Products in this category do not have guaranteed performance. They are products that have particular flexibility in terms of the desired direction of investment depending on the investment profile of each interested party. They invest in baskets of conservative (eg cash management), balanced (eg bonds) or aggressive options (eg stocks).
The basic principles that “ensure” the desired result are the adequate time horizon, the definition of the investment strategy and the systematic and uninterrupted purchase of shares.
It is aimed at people with an investment horizon of more than 10 years, who want to achieve higher returns that will outperform inflation.
One-time payment plans are used in case there is a ready-made stock aside and we want to either invest it or turn it into a pension.
There are programs that specify the length of stay and others that are free to exit the program.
Also, after analyzing his investment profile, the interested party can decide how conservative, balanced or aggressive direction he will choose.
With reliability, innovation and interest, we create unique insurance programs on the market, exclusively for you and your needs, ensuring a better tomorrow for those you love the most.
Having excellent cooperation with the entire insurance market, we combine the existing programs on a case by case basis, finding the best solutions for you but also the most ideal insurance coverage overall for all your needs.
We stay by your side 24/7, with respect, immediacy, guidance, consistency and care. In both the easy and the difficult we walk together, we protect everything that is important to you and we help you make your dreams true.
Plans that accumulate capital for future retirement are essentially a piggy bank. If we
assume that we need to get a certain amount out of this piggy bank at the end, then the
time we have in front of us to fill it has a huge difference! Example: to collect 30.000€ we
can do it either by giving about 60€ per month for 40 years or 170€ for 15 years.
It depends. Most programs in the insurance market have a fixed installment premium. Some
companies, however, also support adjustments. An increase in premiums certainly helps to
ultimately accumulate more maturity capital.
It depends on the pension plan I choose and what its terms provide. In the insurance market
there are savings – investment programs in both cases.
It depends. In the insurance market there are some pension plans that when you conclude
the application you stipulate that you want your retirement to start e.g. at the age of 65.
There are some other investment programs that are for life and you basically stipulate, for
example, when you are already 65, that you want your retirement to begin.
No. In all investment – savings – pension plans of the insurance market, multiple “exit”
solutions are provided. In most companies there is a lump sum payment, a pension with a
certain disbursement time (e.g. 10 or 20 years), a pension guaranteed for a certain period, a
pension transferred by some percentage to the spouse and also a life pension.
In many ways. There is an annual payment method, biannual, quarterly, and monthly with a
standing order from a bank account or credit / debit card.
The best way to pay for my savings plan is the one that suits my personal needs. However,
the monthly payment method is recommended for two main reasons. First, by putting
money into UNIT LINKED products every month, therefore 12 times a year, I disperse and protect my investment. Secondly, I find it less difficult to pay my installment because a
smaller amount is incorporated into my monthly expenses.
It depends. In the insurance market there are some programs that allow in addition to my
regular payments to make an additional one-off, e.g. 1,000 €, enhancing my investment.
It depends. Initially, the insurance companies plan to add the Premium Payment Exemption
coverage. There are some insurance companies that provide for us to include coverage of
Death or Disability, Serious illnesses, etc.
The Premium Payment Exemption is a cover that protects us if during the creation of the
accumulation of capital that will ultimately give us our pension, something happens to our
health (permanent inability to work) and we cannot work, therefore produce money. In this
case and having the Premium Payment Exemption coverage, the insurance company
continues to pay the installment of our policy until the policy expires or we reach the age of
65.
In case a parent provides for and creates capital for his child, it is advisable to add to the
savings policy the coverage of AMM (Premium Payment Exemption). This will protect the
savings plan if permanent incapacity for work or even death of the parent occurs. That is,
the insurance company will continue to pay the installments of the policy until the 65th year
of the parent.
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