transport caini, transport catei, transport caini international, transport catei international, transport pisici, transport pisici international, transport animale, transport animale de companie, transport caini anglia, transport caini germania, transport caini olanda, transport caini franta, transport caini belgia, transport caini pret, transport pisici germania, transport pisici anglia, transport animale anglia, transport animale germania, transport caini romania
Curs Valutar 19-04-2019 0 lei 0 lei

 




A fost lansat Catalogul Persoanelor Fizice Autorizate click aici pentru detalii

ora exacta

avocat Timisoara avocati

cosuri cadou Gourmetgift

Contabilitate Constanta

service frigidere reparatii

Inseo.RO

Curierat rapid Bucuresti

Expert Contabil Constanta

Transport caini

Tigara Electronica Smokemania

Deblocari usi metalice

ponturi pariuri sportive

Generatoare curent

BaniiNostri.ro

reparatie frigidere Bucuresti

Curs Valutar E-ziare.ro


 
Contact & Despre noi
Politica de confidentialitate
SMART financial - © Smart Press
gazduit de www.simpliq.ro


« click pentru a vizualiza toate articolele de la aceasta categorie
Tipareste acest articol Recomanda acest articol
Adaugat in data de 12-07-2011

ING Asigurari de Viata: lansarea Planului Financiar Personal

ING Asigurari de Viata: lansarea Planului Financiar Personal
 Alte stiri la aceasta categorie
Planul Financiar Personal lansat de ING Asigurari de Viata este un instrument unic pe piata din Romania, care inoveaza analiza nevoilor financiare si, totodata, procesul de consiliere in asigurarile de viata. Aplicatia inlocuieste vechiul formular de analiza cu un instrument modern, menit sa creasca nivelul de constientizare a nevoilor financiare atat prin prezentarea unor statistici actuale, cat si prin calculul concret al diferentei dintre situatia financiara actuala si cea dorita de consumator.

Sunt analizate patru nevoi financiare esentiale: nevoia de protectie financiara in caz de deces si invaliditate, asigurarea viitorului copiilor, asigurarea unor venituri suplimentare la pensie si protectie in caz de probleme medicale.

Planul Financiar Personal aduce o serie de elemente inovatoare pentru piata din Romania, raspunzand schimbarilor survenite in nevoile oamenilor si ajutandu-i sa isi vizualizeze propriul viitor financiar.

“Asistam la schimbari profunde ale nevoilor consumatorilor, care sunt tot mai interesati de sfaturi financiare, de claritate si de siguranta. In paralel, insa, nivelul de constientizare cu privire la decalajele cu care se confrunta este inca foarte redus. In fata acestor doua realitati, Planul Financiar Personal de la ING Asigurari de Viata ofera oricarei persoane, indiferent daca alege sa sau nu devina client ING, un instrument prin care sa isi poata intelege corect si, in acest fel, imbunatati propria situatie financiara din viitor”, a declarat Cornelia Aurelia Coman, director general ING Asigurari de Viata.

Una dintre noutatile aduse de Planul Financiar Personal consta in separarea obligatorie a procesului de consiliere in doua etape distincte, inlocuind astfel practica uzuala pe piata romaneasca potrivit careia analiza nevoilor are loc odata cu prezentarea produselor. Astfel, prima intalnire dintre consultantii ING Asigurari de Viata si consumatori, de acum inainte, dedicata analizei nevoilor prin parcurgerea Planului Financiar Personal.
In cea de-a doua intalnire, indiferent daca va deveni sau nu client ING, fiecare persoana va primi tiparit propriul Plan Financiar Personal care va contine un rezumat al intregii sale situatii financiare (total venituri, cheltuieli, venituri disponibile dupa scaderea cheltuielilor, nevoi legate de protectie si economisire, decalaje financiare). In cazul in care aceasta este interesata si de acoperirea decalajelor aflate, sunt prezentate si solutiile.

