What can we
help you with?

Let your savings work and ensure
the future for youself and
your loved ones

Deduct up to CZK 24,000 from your taxes every year

Specify a beneficiary to receive proceeds without inheritance procedure​

Also guaranteed 
investment funds

Modify the focus at any time – investments vs. insurance coverage


  • Security for you and your loved ones in case of death or injury

  • Returns on your investment under above-standard conditions

  • Long-term investment with withdrawals allowed

  • Individual approach and your own decision about the allocation of investment


By phone

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At a branch

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  • Unit-linked life insurance for the event of death or maturity
  • Protect yourself and your loved ones while receiving attractive returns on your savings

Select your own investment strategy through a fund portfolio:

  • Guaranteed Interest Fund
  • Amundi CR Krátkodobý (short-term)
  • Amundi Multi Asset Real Return
  • Amundi Global Equity
  • Combine these funds to achieve optimal returns
  • Conservative clients may invest some of their funds in the Guaranteed Interest Fund
  • Revise your selected strategy at any time throughout the insurance term
  • Choose from 4 options in connection with the coverage for the event of death

Comprehensive accident insurance available with insured sum of up to CZK 1 million, covering the following risks:

  • Death resulting from an accident
  • Permanent disability resulting from an accident
  • Damage resulting from an accident
  • Guaranteed returns on investments in case of death – beneficiaries will receive the agreed amount as well as the higher of the following: current value of invested funds as at the date of death or insurance premium paid so far (invested part)

Guaranteed Interest Fund:

  • Profit shares are always added to the declared guaranteed interest rate at the beginning of the next year

Current guaranteed interest rate for 2023:

  • 3.0 % p.a. for the Guaranteed Interest Fund for any agreements concluded as from 1 January 2023. If the condition concerning investments in other funds is fulfilled, it is possible to earn a bonus of up to 2 % p.a. – in addition to the guaranteed interest rate.
  • 1.7 % p.a. for the Guaranteed Interest Fund for any agreements concluded by 31 December 2022. If the condition concerning investments in other funds is fulfilled, it is possible to earn a bonus of up to 0.7% p.a. – in addition to the guaranteed interest rate.

This document does not represent an investment recommendation under Regulation (EU) No. 596/2014 of the European Parliament and of the Council on market abuse. Moreover, it does not constitute investment consulting services pursuant to Act No. 256/2004 Coll., on Capital market undertakings, as amended. The information herein is not intended to be an offer to buy or sell any investment instruments or any other solicitation or invitation to buy or sell such instruments.

By law, Komerční banka, a. s. shall not provide legal or tax advisory services. Before any investment, clients should perform their own risk analysis in terms of legal, tax, and accounting consequences, without exclusively relying on the information provided herein; moreover, clients are advised to consult their tax or other advisors.

Komerční banka, a. s. does not assume any liability for damage incurred as a result of relying on this document or information included herein in excess of any liability foreseen by the applicable legislation. Each investor shall adopt their own informed decision regarding the investment suitability, as the investment instrument specified herein may not be suitable for all investors.

Past performance of investment instruments is not necessarily indicative of future performance. Expected future performance depends on premises that may not materialise. Investment instruments and investments are associated with different investment risks, whereas investments may fluctuate in value and even the initially invested amount may not be fully recovered. Furthermore, investment instruments denominated in other foreign currencies are also exposed to risks arising from changes in foreign exchange rates, with potential positive or negative impact on investment instrument prices and consequently the investment returns.

Employees of Komerční banka, a.s. and of other companies of the same financial group, including their close persons and authors of this document, may – from time to time – trade in or hold the investment instruments described herein or derivatives derived therefrom. This document shall not be binding on Komerční banka, a.s. or other companies of the same financial group in connection with the provision of their investment services to their clients.

This document has been issued by Komerční banka, a. s. – i.e. a bank and an investment firm within the meaning of the applicable legislation. As such, it is subject to supervision by the Czech National Bank.

This site containing investment products and insurance-based investment products is not intended for citizens or residents of the United States of America (USA) or for any “U.S. Person” as defined in SEC Regulation S under the United States Securities Act of 1933. The investment products and insurance-based investment products described on this website are not registered under the US federal securities regulations or any other regulation of any state of the United States.. Consequently, no investment product and insurance-based investment product may be offered or sold directly or indirectly in the USA, or to or for the benefit of residents and citizens of the USA and/or U.S. Persons.

This restriction also applies to residents and citizens of the USA and U.S. Persons who may access this website while outside of the USA.

Komerční banka, a.s. in providing advice on Insurance-Based Investment Products (“investment life insurance Vital Invest”) in cooperation with Komerční pojišťovna, a.s. and investment company Amundi takes into account, in accordance with Regulation (EU) 2019/2088, the selection of Amundi investment funds in order to meet the objective of offering primarily funds meeting the sustainability criteria (so-called "ESG" or "green" funds). The offer of investment funds meeting the above criteria will be expanded together with the expanding offer of Amundi, whose ambition is to apply the ESG criteria for the entire offer of investment funds by the end of 2021. More information at www.kb.cz/SFDR and https://www.amundi-kb.cz/investicni-reseni/odpovedne-investovanhttps://www.kb-pojistovna.cz/cs/kb-pojistovna/informace-tykajici-se-udrzitelnosti.shtml.

Documents to download:

Vital Invest Insurance Terms and Conditions (Czech version only) (PDF, 1,9 MB)

Key Information Document (Czech version only) (PDF, 462 kB)


Komerční pojišťovna, a.s.

Good to have

Investment Funds
Invest in funds and let your money do the work
  • Quick access to your money, normally within a week
  • Investments in CZK and foreign currencies
Vital Premium
Savings life insurance with a single investment and attractive returns
  • Guaranteed appreciation with interest rate 1,7 % p. a. (EUR) or 1,8 % p. a. (USD)
  • You can withdraw invested money any time