{"id":22021,"date":"2025-04-04T15:25:50","date_gmt":"2025-04-04T12:25:50","guid":{"rendered":"https:\/\/www.kariyer.net\/kariyer-rehberi\/?p=22021"},"modified":"2025-04-04T15:59:58","modified_gmt":"2025-04-04T12:59:58","slug":"birikimli-hayat-sigortasi-nedir-avantajlari-dezavantajlari-nelerdir","status":"publish","type":"post","link":"https:\/\/www.kariyer.net\/kariyer-rehberi\/birikimli-hayat-sigortasi-nedir-avantajlari-dezavantajlari-nelerdir\/","title":{"rendered":"Birikimli hayat sigortas\u0131 nedir? Avantajlar\u0131, dezavantajlar\u0131 nelerdir?"},"content":{"rendered":"<p><strong>D\u00fcnya h\u0131zla de\u011fi\u015firken insanlar\u0131n harcama k\u00fclt\u00fcr\u00fc ve yat\u0131r\u0131m \u015fekilleri de farkl\u0131l\u0131k g\u00f6sterir. \u00d6zellikle gelece\u011fine yat\u0131r\u0131m yapmak isteyen ki\u015filer i\u00e7in bir\u00e7ok farkl\u0131 se\u00e7enek sunulur. Art\u0131k yaln\u0131zca d\u00f6vize yat\u0131r\u0131m yapman\u0131n yeterli olmad\u0131\u011f\u0131 d\u00fcnyam\u0131zda yat\u0131r\u0131mlar\u0131n\u0131 alternatif yollarla katlaman gerekir. \u0130\u015fte bu alternatif ve kazan\u00e7l\u0131 y\u00f6ntemlerden birisi birikimli hayat sigortas\u0131d\u0131r. Peki, birikimli hayat sigortas\u0131 nedir?<\/strong><\/p>\n<h2><b>Birikimli hayat sigortas\u0131 nedir?<\/b><\/h2>\n<p><b>Birikimli hayat sigortas\u0131,<\/b><span style=\"font-weight: 400;\"> hem birikim yapman\u0131 hem de hayat sigortas\u0131ndan yararlanman\u0131 sa\u011flayan bir sigorta t\u00fcr\u00fc. Prim iadeli hayat sigortas\u0131 kapsam\u0131nda prim \u00f6demelerine faiz uygulanarak sigorta s\u00fcresi sonunda sana ula\u015ft\u0131r\u0131l\u0131r. Baz\u0131 sigorta t\u00fcrleri d\u00f6viz endeksli \u00e7al\u0131\u015f\u0131r. <\/span><b>Dolar birikimli hayat sigortas\u0131<\/b><span style=\"font-weight: 400;\"> ile d\u00f6vize ba\u011fl\u0131 olarak elde etti\u011fin yat\u0131r\u0131m\u0131n miktar\u0131 artar.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Birikimli hayat sigortas\u0131 genel \u015fartlar\u0131 aras\u0131nda sigortal\u0131 ki\u015finin belirlenen primleri d\u00fczenli olarak \u00f6demesi ilk ko\u015ful. Bu sigortay\u0131 yapt\u0131rd\u0131\u011f\u0131nda d\u00fczenli olarak primlerini \u00f6dersin ve sigorta sonunda elde etti\u011fin mebla\u011f sana taksitle ya da pe\u015fin olarak geri verilir. Sigortal\u0131 ki\u015finin vefat etmesi durumunda ise lehdarlar biriken miktar\u0131 ya da poli\u00e7e teminat\u0131n\u0131 alma hakk\u0131na sahip olur.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<h2><b>Birikimli hayat sigortas\u0131 genel \u015fartlar\u0131<\/b><b><br \/>\n<\/b><\/h2>\n<p><b>Birikimli hayat sigortas\u0131 mevzuat\u0131<\/b><span style=\"font-weight: 400;\"> da t\u0131pk\u0131 di\u011fer sigortalarda oldu\u011fu gibi yasalara g\u00f6re belirlenir. Bunun yan\u0131 s\u0131ra sigorta \u015firketleri poli\u00e7elerinde yer verdikleri \u00f6zel \u015fartlarda kendi kriterlerinden de bahsedebilir. Hayat sigortas\u0131 ciddi bir rahats\u0131zl\u0131\u011f\u0131 olmayan t\u00fcm 18 ya\u015f \u00fcst\u00fc T\u00fcrk vatanda\u015f\u0131na yap\u0131labilir. Genel yasa bu \u015fekilde ilerlerken sigorta \u015firketleri meslek s\u0131n\u0131f\u0131, ya\u015f, sa\u011fl\u0131k durumu vb. kriterlere g\u00f6re sigortal\u0131 aday\u0131n\u0131 kabul etmeme hakk\u0131n\u0131 ellerinde bulundurur.