Un alt element inovator consta in calcularea pe loc a dimensiunii decalajelor financiare, adica a diferentelor dintre situatia financiara actuala si situatia dorita de client. In plus, pornind de la costurile existente pe piata, aplicatia prezinta si o situatie recomandata de specialistii ING, adica sunt evidentiate sumele care ar trebui economisite pentru o acoperire optima a nevoilor financiare pe termen lung.

Tot ca o noutate, pe parcursul procesului de consiliere, clientilor le sunt prezentate statistici relevante pentru fiecare dintre nevoile analizate. Spre exemplu, Planul Financiar Personal include statistici actualizate privind costurile educatiei copiilor in Romania si strainatate, rata de inlocuire a veniturilor la pensionare sau costul diferitelor proceduri si interventii medicale. In plus, consilierea este mai interactiva, pe parcursul acesteia existand inclusiv o sectiune cu intrebari din domeniul financiar.

Intr-o alta sectiune, clientii pot afla pe baza unui scurt chestionar, care este profilul lor de risc investitional si care sunt diferitele tipuri de instrumente financiare care li se potrivesc cel mai bine pe termen scurt, mediu si lung.

Concret, o analiza a nevoilor financiare cu ajutorul Planului Financiar Personal porneste de la trecerea in revista a veniturilor, cheltuielilor si economiilor clientilor, iar apoi cele patru nevoi sunt prioritizate si analizate. In functie de obiectivele fiecarei persoane se calculeaza decalajul atat fata de situatia dorita, cat si fata de o situatie optima recomandata in ceea ce priveste protectia si obiectivele de economisire.

Spre exemplu, o femeie in varsta de 32 de ani, casatorita, cu un copil de 2 ani, doreste ca la majoratul copilului sa poata sustine cheltuielile cu educatia lui pe parcursul a cinci ani de studii universitare. In prezent, dispune de economii pentru educatia celui mic in valoare de 15.000 RON. Conform statisticilor, cheltuielile totale estimate pentru intretinerea copilului pe perioada celor cinci ani de studiu vor fi de 73.000 RON (respectiv 14.600 RON/an). In acelasi timp, conform propriilor posibilitati financiare, pe perioada celor cinci ani in care isi va sustine copilul la studii, familia doreste sa economiseasca 45.000 RON (9.000 RON/an).

“Ne-am dorit sa lansam acest instrument financiar inovator la moment aniversar, cand ING Asigurari de Viata implineste 14 ani de existenta pe piata romaneasca, ca o confirmare in plus a promisiunii facute clientilor nostri, de a le fi mereu aproape si a-i sprijini in demersurile pe care le intreprind pentru un viitor financiar mai sigur”, a declarat Cornelia Aurelia Coman, director general ING Asigurari de Viata..


