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Securing your financial future

Warta

Warta Bezpieczna Przyszłość - life and endowment insurance with guaranteed capital

Do you want to protect your loved ones in case the worst happens, and at the same time accumulate capital for the future? Warta Safe Future is an individual life and endowment insurance that combines protection with a guaranteed payment of a fixed amount at the end of the contract. In case of death - the benefit goes to the designated persons. If you live to the end of the term - you receive the full sum insured plus a profit-sharing bonus. You can extend the protection with as many as 15 additional contracts and optional investment in equity funds.

Guaranteed capital

At the end of the contract, you receive the full sum insured - regardless of events

15 additional agreements

Expanded coverage for health, accident, serious illness and death

Share of profit

Annual insurance bonus increasing the value of the benefit

Equity funds

Optional investment part - 6 UFK funds managed by Warta

Warta Safe Future Insurance Coverage

The insurance consists of a mandatory part (basic contract + additional protection contracts) and an optional investment part (UFK). Here is the full range of available protection:

  • Death of the insured - basic contract. In the event of death, beneficiaries receive the full sum insured plus the insurance premium, without inheritance proceedings.
  • Living to the end of the contract period - basic contract. At the end of the contract, the insured receives the guaranteed sum insured + profit-sharing bonus.
  • Death as a result of an accident / traffic accident - Additional benefit paid in addition to the basic benefit when the cause of death was an accident or traffic accident.
  • Serious illness - Benefit upon diagnosis of one of the 28 diseases in Warta's catalog. Liability limit of PLN 600,000, no pre-existing clause. Grace period of 90 days.
  • Hospital stay - Daily benefit for hospitalization due to illness or accident (including ICU). Can be expanded to include drug insurance.
  • Surgeries and specialized treatment - benefit for surgical operations (5 levels) and for 7 specialized treatments (ablation, chemotherapy, dialysis and others).
  • Permanent damage to health as a result of the accident - A benefit proportional to the degree of injury (1-100% of the amount of additional insurance).
  • Inability to live independently - A one-time benefit when the insured loses the ability to perform 3 out of 5 activities of daily living. Grace period of 90 days (illness).
  • Assumption of premium payment - In the event of permanent disability, Warta takes over payment of premiums for the entire contract (entry age up to 55).
  • Warta Medical Assistance + Second Medical Opinion - Access to teleconsultation, organization of medical appointments and professional second medical opinion.

Premium and minimum amounts

The amount of premium depends on age, health status, contract period, sum insured and coverage selected. Below are the minimum monthly premiums:

Contract elementA period of 10-15 years (until age 44).Period of 16-25 years (from age 45).
Mandatory part (basic + protective)180 PLN/month.200 PLN/month.
of which: basic contract (life and living)PLN 1,000/month max.PLN 1,000/month max.
of which: additional protection agreementsmin PLN 50/month.min PLN 50/month.
UFK (investment part, optional)min PLN 50/month.min PLN 50/month.
UFK additional contribution (one-time)min 250 złmin 250 zł

The premium can be paid monthly, quarterly, semi-annually or annually. The premium guarantee for additional protection contracts is 5 years.

Guaranteed payout + profit sharing bonus

If you live to the end of the insurance period, you receive the full sum insured - it's guaranteed. In addition, every year Warta awards a share of the profit, which creates an insurance bonus that increases the value of the benefit on both life and death. It's a way to provide additional security for retirement, to pursue your dreams or to pay off a loan.

Investment part - insurance equity funds

Optionally, you can expand the contract to include an investment component - insurance equity funds (UFK) managed by Warta. Available funds:

FundRisk indexNature
WARTA Safe2Treasury bonds, low risk
WARTA Debt Securities3Debt securities, moderate risk
WARTA Emerging Markets Bonds2Emerging market bonds
WARTA Stable Growth3Mix of bonds and stocks
WARTA Polish Shares 24Polish shares, higher risk
WARTA World Shares 24Global equities, higher risk

The investment part involves the risk of capital loss - the value of units can fluctuate. The administrative fee is 0.17% per year, and the management fee ranges from 1.25% to 2.00% per year, depending on the fund.

How to make a deal

  • Contact your Polisarium advisor: 325 325 325.
  • The advisor will analyze your needs and propose the optimal coverage and contract period (10-25 years).
  • You will fill out an application and answer questions about your health. The insurer may refer you for tests (at its expense).
  • You sign the contract and pay the first premium. Temporary protection (accident, up to PLN 100,000) starts immediately.
  • Once your application is approved, you will receive your policy - full insurance coverage takes effect.

📄 Download Warta Safe Future Product Charter (PDF)

The most common exclusions of liability

Below are typical examples of exclusions of the insurer's liability. For a complete list, please refer to the T&Cs provided to you prior to contracting.

  • Suicide or attempted suicide within 2 years of the insurance contract.
  • Warfare, martial law, active participation in riots, disturbances or acts of terror.
  • Nuclear, chemical or biological contamination.
  • Treatments, therapies or medical procedures performed outside the control of physicians.
  • Driving without the required licenses or dangerous sports (scuba diving, climbing, skydiving, combat sports and others specified in the T&Cs).
  • Poisoning by alcohol, drugs or toxic substances affecting the event.
  • The commission or attempted commission of an intentional crime by the insured.

Frequently asked questions about Warta Safe Future insurance

This is an individual life and survivorship insurance. This means that it protects loved ones in the event of the insured's death (payment of the sum insured), and at the same time guarantees payment of a fixed amount if the insured lives to the end of the contract period. The benefit is increased by a profit-sharing bonus.

The minimum monthly premium for the mandatory part is PLN 180 (with a contract for 16-25 years, age up to 44) or PLN 200 (otherwise). The investment part (UFK) requires an additional min. 50 PLN per month.

The contract can be concluded for a period of 10 to 25 years, no longer than the policy anniversary after the insured turns 70. The insured must be 18-60 years old on the date of application.

If you live to the end of the insurance period, Warta pays you the full sum insured plus a profit-sharing insurance bonus. You can use the funds for any purpose - retirement, realization of your dreams or loan repayment.

Warta's catalog covers 28 disease entities. Payment is possible multiple times (for different diseases), up to a limit of PLN 600,000. Warta does not use a pre-existing clause or disease grouping - this is unique in the market.

Yes. Optionally, you can extend the contract with an investment part (UFK). There are 6 funds available with different risk profiles - from safe bonds to global stocks. Investing involves the risk of capital loss.

Call a Polisarium advisor at 325 325 325 325. The advisor will analyze your needs, propose the optimal coverage and help you conclude a contract.

Why choose Warta Safe Future insurance?

Warta Bezpieczna Przyszłość is one of the most comprehensive life insurance policies available on the Polish market. It combines a guarantee of capital payment at the end of the contract with extensive health and life protection - as many as 15 additional contracts covering serious illnesses (28 diseases without pre-existing clause), hospital stays, surgeries, inability to work and medical assistance. An optional investment component (6 UFK funds) allows you to further multiply your capital. An annual profit-sharing award increases the value of the benefit, and flexible premiums starting at PLN 180 per month make the product accessible to a wide range of 18-60 year olds.

Want to learn more? Call a Polisarium advisor: 325 325 325 - We will help you choose the best coverage and contract period to suit your needs.