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Premium Invest

Premium Invest, Unit-Linked life insurance product

 

Are you thinking of an investment plan to support your dreams and future plans? We have a proposal for you: Premium Invest, a Unit Linked life insurance product, in euro, developed by Allianz-Tiriac based on the partnership with UniCredit Bank. This product:

  • offers you the opportunity to participate in the performance of international financial markets through three investment programs each with an associated risk class (low, low to medium and medium);

    ✓ the investment programs are managed by Allianz Tiriac and access Amundi Asset Management* funds;

    ✓ depending on the risk class, the three investment programs include: investments in shares, bonds, securities or deposits on the money market;

 

  • has also a financial protection component through the insured amount in case of death from accident or illness, as following:

    ✓ for insured persons of up to 75 years old: the beneficiaries receive both the insured amount, set at 10% of the account value, and the amount accumulated from investments, but not less than the value of the premiums paid.

    ✓ for insured persons of over 75 years old: only the risk of death from accident is covered, the insured amount being also 10% of the account value, to which is added the amount accumulated from investments. In case of death from illness, the allowance will be equal to the amount accumulated from the investments.

 

*Amundi Asset Management is one of the largest financial asset managers in the world according to the IPE “Top 500 asset managers” published in June 2020 based on data collected in December 2019.

*Consult the general conditions and the specific conditions for complete detailed information regarding the unit-linked life insurance with the single premium Premium Invest.

 

 

With Start Invest you can enjoy cashback of up to 200 lei/month!

Open a current account in Lei with a debit card attached, if you don't already have one, contract a Start Invest life insurance policy and activate Direct Debit mandate for the payment of the insurance premium, and we will offer you 200 lei/month. 

Monthly receipts of at least 1,500 lei are taken into account and you will receive back the insurance premium for 5 consecutive months.

Campaign valid from June 4 to December 31, 2024.

Full details in the Campaign Regulations available here.

More details about the promotional campaign here.

Start Invest - Life insurance with an investment component with regular premium

 

Whether you want to provide financial to your children or grandchildren for their studies or start in life, to carry out a soul dear project or to save money for retirement, we are happy to offer you a solution.

With Start Invest, a life insurance product with an investment component, in euros or lei, developed based on a strategic partnership with Allianz-Tiriac, you can have the money you want at the right time, as follows:

  • you determine the amount you need and the monthly amount you can save.
  • you turn to professional management of the money deposited in the investment account throughout the duration of the contract.
  • you create your own savings plan and accumulate the desired amount.
  • you benefit from financial protection for the implementation of long-term plans from the day after inclusion in the insurance. From the second day after the policy is issued, if the insured person dies or becomes disabled to the first or second degree, Allianz Tiriac will deposit the premiums that were to be saved until the end of the contract to achieve the personal objective.

Start Invest is a unit-linked insurance product that:

  • has a financial protection component, as follows:

      ✓ through the sum insured in case of death from accident or illness, beneficiaries receive both the sum insured, set at 10% of the accumulated value from investments, and the amount accumulated from the investments themselves, but not less than the value of the investment premiums paid.

      ✓ in case of first or second degree disability, the Insurer takes over the payment of premiums, including investment premiums, so that your financial plan can continue.

      ✓ you can add a clause for serious medical conditions, choosing one of the three coverage levels, at any time during the period of an active contract.

 
  • offers the opportunity to participate in the performance of international financial markets through investment programs with different associated risk classes (low, low to medium and medium):

      ✓ investment programs in lei are managed internally by Allianz Tiriac, and those in euros access Amundi Asset Management* funds.

      ✓ depending on the risk class, for both lei and euro, there are three investment programs that include: investments in shares, bonds, securities or money market deposits.

Because during the minimum 10-year contract period, changes may occur in the client's financial life, the product is designed to be very flexible, so that it can adapt to these changes. You can increase or decrease the value of the insurance premium while respecting the minimum allowed value, you can make additional deposits to the account or partial withdrawals and you can change the investment option initially chosen.

 

Start investing for your dream as early as possible!

 

Consult the general conditions and specific conditions for detailed information regarding the unit-linked life insurance with regular premium Start Invest.

*The information provided in this document does not constitute an offer, an investment recommendation or an analysis of an investment opportunity made by a company in the Amundi group, Allianz-Tiriac Asigurari S.A. or by UniCredit Bank S.A.

 

The funds, both in euros (Amundi Funds) and in lei (Allianz-Tiriac Asigurari S.A.), carry not only the advantages that are specific to them, but also the risk of not achieving the objectives, including losses for investors, the income attracted from the investment being, as a rule, proportional to the risk.

Past performance of the funds is not a guarantee of future achievements.

Amundi Funds are managed by Amundi Luxembourg SA, with its registered office in Luxembourg at Allee Scheffer, 5, L-2520 and are authorized and supervised by the Luxembourg Financial Sector Supervisory Commission. The depositary and paying agent is CACEIS Bank, Luxembourg branch. The prospectus and key investor information (KIID) are available on the website www.amundi.com/globaldistributor and can be obtained free of charge at the headquarters of Amundi Asset Management S.A.I. S.A., at Bd. Dacia no. 56, building B, sector 2, Bucharest.

The investment programs in lei are managed by Allianz-Tiriac Asigurari S.A., with headquarters at Str. Buzesti, no. 82-94, floors 3, 4, 12, Bucharest, sector 1, postal code 011017, company authorized by the Financial Supervisory Authority, Code assigned in the Register of Insurers and Reinsurers: RA-017, lei Code 529900XKNXM9MBH8GS45.

The documents with essential information (KID) and the periodic reports specific to the investment programs are available on the website www.allianztiriac.ro/ro_RO/documente-utile.html. 

Information note regarding the processing of personal data UniCredit Bank.

Information note regarding the Affiliated Agent.

Notification regarding the processing of personal data Allianz Tiriac.

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