Vital Invest – Description

Vital Invest is unit-linked life insurance that will provide you with higher appreciation than traditional financial products and, at the same time, it gives you certainty that you and your loved ones will be safe if an unexpected event arises.

Vital Invest is modern unit-linked insurance ideally combining the investment and insurance components. You may choose from a broad range of funds, including the Guaranteed Interest Fund. This insurance will also give you certainty that you and your loved ones will be provided for if an unexpected event occurs. Vital Invest is a flexible product which allows clients to change most of its parameters within the insurance duration. Thus you can adjust the insurance to your current needs.

For the minimum investment of CZK 500 per month you will get the opportunity to use all the benefits offered by Vital Invest. Should you need part of your money before the end of the insurance, you can simply make a partial withdrawal.

If the statutory conditions are met, the paid premiums may be deducted from the income tax base up to the amount of CZK 24,000 per year.

Vital Invest includes:

  • insurance in case maturity – at the end of the insurance you will receive the current value of all money in individual funds as of the date of contract termination
  • insurance against death – you will determine the insurance cover extent (amount of sum insured) by choosing from 4 offered insurance options. The individual options have different amounts of the premium which is used for covering this risk.

    We offer the following insurance options:

    • savings: 0% of premiums to cover the risk
    • basic: 2.5% of premiums to cover the risk
    • classic: 7.5% of premiums to cover the risk
    • protective: 22.5% of premiums to cover the risk

    The fixed sum insured against death is calculated on the basis of selecting an option, insurance period and age at entry.

    Should an insured event arise within the insurance duration, then the beneficiaries are paid out an amount composed of two parts:

    • fixed sum insured
    • higher of the amounts – the current value of the contract as of the date of the decease or the premiums paid so far that have been invested into funds &ndash it is a guaranteed return on investment in case of adverse development of the market. This guarantee is provided to each client aged up to 70 years (max. limit of coverage is CZK 3 million)

How to arrange the insurance

You can obtain our products at any branch of Komerční banka or in the distribution network of Modrá pyramida stavební spořitelna. For more information call the Client Service of Komerční pojišťovna using the free Info Line 800 10 66 10.

On-line calculation of the premium

Insurance terms and conditions

Information for Persons Interested in Insurance and Insurance terms and conditions are available only in czech language.