The programs are purely subsistence savings programs. The insured receives the insured capital at the end of the insurance and if they are alive.
If during the period of insurance the insured dies, then the beneficiaries receive the net premiums paid till that time and the accumulated profits from the investment of the mathematical reserves.
The Insured has the right to buy his contract before the expiry of insurance, collecting some of the stocks.
These contracts allow for loans with favorable interest rates and capital will not be greater than the corresponding stocks.
