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Unit-linked life insurance

My Future - EasyInvest

Long-term investment of your capital in international funds
Attractive potential returns through active management by experts
Profits are generally 100% exempt from capital gains tax
Your benefits

Advantages of EasyInvest unit-linked life insurance

Diversified investment thanks to global diversification

Investment in the "Allianz Invest Portfolio Blue", which invests in international funds

Active asset management

Benefit from the expertise of internationally renowned investment experts.

Complete flexibility tailored to your needs

Pay additional capital, suspend premiums and withdraw capital in the event of financial difficulties

Low taxation

Your profit is generally exempt from capital gains tax. You only pay an insurance tax of 4%

Bonus child provision

With My Future – EasyInvest Junior, you can provide for your child, godchild or grandchild.

Integrated protection for your family

Choose life insurance and protect your family
Vater mit Sohn

Who is 'My Future – EasyInvest' suitable for?

People who start planning for their financial future early on and wish to build up their assets over a period of at least 15 years
People who are more risk-tolerant and seek higher potential returns by investing in funds comprising shares and bonds
People who have no experience with investment and wish to rely on the expertise of internationally renowned investment specialists
People who want to close the gap in their pension provision and make arrangements for their retirement
Individuals and families who wish to provide financial security for their surviving dependants in the event of their death
Familie am Strand

How My Future – EasyInvest works

1. Accumulation phase: You build up your capital by paying monthly premiums. You can work with us to tailor the premium amount and the duration of the accumulation phase to suit your needs.

During the accumulation phase, you benefit from potential returns through investment in Allianz Invest Portfolio Blue. This is an asset allocation fund of funds that invests primarily in international bond and equity funds. For complete flexibility, you can make additional payments, suspend premiums or withdraw capital.

2. Payout phase: You can withdraw your capital – either as a monthly annuity, a lump sum or a combination of both.

Throughout the payout phase, you benefit from the interest and security of the cover pool of Allianz Elementar Lebensversicherungs-AG.

How much does unit-linked life insurance cost?

Case study 1

Martha Muster (27) is married and works full-time in the HR department of a bank. She earns €40,000 gross per year. Ms Muster has a strong desire to buy a small house with a garden in the future. She therefore wants to invest €250 each month in the best possible way and chooses a unit-linked life insurance policy with a term of 20 years.

Monthly premium for My Future – EasyInvest: €250,-
Policy value: €88,476, assuming an annual return of 5%

Case study 2

Max Muster (29) works 30 hours a week for an NGO. He has a gross annual income of €28,000. He does not want to leave his pension entirely in the hands of the state and decides to take out a unit-linked life insurance policy. This ensures he will receive a fixed monthly pension in his old age. He chooses a term of 34 years.

Monthly premium for Meine Zukunft – EasyInvest: €85.78
Contract value: €79,849, assuming an annual return of 5%
FlexInvest

You want to choose the investment funds yourself?

My future – FlexInvest

Then you should opt for the unit-linked life insurance policy My Future – FlexInvest. This allows you to invest your savings in investment funds of your choice. We offer you a hand-picked selection of investment funds. You can change the fund composition at any time during the savings phase.
Go to my future - FlexInvest
Good to know

Frequently asked questions about my future - EasyInvest

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