CREATE CAPITAL - ARK Insurance

Why you need a plan for to generate or form a capital

Any unforeseen event will usually lead to an immediate need for money.

It generates capital in case of emergency, while at the same time provides protection against the risk of loss of life

How does the plan work

Choose a plan that generates capital and contribute an amount on a regular basis

Depending on your choice, the invested amount varies according to your profile

In case of immediate need for money, a predetermined amount will be paid to you

Plans to create capital

Basic features

Plan

Description

Capital Builder

– Offers insurance protection to the family in the event of loss of life due to an accident

– Suitable for individuals wishing to save on a regular basis in order to respond to future changes

– Ability to add the premium payment waiver benefit

Lifestart

– Offers insurance protection to the family in the event of loss of life due to an accident

– Low initial premium

– Ability to add benefits associated with disability

– Ability to add other supplementary benefits

Investment Plan

– Offers insurance protection to the family against the risk of loss of life

– Ability to add benefits associated with disability

– Ability to add other supplementary benefits

Achiever

– Offers investment of a lump sum, with investment of the entire initial capital, without initial charges.

– It is not possible to neither add additional benefits nor pay more than one lump sum in the same policy.

Linking to investment funds and capital formation

YES

Basic coverage

In the event of loss of life due to an accident, the insured is paid the selected sum insured or the amount invested, whichever is greater. The surrender value is paid at the end of the term

In the event of loss of life, the insured is paid the selected sum insured or the amount invested, whichever is greater

In the event of loss of life, the amount invested will be paid to the insured, or, if at that time a guaranteed amount exists, then the greater of the two will be paid.

Age

1 to 70 years 69%

2 to 70 years 68%

2 to 65 years 63%

18 to 85 years of age 67%

Duration

10 years minimum (expiration at the age of 65 or 75, depending on the age at which the policy became effective)

10 to 65 years

Expiration at the age of 65 or 75, depending on the age at which the policy became effective

1 to 65 years

10 to 45 years (expiration at the age of 75

10 to 65 years

Life

1 to 100 years

Basic coverage

Lump sum

Policy modification options

– Changes are allowed

– Ability to modify the premium/sum insured according to your needs

– Can be converted to a paid-up policy

– Can be reinstated

– Ability to withdraw/surrender investment units

– Supplementary benefits can be added or removed

– 10-year extension available

– Ability to add a single premium

– Ability to automatically increase the premium without charge

– Ability to modify the premium/sum insured according to the client’s current needs

– Supplementary benefits can be added or removed

– 10-year extension available

– Ability to add a single premium

– Can be reinstated

– Ability to withdraw/surrender investment units

– Can be converted to a paid-up policy

– Changes are allowed

– Ability to modify the premium/sum insured according to the client’s current needs

– Ability to add a single premium

– Can be converted to a paid-up policy

– Ability to withdraw/surrender investment units

– Can be reinstated

– Supplementary benefits can be added or removed

– Ability to transfer a risk amount to and from another policy

– 10-year extension available

– Ability to fully or partially withdraw a number of investment units without a charge after two years (1st year: 5%, 2nd year: 2,5%)

Plan

Description

Capital Builder

– Offers insurance protection to the family in the event of loss of life due to an accident

– Suitable for individuals wishing to save on a regular basis in order to respond to future changes

– Ability to add the premium payment waiver benefit

Linking to investment funds and capital formation

YES

Basic coverage

In the event of loss of life due to an accident, the insured is paid the selected sum insured or the amount invested, whichever is greater. The surrender value is paid at the end of the term

Age

1 to 70 years 69%

Duration

10 years minimum (expiration at the age of 65 or 75, depending on the age at which the policy became effective)

10 to 65 years

Basic coverage

Lump sum

Policy modification options

– Changes are allowed

– Ability to modify the premium/sum insured according to your needs

– Can be converted to a paid-up policy

– Can be reinstated

– Ability to withdraw/surrender investment units

– Supplementary benefits can be added or removed

– 10-year extension available

– Ability to add a single premium

Plan

Description

Lifestart

– Offers insurance protection to the family in the event of loss of life due to an accident

– Low initial premium

– Ability to add benefits associated with disability

– Ability to add other supplementary benefits

Linking to investment funds and capital formation

YES

Basic coverage

In the event of loss of life due to an accident, the insured is paid the selected sum insured or the amount invested, whichever is greater. The surrender value is paid at the end of the term

Age

2 to 70 years 68%

Duration

Expiration at the age of 65 or 75, depending on the age at which the policy became effective

1 to 65 years

Basic coverage

Lump sum

Policy modification options

– Ability to automatically increase the premium without charge

– Ability to modify the premium/sum insured according to the client’s current needs

– Supplementary benefits can be added or removed

– 10-year extension available

– Ability to add a single premium

– Can be reinstated

– Ability to withdraw/surrender investment units

– Can be converted to a paid-up policy

Plan

Description

Investment Plan

– Offers insurance protection to the family against the risk of loss of life

– Ability to add benefits associated with disability

– Ability to add other supplementary benefits

Linking to investment funds and capital formation

YES

Basic coverage

In the event of loss of life, the insured is paid the selected sum insured or the amount invested, whichever is greater

Age

2 to 65 years 63%

Duration

10 to 45 years (expiration at the age of 75

10 to 65 years

Basic coverage

Lump sum

Policy modification options

– Changes are allowed

– Ability to modify the premium/sum insured according to the client’s current needs

– Ability to add a single premium

– Can be converted to a paid-up policy

– Ability to withdraw/surrender investment units

– Can be reinstated

– Supplementary benefits can be added or removed

– Ability to transfer a risk amount to and from another policy

– 10-year extension available

Plan

Description

Achiever

– Offers investment of a lump sum, with investment of the entire initial capital, without initial charges.

– It is not possible to neither add additional benefits nor pay more than one lump sum in the same policy.

Linking to investment funds and capital formation

YES

Basic coverage

In the event of loss of life, the amount invested will be paid to the insured, or, if at that time a guaranteed amount exists, then the greater of the two will be paid.

Age

18 to 85 years of age 67%

Duration

Life

1 to 100 years

Basic coverage

Lump sum

Policy modification options

– Ability to fully or partially withdraw a number of investment units without a charge after two years (1st year: 5%, 2nd year: 2,5%)