Classic accumulative life insurance in Austria * Balts Capital GRAWE

GRAWE Excellent Basic

GRAWE EXCELLENT Basic (tariff – GAV1) is an ideal combination of life insurance, as it provides you with the security of building capital accumulation and life insurance at the same time. You yourself determine the amount of the annual premium (starting from EUR 300) and thus also the amount of your insurance protection and your family’s future security. In case of premature death of the insured person before the end of the insurance term, the beneficiaries are paid the full sum insured under the policy plus profit sharing. At the end of the contract term, which can be from 10 to 55 years at your choice, you will receive the insurance amount plus the accumulated participation in the company’s profit for the entire contract period.

The minimum annual premium is EUR 300.
The maximum insurance amount is EUR 100,000.
The minimum age at the time of signing the contract is 15 years.
The maximum age at the time of signing the contract is 60 years.
The maximum age at the end of the contract term is 70 years.
The payout amount at the end of the contract term is the sum insured under the policy plus profit sharing.
The payout amount in the event of premature death is the sum assured under the policy plus the accrued profit at that time.

GRAWE Excellent Flex

Classic life insurance with savings and the option to withdraw a certain amount of money from the policy

GRAWE EXCELLENT Flex (tariff – GAV1E) is the most flexible combination of life insurance, as it provides you with the security of creating capital savings and life insurance at the same time, and allowing you to withdraw a certain amount of money from the policy up to 8 times during the term of the contract. You yourself determine the amount of the annual premium (starting from EUR 600) and thus also the amount of your insurance protection and your family’s future security. In case of premature death of the insured person before the end of the insurance term, the beneficiaries are paid the full sum insured under the policy plus profit sharing. At the end of the term of the contract, which can be from 20 to 40 years at your choice, you will receive the insurance amount plus a share in the company’s profit for the entire term of the contract.

The minimum annual premium is EUR 600.
The maximum insurance amount is EUR 100,000.
The minimum age at the time of signing the contract is 15 years.
The maximum age at the time of signing the contract is 50 years.
The maximum age at the end of the contract term is 70 years.
The payout amount at the end of the contract term is the sum insured under the policy plus profit sharing.
The payout amount in the event of premature death is the sum assured under the policy plus the accrued profit at that time.

Advantages of GRAWE EXCELLENT Flex compared to other classic programs:

Shortened premium payment period (the minimum number of payments is 17 and the policy term is 20 years).
Possibility to withdraw a certain amount of money already after the 5th year of the contract.
Possibility to withdraw 2 years’ worth of premiums at one time.
It is possible to use this option in the future after every 3rd year following the 5th year, ie the 8th, 11th, 14th, 17th, 20th year of the contract.
Possibility to withdraw a certain amount of money from the policy up to 8 times.

GRAWE Excellent Elite

Classic life insurance with savings, which also includes insurance in case of serious illnesses

GRAWE EXCELLENT Elite (tariff – GDV1) is an ideal combination of life insurance, which provides you with the security of creating capital accumulation and at the same time insuring your life, as well as providing payment in the event of a serious illness in accordance with the insurance rules, not only for you, but also for your children, incl. , adopted, from 3 to full 18 years of age. You yourself determine the amount of the annual premium (starting from EUR 300) and thus also the amount of your insurance protection and your family’s future security. In case of premature death of the insured person before the end of the insurance term, the beneficiaries are paid the full sum insured under the policy plus profit sharing. The insurance amount and the accumulated profit will also be paid out if the insured person is diagnosed with one of the diseases mentioned in the insurance regulations. A flexible term of the contract, which can be from 10 to 47 years at your choice, will protect you and your loved ones in unforeseen situations.

