Starting a family
Dowry Insurance
This makes it possible for you to ensure money for your child's easier entry to independent life.
Profile of the dowry insurance
- We pay out the sum assured upon the occasion of the child's wedding if it occurs within seven years after expiry of the policy (i.e., up to the child's twenty-fifth year).
- In the event that the child does not get married, the sum assured is paid out to the insured party at the latest seven years after expiry of the policy.
- The sum assured is regularly increased from the dividends of the company.
- The anti-inflation programme offers an increase in the sum assured as well as premiums to keep pace with the rate of inflation (even in the event of the death of the insured party).
Junior Plus Unit Linked
This offers you the possibility of saving while taking out insurance protection for your child. The sum that your children will receive from you when they come of age will be an important source of finance to help them make a successful start in life.
Profile of the Junior Plus Unit Linked insurance
- You can take out insurance for children between the ages of 3 months and 20 years.
- The premiums paid are divided into a sum allocated to accidental insurance and a sum allocated to savings. Moreover, the insurance protection element can also be extended by taking out insurance for a daily hospitalisation allowance for the child.
- The portion of the premium payments allocated to accidental insurance is fixed.
- The sum assured for the child in the event of accident is fixed by a certain percentage to the capital sum assured of 300,000 CZK, depending on the nature of the accident.
- You yourself can influence the level of the amount allocated to savings through your choice of the level of premium.
- You can increase the savings element of the insurance policy at any time during its lifetime by depositing additional money in the form of extraordinary premiums.
- The insurance automatically comprises a guaranteed capital sum assured of 10,000 CZK in the case of the death of the insured.
- The insurance always terminates on the child reaching the age of 25 when the full amount saved is paid out.
Junior Top Unit Linked
This offers you the possibility of saving while taking out insurance protection for your child. The sum that your children will receive from you when they come of age will be an important source of finance to help them make a successful start in life.
Profile of the Junior Top Unit Linked insurance
- You can take out insurance for children between the ages of 3 months and 20 years.
- The sum assured for the child in the event of accident is fixed by a certain percentage to the capital sum assured of 300,000 CZK, depending on the nature of the accident.
- The insurance automatically comprises a 10,000 CZK plus capitalized value in the case of the death of the insured.
- The insurance always terminates on the child reaching the age of 25 when the full amount saved is paid out.
- You can decide yourself on the investment strategy for your money and change your decision in course of the insurance duration.
- You can increase the savings element of the insurance policy at any time during its lifetime by depositing additional money in the form of extraordinary premiums.
Endowment Insurance
This insurance combines insurance protection and generates savings - for its entire duration you are insured against the risk of untoward circumstances, and you can also save. It is best to take out endowment insurance whilst you are still economically active as it provides the necessary insurance protection. The sum assured you have agreed, with the addition of company dividends will be paid out to you at the end of the insurance period.
This is life insurance offering the possibility of broad insurance protection as well as generating savings. For the entire duration of the insurance you are insured against the risk of untoward circumstances and you can also save.
Profile of the endowment insurance.
- Following the expiry of the insurance period we will pay the sum assured directly to the insured party either as a lump sum or in the form of a regular pension.
- In the event of the death of the insured party during the period of the policy, the agreed sum assured is paid out to the beneficiary or beneficiaries.
- The anti-inflation programme offers you the possibility of increasing the sum assured and your premiums to keep pace with the rate of inflation.
