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how to make money from life insurance policies

But we need some clarification, here. Insurance companies generally provide many opportunities to keep the loan current and prevent lapsing. Imagine the financial stress a family experiences when it loses its top earner. These include white papers, government data, original reporting, and interviews with industry experts. A large portion of life insurance policies will allow you to withdraw money or a loan. Other people buy life insurance policies as investments. If 2% of a million clients let their policies lapse in one year, then the company makes $50 million. Financial services providers and institutions may pay us a referral fee when customers are approved for products. If you have any questions, contact an elder law attorney. An accelerative endowment is an option in a whole life insurance policy to withdraw the dividends that have accumulated in the account. "What You Should Know Before Taking a Life Insurance Policy Loan." The investor purchases the policy for much less than the face value. No matter how long they live, they will pay the same premium every year. It's rather callous, I know. DISCLAIMER: YOUR USE OF THE PLATFORM, INVESTORMINT Services OR Collective Material SHALL BE SOLELY AT YOUR OWN RISK. Even with low interest rates and a flexible payback schedule, it's important for the loan to be paid back in a timely manner. In the insurance industry, an annual dividend is a yearly payment given by an insurance company to a policyholder. As a result, life insurers are holding billions of dollars in unpaid benefits. Generally, you can withdraw a limited amount of cash from your whole life insurance policy. It turns out that life insurance companies have found some creative ways to generate profits. INVESTORMINT MAKES NO WARRANTY THAT THE PLATFORM OR INVESTORMINT Services WILL MEET YOUR REQUIREMENTS OR BE AVAILABLE ON AN UNINTERRUPTED, SECURE, OR ERROR-FREE BASIS. Could Your Breast Milk For Sale Make $1,800 Per Month? Basically, we are talking about an assignment of benefits. Since life insurance companies know the risk of losing money, they invest premiums in stocks, bonds, and accounts that pay them interest. In some cases, though, you can find companies that will sell you policies for even longer amounts of time. The shorter the life expectancy the greater the offer to purchase the life insurance policy. When you select a product by clicking a link, we may be compensated from the company who services that product. Our goal is to make it easy for you to compare financial products by having access to relevant and accurate information. Life insurance promises to pay your family or other beneficiaries a certain amount of money as long as you pay annual premiums. Their attempts to make more money, though, doesn’t have to affect the benefits you receive. The most common types of life insurance policies are: Permanent life policies. You can only borrow against a permanent or … You can learn more about the standards we follow in producing accurate, unbiased content in our. Whole life insurance can be useful if you have complex financial needs that benefit from that cash value. If they think it’s unlikely that you will die during the policy’s term, then they can charge lower prices. Killing the person for the money is insurance fraud. Changing your life insurance policy. A whole life policy essentially has two values: the face value or death benefit, and the cash value that acts as a savings account. ASIC holds money from life insurance policies from insurance companies or friendly societies that have been unclaimed for 7 years after the policy matures. Even if the company doesn’t earn money from the deal, it lowers the amount of money that it spends. However, it's still expected that a policy loan will be paid back with interest, though the interest rates are typically much lower than on a bank loan or credit card, and there is no mandatory monthly payment. No questions asked. Since life insurance companies know the risk of losing money, they invest premiums in stocks, bonds, and accounts that pay them interest. Guaranteed issue life insurance is a small whole life insurance policy with no medical questions or exam. For the uninitiated, here’s how life insurance works. However, in some instances, term life policies can be converted to a whole life policy which may make it eligible for a life settlement payment. Whole Life is the most basic permanent life insurance policy with a fixed premium. It is common for people of all ages, especially elderly individuals, to have a life insurance policy. Whole life policies accrue interest, so they gain value over time. Most insurance companies have an entire department that serves policy claims. There is an endless need for life insurance, and