think about whether commercial insurance or insurance would be best with a narrower niche. A caf� has always been a caf� and will always enjoy the benefits, Caf� insurance that was designed specifically for them. It's the same way with hotels and hotel insurance. Specially focused insurance are not for everyone. So if you have a hard time figuring out your future plans have (or if you just need to save the money), commercial liability insurance is probably the best choice you can make.

As the introduction of electronic MTPL policies affect the availability of auto insurance?

The opportunity to conclude MTPL contracts in electronic form (hereinafter - e-CTP) came from citizens on July 1 last year, and legal entities - from July 1 this year. According to RSA, today concluded about 300 thousand. Electronic contracts, representing approximately 0.5% of all contracts of CTP. The most popular they are in those problem areas where insurers withdraw from the market due to the high loss ratio of this type of insurance, leaving acquire paper policies virtually impossible (Krasnodar, Volgograd, Rostov, Ivanovo Region, Republic of Bashkortostan).

While the design of electronic policies on a voluntary basis, and currently only 17 of the 70 insurance companies licensed to carry out civil liability insurance of vehicle owners, provided for customers such an option (see the list of the insurance companies can be on the official website of the PCA). However, since January 1, 2017 the conclusion of electronic contracts will be the responsibility of the MTPL insurance - any person can file a complaint with any insurance company which is engaged in CTP .

Theoretically, after the introduction of such a duty for all insurance companies the number of e-policies should be increased. However, insurers are not only not predict significant growth in the share of e-CTP, but, on the contrary, suggest that some market participants refuse this type of insurance at all. Problems that occur after the introduction of obligations to conclude MTPL contracts in electronic form have been discussed, including in the framework of an organized forum of the Institute of the Internet "Internet + Finance", held on 21 of September. Let's see how this innovation is useful for drivers and how it will affect the activities of insurers.

Expected problems

Under the new rules, insurers will be required to enter into electronic MTPL contracts throughout the country, regardless of the fact whether they have branches in the region of policyholders living. In this connection, will need to think about how to properly secure the settlement of losses in the case where, for example, the insured from Vladivostok enters into a contract CTP in electronic form with the insurer from Kaliningrad, do not have a branch in Vladivostok, said Head of the RSA security methodology Mikhail Porvatov.

Current legislation requires insurers representation on the settlement of losses in each subject of the Russian Federation (p. 1, Art. 21 of the law on compulsory motor TPL). Small insurance companies meet this requirement by concluding agency agreements on representation in regions with major insurers that have branches all over the country. However, this representation of the Institute model assumes that the representative of the insurer will settle the loss only in those areas where the latter does not sell policies. In the regions, where sales are conducted, the insurer is obliged to have their offices on the settlement of losses, the expert said. Therefore, the introduction of sales policies on the entire territory of Russia (namely, it means e-CTP) will lead the reform of the institute of representation of insurance companies.

OUR REFERENCE

Settlement loss - a set of the insurer's actions to address victims' claims for payment of insurance compensation, carried out in order to determine the legality of the claimant, the amount of insurance compensation and the fulfillment of obligations on payment of insurance compensation or the direction of a reasoned refusal in accordance with the requirements of the law (Article 1.1 of the Rules of settlement of losses by insurance. organizations - members of the PCA on MTPL contracts, approved by the decree of the Presidium of the SAR on October 8, 2009 ? 4)..

Still can not find the solution one of the most important problems in the field of e-CTP - the lack of information exchange between the authorities, insurers and the PCA. Introduction of electronic insurance policies was intended to simplify the procedure for their preparation, which is why insurers freed from the need to submit to the insurer a passport or a certificate of registration of the organization (if the insurer - a legal entity), the document is the vehicle registration, driver's license and diagnostic card, or a copy of these documents. It is assumed that the information contained in such documents information, insurers are prepared by exchange of information in electronic form with the relevant authorities and organizations (para. 4, Art. 15 of the law on compulsory motor TPL).

Thus, the legislation provides that the number of ministries and departments, including the Ministry of Internal Affairs and the Federal Tax Service of Russia are obliged on request SAR to submit information for inclusion in the automated information system of compulsory insurance of civil liability of owners of vehicles, known as AIS CTP or AIS SAR (n. 2 of Resolution RF Government of September 14, 2005 ? 567). The interaction between the authorities, the PCA and its members carried out using SMEV - a unified system of interagency electronic interaction (paragraph 2.2 of this decision.).

