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Unit-linked Life Insurance "Safe Child"

Unit-linked Life Insurance "Safe Child"

We would like to inform that from 16 June 2017, any new unit-linked Life Insurance "Safe Child" agreements will not be signed

All agreements signed until 16 June 2017 (inclusive), will remain effective until the validity date specified in the insurance agreement under any and all the terms established and specified in the agreement. If you have any questions, please call us at 1528 (for private customers) and 19222 (for corporate customers) or visit the nearest unit of AB SEB bankas.

The unit-linked life insurance "Safe Child" is a long-term savings option, which enables you to build up savings for your child's future by taking out the life insurance for one or both parents and by selecting the additional insurance cover for the child. The insurance premiums are invested according to the selected investment plan.

If you choose to build up savings under this unit-linked life insurance agreement, you assume the investment risks, therefore you need to assess the risks carefully before taking any decision.

How is a “Safe Child” agreement concluded and how is money invested and saved?

1. You will sign a unit-linked insurance agreement and select the terms of insurance.

At any unit of AB SEB bankas during an individual consultation, we will analyse your child’s future needs together and assist you in selecting the most appropriate savings decision for your child:

  • life insurance cover for one of the parents (compulsory requirement)
  • additional insurance cover for your child, i.e. your child's insurance against any accident, injury, death by accident or critical illness
  • insurance period
  • amount and intervals of premiums
  • investment plans for investment of your premiums

Before signing the agreement, you will be required to familiarise with the unit-linked-life and the additional insurance rules, which provide a detailed description of this service and risks:

Unit-linked Insurance Rules No 012 (effective as of 5 May 2014) (PDF, 114 KB, in Lithuanian)

Additional Child Insurance Rules No P05 (PDF, 65 KB, in Lithuanian)

Additional Accident and Injury Insurance Rules (PDF, 1,5 MB, in Lithuanian)

Additional Children Critical Illness Insurance Rules (PDF, 55 KB, in Lithuanian)

2. We will help you choose the investment plan.

Periodic insurance premiums will be invested according to the investment plans being offered by UAB “SEB gyvybės draudimas” and selected by you. When selecting the investment plan, you will need to take into consideration the risk acceptable to you, expected yield and investment horizon:

  • low-risk funds offer small fluctuations in the value and small but rather stable yields
  • high-risk funds offer large fluctuations in the value but may ensure higher yields
  • the higher the risks, the longer should be the investment horizon

If necessary, you may change the selected investment on SEB’s Internet Bank within the entire effective period of the agreement.

For more information on the investment plans, risk and return on investment click here, and also in our booklet:

Investment funds and objects (PDF, 424 KB, in Lithuanian)

3. You will pay the relevant insurance premiums at chosen intervals. The premiums will be invested aiming to generate profit.

The amount of the periodic premium depends on:

  • sum insured and insurance period
  • age and health of the insured person
  • desired savings at the end of the period

You will be able to change the insurance premium during the effective period of the agreement. For example, if in the beginning you may pay EUR 20 per month and if your financial situation improves – you may pay more.

Your savings, after deduction of the premium fee, will be invested according to the selected investment plan. The agreement administration fee and risk fee will be deducted from your savings under the insurance agreement.

You will be able to pay the additional investment premiums/contributions and save additional amounts, which may be withdrawn before the end of the insurance period. The surrender value/amounts paid will be tax-free, if the period of the unit-linked life insurance agreement is:

  • longer than 5 years and the beneficiary has reached the minimum retirement age at the end of the period
  • longer than 10 years and the beneficiary is under 26 years at the end of the period

We recommend paying the periodic premiums by direct debit or online seeking to save both time and money.

4. You will be eligible for a personal income tax (PIT) relief every year.

If you obtain the unit-linked life insurance, you will become eligible for a personal income tax relief. After the end of the calendar year, you will be eligible for a refund up to 15% of the total amount of life insurance premiums paid by you upon submission of the annual personal income tax declaration to the State Tax Inspectorate.

