At the time of unstable financial markets, insurance products with a guaranteed return are very attractive for Czech consumers. Last year, Komerční pojišťovna's key products with a guaranteed yield, Vital Invest and Vital Premium, provided clients with a yield of 3.5% p.a. and 3.6% p.a., respectively. Komerční pojišťovna offers a guaranteed growth in value of up to 3.3% p.a. also for 2010.
The growing demand for Komerční pojišťovna's insurance products in recent years is practical evidence of the successful implementation of the bank insurance model. Sales of insurance products through the bank bring a number of benefits for clients - insurance products often suitably complement conventional banking services, and clients can receive full financial and advisory services at one place. Moreover, insurance products provided in this way are not burdened by higher costs of commissions that are paid to insurance agents or brokers.