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Unit-Linked Life Insurance based on an Corporate Fund
investing in the international market in euro
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G5S- Endowment Insurance with graduated death benefits and surplus participation (bonus)
The sum to be paid on survival together with the accumulated bonus becomes payable at the expiry of the contract, while the insured person is alive. This insurance payment can be transferred to a bank account or you may choose to receive your accumulated capital as a pension under the PERSONAL PENSION PLAN from Medlife. If the insured person dies before the term of the contract expires, the death benefit to be paid will amount to as many fractions of the capital sum as years of insurance have expired (including the one in which the event occurred) in relation to the agreed-upon premium payment period.
UTZ- Additional accidental death insurance
The amount insured becomes payable, if the insured person dies as a result of an accident within the agreed-upon coverage period.
UI- Additional accidental disability insurance
The amount insured becomes payable, if to the person insured as the result of an accident a minimum of 30% permanent disability occurs. The grade of disability will be determined according to the disability percentage table shown in the General Insurance Conditions.
RZ1- Additional risk insurance
The amount insured becomes payable, if the insured person dies within the agreed-upon coverage period.
EXAMPLE
Person insured
Man/Woman, 30 years old
Term of contract
15 years
Annual premium
USD 1.000 / EUR 1.000
Sum insured G5S
USD 13.917 / EUR 13.460
RZ1
USD 3.000 / EUR 3.000
UTZ
UI30
Case 1: The insured person dies as the result of an accident, beneficiary is his wife. 10 years of the contract have passed.
G5S incl. bonus*):
USD 9.566 / EUR 9.405
RZ1:
UTZ:
Sum payable:
USD 26.483 / EUR 25.865
If the insured person dies after 10 years of insurance as the result of an accident, the sum payable to the beneficiary amounts to about USD 26.483 / EUR 25.865.
Case 2: The person insured is alive at the end of the insurance term. What sum is to be paid out?
G5S:
+ bonus*):
USD 1.127 / EUR 1.666
USD 15.044 / EUR 15.126
At expiry of the contract, after 15 years, the sum to be paid out on survival amounts to about USD 15.044 / EUR 15.126.
*) Figures referring to future profit shares are the result of calculations made on the basis of present circumstances. The actual amount of the profit sharing bonus will depend on the developments of the capital markets, the actual investment income and the future cost trend and risk experience. Therefore such information is not binding.
V: 1.1.2024