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Allianz Prospekt is a life insurance linked to investment into an investment fund, i.e. a combination of insurance and investment. During the policy period, you get financial security in the event of the worst case scenario, but also a possibility of higher earnings (or potential loss) since only you bear the investment risk. Upon expiry of insurance, the market value of your policy will be paid into your account.
Depending on your preferences, when arranging the policy, you can choose between one of the two investment funds whose share price premium for investment can be linked:
ZB conservative 20 - fund managers primarily invest into a portfolio of bonds and other debt securities and interest-bearing financial instruments
ZB euroaktiv - fund managers invest into stocks of selected companies which show growth potential and meet investment criteria in relation to their size.
ZB global 50 - fund managers primarily invest into bonds, money market instruments and deposits, and a smaller portion of the assets into global equity markets.
Optimal combination of insurance and investment During the insurance period you have coverage in the event of death, and the market value of the policy will be paid into your account upon expiry of insurance.
The possibility of arranging supplemental coverage With Allianz Prospekt, you can also arrange supplemental accident insurance with DNA analysis or supplemental insurance in the event of serious diseases for additional protection of yourself and your family.
Conditions
Allianz Prospekt with single premium payment can be arranged by all persons, from 18 to 55 years of age, i.e. from 18 to 65 years of age, depending on the package.
Required documents
Identification document (ID card or passport)
Prices
The minimum one-off payment is EUR 3,500 or 5,000, depending on the package which you choose.
The entry fee is charged only once, when arranging the insurance.
An administrative fee is charged by selling units of account from the policy once a month during the entire insurance period.
Arrangement
If you are younger than 55 and you care about the protection of your family in case the worst happens, consider theBasic Package. In the event of death of a policyholder regardless of the cause, the insurance user will receive the arranged amount which equals to the paid premium plus the market value of the policy at that moment. Upon expiry of insurance, you will receive the amount which is equal to the market value of the policy at the moment of expiry of insurance. The Dinamic Package can be arranged up to the age of 65, and in the event of death of a policyholder during the insurance period, the insurance user will receive the larger amount of the two – the paid premium or the market value of the policy. If death was caused by an accident, the doubled amount of the paid premium will be additionally paid out. In both packages, upon expiry of insurance, you will receive the amount which is equal to the market value of the policy at the moment of expiry of insurance.
Activation
The beginning of insurance is always at 00:00 on the day following the day of insurance arrangement and policy issuing. The day, month and year of the beginning and expiry of insurance are listed on the quote and the policy. The insurer's liability begins on the date of the beginning of insurance, if the one-off insurance premium was fully paid.
Use
Insurance can be arranged for a period of five, six or seven years. In the event of early insurance buyout, an exit fee is charged by subtracting the exit fee from the market value of the policy at the time of the buyout. The amount of the exit fee depends on the year of insurance when the insurance buyout is performed.
By choosing this supplemental insurance, after the one-time premium payment, you are entitled to payout:
for death due to an accident – EUR 15,000
for a bone fracture, a payment in the amount of EUR 150 (per adverse event). To prevent health problems, you can perform a personal DNA nutrigenetic analysis! It will show you how to reduce the risks of development of diseases of modern society, how to optimize your recreation and achieve a healthy appearance, vitality and beauty
This supplemental insurance provides financial protection in the event of one of serious illnesses: tumours, heart attacks or strokes.
During the policy period, you get financial security in the event of the worst case scenario, but also a possibility of higher earnings or potential loss given that only you bear the investment risk.
Security
Allianz Prospekt with single premium payment is a life insurance related to investment into an investment fund. With this combination, during the policy period, you get financial security and payout in the event of the worst case scenario, but also a possibility of higher earnings or potential loss given that only you bear the investment risk. For additional information about the risks and the product, refer to the document containing key data on Allianz Prospekt with single premium payment.
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