Life insurance A prudent investment

The right investment is a decisive factor in developing the value of your future. With a Wise investment, you can refine your savings and at the same time ensure greater security for your loved ones.

It consists of:

• savings in funds,
• death insurance with a guaranteed sum insured and
• additional coverage in case of accidental death.

Guaranteed sum insured in case of death.

Additional cover in case of accidental death.

Tax benefits.

Additional advantages of wise investment:

	You can choose between two investment combinations and with an independent selection of funds.
	Admission without establishing a medical condition.
	The minimum investment amount is 2,000 EUR, with an option of additional payments starting from 500 EUR.
	The insurance policy is not subject to probate.
	Tax benefits.

Wise investment includes:

	Guaranteed sum insured in case of death. It amounts to 110% of the paid one-time premium or the value of the balance on the investment account if it is higher.
	Additional coverage in case of accidental death during the first 10 years of the insurance period - up to 50% of the premium paid, depending on the age of the insured person at the time of conclusion.
	The option of connecting the Additional insurance of the monthly accident pension for disability.

Most frequent questions and answers

What tax benefits does insurance include? 

After 10 years of the insurance term, the payment is not calculated:

tax on the turnover of insurance transactions in the amount of 8.5%
tax on life insurance income of 25%.

The tax advantage of additional one-off payments to an existing policy, because the tax treatment is tied to the date of the conclusion of the policy and not to the individual payment.

The possibility of an early payment in the form of an advance without sales tax
insurance transactions in the amount of 8.5%.

What is an advance? 

When you need the funds you have invested in the insurance during the duration of the insurance, you can receive them in the form of an early partial payment or advances. With Wise Investment, you can receive a payout of up to 90% of the property's value in the first 10 years, and 100% after 10 years. In case of an advance, the sum insured is reduced by the amount of the advance, and the guarantee for accidental death ceases upon payment.

Which investment strategies can I choose from? 

Depending on your expectations of investment returns, you can choose between two investment combinations and an independent selection of funds:

combination of funds Investment trends – dynamic,
combination of funds Investment trends – moderate,
independent selection of funds.

During the duration of the insurance, you can switch between different investment options.

When is the right time to make a Wise Investment? 

When you have available savings that you want to refine and at the same time take care of your loved ones in case of the worst.

By taking out insurance, you can more easily achieve your financial goals, such as marriage, the birth of a child or the purchase of a dream property.

If you have any other questions, we will be happy to answer them in one of our branches, where our experts are at your disposal, or click on the I am interested button, submit your information and we will contact you as soon as possible.

Are you interested in insurance Wise Invesment? The conclusion is simple.

With just one call

Click on I am interested, submit your information and we will contact you as soon as possible.

I AM INTERESTED

Contact us and we will help you find the best solution for you.
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080 17 70

In the branch

We are the most accessible bank with the widest network, where you can take out insurance and provide various other services throughout Slovenia.

	Insurance documents
	Brochure Smart investment
	General Terms and Conditions for Wise Investment and Supplementary Terms

Information about the insurance product

PRICE LIST AND GENERAL CONDITIONS

* Insurance is not a banking service. Nova KBM acts as a marketing representative, and the insurer is Zavarovalnica Triglav dd

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Life insurance A prudent investment | NKBM

Prudent investment is a one-time investment life insurance with a partial guarantee consisting of: savings in funds, insurance in the event of death with a guaranteed sum insured and additional coverage in the event of accidental death.

WISE INVESTMENT - SINGLE INVESTMENT LIFE INSURANCE

Most frequent questions and answers

Are you interested in insurance Wise Invesment? The conclusion is simple.

With just one call

In the branch

Insurance documents

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Insurance Specialisti and Specialisti+

Smart personal insurance

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