WARTA Your Plan for the Future:

Designed to protect yourself and your loved ones and provide you with a guaranteed cash value for the future.

Advantages

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  • SUM ASSURED
    The amount agreed at the time of signing the insurance contract to be paid on maturity of the insurance policy (endowment).
  • PROTECTING YOUR LOVED ONES
    The policy pays the sum assured to the beneficiaries if the insured dies during the policy term; the coverage is valid for the entire term of the insurance contract, 24/h worldwide.
  • LONG-TERM SAVINGS BONUSES
    that increase the value of your policy - insurance bonus - it may be awarded annually based on the profits from investing your assets by the insurer, additional guaranteed bonuses in the form of an endowment benefit until the end of the insurance period:
    - 70% of the aggregate premium paid in the first year for the policies signed for a period of up to 19 of the years
    - 140% of the aggregate premium paid in the first year for the policies signed for a period of 20 to 25 years
  • GUARANTEE OF TAKING OVER PREMIUM PAYMENTS
    by Insurer until the end of the insurance term in case of permanent total disability of the insured. This is an additional option under which WARTA takes over the payment of insurance premiums until the end of the insurance term to ensure a continuity of the contract and guarantee the payment of the sum assured on maturity of the insurance policy.
  • FORMALITIES REDUCED TO THE MINIMUM
    For the insurance policies with the sum assured of up to PLN 350,000, you can sign it at one of our branches with no medical examination required.

5 reasons

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  • HEALTH
    A lot of us believe that the saved money can be useful in covering the cost of possible treatment and rehabilitation. This is a smart approach as the medical care costs in Poland are ever higher and can put a strain on your household budget. According to the report of the Central Statistical Office (2013), an average Pole spends on average at least PLN 600 per year on medicines, medical appointments, and medical treatment.

    Putting money aside regularly is the key to savvy saving. It is enough if you save some part of your salary or a fixed amount every month. Also, setting money savings goals for the children’s future encourages better savings habits.
  • CURRENT NEEDS
    Saving often helps in achieving short-term goals. It is worth saving money for the renovation of your house or apartment, or to accumulate additional cash for its purchase. Many of us save also to make our dreams come true, such as travels or hobbies.

    Putting money aside regularly is the key to savvy saving. It is enough if you save some part of your salary or a fixed amount every month. Also, setting money savings goals for the children’s future encourages
  • BUDGETING FOR UNEXPECTED EXPENSES
    As many as 46 percent of Poles believe it is worth saving for financial emergencies (TNS survey, 2014). Having some emergency savings put aside makes us feel more secure. It also makes us confident that we will be able to cope with any unexpected expenses that could put a strain on our budget.

    Putting money aside regularly is the key to savvy saving. It is enough if you save some part of your salary or a fixed amount every month. Also, setting money savings goals encourages better savings habits.
  • RETIREMENT PENSION
    34 percent of Poles are already saving for their future retirement (TNS survey, 2014). The retirement pension of the today’s 35–40-year-olds may be just 25–30% of their last monthly salary, therefore it is important to start saving in a secure way on a regular basis.

    It is estimated that the best way is to save regularly 10–15 percent of the income; however, even lower amounts can significantly increase the standard of our life in the future. Each PLN 400 or PLN 500 saved a month can be a significant addition to the state retirement pension that we will be receiving in 30–40 years.

    Putting money aside regularly is the key to savvy saving. It is enough if you save some part of your salary or a fixed amount every month to ensure you will enjoy a greater life comfort after retiring.
  • CHILDREN
    25 percent of Poles believe they should save for their children’s future. Experts from the Adam Smith Center estimate that the cost of raising one child in Poland (until they turn 19) is on average PLN 176–190 thousand. Any additional funds will help to cover, above all, education, student housing or purchase of an apartment or the first car.

    Putting money aside regularly is the key to savvy saving. It is enough if you save some part of your salary or a fixed amount every month. Also, setting money savings goals for the children’s future encourages better savings habits.
  • HEALTH
    A lot of us believe that the saved money can be useful in covering the cost of possible treatment and rehabilitation. This is a smart approach as the medical care costs in Poland are ever higher and can put a strain on your household budget. According to the report of the Central Statistical Office (2013), an average Pole spends on average at least PLN 600 per year on medicines, medical appointments, and medical treatment.

    Putting money aside regularly is the key to savvy saving. It is enough if you save some part of your salary or a fixed amount every month. Also, setting money savings goals for the children’s future encourages better savings habits.
  • CURRENT NEEDS
    Saving often helps in achieving short-term goals. It is worth saving money for the renovation of your house or apartment, or to accumulate additional cash for its purchase. Many of us save also to make our dreams come true, such as travels or hobbies.

    Putting money aside regularly is the key to savvy saving. It is enough if you save some part of your salary or a fixed amount every month. Also, setting money savings goals for the children’s future encourages

Important informations

WARTA Your Plan for the Future is individual life insurance endowment plan provided by Towarzystwo Ubezpieczeń na Życie WARTA S.A. (hereinafter: Warta TUnŻ S.A.).

Insurance coverage under the WARTA Plan na Przyszłość insurance is provided by Warta TUnŻ S.A.

Detailed information about the product along with a full list of insurer's liability exclusions can be found in the General Terms and Conditions of WARTA Your Plan for the Future available on www.citihandlowy.pl and in the Bank's Branches.

The WARTA Plan for the Future insurance contract is concluded by the Client with the insurer through the Bank.

The Bank Handlowy w Warszawie S.A. with its registered office in Warsaw at 16 Senatorska Street acts as an insurance agent performing agency activities for the following insurance companies:

  • MetLife Europe Insurance Designated Activity Company,
  • Towarzystwo Ubezpieczeń i Reasekuracji Warta S.A.,
  • Towarzystwo Ubezpieczeń na Życie Warta S.A.,
  • Europ Assistance SA - oddział w Irlandii,
  • Nationale-Nederlanden Towarzystwo Ubezpieczeń na Życie Spółka Akcyjna,
  • Aegon Towarzystwo Ubezpieczeń na Życie Spółka Akcyjna.

The Bank is entered under number 11120807/A in the register of insurance agents kept by the Polish Financial Supervision Authority.

The Client has the possibility to check the Bank's entry in this register via the website: https://rpu.knf.gov.pl/.

In the sales and service processes of savings insurance, the Bank applies the principles set out in the "Recommendation on good practices on the Polish bancassurance market in the field of insurance with a savings or investment element" issued by the Polish Bank Association.

Funds paid as a premium under the WARTA Plan na Przyszłość insurance are not a bank deposit, they are not guaranteed by the State Treasury or any government institutions, with the proviso that receivables arising from the life insurance contract are guaranteed by the Insurance Guarantee Fund in the event of the Insurer's insolvency in the amount of 50% of the receivables of persons entitled under the insurance contract, but up to the amount not greater than the equivalent in PLN – EUR 30 000.00.

WARTA Plan for the Future insurance is not a liability or guaranteed by the Bank or any of its affiliates or subsidiaries. Achieving profits is not guaranteed by both the Bank and the insurer.

This material is for advertising/marketing purposes and does not constitute an offer within the meaning of art. 66 of the Civil Code.

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