This insurance is a variety of the classic Life insurance where any insurance payments are fully or partially dependent on the value of shares issued by investment companies and contractual funds performing their business under the legal conditions and procedure of public tender of securities, as well as shares in joint investment schemes, or on the value of assets included in the insurer’s in-house funds.
The insured person chooses his investment strategy himself. The investment strategy comprises of any specific groups of investment funds chosen by the insured person, where his insurance premiums and the percentage ratio for investment in each specific group of funds will be invested.
Death during the insurance term – insurance value + additional interest as to the date of death
Permanent loss of ability to work in result of insured accident up to 30%-50% – percentage of the insurance sum equal to the percentage of lost ability to work
Permanent loss of ability to work in result of insured accident over 30% – 50% the insured person is exempt from further payment of premiums and remains effective for the full amount of the insurance sum.
Survival – insurance sum plus any additional income accrued in the term
Exemption from payment of premiums in case of permanent disability over 50% caused by an accident
Protection from inflation
– to be agreed at signing the insurance contract.
BGN, EUR or USD
5 to 25/30 years
In instalments (every 1, 3, 6 or 12 months)
For the customer: up to 10% of the taxable income of individuals
For the employer: as per the Corporate Income Tax Act
Documents and forms at signing the insurance contract
A request for conclusion of „Life“ insurance and a health declaration thereto:
Financial questionnaire (for policies at the value of over 60 thousand BGN or 30 thousand USD/EUR)
Medical tests – over certain insurance sums
A declaration of funds origin – for insurance premiums due throughout the term at the total value of over 30,000 BGN
Early termination of the insurance contract
The Contracting person is entitled to early termination of the insurance contract, and receiving the insurance redemption value, provided the insurance includes the right to redemption
The insurer is entitled to terminate the effect of the Contract in compliance with the General terms and conditions
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