• possible to invest into life insurance in three currencies (CZK, EUR, USD)
  
• 9 special investment programmes provided by the Pioneer Investments Group through the products of its companies
  
• possibility to continuously draw funds already during the insured period and to personally influence their returns. Moreover, each client has an overview of the current capital value of the insurance at his or her disposal.
  
• single payment of the capital value to the client at the time the agreed insured period expires
  
• insurance settlement in the event of death is not subject to inheritance proceedings, and the insurance company makes the payment immediately to the beneficiary chosen in advance by the client
  
• insurance settlement in the event of death is not subject to income or inheritance tax
  
• possibility to take advantage of a tax allowance for the insurance premiums paid

Insurance premium and capital value of insurance:

• at the beginning of the insurance, the client chooses the currency (CZK, EUR or USD) in which the insurance premium will be paid, the insurance policy will be maintained, and any payments will be made
  
• the minimum insurance premium is CZK 1 million, EUR 40,000, or USD 40,000 (according to the chosen currency).
  
• the insurance premium is paid in a single amount upon conclusion of the insurance policy
  
• the insurance premium, reduced by the initial fee, is transferred to the shares in the 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
  

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 inheritance proceedings
  
• insurance settlement in the event of death is not subject to income or inheritance tax
  

Investment programmes

The investment programmes are denominated in the same currency in which the insurance premium was paid and in which the insurance policy is kept (i.e. CZK, EUR or USD). For the chosen currency, we have prepared for you three potential investment strategies that differ by potential return and level of investment risk (i.e. conservative, balanced, and dynamic programmes).

We have borne in mind the need to 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 of the shares between investment programmes in the chosen currency at any time during the insured period. All transfers between investment programmes are made free of charge.

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.

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

	On-line Fill out the simple online request form and one of our bankers will contact you as soon as possible.
	At a branch Schedule a meeting at your nearest branch
	By telephone We are at your disposal on our toll-free line 800 144 441 (7 a.m.–10 p.m. daily)