{"id":183,"date":"2012-12-18T14:15:32","date_gmt":"2012-12-18T12:15:32","guid":{"rendered":"http:\/\/drauda.viko.lt\/?page_id=183"},"modified":"2023-06-14T12:13:27","modified_gmt":"2023-06-14T10:13:27","slug":"investicinis-gyvybes-draudimas","status":"publish","type":"page","link":"http:\/\/drauda.viko.lt\/?page_id=183","title":{"rendered":"Investicinis gyvyb\u0117s draudimas"},"content":{"rendered":"<p><a href=\"http:\/\/drauda.viko.lt\/wp-content\/uploads\/2012\/12\/255_m20120816-17262-mmtb4u1.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-197\" src=\"http:\/\/drauda.viko.lt\/wp-content\/uploads\/2012\/12\/255_m20120816-17262-mmtb4u1.jpg\" alt=\"\" width=\"480\" height=\"258\" srcset=\"http:\/\/drauda.viko.lt\/wp-content\/uploads\/2012\/12\/255_m20120816-17262-mmtb4u1.jpg 480w, http:\/\/drauda.viko.lt\/wp-content\/uploads\/2012\/12\/255_m20120816-17262-mmtb4u1-300x161.jpg 300w\" sizes=\"auto, (max-width: 480px) 100vw, 480px\" \/><\/a><\/p>\n<p><strong>Investicinis gyvyb\u0117s draudimas<\/strong> \u2013 tai produktas, skirtas taupyti, taip pat leid\u017eiantis u\u017esitikrinti finansin\u012f saugum\u0105 nelaim\u0117s metu. Tai investicija, kuri metams b\u0117gant atsiperka su kaupu: visame pasaulyje investicinis gyvyb\u0117s draudimas vertinamas d\u0117l to, kad suteikia galimyb\u0119 i\u0161 anksto pasir\u016bpinti savo ir savo artim\u0173j\u0173 finansine ateitimi.<\/p>\n<p><strong>Investicinio gyvyb\u0117s draudimo privalumai:<\/strong><\/p>\n<ul>\n<li>J\u016bs investuojate ir tuo pa\u010diu taupote;<\/li>\n<li>galite rinktis, kam skirti prioritet\u0105 \u2013 kaupimui ar draudimo apsaugoms (draud\u017eiantis investiciniu gyvyb\u0117s draudimu galima pasirinkti tokias papildomas apsaugas: kritini\u0173 lig\u0173 draudim\u0105, draudim\u0105 nuo nelaiming\u0173 atsitikim\u0173 invalidumo atveju (stambios traumos) bei draudim\u0105 nuo nelaiming\u0173 atsitikim\u0173 vis\u0173 traum\u0173 atveju (smulkios, vidutin\u0117s ir stambios traumos));<\/li>\n<li>patikimi investiciniai fondai, turintys auk\u0161tus reitingus;<\/li>\n<li>viena sutartimi galima apdrausti ir \u0161eimos narius;<\/li>\n<li>galioja mokes\u010di\u0173 lengvatos.<\/li>\n<\/ul>\n<p><strong>Draudimo i\u0161moka<\/strong><\/p>\n<ul>\n<li>Apdraustojo asmens mirties atveju yra i\u0161mokama did\u017eiausia rinkos i\u0161moka, t.y. bazinio draudimo gyvyb\u0117s draudimo sumos, papildomo gyvyb\u0117s draudimo sumos, mirties nuo nelaimingo atsitikimo (jei apdraustasis mir\u0161ta d\u0117l nelaimingo atsitikimo) bei sukauptos vert\u0117s suma.<\/li>\n<li>Pasibaigus draudimo laikotarpiui, pagal sutart\u012f investuotos l\u0117\u0161os i\u0161mokamos kartu su investicine gr\u0105\u017ea. Sukaupta pinig\u0173 suma priklausys nuo J\u016bs\u0173 pasirinktos investavimo krypties pelningumo, \u012fmok\u0173 dyd\u017eio ir pasirinktos draudimo sumos.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Investicinis gyvyb\u0117s draudimas \u2013 tai produktas, skirtas taupyti, taip pat leid\u017eiantis u\u017esitikrinti finansin\u012f saugum\u0105 nelaim\u0117s metu. Tai investicija, kuri metams b\u0117gant atsiperka su kaupu: visame pasaulyje investicinis gyvyb\u0117s draudimas vertinamas d\u0117l to, kad suteikia galimyb\u0119 i\u0161 anksto pasir\u016bpinti savo ir&#8230; <a class=\"more-link\" href=\"http:\/\/drauda.viko.lt\/?page_id=183\">Continue Reading &rarr;<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":172,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"footnotes":""},"class_list":["post-183","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"http:\/\/drauda.viko.lt\/index.php?rest_route=\/wp\/v2\/pages\/183","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/drauda.viko.lt\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"http:\/\/drauda.viko.lt\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"http:\/\/drauda.viko.lt\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/drauda.viko.lt\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=183"}],"version-history":[{"count":6,"href":"http:\/\/drauda.viko.lt\/index.php?rest_route=\/wp\/v2\/pages\/183\/revisions"}],"predecessor-version":[{"id":2105,"href":"http:\/\/drauda.viko.lt\/index.php?rest_route=\/wp\/v2\/pages\/183\/revisions\/2105"}],"up":[{"embeddable":true,"href":"http:\/\/drauda.viko.lt\/index.php?rest_route=\/wp\/v2\/pages\/172"}],"wp:attachment":[{"href":"http:\/\/drauda.viko.lt\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=183"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}