3D

To secure financial independence and security it doesn’t matter how much we earn but how much we can save. Money is easily spend, so it’s best to invest it in something useful. By investing in life insurance you manage your funds responsibly and think long-term.

3D Insurance is the most complete and most flexible insurance product to date, giving you an opportunity to buy insurance regardless of your age or health condition. It comprises two elements. First, there is a period during which you save (the so-called deferred period). Then, when you decide you’ll need it, you include life insurance in your insurance plan."

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3D insurance has three dimensions, each catering for a specific client group:

I dimension – children
II dimension – adults who want to insure themselves and save 
III dimension – adults who want to save 

With the supplemental insurance covering accidental death, the sum insured doubles if the insured event occurs, or it triples if another supplemental insurance policy is purchased."

 

 Think ahead and be prepared for any eventuality.

In addition to the age not being an obstacle for buying a life insurance policy, with this insurance policy you are exempt from paying the premium in the last year of insurance.

I DIMENSION – CHILDREN

Who can be insured?

 
All healthy persons starting from birth to age 14. The contract is concluded for a period of 10 to 25 years, with a period of delay of at least until the age of 15 of insured persons, and at least one year shorter than the duration of the insurance contract.

Which supplementary insurance can be negotiated with the 1st dimension?

In addition to this insurance from the beginning it is possible to arrange Insurance of persons from the accident, and after the age of 14 years Insurance in case of death due to an accident and Insurance in case of surgical interventions, and Insurance from the consequences of a serious illness from the age of 19.

 

EXAMPLE:

Male child, entry age 0

Yearly premium

500 €

Monthly premium*

41,67 €

Contract duration

20 years

Delay period 19 years
Insured sum**  10.337 €

 

Female child, entry age 0

Yearly premium

500 €

Monthly premium*

41,67 €

Contract duration

20 years

Delay period 19 years
Insured sum** 10.337 €

 

* Monthly premium with agreed payment through a standing order

** The quoted insured sum will be increased by the accrued profit 

II DIMENSION – INSURANCE + SAVINGS

This is life insurance in case of experience, with death insurance. Death insurance does not have to start at the same time as insurance for experiencing.

By contracting supplementary insurance in the event of an accident, the insurance beneficiary receives an insured sum during the period of delay if the insured event occurs.

Who can be insured?

All healthy persons from the age of 14 years old, whereas the age at the time of the expiration of the contract can be up to 75 years.

 

EXAMPLE

Male, 30 years old 

Yearly premium 

500 €

Monthly premium*

41,67 €

Contract duration

25 years

Total premium paid  12.000 €
Delay period 10 years
Insured sum**  13.535 €

 

Female, 30 years old

Yearly premium 

500 €

Monthly premium*

41,67 €

Contract duration

25 years

Total premium paid  12.000 €
Delay period 10 years
Insured sum**  13.653 €

 

* Monthly premium with agreed payment through a standing order

** The quoted insured sum will be increased by the accrued profit 

What additional insurance can be negotiated with this dimension?

Insurance from the consequences of an accident, Insurance from the appearance of serious illnesses, Insurance in the event of death of an insured person due to an accident, Insurance in case of surgical interventions.

 

III DIMENSION – SAVINGS

It is intended for all those who want to save money. The insurance contract is concluded with a period of delay that is one year shorter than the duration of the insurance.

This means that the death insurance is only valid for the last year of the contract.

By compiling supplementary insurance in the event of an accident, the insurance beneficiary receives an insured sum during the period of delay if the insured event occurs.

 

EXAMPLE

Male, 50 years old 

Yearly premium 

500 €

Monthly premium*

41,67 €

Contract duration

25 years

Total premium paid 12.000 €
Delay period 24 years
Insured sum**  14.051 €

 

Female, 50 years old

Yearly premium 

500 €

Monthly premium*

41,67 €

Contract duration

25 years

Total premium paid 12.000 €
Delay period 24 years
Insured sum**  13.951 €

 

* Monthly premium with agreed payment through a standing order

** The quoted insured sum will be increased by the accrued profit 

Which supplementary insurance can be contracted with the 3rd dimension?

Insurance from the consequences of an accident, Insurance from the appearance of serious illnesses, Insurance in the event of death of an insured person due to an accident, Insurance in case of surgical interventions.

TERMS AND CONDITIONS

  • Age of the insured can range from 0 to 65
  • The contract can be concluded for at least 10 years but not more than 25 years
  • Minimal yearly premium: 300€

 

If the premium payment is realized  on the basis of standing order, by some of the commercial banks, the client is  acquitted of extra payment. Also, in this way, monthly payment is much more comfortable for the policyholder. 

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