Life: Ten life insurance contract without charge or at reduced fees offered online Symphonis is one of the few players offering life insurance contracts to lower fees, sometimes even zero. In addition, life insurance contracts Symphonis offered several advantages: They are fast like how there is no need to make an appointment with his insurance agent, your broker or advisor wealth management or even to go to his bank branch, these contracts can be purchased via the Internet.
these ten contracts, " Kapital-direct" the new product launched by Placement-direct has two unique features: not only this product is among the least expensive contracts with its cost of Entry modest (0.75% capped at 150 euros) and the weakness of its annual management fees (0.60% on euro fund and 0.75% on the units of account) but it is also a contract that meets the demands of Internet-savers.
Indeed, an analysis conducted with 3,000 clients and contacts helped investigate more than 500 questionnaires. Thus, a " specification requirements " was developed to build the ideal contract. Kapital-direct has a fifty media and to open the contract a sum of 1,000 euros is sufficient.
The percentage of management fees is rarely taken into account by purchasers of life insurance. Wrongly, because this amount has a significant effect: some tenths of management fees and more each year weigh more heavily on the contract one or two points of entry fees and more.
Management fees are, in effect, annual and recurring, while entrance fees are paid once and for all. It is preferable to opt for a contract that extracts, for example, an entrance fee of 1% and management fee of 0.80% rather than a contract that does not charge entrance fees, but asks management fee of 1%.
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