Premium calculation · Income
Investment plan (unit linked)
In our own estimate, the basic example costs from €141 to €147, depending on the company. From there, 3 tables with 12 bands in all raise or lower the price: the same steps at every company, at another height.
The prices are our own estimates, and they can be wrong. They are not offers or an official ranking, and we sell no insurance. The algorithm is public. Why
The prices of each company are our own estimate. They come from our own research of the market and our judgement as people of the industry. They are not a price that the company publishes. We can be wrong, and the order of the ranking is more reliable than the exact price. Only the company gives the real cost, with full details. None of the 8 companies gave us a price.
The reference case
The price of the example is the one the comparison shows for these answers: the base of each company, the rates on the sums insured, the factors and the extra covers of the example.
- Monthly contribution (€)
- 200
- For how many years
- 15 years
- Age today
- 42
- The reference tier
- Unit linked
- €141 - €147
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 | €141ERGO Ασφαλιστική | €147Allianz Ευρωπαϊκή Πίστη | +4%8 companies |
| Single premiumYou put in one amount, once. | €129ERGO Ασφαλιστική | €135Allianz Ευρωπαϊκή Πίστη | +5%8 companies |
The factors
Every insurer has the same bands, but its own 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 with the figures
| 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 with the figures
| 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 with the figures
| 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 the sums insured
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: 4.7% of the €2,400 you pay in each 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 |
| No contributions if you become disabledIf 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 |
| Yearly rise of the contributionThe 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.