HAYOTNI SUG‘URTALASH TURLARI KLASSIFIKATSIYASI
Ключевые слова:
Kalit so‘zlar: Hayotni sug‘urtalash, muddatli sug‘urta, umrbod sug‘urta, aralash sug‘urta, universal hayot sug‘urtasi, o‘zgaruvchan sug‘urta, investitsiya va jamg‘arma, sug‘urta risklari, soliq imtiyozlari, moliyaviy rejalashtirish, Keywords: Life insurance, term insurance, whole life insurance, endowment insurance, universal life insurance, variable insurance, investment and savings, insurance risks, tax benefits, financial planning.Аннотация
Annotatsiya: Mazkur maqolada hayotni sug‘urtalashning asosiy turlari: muddatli, umrbod, aralash, universal, o‘zgaruvchan va universal o‘zgaruvchan sug‘urta turlarining tuzilmasi, afzallik va kamchiliklari, moliyaviy rejalashtirishdagi o‘rni yoritilgan. Sug‘urta turlarining investitsiya vositasi sifatida qo‘llanilishi, shuningdek, ularning moslashuvchanlik darajasi, risk darajasi va soliq imtiyozlari tahlil qilingan.
Annotation (in English): This article explores the main types of life insurance: term, whole life, endowment, universal, variable, and variable universal insurance. It highlights their structures, advantages and disadvantages, and their role in financial planning. The article also analyzes the use of these insurance types as investment tools, as well as their level of flexibility, risk, and tax benefits.