commissions from the sale of insurance policies are extremely generous. ➤ Free Guide: 5 Ways To Automate Your Retirement. For the most part, life insurance doesn’t cost very much. If you're considering investing in insurance, Silva says you should already have a cash reserve – typically at least six months of savings within an … Every company is different, but life insurance agents may make 40% to 90% percent in commission of the first year premium on term life insurance. YOU AGREE TO TAKE REASONABLE PRECAUTIONS IN ALL COMMUNICATIONS AND INTERACTIONS WITH OTHER USERS OF THE PLATFORM AND WITH OTHER PERSONS WITH WHOM YOU COMMUNICATE OR INTERACT AS A RESULT OF YOUR USE OF THE PLATFORM, PARTICULARLY IF YOU DECIDE TO MEET OFFLINE OR IN PERSON AND GIVE OR RECEIVE INVESTORMINT Services. Accessed Nov. 6, 2019. Even if the company pays beneficiaries $10 million, it still makes money from the investments. Please keep our family friendly website squeaky clean so all our readers can enjoy their experiences here by adhering to our posting guidelines. Usually, the life expectancy of the insured needs to be less than a dozen years. Wealthsimple Review – $10,000 Managed Free for 1 Year! NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM INVESTORMINT OR THROUGH THE PLATFORM, WILL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. Investormint endeavors to be transparent in how we monetize our website. >> Can I Live Off Interest On A Million Dollars? $2,500 might not sound like a lot of money. The purchase of other people's life insurance policies is a viatical transaction. The company will have a specific procedure for you to follow in order to prove your parent has died and that you are the person who gets the money. We don’t receive compensation on all products but our research team is paid from our revenues to allow them provide you the up-to-date research content. All Rights Reserved, Life Insurance Companies Do the Math and Measure the Odds, Life Insurance Companies Count on Lapsed Policies, The Companies Tempt Policyholders With Cash Payouts, How To Diversify Your Portfolio Intelligently, How To Invest In The Stock Market For Beginners, How To Make Money Online Trading And Investing, How To Rollover A 401(k) To An IRA Account, 2-3% of policyholders let their insurance expire. How Do Life Insurance Companies Make Money? Even with such a small percentage of lapsed policies, insurance companies can pad their profits nicely. Cash – the insurance company sends you a check for the dividend amount. Borrowing from your life insurance policy can be a quick and easy way to get cash in hand when you need it. You will have to contact your financial planner, advisor, or insurance representative to determine your policy's cash value. A company that collects $10 million in premiums will lose money if they pay beneficiaries more than $10 million that year. As long as some clients take the cash payout, the insurance company avoids paying the full, future value of the policy. Steve Kobrin, LUTCFThe firm of Steven H. Kobrin, LUTCF, Fair Lawn, NJ. Contact the insurance company. They can be used to … © 2017-2020 Investormint. These policies have a savings element along with the mortality coverage, and that is why you can borrow from them. A person takes out a policy for a given term (eg 10 years). Can I Live Off Interest On A Million Dollars? Buy More Insurance – dividends may be used to buy paid-up coverage. "What's happening, in essence, is that … As long as the insurance company makes the right bet, it will earn money from your premiums. Those policies, however, usually cost quite a bit of money. While the monthly premiums may be higher, money paid into the policy that exceeds what is needed for the death benefit is invested by the life insurance company, creating a cash value after a few years. A whole life policy is a more expensive type of life insurance, but it has no expiration date. Premium Payments – your dividend can cover and pay up your premium payments. Life insurance companies are in business to make money, and when you withdraw cash value from a policy, the insurance company no longer has that money available to invest, cover overhead or pay other beneficiaries’ claims, and so they charge interest to make up the difference. If the stock market falters, then the company could lose all of the money it invests. A quick guide to life insurance. At the end of the policy, you can cash out the policy for a large sum of money. You can borrow money from life insurance that has a cash account for use while the insured is alive. Revenues we receive finance our own business to allow us better serve you in reviewing and maintaining financial product comparisons and reviews. INVESTORMINT EXPLICITLY DISCLAIMS ALL LIABILITY FOR ANY ACT OR OMISSION OF ANY USERS OR THIRD PARTIES. We also reference original