The minimum annual premium is EUR 300.
The maximum insurance amount is EUR 25,000.
The minimum age at the time of signing the contract is 18 years.
The maximum age at the time of signing the contract is 55 years.
The maximum age at the end of the contract is 65 years.
The payout amount at the end of the contract term is the sum insured under the policy plus profit sharing.
The payout amount in the event of premature death is the sum assured under the policy plus the accrued profit at that time.
The payout amount in the event of a critical illness is the sum insured under the policy plus the accrued profit at that time.
The payment amount in the event of a child’s serious illness is ¼ of the insurance amount specified in the parent’s insurance policy, but no more than EUR 7,500.
If both parents have critical illness insurance policies, then if the child is diagnosed with one of the critical illnesses, the insurance benefit is paid to both policies.
If a payment has been made in case of the child’s illness, the insurance protection of the insured person continues to operate.
The insurance protection comes into effect after 3 months, counting from the date indicated in the insurance policy as the start of the insurance.

GRAWE Excellent Profit

Life insurance with accumulation and differential payment of the sum insured

The basic objective of the GRAWE EXCELLENT Profit (tariff – GAV5) program is long-term capital accumulation in combination with protection provided by life insurance. The duration of the contract (from 10 to 65 years) and the size of the annual premium (starting from 300 EUR per year) are determined by you, providing yourself with advanced insurance protection thanks to a differentiated insurance amount. The increase of this insurance amount is reflected in your policy and depends on the size of the premium and the duration of the contract. Your regular savings contributions (premiums) are invested by the GRAWE company in international high-yield capital investments in EUR currency, which are managed by professional portfolio managers. That is why higher income can be obtained than in traditional forms of savings.

GRAWE EXCELLENT Profit guarantees you that at the end of the term of the contract, the sum insured will be paid according to the policy plus the accumulated participation in the profit.

According to the insurance rules, in case of premature death of the insured person before the expiry of the insurance contract, the beneficiaries are paid the differentiated sum insured under the policy plus the accumulated profit sharing.

The minimum annual premium is EUR 300.
The maximum insurance amount is EUR 200,000.
The minimum age at the time of signing the contract is 15 years.
The maximum age at the time of signing the contract is 65 years.
The maximum age at the end of the contract is 80 years.
The payout amount at the end of the contract term is the sum insured under the policy plus the accrued profit sharing.
The payout amount in case of premature death is the differential sum assured under the policy plus the accrued profit at that time.

GRAWE Excellent Group

Group insurance, which can be concluded with all or part of the company’s employees and the possibility to change the insured person

GRAWE EXCELLENT Group (tariff – GAV5G) is a specially developed program for entrepreneurs. Securing the future of employees is an excellent form of strengthening employee motivation, loyalty and mutual trust.

Wage increases are associated with additional taxes and often provide workers with only a modest increase in actual income. However, securing with the help of GRAWE EXCELLENT Group can provide tax benefits. This form of insurance with savings is advantageous for both companies and employees.

GRAWE EXCELLENT Group is a group insurance that can be concluded with all or part of the company’s employees, regardless of the size of the company. According to one group insurance contract, no less than 10 people must be insured. The company is the “policy holder” who pays the annual insurance premiums for the employee – the “insured person”. Any amount of annual bonus can be chosen for one employee, starting from EUR 300. These regular payments are invested by GRAWE in international high-income funds in EUR currency. They are managed by professional portfolio managers to ensure maximum returns.

Like other GRAWE EXCELLENT tariffs, group insurance GRAWE EXCELLENT Group also guarantees that at the end of the term of the contract, the insurance amount will be paid according to the policy and the profit share accumulated at that time.

The minimum annual premium is EUR 300.
The maximum insurance amount for each insured person is EUR 200,000.
The minimum age at the time of signing the contract is 15 years.
The maximum age at the time of signing the contract is 65 years.
The maximum age at the end of the contract is 80 years.
According to the tariff conditions, all contract participants are considered to be 45 years old.
During the term of the contract, it is possible to change both the insured person and the policyholder.

