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Unit-Linked Life Insurance based on an Corporate Fund
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Kids Insurance Plan (KIP)
This package includes rate G3 with surplus participation, and additional rates to cover accidental death (rate UTZ) and accidental disability (rate UI) as well as an additional risk insurance (rate RZ1).
Details:
G3- Endowment Insurance with guaranteed payment in case of survival and case of death with surplus participation (bonus) to be payed only at the end of contract in both cases. The benefit to be paid in the case of death becomes payable if the insured person dies before the end of the insurance term and is due only at the end of contract period. The sum to be paid on survival becomes payable at expiry of the contract, while the insured person is alive. The insured person is an adult, the beneficiary in case of death is a child.
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. It is the same regulation as for the main rate G3, the payment will be made at the end of the term, until then, however, in addition interest on paid account shall be added.
UI30- 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. There can be immediate payment after death case of person insured up to insured amount RZ1.
EXAMPLE
Person insured
Man/Woman, 30 years old
Term of contract
17 years – date of begin: 1.1.2021
Annual premium
USD/EUR 2.000
Sum insured G3
USD 31.500 / EUR 30.389
RZ1
USD 3.000 / EUR 3.000
UTZ
UI30
Case 1:The insured person dies as the result of an accident, beneficiary is the child. 10 years of the contract have passed.
Due at the end of contract – 1.1.2038
)* The rate UTZ will receive pay account interest in addition until end of contract
Immediately due after death case:
If the insured person dies after 10 years of insurance as the result of an accident, the sum payable to the beneficiary child amounts to about USD 65.139 / EUR 64.290.
Case 2:
The person insured is alive at the end of the insurance term. What sum is to be paid out?
G3:
+ bonus*):
USD 2.139*) / EUR 3.512*)
Sum payable:
USD 33.639*) / EUR 33.901*)
At expiry of the contract, after 17 years, the sum to be paid out on survival amounts to about USD 33.639*) / EUR 33.901 *).
*) 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: 1.1.2021