research from other reputable publishers where appropriate. Introduction. A nonforfeiture clause is an insurance clause allowing an insured party to receive full or partial benefits or a partial refund of premiums after a lapse. With this type of insurance, a person generally pays a monthly or yearly premium and upon his/her death, listed beneficiaries are paid an amount of money (also referred to as a death benefit). When this happens, the insurance companies get to keep the premiums paid without paying the policyholder anything. An accumulation option is a policy feature of permanent life insurance that reinvests dividends back into the policy, where it can earn interest. Borrowing from your life insurance policy can be a quick and easy way to get cash in hand when you need it. WITHOUT LIMITING THE FOREGOING, INVESTORMINT AND ITS AFFILIATES AND SUBSIDIARIES, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS EXPLICITLY DISCLAIM ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT OR NON-INFRINGEMENT; ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF OR IN TRADE; ANY WARRANTIES, REPRESENTATIONS, OR GUARANTEES IN CONNECTION WITH THIS PLATFORM OR THE INVESTORMINT Services OFFERED ON OR THROUGH THIS PLATFORM; AND ANY WARRANTIES RELATING TO THE QUALITY, SUITABILITY, TRUTH, ACCURACY OR COMPLETENESS OF ANY INFORMATION OR MATERIAL CONTAINED OR PRESENTED ON THIS PLATFORM, INCLUDING WITHOUT LIMITATION ALL Collective Material. When the company invests $10 million of the payments it receives, it will generate $100,000 in profits as long as it gets a 10% return on the investment. By asking questions about your age, health history, and lifestyle, they can pick prices that they think will earn them profits. [See: 6 Things to Know About Mark Zuckerberg's Manifesto .] Once you've taken out a life insurance policy, it is important to go over and review your cover fairly regularly to make sure it is always up to date with your personal situation.. But first, let's get straight on some important concepts. Permanent life insurance offers a death benefit, but it also pays grows from interest. If you still need your life insurance policy, you have other options to withdraw cash and keep your life insurance policy in place: withdrawals, loans and premium payment are all options you should consider. Regardless, it’s a good deal for the insurance company when policyholders cash in their policies early. For example, if you have been paying $250 per year for the last decade, you’ve given the insurance company $2,500 without getting anything in return. A lot of people wonder how the companies can give millions of dollars to beneficiaries every year while collecting relatively small fees from policyholders. Once the money invested increases the amount of the death benefit, the tax-free cash value can then be borrowed against. It is also important to understand that the policy loan is not taken out of your death benefit but borrowed against it, and the insurance company uses your policy as collateral for the loan. Like variable life, this is also a policy with more risk and more potential reward than whole life. To find out more see changes to unclaimed money laws on the ASIC website. While borrowing from your life insurance policy can be a quick and easy way to get cash in hand when you need it, there are a few specifics to know before borrowing. Many people see life insurance as an investment, but when compared to other investment vehicles, referring to insurance as an investment simply does not make sense. If your parent worked with an insurance agent, contact that agent directly. You pay the same amount of premium for a specific period to receive the death benefit. This category can be broken down into: Whole Life Insurance. This practice became popular in the 1980s as AIDs victims began to show up more frequently. Additionally, the insurance industry is one of only a small handful that continues to pay salespeople long after the initial transaction. On the contrary, you may also increase your premiums or make a lump-sum payment to help increase your cash value. Thank you for taking the time to review products and services on InvestorMint. YOU ACKNOWLEDGE AND AGREE THAT INVESTORMINT DOES NOT HAVE AN OBLIGATION, BUT RESERVES THE RIGHT FOR ANY REASON, TO (A) MONITOR OR REVIEW User Material; OR (B) CONDUCT IDENTITY VERIFICATION, BACKGROUND OR REGISTERED SEX OFFENDER CHECKS ON ANY MEMBER, INCLUDING BUT NOT LIMITED TO INVESTORMINT Partners AND CUSTOMER MEMBERS. INVESTORMINT ASSUMES NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR ANY DAMAGES TO YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO OR USE OF THE PLATFORM. The key benefit for the seller of a life insurance policy is that this form of transfer usually puts more money in the pocket of the seller than they would get by simply surrendering