4 products in one
4 in a row plus child insurance
Investment focus
Flexible payouts during term
Financial security for your child
profitable single premium investment
our package especially for companies
regular payment to your account
apply for it - it is for free
annual fund Investments in EUR
single premium fund investment in EUR
high-yield fund product with annual premium
high-yield fund product with one premium at beginning
Unit-Linked Life Insurance based on an Corporate Fund
investing in the international market in euro
Here you can find up-to-date Factsheets regarding our unit linked funds
Here you can send us your complaints
Frequently asked questions
Our online calculation and proposal tool
Here you can send us your tax number
Links to our partners
Our official Auditor
€UR-VIP Single Premium
€UR-VIP SINGLE PREMIUM is a single premium rate, which like our product €UR-VIP combines the advantages of conventional life insurance with the chance of getting higher yields by investing in a mutual fund. In our case, this is the mixed fund VALUE INVESTMENT FUND, managed by our captive company SECURITY KAG. Other than in the case of €UR-VIP, €UR-VIP SINGLE PREMIUM requires a single premium payment at the beginning of the contract period. This enables our experts to invest the entire capital at once and thus achieve higher returns.
€UR-VIP SINGLE PREMIUM is the ideal way of investing available capital, if your aim is to achieve high yields and at the same time enjoy insurance protection as a way of future provision. €UR-VIP SINGLE PREMIUM combines the chance of gaining the high profits of a professionally managed portfolio with the opportunity to provide for your relatives, children or any other beneficiary, as the invested amount (single premium) is at the same time the guaranteed minimum amount paid in case the insured person dies during the policy term.
If the insured person survives up to the end of the policy term, the actually available capital is payable at expiry of the contract.
The advantages of €UR-VIP SINGLE PREMIUM Financial security for everyone A €UR-VIP SINGLE PREMIUM insurance contract can be concluded for any person between 18 and 65 who is in good health. The age at expiry of the contract may not exceed 75 years.
Financial security
Insurance protection In the case of survival, at expiry of the contract the available assets are payable. If the insured person dies during the policy term, and at this time the value of the fund falls below the sum insured in the case of death, the entire amount insured in the case of death, that is 100 % of the paid premium, will be returned. If the value of the fund at the time the insured event occurs exceeds the amount insured, the actually available assets plus 5 % of the death benefit are payable.
Duration of the insurance policy The minimum policy term constitutes 10 years.
Amount of the insurance premium You can choose a single premium between EUR 3.000 and EUR 100.000.
Example - Unit Linked Life Insurance - rate €UR-VIP SINGLE PREMIUM
Man/Woman, aged 30 years – single premium EUR 30.000,00 - term 15 years, amount insured, EUR 30.000,00, death benefit sum EUR 30.000,00
Years past
Surrender value* in EUR with a supposed performance** of
Mortality charge per year in EUR
3%
5%
7%
2 years
24.843,--
26.757,--
27.873,--
7,78
5 years
31.152,--
34.305,--
37.709,--
8,39
8 years
33.900,--
39.567,--
46.047,--
10,00
10 years
35.870,--
43.525,--
52.624,--
11,39
12** years
39.954,--
50.405,--
63.319,--
13,17
15** years
43.494,--
58.179,--
77.408,--
-
*) 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.
The performance of €UR-VIP depends on the performance of the mutual fund backing it. MEDLIFE has no impact on the performance of the fund, which may both gain or lose in value, and whose value may even be affected by fluctuations of the exchange rates. Return rates of the past do not automatically give an indication of future developments. Our detailed fund newsletter, which is updated once a month, can be downloaded from our website or required from MEDLIFE directly.