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Life insurance & Investment

Taking care of the future is easy – you can start saving now to provide financial security for yourself and your loved ones. We advise both families and young people who have started an independent life to do this. This is especially true if something prevents you from earning an income or supporting your family

On this page:FAQ

Term life insurance – why to choose?

Investment life insurance is intended for those wishing to save and insure themselves.

Dreams are endless: high-quality studies, early retirement, a down payment on housing or a trip around the world. Knowing what you are saving for and how many years you have to achieve your goal gives you have a strong motivation to invest the required amount within the set time limit. You can save for yourself or your loved ones. Besides, the desire to leave the respective amount to pre-designated heirs is one of the arguments that allows investing until longevity.

In the event of unforeseen financial difficulties, you will have the opportunity to withdraw a part or all of the accumulated capital. You can build your financial security by starting to save now, and you can add insurance coverage later in life when different needs arise, for example, when you start to play any sports or actively travel.

It is important to clarify your goals of saving, choose the right investment plan and insurance coverage. You can choose the right insurance options by consulting with an ERGO consultant – we are always ready to help you.

Attractive conditions for premiums

The minimum monthly premium is only EUR 50, so you can easily start saving. And periodic investing helps to manage investment risk and increase the capital.

Professional investment decisions

Depending on your needs, you can choose from several investment programmes prepared for your convenience by professional investment specialists. You can change the investment plan 4 times a year for free.

Comprehensive insurance coverage package

You can also include family insurances (life, critical illness, disability, relevant accident insurance coverage, etc.). More selected coverages require higher premiums – we have to add up the desired coverages and savings premium if you consider accumulation as your main goal.

A convenient way to combine savings and insurance

It is an easy start for those who want to raise money and gradually increase their knowledge in the field of investing with the help of ERGO specialists.

Attractive conditions for premiums

The minimum monthly premium is only EUR 50, so you can easily start saving. And periodic investing helps to manage investment risk and increase the capital.

Professional investment decisions

Depending on your needs, you can choose from several investment programmes prepared for your convenience by professional investment specialists. You can change the investment plan 4 times a year for free.

Comprehensive insurance coverage package

You can also include family insurances (life, critical illness, disability, relevant accident insurance coverage, etc.). More selected coverages require higher premiums – we have to add up the desired coverages and savings premium if you consider accumulation as your main goal.

A convenient way to combine savings and insurance

It is an easy start for those who want to raise money and gradually increase their knowledge in the field of investing with the help of ERGO specialists.

Term life 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.

Term life insurance – what we insure against?

Investment funds and programmes

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

You can choose from three ERGO investment programmes and decide on the basis of their features – which best suits your investment objective, which has the fluctuation amplitude closest to your tolerance for possible fluctuations in the investment market.

Interested in investment advice? We are ready to help you

Low contract fees

We charge competitively low 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 charge competitively low 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.

Frequently asked questions

Terms and conditions of investment life insurance