 » Adauga comentariul tau Comentarii 
 
 
» adauga
crorkz alexz
hohr5K Awesome blog post. Great.
personalised mugs
This is one awesome post.Really thank you! Much obliged.
nobis parka
Great, thanks for sharing this article post.Really thank you! Will read on...
Nevada workers compensation lawyer
Thanks-a-mundo for the article post.Really thank you! Will read on...
Brain Booster
Muchos Gracias for your blog.Really thank you! Awesome.
disability lawyer las vegas
Looking forward to reading more. Great blog article.Really thank you! Great.
Nevada disability lawyer
Appreciate you sharing, great article post.Much thanks again. Awesome.
organik hit
I think this is a real great blog.Really thank you! Keep writing.
jasaseojakartaindonesia blogspot com
Great article post.Really thank you! Really Cool.
google
I think this is a real great blog article.Thanks Again. Will read on...
siirt evden eve nakliyat
Im grateful for the article post.Thanks Again. Really Cool.
custom ink
I value the article.Really looking forward to read more. Cool.
home staging los angeles ca
I value the article post.Really thank you! Keep writing.
How To Earn Extra Money From Home UK
Thanks for the article.Thanks Again. Awesome.
Martial Arts Orange County
Looking forward to reading more. Great post.Thanks Again. Great.
personalised baby onsie
Hey, thanks for the post.Much thanks again. Fantastic.
SEO software
Major thankies for the blog post.Thanks Again. Awesome.
internet marketing
Fantastic article.Thanks Again. Will read on...
Business Coaching
Looking forward to reading more. Great blog. Great.
Buy Google Followers
Looking forward to reading more. Great blog.Much thanks again. Will read on...
software outsourcing company
Very good article post.Thanks Again. Awesome.
Startup Coaching
I think this is a real great article.Really thank you! Keep writing.
Buy Pinterest Followers
Very neat blog post.Really thank you! Great.
Rob Halford
Thanks for sharing, this is a fantastic article.Really thank you! Really Great.
bigboobs
Thanks again for the article.Thanks Again. Much obliged.
Inbox Blueprint 2.0 Review
Thanks for the blog post.Really thank you! Awesome.
printable laundry coupons detergent
Very good post. Want more.
laundry detergent for babies
Thank you for your blog post.Thanks Again. Cool.
toilet paper coupons charmin
Really appreciate you sharing this blog post.Really thank you! Much obliged.
crorkz matz
slAuuP Thanks-a-mundo for the post.
Megapolis hack
Thanks so much for the blog post.Really thank you! Will read on...
free toilet paper coupons
A round of applause for your blog article.Really looking forward to read more.
sunday paper discounts
Fantastic post.Thanks Again. Fantastic.
first row sports basketball
Major thanks for the article.Thanks Again. Awesome.
how much does it cost to finish your basement?
Major thanks for the blog.Thanks Again. Fantastic.
digital door lock
I am so grateful for your post.Thanks Again.
digital door lock
Major thanks for the blog. Great.
photography workshops
I really like and appreciate your blog article.Really looking forward to read more. Much obliged.
photography workshops
Thanks for the blog article.Much thanks again. Really Cool.
mr16 led light bulbs
Enjoyed every bit of your blog article.Much thanks again. Fantastic.
mr16 led bulb
Really enjoyed this blog.Much thanks again. Really Cool.
led down lights
Great blog.Really looking forward to read more. Fantastic.
led downlight
wow, awesome article post.Thanks Again. Will read on...
bathroom resurfacing
Thanks-a-mundo for the blog article.Really thank you! Awesome.
bath repairs
Very informative post. Will read on...
hair extensions liverpool
Thanks for sharing, this is a fantastic blog. Really Great.
hair extensions bankstown
Thanks a lot for the blog article.Really thank you! Keep writing.
iherb coupon
I really liked your blog. Really Cool.
herbal remedies
Very neat post. Great.
Discount Baltimore Ravens
This is one awesome post.Really looking forward to read more. Fantastic.
Budgeting
Thanks so much for the article post.Thanks Again. Want more.
basement finishing ma
wow, awesome blog post.Really looking forward to read more. Really Cool.
downloadfilmexpendables3fullmovie
I really enjoy the article.Really looking forward to read more. Will read on...
NJ Valet Parking
A round of applause for your blog article.Thanks Again. Keep writing.
