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SPEKTRUM INVEST

SPEKTRUM INVEST investment life insurance combines the advantages of Spektrum universal life insurance with the modern means of investing into mutual funds.

SPEKTRUM INVEST insurance is extremely flexible and can be adjusted according to your current requirements. Due to its flexibility it can be readjusted to your new requirements at any time over the course of its duration. Tax benefits and the option of additional deposits and extra withdrawals form an integral part of the insurance.

Who is SPEKTRUM INVEST insurance designed for?

SPEKTRUM INVEST investment life insurance is based on flexibility and variability and is therefore designed for everybody from 14 to 70 years of age.

SPEKTRUM INVEST insurance represents a sound choice for those who do not fear to risk and require correspondingly attractive returns.

What does SPEKTRUM INVEST insurance protect you against?

You can choose from a wide range of various risk insurance protection even over the course of the insurance contract duration.

Within SPEKTRUM INVEST insurance you can protect yourself against the following risks:

Death,
Serious illnesses,
Permanent disability due to illness or accident,
Permanent disability due to accident,
Accidental death.

Investing in mutual funds

SPEKTRUM INVEST insurance contains the option of regular investment in up to five funds. The particular funds and their combination enable you to maximally increase the value of your money. You can choose into which fund or funds you want to invest according to the risk that you are willing to take and according to the expected return.

Funds available

Conservative fund – for those who do not like to take any risk but still require higher revenues than from bank deposit accounts.
Balanced fund – for those who are willing to slightly downgrade their definite claims in exchange for higher profits.
Growth fund – for those who are not concerned by short term investment value volatility and expect higher revenues over a longer time period.
Dynamic fund – for those who require high returns and like to risk.
Stock mix – for investors who require maximum returns even at the cost of higher risk

Advantages

Life insurance with investment into funds,
Higher financial revenue (the stock mix can reach up to 15 % yields p.a.),
Insurance scope and structure can be changed at any time,
Tax benefits,
Option of additional deposits and extra withdrawals,
Premium holiday.

Example

John is single. He is a successful entrepreneur and lives with his girlfriend.

John understands that unfavourable events can occur in life and therefore decided to underwrite life insurance to protect himself and his girlfriend.

As he is not worried to take a risk and requires a favourable increase in the investment value, he chose SPEKTRUM INVEST investment life insurance. He underwrote the insurance in the case of death with an insured sum of 200,000 CZK and insurance in the case of permanent disability due to accident with an insured sum of 200,000 CZK. He will pay 1,000 CZK per month. Above all, John wants to earn money and therefore he chose the Stock mix fund where he can expect a maximum increase in his investment value. The insurance term is for10 years. John can expect that after ten years he will receive 174,000 CZK*, which is sufficient enough for further investment into his office expansion.

Entrepreneur, 29 years old, single, with girlfriend
Effected insurance coverage: :
- Insurance in the case of death with an insured sum of 200,000 CZK
- Insurance in the case of permanent disability due to accident with an insured sum of 200,000 CZK
Chosen fund: Stock mix
Monthly insurance premium: 1,000 CZK
Expected investment value in 10 years: 174,000 CZK*

* This is only a theoretical value calculated on the basis of an expected fund increase of 15 % p.a. Since the investment and the investment return can be volatile over the course of the investment duration, the stated value is not binding.