Vital Premium – Description
Vital Premium life insurance suits all clients who seek a guaranteed above-standard appreciation of their investments. Moreover, the invested premium is available to the client at any time.
Vital Premium savings insurance helps you maximise the return on your finances. It is insurance with a lump sum premium in the minimum amount of CZK 5 million.
The invested premium is appreciated by the guaranteed technical interest rate for the entire insurance period. Furthermore, every year the rate of the minimum total appreciation for the upcoming year, which already includes a certain estimate of shares in profit, is declared.
Vital Premium enables you to carry out extraordinary withdrawals, free of any charges, any time within the insurance period. Apart from this, the product allows you to set up regular partial withdrawals of paid premiums as well.
In the insurance contract you can determine who shall receive the insurance indemnity and thus avoid probate proceedings. Thanks to this, the insurance indemnity is paid out no later than within 2 weeks of the delivery of all necessary documents. The insurance indemnity is not subject to inheritance tax.
Currently Komerční pojišťovna, a. s., guarantees 5-years minimum appreciation by technical interest rate 1,5% p. a. Minimum guaranteed yearly appreciation for year 2012 is set by 2,5% p. a.
