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הבדיקה הראשונית והייעוץ הבסיסי ניתנים ללא עלות מצד הלקוח.
השירות כולל ניתוח מקצועי, איסוף נתונים והשוואה בין החברות.
במקרים שבהם נדרש ליווי מעמיק יותר – כגון תכנון פרישה, תכנון מס, או בניית אסטרטגיית השקעות רחבה –
ניתן לבחור בשירות מתקדם בתשלום סמלי הכולל ליווי אישי צמוד ויישום מלא של ההמלצות.

","@type":"Answer"}},{"name":"איך זה עובד מול המעסיק?","@type":"Question","acceptedAnswer":{"text":"

אני מסייע לוודא שכל ההפרשות מועברות כראוי, מסביר כיצד לשמור על רצף זכויות מלא,
ומטפל עבורך בכל תהליך הבירור מול החברה הפנסיונית.

","@type":"Answer"}},{"name":"מה קורה במקרה של בעיה רפואית?","@type":"Question","acceptedAnswer":{"text":"

נבדוק יחד את הכיסויים הביטוחיים ונבחן אם יש צורך בהרחבה או התאמה בהתאם למצב הרפואי.

","@type":"Answer"}},{"name":"איך אדע מה הקצבה שאקבל בפרישה?","@type":"Question","acceptedAnswer":{"text":"

תקבל דו״ח מפורט עם תחזית קצבה עתידית לפי נתוני ההפקדות והתשואות הנוכחיות,
ונבחן יחד כיצד ניתן להגדיל את הסכום בעזרת צעדים פשוטים ונכונים.

","@type":"Answer"}}]}],"@context":"https://schema.org"},"is_public":false,"created_at":"2026-05-15T21:53:59.931632+00:00","updated_at":"2026-06-30T04:19:23.253+00:00","faq":[{"answer":"

הבדיקה ‍הראשונית ‍והייעוץ ‍הבסיסי ‍ניתנים ​ללא ‍עלות ​מצד ‍הלקוח.
השירות ‍כולל ‍ניתוח ​מקצועי, ‍איסוף ‍נתונים ​והשוואה ​בין ‍החברות.
במקרים ‍שבהם ‍נדרש ‍ליווי ​מעמיק ​יותר ​– ​כגון ‍תכנון ‍פרישה, ​תכנון ​מס, ‍או ​בניית ​אסטרטגיית ‍השקעות ​רחבה ‍–
ניתן ‍לבחור ‍בשירות ‍מתקדם ​בתשלום ​סמלי ​הכולל ‍ליווי ​אישי ​צמוד ​ויישום ‍מלא ‍של ‍ההמלצות.

","category":"general","question":"זה עולה כסף?"},{"answer":"

אני מסייע לוודא שכל ההפרשות מועברות כראוי, מסביר כיצד לשמור על רצף זכויות מלא,
ומטפל עבורך בכל תהליך הבירור מול החברה הפנסיונית.

","category":"general","question":"איך זה עובד מול המעסיק?"},{"answer":"

נבדוק יחד את הכיסויים הביטוחיים ונבחן אם יש צורך בהרחבה או התאמה בהתאם למצב הרפואי.

","category":"general","question":"מה קורה במקרה של בעיה רפואית?"},{"answer":"

תקבל דו״ח מפורט עם תחזית קצבה עתידית לפי נתוני ההפקדות והתשואות הנוכחיות,
ונבחן יחד כיצד ניתן להגדיל את הסכום בעזרת צעדים פשוטים ונכונים.

","category":"general","question":"איך אדע מה הקצבה שאקבל בפרישה?"}],"country":"Israel","og_image_url":"https://raz-ins.co.il/wp-content/uploads/2023/06/logo-yosef-raz-1-300x300.png.webp","industry_subtype":null,"profile_tier":"free","short_tagline":null,"primary_category":"Insurance Broker","schema_type":"LocalBusiness","primary_address":{"city":"Ness Ziona","region":null,"street":null,"country":"IL","postal_code":null},"geo_coordinates":{"lat":31.9146271,"lng":34.8024788},"service_areas":["Ness Ziona"],"phone":"+972508265788","hours_by_day":[{"day":"monday","open":"09:00","close":"17:00"},{"day":"tuesday","open":"09:00","close":"17:00"},{"day":"wednesday","open":"09:00","close":"17:00"},{"day":"thursday","open":"09:00","close":"17:00"},{"day":"friday","open":"00:00","close":"00:00","is_closed":true},{"day":"saturday","open":"00:00","close":"00:00","is_closed":true},{"day":"sunday","open":"09:00","close":"17:00"}],"price_range":null,"review_summary":{"sources":[{"count":5,"rating":5,"platform":"google"}],"total_count":5,"distribution":{"1":0,"2":0,"3":0,"4":0,"5":5},"average_rating":5,"weighted_reputation_score":3.75},"certifications":[],"years_in_business":null,"founded_year":null,"specialties":["Personalized financial guidance","Tax benefit utilization"],"differentiators":[],"social_profiles":[],"citations":[],"last_verified_at":"2026-05-15T21:53:59.917+00:00","data_sources":["Website Scan","AI Content Analysis"],"languages_supported":["lang=\"he","en"],"profile_language":"en","ai_readability_score":39,"claimed_at":null,"index_status":"listed","industry_category":"Insurance Broker - Pension And Health Insurance","llm_optimized_summary":"Yosef Raz operates as an insurance broker in Ness Ziona, Israel, specializing in pension and health insurance. 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