Free Game
Im thankful for the article post.Much thanks again. Much obliged.
best weight loss plan
Im obliged for the blog post.Thanks Again.
free shipping
Major thankies for the blog article.Really looking forward to read more.
outdoor fun
Really enjoyed this blog post.Really looking forward to read more. Want more.
tampa air conditioning
Muchos Gracias for your blog.Thanks Again. Cool.
cinnamon benefits
Thanks so much for the post.Thanks Again. Want more.
Back Pain Treatment
Im thankful for the blog post.Thanks Again. Awesome.
pr9 backlink
Wow, great article post.Thanks Again. Much obliged.
Forex trading education
Wow, great blog. Want more.
Sore Throat Remedies
I value the blog post.Thanks Again.
Buy Social Bookmarks
Im obliged for the blog article.Really thank you! Much obliged.
sell my house fast
Thank you ever so for you post.Really looking forward to read more. Cool.
Allergy Remedies
Major thankies for the article.Really thank you! Awesome.
enuresis alarm
Major thanks for the blog.Thanks Again. Keep writing.
basketball
Great, thanks for sharing this blog post.Much thanks again. Cool.
indicator
A round of applause for your post.Thanks Again. Will read on...
ipad
I am so grateful for your blog post.Really thank you! Will read on...
acai berry pure max
Thanks so much for the post.Really looking forward to read more. Really Great.
Lasik Hawaii
wow, awesome blog article. Will read on...
voyance gratuite
I really enjoy the blog article.Really thank you! Keep writing.
Twin Cities Radon Inspections
I appreciate you sharing this article post.Much thanks again. Fantastic.
bail bond agency san antonio
I really like and appreciate your blog. Really Cool.
Metal detector
Muchos Gracias for your article post.Thanks Again. Want more.
electric bikes Hamilton
Thanks for the article.Really looking forward to read more. Great.
meladerm pigment reducing complex amazon
Really informative post.Much thanks again. Cool.
Baking
I appreciate you sharing this article post.Thanks Again. Really Great.
black people meet
Thanks again for the article.Much thanks again. Keep writing.
Hip Hop Drum Samples
Great post.Thanks Again. Much obliged.
How Do I Make Money Online UK
Wow, great blog article.Much thanks again. Cool.
MQL4
Very good article.Thanks Again. Really Great.
Key to markets metatrader broker
Thanks for sharing, this is a fantastic post.Really thank you! Fantastic.
Online Game
Im thankful for the article.Really looking forward to read more. Really Cool.
belief
I cannot thank you enough for the blog post.Thanks Again. Much obliged.
money making online
Appreciate you sharing, great article.Much thanks again. Will read on...
BelleNews
Really appreciate you sharing this article.Thanks Again. Really Great.
agen judi terpercaya
A big thank you for your blog.Really looking forward to read more.
best argan oil hair mask
Thanks for sharing, this is a fantastic blog.Much thanks again. Great.
mattew crorkz
WEqq4j I truly appreciate this blog post.Really looking forward to read more. Will read on...
juegos de cocina
I loved your blog. Great.
desktop
I cannot thank you enough for the post.Thanks Again. Really Great.
best medigap plan for 65 years old
Very neat article.Much thanks again. Awesome.
electric cycles
This is one awesome article post.Really looking forward to read more. Keep writing.
seo portland service
Thank you ever so for you article.Thanks Again. Cool.
bbq grills mckinney
I really enjoy the blog article.Thanks Again. Will read on...
Low Uptime Hosting
Appreciate you sharing, great article.Much thanks again. Want more.
arkitektforbundet
Really enjoyed this blog post.Much thanks again. Cool.
which food good for de peins bigger mike
I really liked your post.Really looking forward to read more.
agen togel
Hey, thanks for the blog. Keep writing.
Cayman Islands Independent Directors
Im grateful for the article post.Thanks Again.
kompensation for forsinket flyvning
This is one awesome blog.Much thanks again. Fantastic.
The Expendables 3 (2014) 720p DVDSCR x264-SNG 999MB
Muchos Gracias for your blog.Much thanks again. Awesome.
Brazilian dating sites
Thank you ever so for you article. Will read on...
social
Thank you for your blog post.Thanks Again. Great.
Grow Your Business
Great post.
resume format
I really like and appreciate your article.Really looking forward to read more.