However, as reported by Michael Porvatov, in practice, such communication has not yet been organized, although the PCA repeatedly sent to the Office an application for access to their services. The lack of interaction leads to the fact that insurers can not guarantee the accuracy of these insurers in the statements on the conclusion of the contract CTP data in electronic form (no typos in the presentation of information and deliberate distortion). Accordingly, it is impossible to ensure the purity contained in the CTP AIS information, as they are making directly in the insurance companies.

Travel insurance - an important formality or a necessity?

Awareness of the importance of having valid travel insurance comes when suddenly while traveling, at best, it might be a nuisance in the form of minor injuries requiring medical attention.

Travel insurance - an important formality or a necessity?
Usually difficult to provide for their own negligence, but to avoid unpleasant consequences, as well as treatment in a foreign country at his own expense as possible, in advance of issuing a quality insurance from a reliable insurance company before the trip (not counting the fact that some no version of travel insurance when traveling in Europe It should be in default of the tourist).

When making a medical travel insurance before you travel, you need to take into account the territory (area), which will extend insurance coverage.

For example, for the EU countries the total amount of insurance coverage must be at least 30 million euros (or $ 50,000). When puteshetvii in countries such as Turkey, Egypt, Thailand and the United Arab Emirates turstrahovka not required, but registration of medical policy with at least the minimum insurance premium is still desirable for Vazhego own peace of mind. Just the presence of an insurance policy increases the chances of getting a tourist visa to Canada or Australia.

Buy a standard insurance policy for going abroad (TCD) can be in the offices of insurance companies or virtually any travel agency, as well as through the Internet on the websites of insurers and intermediaries in multiple-line, pay for purchases by credit card. Most card-issuing banks offer travel insurance from insurance companies-partners to holders of its cards.

It is particularly important that all the embassies of European countries - including visa offices in Switzerland, Austria, Finland and the Czech Republic - have lists of accredited insurance companies travel insurance, which are published on the websites of consulates of the countries concerned. These lists can be mainly advisory in nature, but in special cases the design of medical policy should take place only in an accredited insurance company - it is worth paying attention to it in the study of the list of documents required to obtain a visa.

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What do you expect of retail insurance, Guest House Insurance, and Public House

Consumers are, what the world. Buy, haggle them you travel from place to place, they complain, praise, depending on how satisfied they are with the service or product that you provide with available.

While consumers may sometimes be annoying, they therefore, serve a purpose. Without them and their willingness to spend money retailers guest would homeowners and public homeowners jobs.

Consumers keep as much influence on the rise and fall of a company that it is frightening. Consumers can sue, cause file a claim or any number of other problems for a company. If all this is added to the types of potential problems (such as employee injury, theft, natural disasters, vandalism and etc.) are already in the company exists, then it is understandable why should the owner want to get back a sense of control.

Never really enjoy the operation or a company when you. Constantly thinking about everything that could go wrong There are so many things that could come, it's a wonder why people have to own their own business would be ever ready.

For these courageous individuals who do just that, these are just a few of the different types of insurance that you may encounter.

-Retail Insurance - retail stores, service companies and trade contractors are eligible for retail insurance. These entrepreneurs receive protection for their personal pro,perty, the building, which is run by their business, financial liability and loss of income. Most places offer you the choice of picking and choosing which type of coverage you receive while using this type of insurance. This method is popular because many business owners do not have to pay for flood cover when in a high elevated area surrounded by little I want to live until no water sources. Why should they? It would be the smarter choice to one as the strategic plan of their option and replace it with a kind of coverage that they would need in the future. Retail-insurance can be obtained from stores, boutiques, food stalls and shopkeepers. The minimum coverage of retail insurance is more than the maximum coverage offered by some policies. For example, the minimum coverage for retail insurance:

oL 3,000 worth of damage to glass, strip mall and etc ..
oL 1,000 worth of damage to blinds or mark on the outside
oL 3,000 worth of lost or damaged goods during transport
Okey-theft Lock Replacement
oIncome loss
opera personnel injuries, injury, loss of limbs or eyes or death
wear opera nel effects or cash suffering damage equipment
oLoss the contents in a freezer
oIncrease warehouse in busy times
Oproperty damage during exhibitions
Ometered water loss
olandscaping

There are certainly more, but now I'm sure you get the idea.

-Guest House Insurance - this form of insurance, the owner of the motel, hostels, hotels, pensions, and so on are accessed. With guest-house insurance, you are covered in a variety of other areas. Buildings and contents cover financially protects not only your business, but also everything that is in this business (equipment, stock, money) from fire, storm damage and floods, etc .. General liability insurance is also offered. With it, you will be protected from any claim that. Through injuries suffered the public during your property Liability insurance for employers is also in the guest house insurance included. It works just like general liability insurance, except that it protects you from negligence claims by employees rather than the public. Finally helps business interruption, you compensate for the loss of revenue suffered by your business after a fire, flood, power outage, gas leak or etc..

