Insurance products such as Unit Linked (UL) products, which combine capital investment with insurance coverage, are one of the most flexible and affordable solutions.
These insurance plans are linked to investment products such as mutual funds and provide long-term, gradual investment through an organized system of regular payments.
Unit Linked insurance plans are ideal in cases when the option is available to systematically invest part of the income in order to create capital for the future. They are essentially an alternative to simple savings, as part of our money is invested in a medium-risk investment plan with a long-term investment horizon. This combination offers significant advantages that substantially mitigate the risk involved in such a strategy.
Key features
- Possible high returns in the long term.
- Capital investment in the global and local market.
- Extraordinary (one-off) payments at any time to maximize earnings at maturity.
- Payment of cash value amount at maturity either in a lump sum or as a monthly payment.
- Combination with life and health insurance policies.
- Possibility to extend the investment upon maturity of the insurance policy.
- Continuity of the investment in the event of incapacity, if you opt for the premium waiver benefit.
Benefits
- Clear investment procedures.
- Continuous information on the progress of invested funds.
- Flexibility in the allocation of the investment.
- Possibility of additional payments (one-off).
- Possibility to change the investment option up to 2 times per year without any cost.
- Can be combined with life and health insurance policies.