Personal income tax relief will be applied to the amount of premiums not exceeding 25 per cent of taxable annual income. The tax relief will be applied, if at maturity of the insurance period the beneficiary of funds is:

  • premium payer
  • his/her spouse
  • child under 18 years of age

No taxes are charged on the savings payable after expiry or termination of the insurance agreement if the unit-linked life insurance period is:

  • longer than 5 years and the beneficiary has reached the minimum retirement age at the end of the period
  • longer than 10 years and the beneficiary is under 26 years at the end of the period

In other cases, an income tax of 15% is charged on the savings payable after expiry or termination of the insurance agreement.

You can use the tax relief calculator to determine the amount which may be refunded.

Information is submitted and conclusions are made in accordance with the acts of law of the Republic of Lithuania regulating taxation of the insurance agreements and based on the related explanations and comments issued by the government institutions. Attention should be paid to the fact that the regulatory framework and related comments may be amended and such changes may determine taxation under already signed insurance agreements.

5. Applicable fees

After the premium fee is deducted from your insurance premium, the remaining amount will be invested according to one or several investment plans  selected by you. Other fees specified in the Price List are deducted from your savings.

Premium fee 2% of premium
Service fee EUR 1.16 and 0.05% of savings per month
Initial fee 0.34% of the value of initial investment units
Risk fees Depending on the selected insurance cover, sums insured, age and health condition of the insured
Detailed information on applicable fees Price List 012(PDF, 106 KB, in Lithuanian)

More detailed information about the insurance services, risk factors, applicable terms and Price List is available at 1528 on a 24-hour-a-day basis or at any unit of AB SEB bankas.


Information in this document about the unit-linked life insurance service offered by UAB SEB gyvybės draudimas is submitted for marketing purposes only. It may not be interpreted as a personal recommendation and an instruction to invest and may not be deemed to be the basis or a part of any deal to be executed later. Irrespective of the fact that the content of this document is based on the sources that are deemed to be reliable, AB SEB bankas and  UAB SEB gyvybės draudimas will not assume responsibility for any inaccuracies or losses, which may result from the actions taken on the basis of such information. The specific taxation depends on the individual circumstances related with you and may be subject to changes in future.

The investment return is related to risks, its value may increase or decrease and previous positive return does not guarantee the same result in future. In certain cases, the losses may exceed your initial investment. In case of investment in the financial instruments denominated in a foreign currency, fluctuations in the exchange rates may have impact on your investment return.

You will be responsible for the investment decisions made by you, therefore before making thereof you should familiarise with detailed information and strategy of a specific investment plan and assess yourself or with the assistance of consultants, whether inflation or exchange rate fluctuations or any other market even, which does not depend on the intentions and actions of AB SEB Bankas or UAB „SEB gyvybės draudimas“ may result in decrease of your investment value.

Before making any investment decision, we recommend you to familiarise with descriptions of the investment plan and prospectuses of the funds you invest in under such plan, to obtain more detailed information about characteristics of such financial instruments, benefit and risk factors. You may receive such information by calling at 1528 or by visiting any unit of AB SEB bankas.

Clients, who do not meet the criteria for entering into the insurance agreements specified in the standard insurance rules, may sign the insurance agreement on the individual terms.

Please note that the services described here are not intended for investors within the jurisdiction other than that of SEB bank units providing these services and investment opportunities, authorisation to invest and investing in locations of certain jurisdictions, including the United States of America, Canada, Japan and Australia, may be unlawful. SEB bank may not advise on investment issues, promote investments, solicit or offer investments where any such may be unlawful. If you live or read information on this website at a location within the jurisdiction other than the one of the SEB bank unit which provides this information, you are responsible for compliance with the laws and other legal acts which may be applicable to you. If you need more information, please contact your SEB bank account manager or any SEB bank unit.

