Insurance-investment program EuroHorizon 6

Features

A life insurance product, linked to an investment fund with a one-off premium payment of minimum EUR 2 500
A program, providing 100% protection of the capital of the net invested amount* and a possibility for additional yield at the end of the contract period up to 50% of the net invested amount* depending on the performance of the fund (possible total maximum yield of up to 50%)
Upon conclusion of the program an installment for the Guarantee Fund is also being paid as per Art. 565 of the Insurance Code, amounting to EUR 3.06 for the entire contract period
Sum Insured upon a fatal event as a result of accident – equaling the triple amount of the one-off premium, however not more than EUR 75 000
Insured person’s age – from 18 up to 70 years upon program conclusion and without age restrictions for the Policyholder

*The net invested amount is the one-off premium, less the premium for covered risk Death due to accident (risk premium) and the entry fee on the investment premium**, which covers the administrative expenses of the Insurer.

Net invested amount = One-off premium – Risk premium – Entry fee

**Investment premium – the one-off premium less the premium for the covered risk Death due to accident (risk premium).

The size of the entry fee depends on joining another investment insurance program.

Main insurance coverage

Death due to accident

The insurer pays out the sum assured and the value of the individual investment account.

In case of death due to illness the insurer pays out the value of the individual investment account

Information about the investment fund

The Unit linked Life insurance EuroHorizon 6 invests in an investment fund, managed by KBC Asset management:

Optimum Fund World Selection 100-1

ISIN: BE6368730014

Optimum Fund World Selection 100-1 is an investment fund with a fixed start and end.

The fund’s aim is to pay on the maturity date 100% of the initial amount of the net invested amount* through investing in bonds and cash as well as a possibility for additional yield at the end of the contract period up to 50% of the net invested amount, depending on the performance of the fund.

The fund’s yield is linked to the performance of a global-selection basket of assets, involving 30 companies with high market capitalization.

How does the program function?

The investment part of your premium (the paid one-off premium less the entry fee) is being invested in Optimum Fund World Selection 100-1 through the purchase of investment units.

Upon expiry of the insurance period, you will receive the deposited funds of the net invested amount*, even in the event of a negative change in the value of the units of the investment fund.

Upon an achieved positive change in the value of the investment fund’s units on maturity date, additional yield will be paid out, as it is limited up to 50% of the net invested amount for the entire period of the investment.

In the case of early termination of the contract, the value of the owned units as of the date of submission of the termination request is paid after deducting a surrender fee.

You can find more information about the investment strategy of the fund in the fund prospectus and in the Key information document.