GRAWE EXCELLENT Additional

Additional protection thanks to GRAWE EXCELLENT Additional

All GRAWE EXCELLENT classic programs Basic, Flex, Elite, Profit, Group can be combined with additional risk insurance tariffs within the coverage offered by GRAWE EXCELLENT. For example, with the GRAWE EXCELLENT Additional additional insurance, the risk of disability or death as a result of an accident can be insured. These additional tariffs come into effect from the first day of entry into force of the basic tariff. In addition, you can choose an insurance cost of 50% or 100% of the basic insurance amount.

Additional protection against permanent disabilities acquired as a result of an accident – Tariff UI30Z

By using this type of additional insurance, you have the opportunity to protect yourself against the consequences of permanent disability acquired as a result of an accident, with a loss of working capacity of 30% or more, regardless of whether the accident occurred while resting or at work. Think of the consequences for the family of an accident that leaves the insured person disabled or possibly incapacitated! The assessment of the degree of disability is provided in the insurance regulations.

Additional protection against the death of the insured person as a result of an accident – Tariff UTZ

Thanks to this additional tariff, it is possible to take care in advance of increased financial security for the family in the event of the death of the insured person as a result of an accident. In the event of an insured event, in addition to the insured sum, according to the policy terms, another contract sum is paid to the beneficiaries in the amount chosen by you.

Combined additional protection, additional protection against permanent disabilities acquired as a result of an accident – Tariff UI50P

With this additional insurance, if the degree of acquired permanent disability is 50% or more, you will not have to make premium payments for the basic insurance. GRAWE will do it for you.

Determining the degree of disability is outlined in the insurance conditions. The basic insurance remains in full force until the end of the contract.

Additional protection against serious diseases – Tariff RD1MZ3

This tariff protects you from the 91st day. The insured is covered if the insured person falls ill with one of the three serious diseases (heart attack, cancer and stroke) during the term of the insurance policy. If one of the mentioned serious diseases is diagnosed during the insurance period, you receive – depending on the selected insurance amount – a payment of EUR 2,500, EUR 5,000 or EUR 7,500. The amount of the additional insurance amount and the insurance period are agreed upon in the policy. This additional insurance is only possible with the GRAWE EXCELLENT Basic, Flex and Profit programs.

The minimum term of the contract is 5 years.

The maximum insurance amount is EUR 25,000.
The minimum age at the time of signing the contract is 15 years.
The maximum age at the time of signing the contract is 55 years.
The maximum age at the end of the contract is 65 years.
Survival time is 30 days from the date of diagnosis.
The policyholder always has the right to receive compensation in the event of a diagnosis of a serious illness.

Important note:
All information and product descriptions have been conscientiously and carefully prepared, but may contain abbreviated descriptions for better clarity. For a precise description of the amount of coverage of the insurance options in each individual case, only the policy regulations and contract insurance provisions apply.

GRAWE Excellent Advance

Credit against insurance policy collateral

The GRAWE EXCELLENT Advance tariff allows you to receive future insurance costs in advance according to your GRAWE EXCELLENT Basic, Flex, Elite, Profit, Group policies and at the same time maintain insurance protection. The amount of this cost depends on the terms of your policy. The maximum possible amount is 80% of the current surrender value of the given policy.

The minimum advance payment amount is EUR 3,000. Your life insurance contract must be valid for at least 3 years, current insurance premiums must be paid, and future insurance premiums must also be paid.

The GRAWE EXCELLENT Advance tariff is more advantageous than a bank loan. Only 5% per annum is payable for the advance payment as per the policy, which is collected in advance. Therefore, there are no additional costs – neither for the preparation of the loan granting agreement, nor for drawing up the loan against the policy pledge, nor for administration. In addition, you do not have to disclose the purpose of using the amount of money.

Receiving the GRAWE EXCELLENT Advance tariff is simple – you send a written application to GRAWE, indicating the desired amount of the advance payment according to the policy and attach a copy of your policy holder’s passport. After reviewing your application, GRAWE will send you a written offer, which you will have to sign and send back to the company. The amount of the advance payment will be transferred to the bank account indicated by you without delay.

