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Insurance products

Insurance contract for III pillar lifelong disbursements

  • Compensa Life Vienna Insurance Group SE — Pension Insurance with guaranteed interest
  • Compensa Life Vienna Insurance Group SE — Unit-linked Pension Insurance
  • SEB Elu- ja Pensionikindlustus AS — SEB Lifelong Pension

Pension insurance with guaranteed interest rate

This is a pension insurance which guarantees you yield. A person makes a contract with an insurance company, and from then on makes contributions according to his or her possibilities. The insurance company invests the money and at the end of the collecting period the accumulated amount is paid to the client in accordance with the terms of his or her contract.

Pension insurance is offered by:

  • Compensa Life Vienna Insurance Group SE — Pension Insurance with guaranteed interest

Pension insurance with investment risk

The pension insurance with investment risk suits you if you wish to choose yourself the risk rate of your investment. In addition you can also take the life insurance. Pension insurance with investment risk allows you to make either regular fixed contributions or a single contribution(s) into different investment funds. There’s no guarantee for yield; it depends on the success of the chosen investment funds and the state of the securities markets.

All life insurance companies offer at least three different strategies, i.e. combinations of investment funds. The major difference between the strategies is the share of investments into equities: the possible options are balanced growth, growth or aggressive growth. The larger is the share of equities, the higher will be the yield in long perspective.

Pension insurance with investment risk is offered by:

  • Compensa Life Vienna Insurance Group SE — Unit-linked Pension Insurance
  • Mandatum Life Insurance Company Limited Eesti filiaal — The supplementary pension insurance
  • SEB Elu- ja Pensionikindlustus AS — Growth Portfolio for Pension
  • Swedbank Life Insurance SE — Pension Insurance +
  • Swedbank Life Insurance SE — Private pension portfolio