Life insurance with savings components based investment units (UDIs) are more profitable than the dollar insurance because they have greater stability over time, the industry said the specialist, Marco Caparroso.
Professional advisor Seguros Monterrey New York Life said that despite the benefits, most life insurance policies that are engaged in the country are based in dollars, because the trend that had this unit in time is unknown.
It is best to hire a life insurance UDI in dollars, he said during a seminar organized by the Mexican Association of Insurance Institutions (AMIS).
Exemplified a policy purchased in 1995 for a million pesos, which is equivalent to 165 thousand 289 dollars, in case of death of the insured today, the insurer would provide about three million pesos.
However, if he had purchased that policy for a million pesos but in UDIs, if the insured died today their beneficiaries would receive 5.4 million pesos, demonstrating the difference that offers this type of coverage.
Currently, the Udi worth 5.43 pesos, while premiums contracted in dollars consider the exchange rate of the day it is taken, and the sum insured considers the price of the day it becomes valid.
Professional advisor Seguros Monterrey New York Life said that despite the benefits, most life insurance policies that are engaged in the country are based in dollars, because the trend that had this unit in time is unknown.
It is best to hire a life insurance UDI in dollars, he said during a seminar organized by the Mexican Association of Insurance Institutions (AMIS).
Exemplified a policy purchased in 1995 for a million pesos, which is equivalent to 165 thousand 289 dollars, in case of death of the insured today, the insurer would provide about three million pesos.
However, if he had purchased that policy for a million pesos but in UDIs, if the insured died today their beneficiaries would receive 5.4 million pesos, demonstrating the difference that offers this type of coverage.
Currently, the Udi worth 5.43 pesos, while premiums contracted in dollars consider the exchange rate of the day it is taken, and the sum insured considers the price of the day it becomes valid.
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