Disclaimer Calculator

The level of effective performance depends on the actual performance of the selected fund or investment strategy and cannot be predicted. The maturity benefits calculated for the three performances do not represent upper or lower limits for the actual payout amount. Rather, they are to be understood exclusively as an example and are not guaranteed. The statements based on the projected values are therefore non-binding and serve solely as a possible example.

This is the amount that would result if the same amount were set aside each month without interest. This value is higher than the possible return to begin with. This is due to the costs and fees incurred, which may be offset later once the capital achieves a positive return – which illustrates the long-term nature of the product.

Model calculation

The level of effective performance depends on the actual performance of the fund or investment strategy and cannot be predicted. The maturity benefits calculated for the development of the three performances do not represent upper or lower limits for the actual payout amount. Rather, they are to be understood exclusively as an example and are therefore not guaranteed.

Tax assumptions

The information and calculations contained in the model calculator do not constitute tax advice or any assurances under tax law. They are exclusively general, illustrative representations without any individualised tax character. The tax treatment depends on the customer's personal circumstances. For an individual assessment, please consult your tax advisor. No liability is accepted for tax consequences arising from the use of this information.

Risk notice

Please note that due to fluctuations in the capital markets, the payout amount from the insurance contract may be lower than the total of the premiums paid in, and a loss of recoverability is theoretically possible. The investment and issuer risk is borne exclusively by the policyholder.

Non-binding statements

Past performance is not an indication of the future performance of a fund or investment strategy. The actual result depends on market developments (e.g. price, interest rate and currency fluctuations) and may therefore be higher or lower. The values stated cannot be guaranteed. Where agreed, we can guarantee the death benefit or survival benefit as per the validity date.