What are the benefits to you?

• guaranteed yield
• potential extra yield by participating in Company’s probable annual extra return on investment
• flexibility to reinforce your savings whenever you wish with extra payments
• several choices at maturity to receive the accumulated capital either as a lump sum or as a monthly pension”
• possibility of early liquidation (partial or total)
• insurance protection in case of Total Permanent Disability or loss of life in case of an accident, either you or your family receive a lump sum equal to the initial premium
• cash collateral in order to pledge your house mortgage or consumer loan

* Life time Pension is paid for policy’s cash value higher than 50.000€ and ages above 55 years old.

Former investment  programs

Smile Premium, Smile Pension Gold

For the owners of a policy in force in the particular programs the terms and conditions remain as they are till the maturity of each policy.