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

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.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.
Life risk insurance
Life insurance provides financial protection to the family in the event of the death of the insured person due to illness or death (except for non-insured cases). It is especially relevant for persons with financial obligations that the burden of the loss of the breadwinner does not fall on his/her family.
Accident insurance
This insurance will provide financial protection for you and your family in the event of an accident:
- death (we will pay out the total sum insured set for this insurance risk);
- disability (we will pay out a part of the sum insured for the case of disability, depending on the degree of disability);
- injuries (we can cover you against: bone fractures, meniscus, tendon ruptures, dislocation of joints, soft tissue ruptures, burns, injuries (at least of degree III), brain haemorrhages, concussions and beatings of the head and spine, injuries to internal organs, etc.);
- daily allowance (we will pay daily allowance if the insured person is temporarily incapacitated for work due to an accident. The amount of the insurance benefit for each day of incapacity for work is set in the insurance contract);
- additional assistance (we will pay a benefit in case of acute illnesses and cover the necessary expenses of the insured person in the event of an accident).
Critical illness insurance
This insurance helps those who would not have sufficient savings in case of a serious illness. The received benefit would help provide financial security, compensate for reduced income during the period of incapacity for work, and provide funds for recovery and rehabilitation.
Once the event is recognised as an insured event, the entire critical illness insurance benefit selected in the insurance contract is paid out and this coverage expires.
List of insured diseases for adults (from the age of 18 years) – 39 diseases: malignant tumour, heart attack, stroke, heart surgeries and other serious diseases, for more information.
Critical illness insurance for children
When a child is seriously ill, financial support is needed not only to improve the treatment process, but also for the financial stability of the family – while the parents take care of the child, a part of the income may be lost.
List of insured diseases for children (from the age of 2 years) – 14 diseases: malignant tumour, chronic kidney failure, transplantation of internal organs, tissue complex, bone marrow and other serious diseases, for more information for more information.
Insurance against incapacity for work
Unexpected challenges in life can strike at any time, and the loss of working capacity affects the ability to support loved ones and ensure the former level of income. In this case, we will make sure that you do not have to experience financial worries.
In case of complete loss of working capacity and 0-25% of the level of participation (working capacity), the total sum insured will be paid out.
The amount of the premium depends on age, health status, type of work and leisure interests.
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.
Investment programmes
You can choose from three investment programmes:
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.
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.
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.