-public House Insurance - This can be referred to as insurance pub and wine bar. It is very important that owners of pubs or wine bars have this form of insurance. If you have a few people who are only too willing to deal as much alcohol as possible, expect getting worse. Tavern insurance should help you to do just that.

As you can see, is whether it is public property insurance, guest house insurance or retail insurance, always invest it a good idea to at least the minimum amount of coverage. Because if you are dealing with people every day, it is always better rather than suffering.

Professional Indemnity insurance is not the only insurance that will help a business progress

Insurance coverage may prove difficult. You can not just buy a policy and expect them to meet all your needs. It's a more than fair chance that the policy you buy is something missing that you find in the long run essential. The opposite can also occur. The insurance that you could choose include coverage or policy that you know without a shadow of doubt never be of use to you. How do you. In insurance policies offered by different organizations that you start look to realize that many of them are set up the way that they are, so its price may be inflated

It is important what kind of insurance to be careful what you finally decide. Therefore, your best bet is to go with a company that will allow you the chance to choose what goes in your coverage package.

In many cases, regardless of whether you have a certain type of coverage that is totally dependent on whether the Bank not approved. You must meet a number of requirements before you get certain types of insurance.

Here is an example. If you open a new business and you decide that you want to convert it into a restaurant, the building need to fill certain characteristics. Need a kitchen, a walk in freezer, a certain number of emergency exits and windows, there must also be a sprinkler system in case of fire and so on. If you do not fill all these requirements then your business will not qualify as a restaurant and you will not be able for restaurant insurance.

Another example would be if you try to open a hair salon. In a hair salon you would have a place reserved for the washing of the hair have. This area would have a certain distance from electrical systems and so on. Also need a certain amount of usable area depending on how much hair stations what you.

There are also rules to follow before you can be approved to open a day care. keeping Depending on the number of children that you decide at any time to see the day that care is a certain size and it will have to be there a certain number of employees to help the children.

Never take for granted that everything you have done to your business is the right one. Read what the specifications for a specific type of business are before you waste a lot of time and money to do things by the wrong. You do not want to open your Pub, keep restaurant, lounge or put on because you can not get the proper authorization for your license.

For the most part, it is easy enough to figure out what you get, get required approval. The licenses your company needs also relatively easy to figure out. What take more thought is what would other licenses that you feel beneficial.

It's a little but as the establishment of a pub fails, obtain a license that would protect against any claims that patrons against you in case of an injury on your property could file. Liability license for a pub is as important as an alcohol license would.

Try to figure out how to combine your long term plans with future hopes, also for the expansion of your business. This will be better able, what kind of licenses you choose to invest in. And there will certainly be a worthy investment as long as you stick with your ideas.

Find always professional liability insurance quotes. This type of insurance can be extremely beneficial. Otherwise, if you do not have any other type of insurance know that you should get, just try to go with the insurance type that contains the description of your company. Do you want a pub, shop open in purchasing insurance pub, restaurant to buy restaurant insurance, and so on. From simply make it easier to experiment with other type of insurance in the future.

Wedding Insurance - nails

Wedding insurance is important to protect the most important parts of your wedding day. Your wedding insurance covers you, as a rule for loss or damage to your ceremonial and wedding clothes, during and after your wedding ceremony. Limits but be for each policy different, so you need to check with your provider. It will even protect you financially against cancellation due to circumstances beyond your control, or when a member of the immediate family is sick.

During the wedding insurance can protect most of the elements of your wedding, it can not protect everything. Perfect looking nails are one of the things that are not against breakage or damage - are protected so it is worth looking for them! You can bite nervous before your wedding day, and start or picking at your nails, perhaps even all the hard work in preparing for your wedding that your nails break easily - so does your nails more at risk than you think.

As you slide your ring on your wedding finger, you should to look for your nails at their best. Well maintained, shiny nails in good condition can be any outfit end wedding, and the icing on the cake for your good looks. You should ensure a few steps to ensure that your nails are in tip top condition for the big day:

Humidity: your hands on your wedding in advance regular moisture. Your hands feel softer and a good moisturizer strengthens your nails and help them grow. The average human fingernail grows only about 3 millimeters per month - so they need all the help they can get [1]!

File removed: deposit increase your nails strength and stop all evil nicknames in larger cracks, which could ruin your nails to turn. Do not worry that your nails are shorter; only a gentle file with a soft cardboard nail file will be enough to be around them to keep them happy ..

Paint: paint your nails helps to keep them stronger and prevents them from breaking. You can even coordinate the color of your nails with your color scheme for the big day.

