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POSAG

Warta

Warta POSAG - a savings program for your child

POSAG is a savings and protection program from Warta, aimed at parents, grandparents and anyone else who wants to provide financial security for their child. Accumulate savings, and your child will receive a set amount between his or her 18th and 25th birthday.

Secure savings

When you enter into the contract, you decide how much your child should get between his 18th and 25th birthday. It can be more than in the contract, if the company manages to earn higher than anticipated profits.

Child's pension

In the event of your death, we can provide your child with a monthly annuity payment in the amount you set. Your child will have money, for example, to get an education, even when you are gone.

Payment guarantee

In the event of the death of the caregiver, the child will receive a set amount at the end of the contract, regardless of how many premiums have been paid. In the event of death in an accident, he or she may additionally receive a set sum insured.

Takeover of premiums

The option to take over the payment of premiums in the event of total disability of the insured guarantees that the child will receive a fixed amount when he or she reaches a certain age, even if you cannot pay the premiums yourself.

Scope of the Warta POSAG program

The POSAG program combines systematic savings with insurance protection:

  • Secure savings accumulation for the child - a fixed amount paid out between the 18th and 25th birthday.
  • The possibility of getting more than the guaranteed amount if the company earns higher profits.
  • Monthly pension for the child in the event of the death of the founder - in the amount determined by you.
  • Guaranteed payment of the full amount in the event of the death of the caregiver - regardless of the number of premiums paid.
  • Additional sum insured in case of death of the founder in an accident.
  • Assumption of payment of premiums in the event of total disability of the insured.

Guaranteed payout - even if you are missing

Warta POSAG guarantees that in the event of the death of a caregiver, your child will receive the full agreed amount at the end of the contract, no matter how many premiums have been paid. This is an assurance that your child will have a secure financial future.

Contribution

The amount of the premium depends on the set target amount, the age of the child, the chosen timing of the payout (between the 18th and 25th birthday) and the extent of the insurance coverage (annuity, assumption of premiums).

Contact a Polisarium advisor at. 325 325 325, to get a customized quote for the POSAG program tailored to your child's needs.

How to make a deal

  • Contact a Polisarium advisor or call: 325 325 325.
  • The advisor will help determine the target amount and the timing of the child's withdrawal.
  • You will choose the scope of protection - annuity, assumption of premiums, additional SU upon accident.
  • You sign the contract and start making regular deposits - saving takes off.

The most common exclusions of liability

Below are typical examples of exclusions. The exact wording can be found in Warta's T&Cs.

  • Unlawful acts or attempted/suicidal acts within the period specified in the T&Cs from the conclusion of the contract.
  • Being under the influence of alcohol, intoxicants or psychotropic substances, if this had an impact on the incident.
  • Diseases and conditions existing prior to the conclusion of the contract that were not reported to the insurer.
  • Practicing high-risk sports or participating in competitions without the appropriate clauses.
  • Driving without the required authorization.
  • Participation in hostilities, acts of terrorism or a fight (except for necessary defense).

Frequently asked questions about the POSAG program

POSAG is a savings and protection program from Warta, aimed at parents, grandparents and others who want to provide financial security for their child. When entering into the contract, you decide how much your child should get between his or her 18th and 25th birthday.

The funder can be any person - a parent, grandparent, grandmother, uncle, aunt or any other person who wants to provide financial security for the child's future.

The child will receive a fixed amount between his 18th and 25th birthday - you determine the exact moment of withdrawal when concluding the contract. The amount can be higher than the guaranteed amount if the company manages to earn higher than expected profits.

In the event of the death of the caregiver, the child will receive the full fixed amount at the end of the contract, regardless of how many premiums have been paid. In addition, a monthly pension for the child is possible, as well as an additional sum insured in case of death in an accident.

If the insured suffers a total disability and is unable to pay the premiums himself, Warta will take over the payment. The child will still receive the full agreed amount when he or she reaches the age specified in the contract.

Yes. In the event of the funder's death, Warta can provide your child with a monthly annuity payment in the amount you set. This will ensure that your child will have money, for example, to get an education, even when you are gone.

Contact a Polisarium advisor at 325.325.325. The advisor will help determine the target amount, the timing of the payout, and the scope of protection tailored to your needs.

Why choose the Warta POSAG program?

Warta POSAG is a savings and protection program that allows you to safely accumulate funds for your child's future. A fixed amount paid out between their 18th and 25th birthdays, a monthly annuity in the event of the founder's death, a guaranteed payout regardless of the number of premiums paid, and taking over the payment of premiums upon disability - this is comprehensive security for your child's financial future.

Contact your Polisarium advisor: 325 325 325.