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With finances in mind

Generali

Generali „With finances in mind” - life insurance with investment funds

Want to take care of your loved ones„ financial future while multiplying your savings? Generali's ”With a view to finances" insurance combines life insurance protection with investment in five insurance capital funds (ICFs) with different risk profiles.

Regular premium as low as PLN 50 per month, 100% of each payment goes to investments, and after 2 years you can suspend premium payments for any period. In addition, you have the option of extending the protection with 28 additional agreements and the establishment of IKE and IKZE under a single policy.

5 investment funds

Access to 5 UFKs with different risk profiles

28 additional agreements

Broad protection of life and health

Flexibility of the contract

Suspension of premiums as of the 2nd policy anniversary

Capital guarantee

Guaranteed PLUS Fund protects the paid-in capital

„With an eye on your finances” insurance coverage from Generali

The main contract includes death protection and investment of premiums in insurance equity funds. You can extend the coverage by up to 28 additional agreements - From accident protection to serious illness to pension products.

Master Agreement

  • Death of the insured: A benefit equal to the Policy Value plus 5% (max. PLN 1,500) plus the Additional Value, if any.
  • Investing in UFK: 100% of regular and additional premiums allocated for the purchase of units in selected funds.
  • Suspension of contributions: As of the 2nd policy anniversary, you can suspend premium payments for any period - life coverage continues.

Additional contracts (28 to choose from)

  • Term life insurance - additional SU on death.
  • Pension payment In the event of the insured's death.
  • Death as a result of NW, traffic accident, heart attack or stroke.
  • NW permanent disability - A benefit commensurate with the degree of disability.
  • NW permanent health impairment (Option I or II) - payment for each percentage of damage.
  • NW injury not causing permanent damage to health.
  • Assistance - A package of medical and organizational services.
  • Hospital stay as a result of NW + medical reimbursement.
  • Lump sum drug coverage After a hospital stay.
  • Heart attack or stroke - one-time benefit.
  • Cancer In the insured or his/her children + oncology assistance.
  • Serious illness (+ additional diseases) - a broad catalog of diseases.
  • Second medical opinion - Consultation with an independent specialist.
  • Major surgeries and specialized procedures - hospital benefits.
  • Hospital stay (general) + medical services.
  • Injury due to heart attack/stroke.
  • Total inability to work - one-time benefit.
  • Taking over the payment of premiums In the event of incapacity for gainful employment.
  • Inability to live independently.
  • Child Health - Health protection for the insured's children.
  • IKE (Individual Retirement Account) - saving with tax benefits.
  • IKZE (Individual Retirement Security Account) - tax deduction of contributions.

Insurance equity funds (UFK)

Under the policy, you have access to 5 funds with different risk profiles. You can freely transfer funds between them through your Generali Client Account.

FundRisk profileManagement feeAdministration fee
Generali Guaranteed PLUSlow1,50% per year0.70% per year
Generali Lokacyjny PLUSlow1,20% per year0.95% per year
Generali Korona Bonds Universal Elow–1,65% per year
Generali Stable Growth EMedium–1,60% per year
Generali Shares: Megatrends Ehigh–1,55% per year

Generali Guaranteed PLUS Fund

Fund Generali Guaranteed PLUS protects your capital - if you keep your investment for a minimum of one year and the price of the unit falls below the purchase price, Generali will refund you the difference. This is an ideal solution for people who value the security of funds and want to invest without the risk of losing their capital.

Dues and fees

The minimum regular premium is only PLN 50 per month (PLN 150/quarter, PLN 300/half-year, PLN 600/year). The entire 100% of the premium is used to purchase fund units - no initial fee.

In addition, you can deposit additional contributions (min. PLN 150), which go into a separate investment account. From the 2nd policy anniversary, you have the right to suspend payment of regular premiums for any period.

Redemption fee1. year2nd year3rd year4th year5th year+
Total redemption4%3%2%1%0%
Partial redemption––2%1%0%

Contact a Polisarium advisor at. 325 325 325, to get a customized premium calculation tailored to your needs.

Download the T&C „Generali, with your finances in mind” (PDF)

How to make a deal

  • Contact a Polisarium advisor - call: 325 325 325.
  • The advisor will conduct an analysis of your insurance and investment needs.
  • Together you will choose the risk profile, the allocation of premium in the funds and possible additional contracts.
  • You will fill out the application - Generali will evaluate it and confirm the conclusion of the contract.
  • Pay the first premium - insurance coverage begins the next day.

Disclaimers

The Society shall not be liable under the main contract in the following cases (in accordance with the T&Cs):

  • War, hostilities, martial law; active and voluntary participation in acts of violence, terrorism, riot or civil commotion.
  • Suicide of the insured committed during 2 years From the date of the main agreement.
  • Situations covered by international sanctions (UN resolutions, EU, US, UK, RP sanctions).

Frequently asked questions about „With an eye on finance”.”

This is life insurance with insurance equity funds (UFK). It combines protection in case of the insured's death with the investment of premiums in 5 funds with different risk profiles - from low (bonds, guaranteed fund) to high (stocks).

The minimum regular contribution is PLN 50 per month (PLN 150/quarter, PLN 300/half year, PLN 600/year). The entire 100% of the premium is allocated to investments. In addition, you can make additional contributions - a minimum of PLN 150, which go to a separate account.

The contract can be concluded by a person who is at least 15 years old on the date of conclusion and has not reached the age of 61. The contract is concluded for an indefinite period of time.

This is a low-risk fund with a capital guarantee. If you maintain an investment in this fund for a minimum of one year and the price of the unit is lower than the purchase price, Generali will refund you the difference. This is an excellent solution for people who want to invest safely.

Yes. As of the second policy anniversary, you can suspend payment of regular premiums for any period, provided you pay all premiums due for the first two years. The life coverage continues and you can continue to pay additional premiums during the suspension period.

The total redemption fee in the first policy year is 4%, in the second 3%, in the third 2%, in the fourth 1%, and from the fifth year - 0%. Partial redemption is possible from the second policy anniversary.

Yes. You can expand your master contract to include an Individual Retirement Account (IKE) or an Individual Retirement Security Account (IKZE). This allows you to combine life protection, investing and saving for retirement with tax benefits in one policy.

Why choose „With an eye on your finances” insurance?

Generali's „With Finance in mind” is a combination of life protection and investment in one product. Five funds with different risks (including Guaranteed PLUS with capital protection), 28 additional contracts covering health, accident and retirement, and premiums as low as PLN 50/month. - all in a flexible formula with the possibility to suspend premiums from the 2nd year.

Call a Polisarium advisor: 325 325 325 - We will help you select funds and coverage that match your financial goals.