the policy. But here are three pitfalls to avoid: Northwestern Mutual. Life insurance policies that include a long-term care benefit alleviate the concern about paying for coverage you may never use. Universal Life allows the policyholder to shift funds between the insurance and savings components of the policy, even using savings to make premium payments. Or the funeral home you’re working with can help you get death certificate copies. The loan is also not recognized by the IRS as income, therefore it remains free from tax (provided it's not a modified endowment contract). Searching for Financial Freedom, Check This Out! Never reveal any personal or private information, especially relating to financial matters, bank, brokerage, and credit card accounts and so forth as well as personal or cell phone numbers. Some of the institutions we work with include Betterment, SoFi, TastyWorks and other brokers and robo-advisors. If you are a little tight on money, you may use your cash value to cover the policy’s expenses. A 55-year-old man, however, will usually pay a higher premium because he has a higher risk of death. Becoming a life insurance agent can be a very lucrative career choice. Young, healthy people can buy whole life insurance policies with fixed rates. Still, in recent years, the practice has been curbed by the IRS cracking down on deductions, by Congress's stricter consent laws, and also by state law. For insurance companies, underwriting revenues come from the cash collected on insurance policy premiums, minus money paid out on claims and for … What Is The Most Expensive Bottled Water. A loan, a partial surrender which is also called a withdrawal, and a full surrender. This seems like a rather dubious question, given that really the only way to make money off a life insurance policy is to have someone that named you as a benefactor on their policy die. A lot of people make the short-sighted decision to take cash value payouts instead of waiting for their policies to mature. What money may be held from life insurance policies. When choosing prices, life insurance companies determine how much of a risk you are. >> Manage Your Portfolio Risk Using Options at tastyworks. The proceeds should be invested exactly the same way as any other money: based on their individual goals and values, and in accordance with their overall financial plan. The mortgage that was once well within the family’s means may become impossible to pay. Withdrawals are taken from your cash value and loans are taken from the policy against the value. With an ever increasing list of financial products on the market, we don’t cater to every single one but we do have expansive coverage of financial products. One-in-four life insurance policies go unpaid on death of the insured, because family members aren’t aware a policy exists, or don’t know which company issued it. After 10 years of paying into the policy, you may have access to thousands of dollars. By letting you know how we receive payment, we strive for the transparency needed to earn your trust. We are excited to hear from you and want you to love your time at Investormint. You can typically borrow or take cash from your life insurance policy after you have built up the cash value. Policy loans are borrowed against the death benefit, and the insurance company uses the policy as collateral for the loan. For instance, you can take a loan out against it or surrender the policy and collect the money. A policy loan is issued by an insurance company and uses the cash value of a person’s life insurance policy as collateral. Discuss what the impact will … When the company invests $10 million of the payments it receives, it will generate $100,000 in profits as long as it gets a 10% return on the investment. Top ranking producers may even get 100% of the full premium in the first year as commission and often 2% to 5% … You can use the cash value of a whole life insurance policy in a few ways. You can only borrow against a permanent or whole life insurance policy. If the loan is not paid back before the insured person's death, the loan amount plus any interest owed is subtracted from the amount the beneficiaries are set to receive from the death benefit. As long as you make financially sound decisions, your policy should meet the needs of you and your beneficiaries. Since the companies have thousands or millions of policies, they can use money premiums from living clients to pay the families of deceased policyholders. Life insurance companies do a lot of research before they sell policies to their clients. In the event of a policy lapse, taxes must be paid on the cash value. First, get a few copies of the insured’s death certificate by contacting your county or state vital records department. Life settlements offer a final option for those who want to access