best value rent

Unit-linked pension insurance

best value rent is a unit-linked net pension plan, making it the ideal solution for your pension plan. It offers you flexible provision with the opportunity to participate in developments in the financial markets while giving you the possibility to get coverage for the main risks of life such as death or occupational disability insurance. Best value rent is a net plan, i.e. no acquisition costs are charged as part of the insurance policy. This means that our customers always know exactly what they are paying down to the last cent while benefiting from a high investment ratio.

Details

  • Deferred pension insurance with lump-sum option
  • Monthly premium starting at EUR 50
  • Single premium starting at EUR 2,000
  • Additional contributions at any time starting at EUR 250
  • Fund dynamics can be freely selected from 3% to 10%
  • Unrestricted fund selection (select up to 10 funds per contract)
  • 2 different premium guarantee models
  • Funds can be changed at any time – 12 shifts & 12 switches per year, free of charge
  • Minimum tax death benefit included
  • Option to choose premium payment exemption in the event of occupational disability
  • Intelligent process management
  • Pension plus option: increased pension with reduced life expectancy

Advantages

  • Direct participation in the performance of selected funds
  • Wide range of funds
  • Flexible structure of premium payments
  • Choice of two optional premium guarantee models
  • Supplemental insurance for premium payment exemption in the event of occupational disability
  • Option of supplemental insurance child provision

PRIIPs Regulation - A new European standard for the transmission of product information for small investors

Major technological changes, the increasing complexity of financial markets and a cross-border supply of financial products have been driving the need to better inform customers about packaged retail investment products in the European Union (EU). In the future, it will be easier to compare and understand such products across the EU, making them more transparent. In order to enhance investor protection standards, the European supervisory authorities have made it their goal to increase the information requirements. The Regulation is intended to inform the consumer about possible advantages and disadvantages of an investment product in a pre-contractual disclosure. As a result of these considerations, the PRIIPs Regulation (EU) No. 1286/2014 was created. What are PRIIIPs? PRIIP stands for Packaged Retail and Insurance-based Investment Products and refers to packaged investment products for small investors or insurance investment products. Such products offer retail investors investment opportunities all the while being subject to investment risk. Insurance investment products covered by this Regulation are therefore insurance products of an investment nature, such as unit-linked life insurance or endowment policies. These are products for which the insurance payout is directly or indirectly subject to market fluctuations. This does not include products for which there is national recognition that their purpose is primarily to provide for old age or for which biometric risks alone are insured. What are Key Information Documents (KIDs)? An important part of the PRIIPs Regulation is that a KID must be provided to an investor when purchasing a product covered by PRIIPs. Key Information Documents are non-individualised information sheets for the client that provide initial information on the investment products offered. The Key Information Documents describe risks, return opportunities, information on the maximum loss of invested capital, performance rates and costs of the different investment products.


Key Information Document (KID) on insurance-based investment product “best value rent” according to Regulation (EU) No. 1286/2014 for PRIIPs

As a manufacturer of insurance investment products, Liechtenstein Life Assurance AG is obligated to make the Key Information Documents on which the products are based available online. The information contained in the following publications does not constitute an invitation, an offer or a recommendation to purchase or sell the insurance-based investment products. Below you will find the generally applicable Key Information Documents (KID) of Liechtenstein Life Assurance AG on the insurance-based investment product indicated.


Risk category 1: Very safety oriented

Risk category 1 is characterised by a very low risk. However, there are only low return opportunities. Capital preservation is more important than profitability.


Risk category 2: Safety oriented


Risk category 3: Conservative


Risk category 4: Solid earnings orientation

Risk category 4 appeals to profit-driven investors in particular, whose goal is asset accumulation. As such, the investor accepts exchange rate or currency fluctuations.


Risk category 5: Earnings orientation


Risk category 6: Speculative


Liechtenstein Life Assurance AG
Industriering 37
9491 Ruggell
Liechtenstein

E-Mail: info@lla-group.com
Phone: +423 265 34 40
Logo