Vital Invest – Examples

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.

The table shows the expected amount saved by a 40-year-old person with contract option allowing tax deductions of paid premium, when investing for the period of 20 years (income tax rate – 15 %); the expected annual appreciation is 3 %, and he selected the basic insurance option.

Monthly premium CZK 500 CZK 1,000 CZK 1,500 CZK 2,000
Sum insured against death CZK 20,744 CZK 41,488 CZK 62,232 CZK 82,976
Indemnity in case of death in 10th year of the insurance duration CZK 86,853 CZK 173,707 CZK 260,560 CZK 347,413
Sum to be paid out at the end of the insurance (after 20 yrs.) CZK 154,979 CZK 309,958 CZK 464,936 CZK 619,915
Total saving on income tax CZK 18,000 CZK 36,000 CZK 36,000 CZK 36,000
Total amount at the end of the insurance, including acquired tax savings CZK 172,979 CZK 345,958 CZK 500,936 CZK 655,915
Deposited by the client during 20 yrs. CZK 120,000 CZK 240,000 CZK 360,000 CZK 480,000

You can calculate how much you will gain – on-line calculation of the premium - (new-window).

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.