<\/span><\/p>\n<h2><b>Birikimli hayat sigortas\u0131 teminatlar\u0131 ve vergi avantaj\u0131 nas\u0131l hesaplan\u0131r?<\/b><b><br \/>\n<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">\u0130htiya\u00e7 duydu\u011fun sigorta miktar\u0131n\u0131 hesaplarken mutlaka bir uzmandan yard\u0131m almal\u0131s\u0131n. Bunun haricinde baz\u0131 gerekli verileri bilmek de\u011ferlendirme noktas\u0131nda sana yard\u0131mc\u0131 olabilir:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ya\u015f\u0131n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cari ve gelecekteki harcamalar\u0131n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Y\u0131ll\u0131k gelirin<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emeklili\u011fine kalan y\u0131l say\u0131s\u0131<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Varsa \u00e7ocuklar\u0131n\u0131n ya\u015f\u0131, e\u011fitimleri ve evlilikleri<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sana ba\u011fl\u0131 ya\u015fayan insanlar\u0131n say\u0131s\u0131 ve ihtiya\u00e7lar\u0131<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kredi bor\u00e7lar\u0131n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ailene sunmak istedi\u011fin ya\u015fam tarz\u0131<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00c7al\u0131\u015fmayan e\u015f i\u00e7in h\u00fck\u00fcm<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Di\u011fer \u00f6zel ihtiya\u00e7lar<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">T\u00fcm bu verileri toparlad\u0131ktan sonra uzman bir acente ile g\u00f6r\u00fc\u015ferek sana en uygun poli\u00e7eyi haz\u0131rlamas\u0131na yard\u0131mc\u0131 olabilirsin. <\/span><b>Birikimli hayat sigortas\u0131 vergi avantaj\u0131<\/b><span style=\"font-weight: 400;\"> da sa\u011flayabilirsin. E\u011fer \u00fccretli \u00e7al\u0131\u015fansan birikimli hayat sigortas\u0131 i\u00e7in \u00f6dedi\u011fin primlerin yakla\u015f\u0131k %50&#8217;sini vergi indirimi i\u00e7in kullanabilirsin. Serbest meslekle ilgilenen ki\u015filer i\u00e7inse yine ayn\u0131 oran ge\u00e7erli. Bu oran sigorta \u015firketinin sana sundu\u011fu poli\u00e7eye, poli\u00e7enin kapsam\u0131na g\u00f6re farkl\u0131l\u0131k g\u00f6sterebilir. Bu nedenden \u00f6t\u00fcr\u00fc vergi avantaj\u0131ndan yararlanmak i\u00e7in sigorta \u015firketinle ileti\u015fime ge\u00e7melisin.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<h2><b>Birikimli hayat sigortas\u0131 avantajlar\u0131<\/b><b><br \/>\n<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">\u00a0Birikimli hayat sigortas\u0131 avantajlar\u0131 sayesinde yat\u0131r\u0131m yapmay\u0131 kolayla\u015ft\u0131rabilirsin. \u0130\u015fte, avantajlardan baz\u0131lar\u0131:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Birikimli hayat sigortas\u0131 ile birikim yapman kolayla\u015f\u0131r. Zira bu sigorta kapsam\u0131nda d\u00fczenli olarak prim \u00f6dersin ve bu d\u00fczenli \u00f6demelerin sonucunda dilersen toplu para dilersen ayl\u0131k belli bir gelir elde edebilirsin.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Baz\u0131 sigorta \u015firketlerinde sigorta kapsam\u0131nda biriken paran\u0131 senin iznin do\u011frultusunda de\u011ferlendirerek farkl\u0131 yat\u0131r\u0131m ara\u00e7lar\u0131nda de\u011ferlendirebilir. B\u00f6ylelikle elde etti\u011fin gelir miktar\u0131 da artabilir veya ek kazan\u00e7 getirisi olabilir.