My investment: insurance + investment
Do you want the funds you saved to be safe and increase them, but you don’t know how? Our life insurance My investment will enable you to protect your life and the lives of your loved ones, and at the same time increase your resources.
Key benefits
Full control
You independently choose the amount of the premium, the dynamics of payment, the amount of the guaranteed sum insured in case of death
Make a profit
Possibility of making larger profit than with classic life insurance
Investment
You get the opportunity to invest in the international financial market, investing in the world’s largest companies
Why do I need My investment?
At a time when interest rates on time deposits in banks are lower, investing in life insurance is becoming an increasingly competitive form of savings compared to banks, and it is certainly safer compared to keeping money at home. Only for those who want to save with life insurance, we have created the product My Investment.
Why not make an investment only?
At a time when interest rates on time deposits in banks are lower, investing in life insurance is becoming an increasingly competitive form of savings compared to banks, and it is certainly safer compared to keeping money at home. Only for those who want to save with life insurance, we have created the product My Investment.
I can put money on savings account only?
If you have life insurance, then you are sure that your loved ones will receive the insured sum in case something happens to you. This is not the case with a bank savings account.
This product is for you if:
You are 14 – 5 years old
You understand that investment is the best way to make a profit
You want to have a life insurance through investment period
Example
My investment | |
|---|---|
Age | 50 years |
Contract duration | 10 years |
One-time premium | 20.000€ |
Insured sum (man) | 21.561,21€ |
Insured sum (woman) | 21.597,86€ |
Basic features
My investment represents a new type of life insurance program with a one-time premium payment, which provides the client with the possibility of a higher return on funds than those he would have achieved if he had made the same term in one of the leading commercial banks in Montenegro. The product is designed in such a way as to guarantee a higher return and a better investment, and at the same time insures the Users in the event of the Insured’s death at the level of the agreed sum insured.
The investment is made for a period of 1 to 10 years, and technical interest is applied to the invested funds at a competitive interest rate depending on the duration of the program and the amount of the policy, which is fixed for the entire duration of the insurance. In this way, the investment is protected against future interest rate declines.
With this policy, you acquire the right to participate in the profits made by the insurance company by carefully investing money in the capital market.
The Contractor is obliged to specify the beneficiary of the insurance in order to avoid probate proceedings in the event of the Insured’s death.
The contractor has flexible access to capital with the right to borrow up to 90% of the purchase price.
The premium is paid once, and the minimum amount of payment is 1,000 EUR.
The duration of the insurance can be from 1 to 10 years.
The minimum one-time payment is 2000 euros.
The insurance covers the following insured events:
1) survival – the insured sum and the attributed profit are paid out; and
2) death – the sum insured and the profit accrued until then are paid out.
Find out more
Additional insurances cannot be contracted with this insurance.