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Pension insurance with guaranteed interest
Who is it for?
Why it is useful to insure with us?
Guarantee
We guarantee that if you fulfill all the contract terms on time, we will pay out an amount no less than specified in the insurance contract upon the expiration of the contract term.
Interest
By making periodic payments throughout the entire insurance period, you will accumulate the desired amount, while we currently guarantee an annual interest rate of 0.5%, which will be calculated and added to the accumulated amount on the last day of each month. Additionally, once a year, at our discretion, a portion of the profit may be distributed and added to all active insurance contracts with guaranteed interest, allowing you to accumulate a bonus at our discretion as well.
Additional coverages
When entering into a contract, you can choose additional coverage for accident-related injuries and disability due to accidents.
Personal income tax (PIT)
By paying premiums under investment life insurance contracts, in cases stipulated by the laws of the Republic of Lithuania, you gain the right to benefit from an exemption from personal income tax (PIT). Starting in 2025, following amendments to the Income Tax Law, these PIT exemptions will gradually be phased out. The PIT exemption for contracts made before December 31, 2024, will remain valid for another 10 years. If you have entered into an investment life insurance contract, you do not need to take any action; the PIT exemption for premiums will be available until 2035. You can find out more here.
Why it is useful to insure with us?
Additional insurance services
By selecting the main life insurance, you have the option to acquire additional insurance services:
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Accident-related injuries
By purchasing additional accident injury insurance, in the event of an insured incident, you will receive a payout that depends on the severity of the injury. The insurance benefit will be equal to a certain percentage of the insured amount. The insured event is the bodily injury of the insured due to an accident. |
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Disability due to an accident
Injuries can range from mild to severe, but some injuries may have lifelong consequences. At such times, the last thing you want to think about is financial burden. We offer you the opportunity to take advantage of our additional disability insurance due to an accident. In the event of an insured incident during the validity of the insurance contract and upon determination of permanent disability, you would receive a one-time insurance payout, which would depend on the degree of disability and would be equal to a certain percentage of the insured amount. The insured event is the bodily injury of the insured due to an accident, provided that the consequence of the injury is permanent disability of the insured. |
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