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sigorta \u015firketleri prim \u00f6demelerinde sigortal\u0131lara kolayl\u0131k sa\u011flamak ad\u0131na \u00f6deme s\u00fcrelerini g\u00fcncelleyebilir. Ayl\u0131k, 3 ayl\u0131k veya 6 ayl\u0131k \u00f6deme se\u00e7enekleri sunan \u015firketler her \u00e7al\u0131\u015fan\u0131n b\u00fct\u00e7esine uygun alternatif yollar sunar.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Poli\u00e7elerin hemen hemen hepsinde sigortal\u0131n\u0131n vefat\u0131 durumunda yak\u0131nlar\u0131na finansal destek sa\u011flan\u0131r.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Birikimli hayat sigortas\u0131 vergi avantaj\u0131 sa\u011flad\u0131\u011f\u0131ndan dolay\u0131 da pek \u00e7ok \u00e7al\u0131\u015fan taraf\u0131ndan tercih edilir. \u00d6zellikle \u00e7al\u0131\u015fanlar ve serbest meslek sahipleri i\u00e7in belirli limitler dahilinde \u00f6denen primler gelir vergisinden d\u00fc\u015f\u00fclebilir.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Baz\u0131 sigorta poli\u00e7elerinde e\u011fitim hayat\u0131na devam eden \u00e7ocuklar i\u00e7in e\u011fitim sigortas\u0131 gibi ek hizmetler sa\u011flanabilir. Bu sayede \u00e7ocuklar\u0131n\u0131n e\u011fitim hayat\u0131 kesintiye u\u011framaz.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sa\u011fl\u0131k sigortas\u0131n\u0131n bir getirisi olarak beklenmedik tedavi masraflar\u0131 veya y\u00fcksek mebla\u011fl\u0131 sa\u011fl\u0131k harcamalar\u0131 sigorta \u015firketi taraf\u0131ndan kar\u015f\u0131lanabilir. Kal\u0131c\u0131 sakatl\u0131k halinde ise sigortal\u0131ya ve sigortal\u0131n\u0131n ailesine poli\u00e7ede belirtilen limitler dahilinde maddi destek imkan\u0131 yarat\u0131labilir.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">D\u00f6viz endeksli birikimli hayat sigortas\u0131 se\u00e7tiysen minimum 10 y\u0131l boyunca hayat\u0131n\u0131 teminat alt\u0131na alm\u0131\u015f olursun. Ard\u0131ndan \u00f6dedi\u011fin primleri dolara endeksli olacak \u015fekilde geri al\u0131rs\u0131n. Dolar\u0131n artmas\u0131na ba\u011fl\u0131 olarak elde edece\u011fini gelir de artm\u0131\u015f olur.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Birikimli hayat sigortas\u0131 aileler i\u00e7in ekstra f\u0131rsatlar sunar. Kira, g\u0131da ve giyim gibi temel ihtiya\u00e7lar\u0131 kar\u015f\u0131layan sigorta sayesinde ailenin ya\u015fam standartlar\u0131n\u0131 belli bir d\u00fczeyde tutmu\u015f olursun.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Baz\u0131 hayat sigortalar\u0131 istem d\u0131\u015f\u0131 meydana gelen i\u015fsizlik durumunda g\u00fcnl\u00fck tazminatlar \u00f6der. \u00c7e\u015fitli sa\u011fl\u0131k sorunlar\u0131 sebebiyle ge\u00e7ici i\u015f g\u00f6rmezlik durumunda ise yine teminatlar sa\u011flan\u0131r.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<h2><b>Birikimli hayat sigortas\u0131 dezavantajlar\u0131<\/b><b><br \/>\n<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Birikimli hayat sigortas\u0131n\u0131n baz\u0131 dezavantajlar\u0131 da bulunur. Birikimli hayat sigortas\u0131 yapt\u0131rmadan \u00f6nce dezavantajlar\u0131 ve avantajlar\u0131 hakk\u0131nda detayl\u0131 bilgi sahibi olmak se\u00e7im a\u015famas\u0131nda sana kolayl\u0131k sa\u011flar. \u0130\u015fte, baz\u0131 dezavantajlar\u0131 \u015funlar:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">E\u011fer sigortan\u0131n getiri oran\u0131 enflasyonun alt\u0131nda kal\u0131rsa al\u0131m g\u00fcc\u00fcn d\u00fc\u015febilir.