Unit linkedSafety goes hand in hand with success!

Do you want to gain profit and have access to investment opportunities?

Do not miss the chance to invest an amount of money and be protected at the same time. If you have an amount of money, not very large, and a stable monthly income, you can make this surplus of money to work for you. Take advantage of this opportunity!

The unit-linked BCR Acord insurance is an insurance created for the persons who want to invest and, at the same time, be protected by a life insurance.

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Features

Insured

Any person aged between 18 and 75 years

Duration of insurance

5 – 57 years

Payment of insurance premiums

May be made in installments (annually, sub-annually) or unique

BCR Acord investment programs

The insurance has two components – protection and investment. Part of the insurance premium is used to protect you, and the other part, to invest in buying units in investment funds with various degrees of risk.

Payment of insurance premiums

You choose the value of the premiums and the payment frequency (annually, every six months, quarterly, monthly). You may make additional payments.

How does it work

Protection component – regardless of any program or program mix you may choose, your family benefits from the insured amount guaranteed in case of death. In case of death of the Insured, the Beneficiary will receive the bigger value between the guaranteed insured amount and the value of the individual account evaluated on the last day of transactions before the notification date of the death, increased by 5% of the guaranteed insured amount.

Investment component – depending on your orientation towards the risk – you may dispose of 3 investment programs with various degrees of risk. You may choose one of them or a program mix - Piano (minimum risk), Forte (medium risk), Fortissimo (high risk). With the part of the premium destined for investment, are purchased units in the investment funds chosen by you.

Additional options

By adding the option PLUS PROTECTION, you extend protection in events of unemployment, temporary capacity of work, total and permanent invalidity.

What can you do during the contract?

Modify the insured amount

Attach additional clauses

Supplement the payment of the insurance premium

Change the investment programs

Change the insurance beneficiary

 

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Advantages and benefits

  • Accessibility – you must not dispose of large amounts to invest;
  • Protection – insured amount guaranteed in case of death of the insured person;
  • Possibility to extend protection (unemployment, temporary incapacity of work, total and permanent invalidity);
  • Flexibility;
  • Transparency – the evolution of your investment programs is published periodically on the company’s site;
  • Professionalism – The unit-linked investment programs are administrated by Erste Asset Management – Number 1 in the industry of open investment funds in Romania;
  • The indemnities and the amounts resulting from life insurances are not subject to taxation, according to the laws in force;

 

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Tips & Tricks

How to take advantage of investment opportunities by means of the unit-linked insurance

  • Invest only the money that you do not need in a very short time;
  • Make sure you have understood how this product works;
  • Invest reasonably! A discussion with an insurance counselor and an analysis of your investment profit will help you make the right decision;
  • Diversify the investment you make. You may choose depending on orientation towards risk or you may choose an investment mix;
  • Follow the evolution of your investment!
  • Change the investment programs or the allocation percentage, if your personal situation changes!
  • Keep in touch with your life insurance counselor, he will help you maximize the benefits of your unit-linked insurance.

 

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Get information for free

Your BCR Asigurari de Viata VIG insurance advisor may provide you with a free analysis of your needs so that you may make the best decision for you.

I want more information
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Download

BCR ACORD brochure [pdf; 230.5 KB]
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