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Vital Invest

Investment life insurance.

Vital Invest is intended for:

  • clients of KB
  • all those who want to increase the value of their money and who are interested in arranging insurance coverage for themselves and their loved ones in the event of adverse situations in life

Characteristics of Vital Invest Investment Life Insurance:

  • investment life insurance for the event of death and survival
  • a unique possibility to actively participate in decision-making about investment of available funds
  • security in the event of unexpected situations in life
  • choice of your own investment strategy by selecting from the four funds on offer:
    • Fund with Guaranteed Appreciation
    • IKS Dluhopisový PLUS (bond fund)
    • IKS Balancovaný – dynamický (balanced fund)
    • IKS Akciový PLUS (equity fund)
  • possibility of combining any of these for the optimum returns
  • the chosen strategy can be changed at any time over the course of the insurance
  • the guaranteed rate of minimum appreciation for 2013 in the case of the Fund with Guaranteed Appreciation is 2% p.a.
  • Vital Invest offers four alternatives with a different range of insurance coverage for the event of death, through which you can provide your loved ones with security
  • individual alternatives differ in the level of risk premiums
  • possibility of arranging comprehensive additional accident insurance up to the level of CZK 1 million, which includes coverage of the following risks:
    • death as a result of an accident
    • permanent effects of an accident
    • injury as a result of an accident
  • guarantee of the return on your investment for the event adverse market development
    • an automatic part of the product
    • in the event of a claim, the beneficiary will receive the sum insured for the event of death at the agreed level
    • they will also be paid the higher of the amounts – current value of funds invested at the date of death or insurance premiums paid to date (invested part)
  • flexibility for access to money whenever you want
  • possibility of flexibly reacting to a change in your requirements and demands
  • all changes (with the exception of transfer of money between funds) free of charge

Advantages of Vital Invest:

  • possibility of achieving attractive appreciation of deposited funds
  • guaranteed income
    • 2% p.a. for 2013 in the Fund with guaranteed appreciation
  • unique insurance cover for you and your loved ones in adverse situations
  • guaranteed return on your investment in the event of death
  • maximum flexibility: in terms of the insurance contract, you can change the focus of the product – investment versus insurance
  • tax allowances – subject to meeting the conditions as set out by law, insurance premiums can be deducted from the tax base up to the level of CZK 12,000 p.a.

Vital Invest allows you to:

  • increase the value of your savings for your medium-term and long-term plans
  • secure yourself against unexpected events in life
  • flexibly adjust the Vital Invest contract to changes in your life
  • gain a bonus in the form of a guaranteed return on your investment in the event of a claim
  • utilise tax allowances, offered by the states

How to get Vital Invest?

  • contact your relationship manager
  • call the free KB Info line on 800 521 521

The product is provided by Komerční pojišťovna, a. s.

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