TopFundusz

TopFundusz is an individual unit-linked insurance.

TopFundusz

• Premium is paid regularly,

• Contract is concluded for an unspecified time,

• Insured can be a person from 3 months up to 55 years old.

Top Bonus

Long-term investing is promoted at TopFundusz – Compensa pays Loyalty Bonus: 3x10%.
In 6th, 11th and 16th year of insurance, Compensa increases every fund premium paid by Client by 10% of average annual fund premium demandable and paid before the 5th, 10th and 15th anniversary of the insurance agreement.

Top Flexibility

TopFundusz is a flexible programme, which you can fit to your needs. You can:

• change the value of the regular premium,

• manage the investment actively: via mojaCompensa.pl website you can order electronically order of units’ conversion or change of premium allocation (12 conversions and 12 changes of the premium allocation free of charge in every year of insurance),

• suspend paying the premiums after third year of insurance (and after paying off all the demandable premium in this time),

• pay additional premiums in every moment of insurance agreement (minimum value of the additional premium: 1 000 pln) – you have immediate access to assets from the additional premiums paid,

• reinstate the insurance agreement within 6 months from cancellation of the agreement

Top Protection

It is the first unit-linked programme at Compensa, which in liability in main agreement is expanded for mortal disease appearance. In case of mortal disease appearance within the insurance period, Compensa pays a benefit of 50% of insurance sum described in insurance policy for basic insurance, not higher than 300 000 pln.

Moreover, the main agrement you can extend of 9 agreements of additional insurance:

• life insurance with an option of increasing insurance sum

• in case of mortal accident in precedence of accident,

• in case of death in precedence of traffic accident,

• in case of permanent disability in precedence of accident,

• in case of permanent health loss in precedence of accident,

• in case of staying in hospital in precedence of accident,

• in case of staying in hospital in precedence of accident or illness,

• in case of complete Insured’s incapacity of work,

• in case of serious illness.

You can also choose one of the Accident packages which consist of various agreements of additional insurance. Every package is available in 3 variants, according to the insurance sums’ value in agreements of the additional insurance.

Top Investment

You can make a premium allocation in different ways. You can choose:

• UFK Expert - actively managed underlying funds: Dynamic, Selective and Capital Protection,

• global C-QUADRAT ARTS funds of active allocation, available only at Compensa,

• other funds with daily valuation, nominated in PLN, EUR or USD.
  From December new funds are available: Investor Akcji Dużych Spółek, UniKorona Akcje, ING Globalny Długu Korporacyjnego, BPH Subfundusz Globalny Żywności i Surowców