GRAWE Excellent Unique

Life insurance with savings and lump sum

If you have accumulated capital, capital from the sale of property, received inheritance, gift or other income, the question arises as to how to invest this money more profitably to ensure your and your family’s future.

A lump sum in the GRAWE EXCELLENT Unique program combines the benefits of capital investments managed by professional portfolio managers with life insurance. The paid-up amount (one-time payment) is the guaranteed minimum that will be paid out in case of premature death of the insured person. At the end of the term of the contract, the sum insured will be paid out plus profit sharing for the entire term of the contract.

Capital formation

Your one-time contribution to the GRAWE EXCELLENT Unique program is invested by GRAWE specialists in securities with a maximum degree of safety in EUR currency, which are managed by professional investment experts. Thanks to this, higher incomes can be obtained than in traditional investment forms, which, moreover, do not offer insurance protection.

Capital guarantee

Thanks to high security and strict principles of money investment, GRAWE guarantees you to pay out the insurance amount according to the contract.

Profit sharing

With GRAWE EXCELLENT Unique, you have the opportunity to earn income because you participate in GRAWE’s profit sharing. Of course, profit cannot be predicted, but based on previous years’ profit data, it is possible to make reasonable predictions for the future.

The minimum investment amount is EUR 5,000.
The maximum investment amount is EUR 100,000.
The minimum age at the time of signing the contract is 15 years.
The maximum age at the time of signing the contract is 65 years.
The maximum age at the end of the contract is 80 years.

GRAWE Excellent Pension

Financial security for your future. Capital security and your pension payout guarantee.

GRAWE EXCELLENT offers many life insurance contract term options, taking into account your personal wishes and needs. GRAWE EXCELLENT programs Basic, Flex, Elite, Profit, Group are the basis of your pension fund. At the end of the term of your insurance policy, you can use the capital accumulated in the long term, as well as the profit of your savings. At that point, you can decide how you want to receive your private pension payments. Pension payout options – You can choose:

lifetime pension costs;
temporary pension costs in 10 years;
temporary pension costs in 15 years.

The option of payment in 10 or 15 years provides for a larger amount of pension payments! The payment can be made according to your choice: once a year, once a half year and once a quarter.

One-time investments to secure your pension.

Instead of the GRAWE EXCELLENT life insurance program with a multi-year term, you can make a one-time investment, which will become the basis of your retirement capital on the condition that you already have GRAWE EXCELLENT life insurance with annual premium payments. This option is recommended if you have a large amount of free funds at your disposal. After receiving an inheritance, selling real estate or another type of capital acquisition, the lump sum payment option ensures regular pension costs by choosing either lifetime pension costs or temporary pension costs in 10 or 15 years.

Security of your capital and guarantee of your retirement benefits

Your pension capital, regardless of the type of savings – sums accumulated in GRAWE EXCELLENT life insurance programs or a one-time payment, is deposited in securities with fixed interest and maximum security. In addition, you are guaranteed repayment of the remaining capital. Capital repayment means that in the event of the death of the insured person during the term of the pension payout, the existing capital balance is paid out to the beneficiaries you mentioned, ie the initial capital (lump sum or life insurance payout amount), minus the pension payouts made, constitutes the guaranteed amount that is paid to beneficiaries.

The basis of the pension capital is either the capital accumulated in GRAWE EXCELLENT life insurance programs or a one-time contribution.
The minimum investment amount is EUR 3,000.
The maximum investment amount is EUR 100,000.
The minimum age at the time of signing the contract is 30 years.
The maximum age at the time of signing the contract is 75 years.

Thanks to the GRAWE EXCELLENT Pension program, you do not have to wait to reach the statutory retirement age. You create your private pension yourself and you can receive it faster!

Indexing

Indexing is an investment hedge against inflation. GRAWE offers its clients timely indexation of investments taking into account the inflation rate in Austria.