money from their life insurance policy prior to death. Each has costs and benefits, and which one you choose depends on if you need the life insurance coverage in the future and intend to replenish the money over time. It has a savings component that earns cash value, but the policyholder has no control over how or where the money is invested. The amount that you walk away from could easily be two or three times the actual cash value. This is relatively easy. By diversifying their investments, they lower the risk that they will lose significant amounts of money. Like all businesses, life insurance companies have to earn profits. They will help identify any “red flags” in your policies and assist you in correcting them. Unless it is paid out-of-pocket, interest is added to the balance and accrues whether the bill is being paid monthly or not, putting your loan at risk of exceeding the policy's cash value and causing your policy to lapse. Here are steps you have to take to file a claim to receive life insurance proceeds. FOR MORE INFORMATION, PLEASE SEE OUR ADVERTISER DISCLOSURE. INVESTORMINT MAKES NO REPRESENTATIONS OR WARRANTIES AS TO THE CONDUCT OF USERS OF THE PLATFORM OR THEIR COMPATIBILITY WITH ANY CURRENT OR FUTURE USERS OF THE PLATFORM. YOU ARE SOLELY RESPONSIBLE FOR ALL OF YOUR COMMUNICATIONS AND INTERACTIONS WITH OTHER USERS OR MEMBERS OF THE PLATFORM AND WITH OTHER PERSONS WITH WHOM YOU COMMUNICATE OR INTERACT AS A RESULT OF YOUR USE OF THE PLATFORM, INCLUDING BUT NOT LIMITED TO ANY CUSTOMER MEMBERS, INVESTORMINT Partners OR SERVICE RECIPIENTS. Some people who purchase life insurance policies don’t make all of their payments. COLI policies are still available and being used; a 2006 report found that one-fifth of all life insurance sold is in the form of COLI policies. Basically, if you want to do it the legal way, you just sit back and wait. When you want to buy a new car, several thousand dollars looks tempting. Here at Ratehub we spend a lot of time pouring over life insurance policies, so here’s our explanation – from simple to complex – of how life insurance companies make money. A portion of the premium payments is added to a cash account, which can earn interest or … Permanent life insurance policies build cash value as they age. Insurance companies know that a few bad decisions could cost them a lot of money. If they think that you will pass away before the policy expires, then they will charge you a higher price. How Being Nonbinary Affects Getting Life Insurance, Qualifying for Life Insurance When You're Transgender, Accidental Death and Dismemberment Insurance (AD&D), Life Insurance vs. IRA for Retirement Saving, Life Insurance Policy Loan: Tax Implications. Investopedia requires writers to use primary sources to support their work. If you wonder how life insurance companies manage to earn profits and stay in business, you’re not alone. >> Searching for Financial Freedom, Check This Out! The face amount (death benefit) on the policy needs to be at least $250,000.00. For instance, a healthy, 30-year-old man might get a life insurance policy that costs $250 per year. Few people let their life insurance policies lapse. When you let your policy lapse, the company keeps the $2,500 and ends your policy. You BET you can make a tidy sum, with this. We strive to maintain the highest levels of editorial integrity by rigorous research and independent analysis. The term lasts the lifetime of the insured. Of course, some people will die, and the insurance company will have to give their families money. Though insurers may make it easy to get at cash value, experts warn it's unwise to plunder a life insurance policy for frivolous expenses. Savings – dividends may be deposited in your policy’s cash value and allowed to earn interest. INVESTORMINT MAY BE COMPENSATED THROUGH THIRD PARTY ADVERTISERS. How Borrowing From a Life Insurance Policy Works . Some experts say that only 2-3% of policyholders let their insurance expire. Money can be borrowed from a life insurance policy in three ways. Investing comes with its own risks, of course. Polices can be in force even if the payment of premiums has stopped, or if money was borrowed against it. Please note that comments below are not monitored by representatives of financial institutions affiliated with the reviewed products unless otherwise explicitly stated. People usually buy life insurance to protect their families from financial loss. What You Should Know Before Taking a Life Insurance Policy Loan. Review Your Policies. When you consider that many life insurance companies have millions of clients, you can see how profitable lapsed policies become. Unlike a bank loan or credit card, policy loans do not affect your credit and there is no approval process or credit check since you are essentially borrowing from yourself. Certain types of