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Birikimli hayat sigortas\u0131n\u0131n riski banka mevduatlar\u0131na ya da yat\u0131r\u0131m fonlar\u0131na oranla daha d\u00fc\u015f\u00fck oldu\u011fu i\u00e7in getirisi nispeten daha d\u00fc\u015f\u00fck olabilir.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Birikimli hayat sigortas\u0131 uzun vadeli bir yat\u0131r\u0131m t\u00fcr\u00fc. Dolay\u0131s\u0131yla uzun vadeli bir taahh\u00fct gerektirir. Aksi takdirde e\u011fer erken iptal durumu s\u00f6z konusu olursa kesintilerle kar\u015f\u0131la\u015fabilirsin. Sigorta s\u00fcren dolmadan poli\u00e7eyi sonland\u0131rman durumunda birikiminin tamam\u0131n\u0131 alamayabilirsin. En az 10 y\u0131l\u0131 kapsayan birikimli hayat sigortas\u0131n\u0131 tercih etmeden \u00f6nce detayl\u0131ca d\u00fc\u015f\u00fcnmelisin.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Baz\u0131 hayat sigortas\u0131 poli\u00e7elerinde y\u00f6netim giderleri gibi \u00e7e\u015fitli kesintiler uygulanabilir. Bu kesintiler birikimlerinin b\u00fcy\u00fcme h\u0131z\u0131n\u0131 d\u00fc\u015f\u00fcrebilir.<\/span><\/li>\n<\/ul>\n<h2><b>Birikimli hayat sigortas\u0131 hesaplama nas\u0131l yap\u0131l\u0131r?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Prim hesaplamas\u0131 sigortal\u0131n\u0131n ya\u015f\u0131na, mesle\u011fine, \u00e7al\u0131\u015fma s\u00fcresine vb. kriterlere g\u00f6re belirlenir. Hesaplama noktas\u0131nda sigorta \u015firketleri birbirinden farkl\u0131 poli\u00e7eler sunabilir. Bu nedenden \u00f6t\u00fcr\u00fc sigorta \u015firketine karar vermeden \u00f6nce birka\u00e7 farkl\u0131 firmadan teklif almak ve uzmanlardan destek almak sana yard\u0131mc\u0131 olur.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<h2><b>Hayat sigortas\u0131 yapt\u0131rmak zorunlu mu?<\/b><b><br \/>\n<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Hayat sigortas\u0131 zorunlu sigorta t\u00fcrleri aras\u0131nda yer almaz. \u00c7o\u011fu zaman SGK ve GSS gibi sigorta t\u00fcrleri ile kar\u0131\u015ft\u0131r\u0131lsa da hayat sigortas\u0131 yap\u0131lmas\u0131n\u0131 zorunlu k\u0131lan herhangi bir yasa bulunmaz. \u0130ste\u011fe ba\u011fl\u0131 olarak yapt\u0131r\u0131lan hayat sigortalar\u0131 sa\u011flad\u0131\u011f\u0131 pek \u00e7ok avantaj sayesinde tercih edilir. Zira daha g\u00fcvenli bir gelecek vadeden hayat sigortalar\u0131 sayesinde kendini ve sevdiklerini beklenmedik tehlikelere kar\u015f\u0131 g\u00fcvence alt\u0131na alabilirsin.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<h2><b>Birikimli hayat sigortas\u0131n\u0131 kimler yapt\u0131rmal\u0131?