Perspektiva standard

In partnership with us, you can enjoy all that life offers with the knowledge that your future is secure. We will stand by you in the event of unexpected life situations when our assistance is most needed. We have prepared for you a simple solution that will help you to save up sufficient funds as well as protect you and your relatives against potential misfortune.

We bring you a product of the British life insurance company Aviva – the investment life insurance “Perspektiva standard”, which combines advantageous saving with high-quality insurance protection.

ADVANTAGES OF THE PRODUCT
Product description
How to obtain the product

advantageous savings – through regular saving of small amounts, Perspektiva standard offers everyone the possibility of earning attractive returns on their money. Moreover, you can actively influence your returns by choosing specially developed investment programmes in which your funds will grow in value

securing the future – assure yourself and your relatives peace of mind and financial security. Perspektiva standard is a simple combination of advantageous savings with high-quality insurance protection
tax benefits – take advantage of the opportunity to reduce your tax basis by up to CZK 12,000 per 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
a solution tailored to your situation – in case of need, the saved funds will be available to you during the insured period. Furthermore, you can adjust the insurance at any time to your present life situation – by an extraordinary increase, possible interruption of payments, or a change in the investment programme
simplicity – you can draw up a contract in any of our branches without complicated administrative processes, the necessity for a medical examination, or filling out long medical questionnaires

supplementary insurance – furthermore, with one signature you can easily extend your insurance protection with two types of supplemental insurance, covering permanent disability from injury and accidental death

Initial age	At least 18 years of age No older than 60 years of age
Insured period	Up to 60 years of age (if you are less than 50 years of age) 10 years (if you are 50 or older)
Payment frequency	Monthly, quarterly, biannually, annually
Health evaluation	By a simple medical questionnaire 3 short yes/no questions
Investment of savings	Insurance premiums paid are used for progressively creating the savings component. You influence the investment returns yourself by selecting the most suitable investment programme.
Insurance settlement	At the end of the insured period, you are paid the savings component in a single amount. In the event of death, a beneficiary is paid the insured amount or the savings component, whichever is higher. It is not subject to income tax or inheritance tax. Is not subject to inheritance proceedings.
Access to money	Already after 2 years, it is possible to draw a part of the savings without the necessity to terminate the insurance. In the event of an unexpected life situation, you have the option to temporarily suspend the insurance premiums. Access is always conditioned upon attaining the necessary amount of the savings component.
Extraordinary insurance premium	One-time increase of the savings component At any time, but not later than 5 years prior to the end of the insured period Minimum amount of CZK 30,000
Tax benefit	Reduction of the tax basis by up to CZK 12,000 on the insurance premium paid annually Upon fulfilment of the conditions stipulated by law Not applicable to the insurance premium for supplementary insurance

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.

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)