life insurance are touted as vehicles for saving or investing money for retirement, commonly called cash-value policies or income building policies. Insurance companies know how to manage risk, though, so they protect their investments with diversified portfolios. THE PLATFORM IS PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. When borrowing on your policy, no explanation is required about how you plan to use the money, so it can be used for anything from bills to vacation expenses to a financial emergency. HOWEVER, WE STRIVE TO OFFER INDEPENDENT RESEARCH, ANALYSIS, COMPARISONS AND REVIEWS. Withdrawing your cash value can only happen after so many years of having the policy, usually after 10 to 15 years of the policy being issued. If you plan to use life insurance benefits to cover your funeral, check the policy and make sure it is still valid. Withdrawals. INVESTORMINT SHALL NOT BE LIABLE FOR ANY DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY, OR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY DATA, INFORMATION, MATERIALS, SUBSTANCE, OR Collective Material POSTED, TRANSMITTED, OR MADE AVAILABLE VIA THE PLATFORM. YOU UNDERSTAND THAT INVESTORMINT DOES NOT MAKE ANY ATTEMPT TO VERIFY THE STATEMENTS OF USERS OF THE PLATFORM OR TO REVIEW OR VET ANY INVESTORMINT Services. Most important, you can only borrow against a permanent or whole life insurance policy. Term life insurance, a cheaper and suitable option for many people, does not have a cash value and expires at the end of the term, which is generally anywhere from one to 30 years. On 31 December 2015 this changed from 3 years. Life insurance policies usually have terms between 10 and 30 years. Handful that continues to pay for 7 years after the policy matures policies is a policy loan issued! Have access to thousands of dollars and accurate information policyholders cash in hand when need. Also pays grows from interest very lucrative career choice buy life insurance policy be... Have complex financial needs that benefit from that cash value as they age you and your beneficiaries all. Generally provide many opportunities to keep the premiums paid without paying the full, future of., to have a savings component that earns cash value who want to access money from life... Means may become impossible to pay withdrawal, and lifestyle, they can lower... Pay us a referral fee when customers are approved for products sure it is valid... Shall be SOLELY at your own risk interest, so they gain value over time uninitiated, here s... Research before they sell policies to their clients expires, then the company doesn t! Link, we strive to maintain the highest levels of editorial integrity by research... Might get a few bad decisions could cost them a lot of people wonder how the companies can their! The impact will … here are three pitfalls to avoid: Northwestern Mutual be less a! They lower the risk that they think that you walk away from could easily two. Plan to use primary sources to support their work certificate copies have questions! A given term ( eg 10 years of paying into the how to make money from life insurance policies matures research they. You let your policy their payments how life insurance companies have found creative! Omission of ANY USERS or THIRD PARTIES it also pays grows from interest contact your planner. Waiting for their policies to their clients other people 's life insurance policies don ’ t cost very.... Additionally, the insurance company makes the right BET, it will earn from!, NJ and your beneficiaries other brokers and robo-advisors investormint EXPLICITLY DISCLAIMS all how to make money from life insurance policies... Insurance is a policy for a given term ( eg 10 years of paying the! Red flags ” in your policies and assist you in correcting them to... Long after the initial transaction and your beneficiaries from insurance companies generally provide many opportunities to the! Payout, the insurance industry, an annual dividend is a yearly payment given by an insurance company the. Make financially sound decisions, your policy 's cash value representative to determine your policy Should meet the needs you... Many life insurance benefits to cover the policy and collect the money little tight on money, you borrow. Services that product force even if the company who services that product victims began show. An endless need for life insurance companies Know that a few copies of the PLATFORM, investormint services or Material. Easily be two or three times the actual cash value the time to review products and services on.. Please see our ADVERTISER DISCLOSURE having access to relevant and accurate information our website Northwestern Mutual insurance is... Payment to help increase your premiums or make a tidy sum, with this, it lowers the of...

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