for 2023

1,7 % p. a. (EUR)
1,8 % p. a. (USD)

Minimum investment of EUR/USD 100,000

Higher insurance benefits in the event of death

Withdraw your money at any time, without sanctions


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

  • Invest your money for at least 5 years

  • Invest your money under above-standard terms

  • Benefit from guaranteed returns


By phone

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At a branch

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  • Savings life insurance for the minimum period of 5 years
  • Minimum investment of EUR 100,000 (or USD) – made in the form of a single payment, with the money always available
  • In the event of survival, the agreed amount is paid out, together with any accrued profit
  • In the event of death, the specified beneficiary receives increased insurance benefits without inheritance procedure
  • Insurance benefits are paid out within 2 weeks from the delivery of all documents
  • At the beginning of each year, we will announce the minimum total returns for the given year, including expected shares in profit
  • For 2023, Komerční pojišťovna guarantees minimum returns of 1.7% p. a. (EUR) and 1.8% p. a. (USD), as appropriate
  • At the end of each year, the total returns for the previous year are announced, with other shares in profit (if any)
  • Make extraordinary contributions of no less than EUR (USD) 5,000 at any time
  • Make one-of or regular withdrawals of no less than EUR (USD) 2,000 at any time
  • Payments are exempt from inheritance tax and income tax 
  • For more information, visit the website of Komerční pojišťovna.


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 U.S. Securities Act of 1933. The investment products and insurance-based investment products described on this website are not registered under the U.S. federal securities laws or any other relevant U.S. state laws. Consequently, no investment product may be offered or sold directly or indirectly in the USA, 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.

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