Generali LifePlan: Building Capital and Protecting Your Future — CLUB ALL IN
Insurance
Generali LifePlan: Building Capital and Protecting Your Future
6 stages · 5 min
Step 1 · How does Generali LifePlan work?
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Generali LifePlan is a unit-linked life insurance product (fondsorientierte Lebensversicherung) that combines long-term capital accumulation with the option of additional insurance protection.
The main elements of the product are:
• Capital accumulation: premiums are invested in selected investment funds.
• Protection against severe cancer: the option to receive a lump-sum benefit if the policy conditions are met.
• Occupational disability protection: depending on the selected option, this may include a waiver of future premiums and/or an additional monthly benefit.
• Death benefit: a contractual amount payable to the designated beneficiaries.
The client can choose a combination of investment options and additional insurance modules according to their goals and needs.
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Investment fund returns are not guaranteed. The outcome depends on market performance, the selected funds, the investment term and the policy conditions.
Step 2 · What additional protection can you include?
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Vermögensaufbau & SicherheitsPlan offers three additional types of insurance protection:
• Schwere Krebserkrankung — severe cancer: a lump-sum benefit if the policy conditions are met. The supplied product information specifies an insured amount ranging from €10,000 to €90,000.
• Berufsunfähigkeit — occupational disability: depending on the selected option, this may include a waiver of future premiums and/or an additional monthly benefit. The supplied product information specifies a range of €300 to €1,000 per month.
• Ablebensschutz — death benefit protection: a contractual payment to the designated beneficiaries. The supplied material specifies a range of €10,000 to €130,000.
Available amounts and conditions depend on the selected option and the contract.
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When all three protection modules are included, the product information provides for the possibility of a KOMBI-BONUS. The supplied material specifies a bonus of 10% of the benefits provided by the additional modules. The exact conditions and eligibility must be checked in the individual offer and policy.
Build capital over the long term through investment funds, with the option to add protection against severe cancer, occupational disability and death. Discover how Generali LifePlan works and what options it offers.