Premium calculation · Income
Investment plan (unit linked)
The reference case costs from €151 to €160 depending on the company. From there, 3 tables with 12 bands in all raise or lower the price - the same steps at every company, a different height.
The reference case
Every factor below is 1.00 for this case. Its price is each company's base, plus the rates on the sums it declares.
- Monthly contribution (€)
- 200
- For how many years
- 15 years
- Age today
- 42
The tiers
The price of the basic example by tier, base and percentages on the sums insured, at the company with the cheapest and the company with the dearest estimate.
| Plan | Cheapest | Dearest | Spread |
|---|---|---|---|
| Unit linkedInvests in mutual funds. · the reference tier | €151ERGO Ασφαλιστική | €160Allianz Ευρωπαϊκή Πίστη | +6%8 companies |
| Single premiumYou put in one amount, once. | €139ERGO Ασφαλιστική | €147Allianz Ευρωπαϊκή Πίστη | +5%8 companies |
The factors
The same bands at every insurer, different coefficients
Every figure is one table of the calculation. The two columns in each band are the cheapest and the dearest estimate for the basic example.
From × 0.79 to × 1.14 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table behind the figure
| Band | ERGO Ασφαλιστική | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| up to €50 / month | × 1.13 | × 1.14 |
| €51 – 100 | × 1.00 | × 1.00 |
| €101 – 200 | × 0.93 | × 0.92 |
| €201 – 400 | × 0.87 | × 0.86 |
| over €400 | × 0.82 | × 0.79 |
From × 0.90 to × 1.18 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table behind the figure
| Band | ERGO Ασφαλιστική | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| up to 10 years | × 1.15 | × 1.18 |
| 11 – 20 years | × 1.00 | × 1.00 |
| 21 – 30 years | × 0.94 | × 0.94 |
| over 30 years | × 0.92 | × 0.90 |
From × 1.00 to × 1.03 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table behind the figure
| Band | ERGO Ασφαλιστική | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| up to 34 | × 1.00 | × 1.00 |
| 35 – 49 | × 1.00 | × 1.00 |
| 50 and over | × 1.03 | × 1.03 |
Rates on declared sums
Whatever is priced on a sum you declare, the value, the building, the capital, enters the price before the factors.
| Cover | In tiers | Cheapest | Dearest |
|---|---|---|---|
| Charges on contributions, 4.7% on €2,400 a yearon €2,400 | Invests in mutual funds., You put in one amount, once. | 47.15‰€113 · ERGO Ασφαλιστική | 49.45‰€119 · Allianz Ευρωπαϊκή Πίστη |
Extra covers
A flat price a year, unless the tier already includes it.
| Cover | Inside the tier | Cheapest | Dearest | Spread |
|---|---|---|---|---|
| Linked life coverA death benefit on top of the accumulated fund. It costs extra and the cost rises with age; treat it as life insurance, not as part of the savings. | - | €95ERGO Ασφαλιστική | €103Allianz Ευρωπαϊκή Πίστη | +8%8 companies |
| Contribution waiver on disabilityIf you become disabled, the company keeps paying the contributions. The only add-on that protects the plan itself. | - | €36ERGO Ασφαλιστική | €39Allianz Ευρωπαϊκή Πίστη | +8%8 companies |
| Annual indexationThe contribution rises automatically every year. Useful against inflation; take care, because in many contracts the increase is charged entry fees all over again. | - | €13ERGO Ασφαλιστική | €14Allianz Ευρωπαϊκή Πίστη | +8%8 companies |
Minimum premium: from €11 to €12 depending on the company. No price falls below its own.