Look after your hands you have strong nails nice looking that will show your wedding ring in all your wedding photos. Your Wedding insurance protects your wedding ring, so you just make sure that you protect your nails.

Wedding Insurance - Photographs

Your wedding photographer may not be able to print your wedding photos, when the film, negative or digital media are lost or damaged used. While every serious photographer should make back up copies of the photos he or she takes at your wedding, you may find that you are unfortunate enough to lose your precious wedding photos are.

Wedding insurance usually pays for a photographer to Photography with the wedding party, in case you lose your first set of images to shoot. Your wedding insurance cover will usually arise and reimbursement that re-shooting your big day - this includes things like rent a suit and even re-shooting the cutting of the cake. Not all wedding insurance companies offer this level of coverage, however, so you should make sure the details of your policy, check.

Good wedding insurance can also financial protection you in the event that the photographer is not on the big day revolves. Your wedding should also insurance of deposits or charges for the provision of alternative services when you have booked photographers bankruptcy is. Your protection usually starts from when you pay out the bonus, and is valid for 90 days or up to the contracted delivery date for your wedding pictures and videos.

If you want to take the stress lose your photographs primarily to avoid, there are a few things you can do. Why not talk to other clients, the photographer has worked, and maybe see some examples of their work to make sure you are happy with professional ethics of the photographer. You can also with your photographer to find out what precautions they can take to protect your photos, talk; reshooting during your wedding is a good second choice, it is still preferable to have the original in the first place.

Once you have secured a reliable photographer, you still need even against loss or damage, your precious wedding photos make by a good wedding insurance. Good wedding insurance you can safe in the knowledge that your cake, dress, venue and photos are all protected.

How can insurance Let owner provide with full protection.

For each owner there is a natural desire to protect their private or business premises. The specific motivation may differ, pushing with an emotional connection that owners of private homes with their families during fiscal space to protect, whether a warehouse, office or retail unit, more financial motive fall. The distinction fudge a little when it comes to the owner whose property a business investment but can also be a home to someone. To recognize this distinction, there is the insurance policy can be property.

Deals in the field of life insurance available may vary considerably, but there are certain criteria that go into the calculation of such things. Understandably, would the list of security risks in an industrial workplace, for example, that meant a commercial property, the insurance quote would certainly somewhat higher than for a small coffee shop in a mall. Even companies without premises can cover, with entrepreneurs all risk insurance for artisans as plumbers and electricians, work at the property of their employers.

The scope of commercial insurance is quite large, but the owner are different because they do not offer professional service, but to make the provision of an apartment for someone else. Nevertheless, there are risks that the landlord has to be protected from, many of which relate to home expenditures. For example, the rented house usually by residential security alarm systems are not protected, the more stable commercial security systems.

Also, if a house or apartment is rented furnished, the theft of content such as furniture and kitchen utilities, such as a refrigerator, freezer, microwave and dishwasher, the owner and not the tenant act. This also applies to structural damage which may be suffered by the house itself, and its gardens or yards. For example, when a storm overnight to a tree crashes through the roof of the house, this is something that has to cover the policy of the landlord.

Each of these issues apply to homeowners in any case with structural damage and theft both features of a general residential property insurance. However, what is certainly different if. Of occupant injury In this case, it is generally a family member, the home owner who is injured and compensation is not requested by you.

However, much like a customer is entitled to a business or employee in an office, a tenant to sue its owner when the owner as a debt. So should a heavy water leak damaged or destroyed in the house and the property of the tenant, they can argue that the value of the property. Likewise, when it burns, and property is lost, then you are looking for and compensation from the landlord.

Insurance which provides directly for the owner is important then, and most insurers like accommodate the specifics are required. After a break in it is for example possible to have changed a considerable sum, locks and keys. And when a tenant slips on the stairs, and it has been proven that a loose step was the reason, the policy can cover medical bills and legal fees, should the incident be a matter for the courts.

Let insurance but will also compensate the owner, the furniture or utilities are damaged by tenants that they maintained, repaired or replaced. The plant is also damage to the outside of the property, with front gates, garages and even garden landscaping all be included.

Meanwhile, the availability of contractors, which means all risk insurance that an electrician completely may, at work, are also covered if it does not work, in its own grounds. More importantly, is affected as their employer, is a merchant with this policy liability, assumption negates the risk of compensation.

Remember that when you get all the commercial property insurance quote, it is important to explain the true nature of the building itself exactly. This may be a major impact, not only have the choice of policy but the consequences in case of damage. So, strictly speaking with an insurance agent in detail.

