Sum Assured

i.e. 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:

  • after the 10th year of the policy term: +75% of the aggregate premium paid in the first year
  • after the 20th year of the policy term: +100% of the aggregate premium paid in the first year
  • after the 30th year: +125% of the aggregate premium paid in the first year.

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 100,000, you can sign it at one of our branches with no medical examination required.

Statistics that are worth reflecting on:

Average pension paid out by Social Insurance Company in 2014 (according to SIC’s records) PLN 2 174,63
Annual tuition fee at the Faculty of Management in Warsaw* PLN 9 600
Annual tuition fee at the Faculty of Administration in Wrocław* PLN 5 700
Monthly living expenses of a state university student* PLN 1 100
2015 average monthly expenses per person per household (according to the Main Statistical Office’s records) PLN 1 091
Average price per 1m2 of a new flat in Warsaw** PLN 5 101
Average price per 1m2 of new flat in Poznań** PLN 6 653
Average price per 1m2 of new flat in Wrocław** PLN 6 147
Number of road traffic deaths in 2015 (according to the police’s records) 2 938

Source:

*Costs of study at universities in Poland and abroad” – analysis by Millward Brown S.A. made in June and July 2013.

**Report released on bankier.pl, average property prices in January 2016 calculated based on sales offers 

Important informations

  • Success WARTA Your Plan for the Future is individual life insurance endowment plan provided by TUnŻ „WARTA” S.A. The coverage under the WARTA Your Plan for the Future insurance is provided by TUnZ WARTA S.A.
  • Success For more details about the product and the full list of exclusions of the Insurer's liability, please see the General Terms and Conditions of WARTA Your Plan for the Future available on www.citihandlowy.pl and www.warta.pl. and at Citi Handlowy branches.
  • Success Bank acts as an insurance agent of Towarzystwo Ubezpieczen na Zycie WARTA S.A. entered into the register of insurance agents maintained by the Polish Financial Supervision Authority. You may check the Bank's entry into this register by submitting a proper form with the Polish Financial Supervision Authority in writing or via phone. Bank acts as an insurance agent of several insurers - for more information, please contact us. The scope of the responsibilities of the Bank includes in particular informing the Insured of the terms and conditions of the insurance policy and the terms and conditions of the insurance contract.
  • Success Money paid in for the WARTA Your Plan for the Future insurance premiums are not a bank deposit, are not guaranteed by the State Treasury nor by any other governmental institutions, except for amounts receivable from the life insurance contract that are guaranteed by the Insurance Guarantee Fund if the insurer becomes insolvent in the amount of 50% of the claims of beneficiaries but not more than up to the Polish zloty equivalent of EUR 30 000.00. The WARTA Your Plan for the Future insurance is not an obligation nor is it guaranteed by the bank or any of its subsidiaries or affiliates. Attaining the profits is not guaranteed by the bank nor by the insurer.
  • Success Bank, during the processes of sale and handling of protective insurance, follows the principles set out in the "Recommended best practices in the Polish bancassurance market for investment-linked or savings-linked insurance products" issued by the Polish Bank Association.
  • Success This material does not constitute an offer according to article 66 of the Civil Code.

Important Documents


5 Reasons,
Why You Should Save with Warta Your Plan for the Future


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

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