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Investment life insurance for business

Taking care of your employees’ future is easy – you can start saving now and provide financial security for the employee and his/her loved ones. Term insurance is a responsible approach to the company’s greatest asset, which also creates the image of a caring employer and motivates the employees.

Why is it worth contributing to the accumulation of employees?

Whether you are a large company or a small business, choosing investment insurance for employees will help them plan their future and ensure their financial security. This makes it possible to keep the employee longer and strengthen the company’s position in the market.


With this insurance, you can give your employees the financial support they need in the event of a serious illness or injury, which creates more peace of mind and productivity at work.
Combined with other employee-friendly measures (competitive compensation, life and health insurance, training and team events, flexible work schedules, etc.), employers foster an attractive work environment that attracts and retains employees for the long term.


A lower turnover, favourable tax environment can reduce the overall costs of the employer and be financially beneficial for the company. Saving money is one of the additional benefits that employees value very highly.

Attractive conditions for premiums

Contributions may be from EUR 50 – the same for everyone or different, depending on the time worked by the employee in the company, increasing the scope of the motivational benefit package for loyalty.

Professional investment decisions

You can choose from several investment programmes prepared by professional investment specialists. You can change the investment plan 4 times a year for free.

Comprehensive insurance coverage package

A wide set of insurance covers – life cover, critical illness cover, cover of incapacity for work and accident cover – may be included, they may be agreed within the company or different; we can also take into account the needs of each employee (more covers require higher premiums).

Possible transfer of the contract to the employee by mutual agreement

It is possible to foresee the time of the transfer of the contract in advance or in the event of a change in circumstances In the company’s motivational programme.

Favourable tax environment

You can take advantage of the favourable tax environment and motivate employees at lower costs than wages.

Flexible and quick

It is possible to conclude a separate contract as soon as the employee joins the company or at an individually agreed time. This will further encourage employee engagement.

Attractive conditions for premiums

Contributions may be from EUR 50 – the same for everyone or different, depending on the time worked by the employee in the company, increasing the scope of the motivational benefit package for loyalty.

Professional investment decisions

You can choose from several investment programmes prepared by professional investment specialists. You can change the investment plan 4 times a year for free.

Comprehensive insurance coverage package

A wide set of insurance covers – life cover, critical illness cover, cover of incapacity for work and accident cover – may be included, they may be agreed within the company or different; we can also take into account the needs of each employee (more covers require higher premiums).

Possible transfer of the contract to the employee by mutual agreement

It is possible to foresee the time of the transfer of the contract in advance or in the event of a change in circumstances In the company’s motivational programme.

Favourable tax environment

You can take advantage of the favourable tax environment and motivate employees at lower costs than wages.

Flexible and quick

It is possible to conclude a separate contract as soon as the employee joins the company or at an individually agreed time. This will further encourage employee engagement.

Investment insurance – what we insure against?

All risks

In the event of an unforeseen event, investment insurance covers against the following risks:


• death;
• accidents;
• critical illnesses;
• incapacity for work.

Investment insurance – what we insure against?

Investment funds and programmes

With ERGO, you can start investing in some of the best performing funds in all major financial markets worldwide.


Interested in investment advice? We are ready to help you
 

Low contract fees

We offer favourable contract management fees.

Ability to choose

You can choose from several investment programmes.

Easy to help

The selection of investment funds and programmes is carried out by experienced ERGO investment specialists.

Low contract fees

We offer favourable contract management fees.

Ability to choose

You can choose from several investment programmes.

Easy to help

The selection of investment funds and programmes is carried out by experienced ERGO investment specialists.

Investment programmes

You can choose from three investment programmes:

1

The investment programme “Moderate 25” is suitable for beginners, investors seeking lower than average investment risk and for whom lower return on investment is acceptable. This programmes involves investing at least 75% of the funds in bonds.

2

The investment programme “Balanced 50” is suitable for investors seeking higher than normal returns on bonds. If you choose this programme, up to 50% of the funds are invested in shares. The risk of the programme is medium.

3

The investment programme “Growth 75” is suitable for risk-oriented investors seeking higher returns on shares and prepared for higher fluctuations in the value of their investments. If you choose this programme, up to 75% of the funds are invested in shares. The risk of the programme is higher than average.

1

The investment programme “Moderate 25” is suitable for beginners, investors seeking lower than average investment risk and for whom lower return on investment is acceptable. This programmes involves investing at least 75% of the funds in bonds.

2

The investment programme “Balanced 50” is suitable for investors seeking higher than normal returns on bonds. If you choose this programme, up to 50% of the funds are invested in shares. The risk of the programme is medium.

3

The investment programme “Growth 75” is suitable for risk-oriented investors seeking higher returns on shares and prepared for higher fluctuations in the value of their investments. If you choose this programme, up to 75% of the funds are invested in shares. The risk of the programme is higher than average.

Attractive tax environment

When the company pays insurance premiums for the benefit of the employee, it is not necessary to pay personal income tax, state social insurance premiums and mandatory health insurance contributions on the premiums, if the premiums do not exceed 25% of the employee’s estimated employment-related income. Life insurance premiums are recognised as permitted deductions in accordance with the procedure established in the Republic of Lithuania Law on Corporate Income Tax.
 

Frequently asked questions

Terms and conditions