Benefits of Accidental Insurance Plan

Insurance is a threat management technology. Auto insurance and car insurance. The main purpose is the due protection against financial protection against physical damage or physical injury caused by collisions.

A personal accident insurance policy is an insurance policy that covers risk of accidents, be it at home or outside. By investing in accident insurance, protect your family and yourself from financial worries as loss of income and medical expenses that result in unforeseen accidents. It is the contracts resulting from accidents at home or on the road. When investing in this plan anyone can protect his family from the loss or medical expenses or.

An accident plan would cover the individual and his family against the risk of death due to an accident. In addition, the passenger accident insurance policy, the insured loss of income would, depending on plan that is chosen to compensate in the event of temporary or permanent disability. If you choose a plan, it's a good idea to ensure that more benefits are family transport, transport of imported medicines, purchase of blood, etc..

The good personal accident insurance will keep you in peace of mind when you met with small or large incident. Apollo Munich Health designed individual personal accident plan is based on the principle of prevention and wellness.

Personal accidental insurance but also not only made for you are your family. It is valid for one year and comprises between 5 to 70 years. Children under 5 years can be covered from 91 days to when both parents covered the same policy.

Apollo Munich individual personal accident plan provides for all the benefits that you are looking for. A compensation of 100% of the random sum insured up to Rs 15,00,000 was paid in the event of temporary total disability. It is standard and premium version. This type of insurance is available in two versions: standard and premium.

Apollo Health offers our customers maximum health benefits with minimal effort. All insured members can call the Health Line and saying of their customer number reached our experts and successful primary consultation, health consultation, individual recommendations, health information, nutrition and diet, at no extra cost.

Advantages of accidental insurance:

1. Get a per refunded for the treatment of patients in the hospital by accident.
2. Get a lump sum in case of breakage of the bones by accident.

The accidental policy he say / she must follow the steps
1. Consult. To the insurance company Appolo Munich
(2) the person to talk and tell about the incident as it occurs the accident. Tell him. About the details of the accident Then he / she will help you to maintain
(3) The insured must submit that a number of documents to a refund request form through can download online.
4. Once the form is complete, it is submitted, TPA person or Apollo.

There are advantages of accidental plan:

1. accidental Death
2. Emergency ambulance cover
transpotatation 3. Family
4. change of residence or vehicle
5. Acquisition of blood

Accident insurance: what it is to be insured

Among the products in the market of insurance, accident insurance - not the most popular. Based on these statistics, such a policy has approximately 1.5-2% of the Russian citizens. By the way, many of his purchase was a forced measure: when you visit a mass event or when purchasing a passenger ticket. In general, the Russians rarely think about the accident insurance, because we are sure that nothing will happen to them, and if they happen - such a protective measure is unlikely to help them. For comparison, accident insurance is very common in Europe and in the United States.

The position of the Russians on this issue - is wrong, because the natural disaster, the emergence of a disease or a hooligan attack - not a rarity in our time, and prepare for them.

In practice, every person, regardless of age and / or state of health can be insured against accidents both on the short term, for example, at the time of operation, and the long-term, a year or more. It all depends on the purpose of insurance and the program selected.

From what to insure?

Often, people seeking to protect themselves, puzzled need to select risks. Most insurance companies offer a standard set of services. For example, you can protect yourself from lightning strikes, the effects of explosion, otravleniyaZastrahovatsya chemicals and poisonous plants, electric current, malicious attacks, animal bite, falling objects on the insured person, vehicle crash, ingestion of foreign bodies, polio, as well as from different injury, including, obtained in the home and other cases.

But not all accidents can be insurance. Agree, there is a difference between a serious injury, illness or even death and a short period of disability. The incident, which was to be expected, too, will not be deemed an insured event: for example, if a trouble occurs to a person as a result of mental illness, chronic disease, hypertension, or during sports. Compensation also is unlikely to be paid if the personal injury occurred during the riots, strikes or acts of war.

Sometimes though the insurer recognizes the misfortune as an insurance case, but the situation will not pay compensation. This is possible, if at the time of trouble the insured person was in a state of alcohol or drugs or if the policyholder at the time of injury, suicide or attempted to commit illegal actions.

Insurance payment

Insurance payment is made, as a rule, within the time specified in the contract, and its size is calculated as a percentage of the sum insured and, depending on the severity of the injury and the cost of treating the disease. The more severe the injury and its consequences, the greater will be the amount of insurance compensation. insurance payment amount depends on the insured - at the conclusion of the contract he may determine it's size. But if the amount is large, then the cost of insurance is not cheap.

In any case, you need to think twice: Do you have a high probability of the insured event, and whether it makes sense to pay more for insurance that you can, and do not need.

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