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Perspektiva forte

In partnership with us, you can enjoy all that life offers with the knowledge that the future is secure for you and those you love. Our wish is to continually find new solutions for you that will open to you more lucrative opportunities for growing the value of your money than would basic bank products. At the same time, these solutions represent fast and simple assistance for your family members in the event of unexpected life events.

We bring you a product of the British life insurance company Aviva – the investment life insurance “Perspektiva forte”, which enables you to invest advantageously and at the same time to use all the benefits of the insurance product.

  • Advantageous investment – with “Perspektiva forte”, you will have a unique opportunity to invest into specially prepared investment programmes. Moreover, you can change the chosen programme at any time in a simple manner, and thus actively influence the amount of your returns.
  • Tax advantage – make use of the opportunity to reduce your tax basis every year. Because of the tax allowance for insurance premiums paid, you can get back part of your money, and your savings will be just that much more profitable.
  • Simplicity – you can very easily draw up a contract on the spot in any of our branches without complicated administrative processes, the necessity for a medical examination or filling out long medical questionnaires.
  • A solution tailored to your situation – we even think of unexpected situations. In case of need, the funds you have saved are at your disposal at any time.
  • Special benefits – compared to other investment products, Perspektiva forte additionally permits you to use the benefits of insurance products:
    • Absolutely freely and without any legal restrictions whatsoever, you can choose any beneficiary or beneficiaries to whom an insurance settlement would be paid. Moreover, you can easily change beneficiaries at any time during the insured period.
    • The insurance payout in the event of death is not subject to inheritance proceedings, and the funds are paid to the beneficiary or beneficiaries within several days in the full amount, as they are not subject to income or inheritance tax.
Initial age
  • At least 18 years of age
  • No upper age limit is stipulated
Insured period
  • For 10 years with the possibility of automatic rollover.
  • Clients younger than 50 have the possibility to alternatively arrange insurance until 60 years of age (particularly suitable if you want to use tax allowances).
Premium payment
  • Minimum insurance premium is CZK 100,000.
  • The insurance premium is paid in a single amount upon concluding the insurance policy.
Investment component
  • The insurance premium, reduced by the initial fee, is transferred to the shares of a chosen investment programme.
  • The price of shares in the investment programmes changes according to the market prices of the relevant underlying investment instruments.
  • The current value of the shares credited to the investment account of the relevant insurance policy constitutes the capital value of the insurance.
  • You yourself influence the return achieved by choosing the most suitable investment programmes.
Insurance settlement
  • Upon expiration of the agreed insured period, 100 % of the capital value of the insurance is paid upon the client’s request.
  • In the event of the insured person’s death, 101 % of the current capital value of the insurance is paid to the designated beneficiary.
  • Insurance settlement in the event of death is not subject to income or inheritance tax.
  • Insurance settlement in the event of death is not subject to inheritance proceedings.
Access to money
  • It is possible to draw a part of the savings at any time without the necessity of terminating the insurance.
Tax benefit
  • For the purpose of the tax allowance, the insurance premium paid is distributed among individual years of the insured period.
  • The tax basis from the insurance premium distributed in such manner can be reduced by up to CZK 12,000 each year.
  • Upon fulfilment of the conditions stipulated by law.

Investment programmes

Specially prepared investment programmes are designed to fully satisfy your individual investment needs. You can choose a programme according to the level of risk acceptable for you and your expected return (i.e. among conservative, balanced and dynamic programmes).

You can adapt your choice to the current situation on the financial and capital markets or to changes in your investment preferences. Thus, you can transfer the capital value (shares) between investment programmes at any time during the insured period. Moreover, you have one transfer per year absolutely free!

To fulfil the need for a high-quality and broadly diversified portfolio with highly professional management, the investment funds are managed by a reputable international asset manager, the Pioneer Investments Group.

Unit prices by investment programme

INVESTMENT PROGRAMMES CURRENT PRICE PERFORMANCE
SALES PRICE PURCHASE PRICE 12 MONTHS FROM INCEPTION Value
Conservative CZK
  • 101.8251
  • 101.8251
  • -1.2178
  • 1.8251
Balanced CZK
  • 109.0081
  • 109.0081
  • 0.6942
  • 9.0081
Dynamic CZK
  • 122.0207
  • 122.0207
  • 5.2894
  • 22.0207

Are you interested in this product? Choose the way of contacting us that suits you best.

On-line

Write us at any time. Use our contact form.

By telephone

We are at your disposal on our toll-free line
800 144 441 (7 days a week 7 a.m. – 10 p.m.).

At branch

Schedule an appointment at your nearest branch.