kate spade
I am so grateful for your blog post.Really thank you! Awesome.
lose weight quickly
Great blog.Really thank you! Cool.
basement finishing boston
Great blog post.Really looking forward to read more. Really Cool.
cara buat ID yahoo
Im thankful for the blog article.Really thank you! Awesome.
relationship blogs
I am so grateful for your blog post.Thanks Again. Keep writing.
commercial real estate training
Really informative blog.Really looking forward to read more.
live satellite images
Im grateful for the blog article.Thanks Again. Really Great.
earth view
I really enjoy the blog post. Fantastic.
certified cars
Awesome article.Really looking forward to read more. Will read on...
Dell Printer Driver
Thanks so much for the post.Thanks Again. Really Cool.
Animated Character Design
Very good blog.Really looking forward to read more. Fantastic.
website analyze
Thank you for your blog.Thanks Again. Keep writing.
idle-crawler
Really appreciate you sharing this article post.Much thanks again. Great.
top|PayPal|alternative|what|is|pay|pal|virtual |merchant|alternatives|PayPals|better|than|similar|options|login
Great blog.Much thanks again. Keep writing.
broadband internet
Awesome article. Fantastic.
juegos animales marinos
Very neat blog article.Really looking forward to read more. Awesome.
laptop screen repair liverpool
Great post.Thanks Again.
natural cancer cures
I really enjoy the article.Much thanks again. Fantastic.
Sneaker Release Dates
Appreciate you sharing, great blog.Really thank you! Fantastic.
best cheap crossbow
Say, you got a nice post. Keep writing.
full movies
Thanks so much for the post. Keep writing.
money for your opinion
Muchos Gracias for your blog.Much thanks again. Awesome.
mobistealth reviews
I really enjoy the post. Awesome.
places of interest
Im obliged for the article post.Thanks Again. Cool.
geriatric home care
Really enjoyed this blog. Great.
photoshoots
Enjoyed every bit of your article.
New York Institute Ranking
I cannot thank you enough for the blog article.Really thank you! Keep writing.
online
I appreciate you sharing this article.Really looking forward to read more. Much obliged.
wheel refinishing
Say, you got a nice article.Thanks Again. Much obliged.
live-in home care
I think this is a real great article.Thanks Again. Fantastic.
On Amazon
Hey, thanks for the post.Thanks Again. Great.
cute shorts
Appreciate you sharing, great blog article.Much thanks again. Awesome.
weight loss
I think this is a real great blog.Really thank you! Really Cool.
infographic submission
Thanks a lot for the blog article.Thanks Again. Great.
buy phen375 online
I value the post.Much thanks again. Keep writing.
Hip-Hop News
Im obliged for the article post.Really looking forward to read more. Really Cool.
internet marketing
Thanks-a-mundo for the post. Much obliged.
Bitcoin Nachrichten deutsch
Really appreciate you sharing this post.Really looking forward to read more. Really Cool.
click this link now
Wow, great blog post.Much thanks again. Want more.
international mobile roaming
Enjoyed every bit of your post.Really thank you! Want more.
remove fluoride from water
I cannot thank you enough for the blog post.Really thank you!
best home improvements
Thanks for the article.Really looking forward to read more. Much obliged.
how to remove fluoride from water
Thanks again for the blog article.Really thank you! Really Great.
interceptions
I cannot thank you enough for the blog article. Want more.
cracked
A round of applause for your post.Really thank you! Much obliged.
Earn Money At Home Online
Thank you for your blog post.Really thank you!
promotional
Enjoyed every bit of your article. Great.
cruise in bali
I really liked your blog.Thanks Again. Great.
Optical Express
Really informative blog post.Really thank you! Want more.
Check PNR Status
Major thanks for the article.Thanks Again. Really Cool.
العاب بنات
Appreciate you sharing, great post. Will read on...
wifi hacking
This is one awesome blog article.Really thank you! Fantastic.
commonwealth games
Very neat post.Much thanks again. Keep writing.
local seo services
I really like and appreciate your article. Great.
ingreso cybernetic scam
Im obliged for the blog article. Will read on...
Free Game
Thanks so much for the blog article. Cool.
五月二冬
Very neat blog.Really thank you! Awesome.
2 din dvd players