<\/b><b><br \/>\n<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Birikimli hayat sigortas\u0131ndan birikim yaparken ayn\u0131 zamanda hayat\u0131n\u0131, yat\u0131r\u0131mlar\u0131n\u0131 g\u00fcvence alt\u0131na almak isteyen herkes yararlanabilir. \u00d6zellikle uzun vadeli ve g\u00fcvenilir bir yat\u0131r\u0131m arac\u0131 tercih etmek isteyenlere ideal bir y\u00f6ntem olarak sunulan birikimli hayat sigortas\u0131 ile sevdiklerinin hayat\u0131n\u0131 da teminat alt\u0131na al\u0131rs\u0131n. Bu sigorta t\u00fcr\u00fc vergi avantaj\u0131ndan faydalanmak isteyenler i\u00e7in de olduk\u00e7a uygun. D\u00fc\u015f\u00fck riskli olmas\u0131 sebebiyle garantili birikim imkan\u0131 sunar ve bu sayede pek \u00e7ok ki\u015fi birikimli hayat sigortas\u0131na y\u00f6nelir. Ayr\u0131ca e\u011fitim sigortas\u0131 gibi farkl\u0131 se\u00e7enekleri de bulunur. \u00d6zellikle \u00fcniversite e\u011fitiminde \u00e7ocu\u011funun maddi zorluk \u00e7ekmemesini isteyenler taraf\u0131ndan tercih edilebilir. E\u011fer \u00fcniversite konusunda maddi \u00e7ekincelerin varsa <\/span><a href=\"https:\/\/www.kariyer.net\/universite-rehberi-blog\/universite-hayati\/burslar\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">\u00fcniversite burslar\u0131<\/span><\/a><span style=\"font-weight: 400;\"> hakk\u0131nda farkl\u0131 se\u00e7eneklere de ula\u015fabilirsin.<\/span><\/p>\n<!-- templates\/buttons-placeholder.php -->\n<div class=\"da-reactions-outer TpostID22021\">\n\t    <div class=\"da-reactions-data da-reactions-container-async center\"\n         data-type=\"post\"\n         data-id=\"22021\"\n         id=\"da-reactions-slot-post-22021\">\n        <div class=\"da-reactions-static\">\n\t\t\t<img src=\"https:\/\/www.kariyer.net\/kariyer-rehberi\/wp-content\/plugins\/da-reactions\/assets\/dist\/loading.svg\" alt=\"Loading spinner\" width=\"48\" height=\"48\" style=\"width:48px\" \/>\n        <\/div>\n    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>D\u00fcnya h\u0131zla de\u011fi\u015firken insanlar\u0131n harcama k\u00fclt\u00fcr\u00fc ve yat\u0131r\u0131m \u015fekilleri de farkl\u0131l\u0131k g\u00f6sterir. \u00d6zellikle gelece\u011fine yat\u0131r\u0131m yapmak isteyen ki\u015filer i\u00e7in bir\u00e7ok farkl\u0131 se\u00e7enek sunulur. Art\u0131k yaln\u0131zca d\u00f6vize yat\u0131r\u0131m yapman\u0131n yeterli olmad\u0131\u011f\u0131 d\u00fcnyam\u0131zda yat\u0131r\u0131mlar\u0131n\u0131 alternatif yollarla katlaman gerekir. \u0130\u015fte bu alternatif ve kazan\u00e7l\u0131 y\u00f6ntemlerden birisi birikimli hayat sigortas\u0131d\u0131r. Peki, birikimli hayat sigortas\u0131 nedir? Birikimli hayat sigortas\u0131 nedir? [&hellip;]<\/p>\n<!-- templates\/buttons-placeholder.php -->\n<div class=\"da-reactions-outer TpostID22021\">\n\t    <div class=\"da-reactions-data da-reactions-container-async center\"\n         data-type=\"post\"\n         data-id=\"22021\"\n         id=\"da-reactions-slot-post-22021\">\n        <div class=\"da-reactions-static\">\n\t\t\t<img src=\"https:\/\/www.kariyer.net\/kariyer-rehberi\/wp-content\/plugins\/da-reactions\/assets\/dist\/loading.svg\" alt=\"Loading spinner\" width=\"48\" height=\"48\" style=\"width:48px\" \/>\n        <\/div>\n    <\/div>\n<\/div>\n","protected":false},"author":12,"featured_media":22022,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_elementor_edit_mode":"","_elementor_template_type":"","_elementor_data":"","_elementor_page_settings":null,"_elementor_conditions":[]},"categories":[2218],"tags":[],"class_list":{"0":"post-22021","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-is-hukuku"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.4 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Birikimli hayat sigortas\u0131 nedir? 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