Saving Life Insurance

Our objectives are to provide current financial independence and an acceptable quality of life in the future; achieving these aims directly depends on our solutions! Ensure financial stability for yourself and your family with the help of special purpose savings and additional investment income.

A Personal Capital program provides a guaranteed implementation of your specified financial objectives.

Key program objective

Make savings to implement any future plans. The program provides you with the opportunity:

  • To obtain the amount you’ve saved in one instalment and achieve your desired objective.
  • To take care of your own and your family’s financial independence.
  • To ensure protection for you and your family in the event of force majeure.
  • To accumulate cash reserves for the future in the event of heavy expenditure.

Example

Client: 30 years

Objective: guaranteed to save up enough money of purchasing a garden plot for the family

Minimum amount required: 3,000,000 RUB

Savings term: 15 years

Annual deposit: 200,000 RUB

* The calculation above was made based on the probable rate of return, which is subject to fluctuations according to the actual performance indicators of the insurance company. As of 2006, the average real return per annum amounted to 6.2% (in Russian roubles), 6.21% (in US dollars), 4.49% (in Euro).

This example is for information purposes only and in no circumstances constitutes a public offering determined by the provisions set forth in Article 437 (2) of the RF Civil Code.

The program is offered by the ERGO Life Insurance Company (OOO), licence FFMS (Federal Financial Markets Service) S No. 3879 77. ergo.ru.

Insured risks

  • Survival of the Insured until the end of the policy term
  • Assignment of disability (Groups I and II)
  • Death (depending on the selected options, causes may include both a fatal accident and disease)

How to join the program

You may become a participant of the program in UniCredit Prime Club branches.

A Key to Success program ensures the financial protection of your child in the event of force majeure, which may prevent the parents from rendering the required assistance in future.

Program details

The program provides an opportunity to arrange a special purpose capital for the child, with the options of the funds being used as follows:

  • Paying for education in top academic Russian and non-Russian universities.
  • Obtaining additional support in terms of a scholarship during the years of study.
  • Covering all expenses (in full or in part) related to the purchase of one’s own residential property.

Example

Parent: 30 years

Child: 5 years

Objective: save up money for higher education by the child’s age of majority

Minimum amount required: 2,400,000 RUB

Savings term: 12 years

Annual deposit: 200,000 RUB

* The calculation above was made based on the probable rate of return, which is subject to fluctuations according to the actual performance indicators of the insurance company. As of 2006, the average real return per annum amounted to 6.2% (in Russian roubles), 6.21% (in US dollars), 4.49% (in Euro).

This example is for information purposes only and in no circumstances constitutes a public offering determined by the provisions set forth in Article 437 (2) of the RF Civil Code.

The program is offered by the ERGO Life Insurance Company (OOO), licence FFMS (Federal Financial Markets Service) S No. 3879 77. ergo.ru.

Insured risks

  • Survival of the Insured until the end of the policy term
  • Assignment of disability (Groups I and II)
  • Death (depending on the selected options, causes may include both a fatal accident and disease)

How to join the program

You may become a participant of the program in UniCredit Prime Club branches.

A Pension Plan program can ensure your material wealth after you’ve taken your well-deserved retirement.

Program details

With the help of the program you may make special purpose savings for you or your relatives who need pension support, as well as:

  • Receive a pension on a regular basis starting from any desired date, irrespective of your retirement age.
  • Preserve an acceptable quality of life after you’ve taken your well-deserved retirement.
  • Protect the financial interests of your relatives in the event of force majeure.

Example

Client: 29 years

Objective: guaranteed to save up enough money to receive a lifetime pension — not less than 200,000 RUB annually, starting with the age of 50

Minimum amount required: 4,200,000 RUB

Savings term: 21 years

Annual deposit: 200,000 RUB


* The calculation above was made based on the probable rate of return, which is subject to fluctuations according to the actual performance indicators of the insurance company. As of 2006, the average real return per annum amounted to 6.2% (in Russian roubles), 6.21% (in US dollars), 4.49% (in Euro).

This example is for information purposes only and in no circumstances constitutes a public offering determined by the provisions set forth in Article 437 (2) of the RF Civil Code.

The program is offered by the ERGO Life Insurance Company (OOO), licence FFMS (Federal Financial Markets Service) S No. 3879 77. ergo.ru.

Insured risks

  • Survival of the Insured until the end of the policy term
  • Assignment of disability (Groups I and II)
  • Death (depending on the selected options, causes may include both a fatal accident and disease)

How to join the program

You may become a participant of the program in UniCredit Prime Club branches.

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