I really liked your post. Want more.
Nootropic Herbs
Very neat post.Thanks Again. Keep writing.
Making Money Online Easy
I am so grateful for your blog.Thanks Again. Will read on...
grow boxes
Very informative blog.Really thank you! Keep writing.
Making Real Money Online
Very good blog.Much thanks again. Will read on...
Money Making Online UK
I really enjoy the blog article.Really thank you! Great.
العاب تلبيس
I really enjoy the blog article.Much thanks again. Want more.
Melanotan
Appreciate you sharing, great blog article.Really looking forward to read more. Cool.
العاب طبخ
Thanks a lot for the blog article. Want more.
Top Ways To Make Money Online
Enjoyed every bit of your blog article. Really Great.
ralph lauren polo shirts
Hey, thanks for the article.Thanks Again. Will read on...
العاب سيارات
I really liked your blog post.Really looking forward to read more. Really Great.
latest celeb fashion
Thanks-a-mundo for the blog post.Thanks Again. Want more.
ways to make extra money from home
Major thankies for the post.Much thanks again. Fantastic.
credit score
Really enjoyed this blog post. Great.
Money Earning From Home Online
Say, you got a nice blog post.Thanks Again. Will read on...
start to make money online
A big thank you for your blog.Much thanks again. Cool.
mortgage calculators bmo
Im obliged for the blog post. Really Great.
Paris Offshore
This is one awesome blog.Really looking forward to read more. Much obliged.
M88
Thanks again for the blog.Really looking forward to read more. Keep writing.
Online Money Making Opportunities
Really appreciate you sharing this blog.Really looking forward to read more. Fantastic.
what is tomorrowland 2014
A round of applause for your article.Thanks Again. Keep writing.
vps hosting
Awesome blog post.Much thanks again. Really Great.
click to investigate
Thank you ever so for you blog article.Much thanks again. Will read on...
Mobile
Thanks so much for the blog article.Thanks Again. Much obliged.
Content Filtering
Hey, thanks for the blog article. Really Cool.
on the market
I cannot thank you enough for the post.
Motivational / Transformational
I cannot thank you enough for the article post. Cool.
discount shopping
Muchos Gracias for your blog post. Want more.
bitcoin
Thank you ever so for you blog.Much thanks again. Really Great.
marketing
Im thankful for the post. Much obliged.
poker online
A round of applause for your article.Much thanks again. Really Cool.
bulk sms dubai
Appreciate you sharing, great blog.
pool services Tucson|pool cleaners Tucson|pool repair Tucson
I cannot thank you enough for the blog post. Want more.
Turbine ventilator
I really liked your blog. Great.
Work from home|network marketing secrets|network marketing|empower network|blogging tips|marketing tips|make money online|make money blogging
Appreciate you sharing, great blog article. Really Great.
cheap backlinks
dkfkYH I really like and appreciate your blog.Much thanks again.
high pr backlinks
dKcUOT I am so grateful for your article post.Thanks Again. Much obliged.
awesome seo
v7rio0 Im thankful for the blog post.Really thank you! Awesome.
nice penalty removal
CoIbs2 Thank you ever so for you article.Really looking forward to read more. Fantastic.
seo company
amfBSE Thanks a lot for the blog.Thanks Again. Great.
check it out
OCTDXz Very informative article.Much thanks again. Really Great.
check it out
qR19I9 Thanks a lot for the article.Thanks Again. Fantastic.
nice seo guys
X7jfvK Im thankful for the blog.Really looking forward to read more. Will read on...
awesome seo thing
GL6DpW This is one awesome post.Thanks Again. Awesome.
watch this
rLPiJ6 Looking forward to reading more. Great blog post. Want more.
smashing top seo
VLni1Z Im obliged for the blog article. Great.
best link build
kymZHN A round of applause for your article post. Really Cool.
make money online
WMvz8C I think this is a real great post.Thanks Again.
seo service
f8bf7i Appreciate you sharing, great article. Great.
Vicky
Home run! Great sluggnig with that answer!
« click pentru a vizualiza toate articolele de la aceasta categorie
Tipareste acest articol Recomanda acest articol

Recomanda aceasta pagina 
Daca considerati acest articol interesant il puteti recomanda unui prieten folosind formularul alaturat.
 


Newsletter SMARTfinancial


» reset
TVA
+TVA
» arhiva curs valutar