  • You will ensure financial protection for your child if disaster strikes
  • One or both parents are recommended to primarily obtain the life insurance for the amount to be saved for their child during the insurance period. During such period, if disaster strikes (one of the parents dies), the amount of life insurance would be paid out to the child. This money could be used for child’s future plans.
  • You can also additionally choose an orphan's pension under the agreement. In case of the insured’s death, this pension would be paid to the child monthly during the period of validity of the insurance agreement. Monthly benefits may be used for daily needs of the child, while the amount of life insurance may be kept for the achievement of objectives.
  • You may obtain the additional insurance against injury, accident and critical illnesses for your child. If you select such insurance, it will ensure financial assistance to cover the medical expenses if your child is involved in an accident.
  • You will build up savings for fulfilment your child's dreams
  • During the effective period of the insurance agreement, you will pay periodic (at least EUR 20 per month) and (or) the additional premiums for your child's future: education, beginning of independent life, mortgage loan down payment, etc.
  • You can save quite a lot in the long-term by regularly putting aside small amounts. The sooner you start, the lower will be your premiums for building up the desired amount. It is easier to manage savings over a longer period of time: you can put aside more money or invest the additional premiums and, if any financial problems occur – to reduce the amount of investment contributions or suspend saving for a while.
  • You will be sure that in any case, your child will be supported financially after the insurance agreement expires or disaster strikes.
  • Other benefits
  • Depending on your needs and possibilities, you may select the terms of the insurance agreement such as the insurance cover, sum insured and period, premium amount and frequency thereof, as well as the investment plans for your investments.
  • If investments are successful, you will be paid out both your savings and return on investment.
  • You will be eligible for a personal income tax relief and a refund of up to 15% of the total insurance premiums paid during the year.
  • You may pay the insurance premiums using a direct debit service: they will be debited from your account every month on the selected day of the month free of charge.

Information in this document about the unit-linked life insurance service offered by UAB SEB gyvybės draudimas is submitted for marketing purposes only. It may not be interpreted as a personal recommendation and an instruction to invest and may not be deemed to be the basis or a part of any deal to be executed later. Irrespective of the fact that the content of this document is based on the sources that are deemed to be reliable, AB SEB bankas and  UAB SEB gyvybės draudimas will not assume responsibility for any inaccuracies or losses, which may result from the actions taken on the basis of such information. The specific taxation depends on the individual circumstances related with you and may be subject to changes in future.

The investment return is related to risks, its value may increase or decrease and previous positive return does not guarantee the same result in future. In certain cases, the losses may exceed your initial investment. In case of investment in the financial instruments denominated in a foreign currency, fluctuations in the exchange rates may have impact on your investment return.

You will be responsible for the investment decisions made by you, therefore before making thereof you should familiarise with detailed information and strategy of a specific investment plan and assess yourself or with the assistance of consultants, whether inflation or exchange rate fluctuations or any other market even, which does not depend on the intentions and actions of AB SEB Bankas or UAB „SEB gyvybės draudimas“ may result in decrease of your investment value.

Before making any investment decision, we recommend you to familiarise with descriptions of the investment plan and prospectuses of the funds you invest in under such plan, to obtain more detailed information about characteristics of such financial instruments, benefit and risk factors. You may receive such information by calling at 1528 or by visiting any unit of AB SEB bankas.

Clients, who do not meet the criteria for entering into the insurance agreements specified in the standard insurance rules, may sign the insurance agreement on the individual terms.

Please note that the services described here are not intended for investors within the jurisdiction other than that of SEB bank units providing these services and investment opportunities, authorisation to invest and investing in locations of certain jurisdictions, including the United States of America, Canada, Japan and Australia, may be unlawful. SEB bank may not advise on investment issues, promote investments, solicit or offer investments where any such may be unlawful. If you live or read information on this website at a location within the jurisdiction other than the one of the SEB bank unit which provides this information, you are responsible for compliance with the laws and other legal acts which may be applicable to you. If you need more information, please contact your SEB bank account manager or any SEB bank unit.

Low-risk funds offer small fluctuations in the value of investments and small but rather stable yields.

High-risk funds offer large fluctuations in the value but may ensure higher yields.

The higher the risks, the longer should be the investment horizon.

Investment trend Risk category Risk Recommended investment horizon Area of investment
Emerging Markets Equity 7 High 5 and more years Up to 100% of assets is invested in stocks and stock-related securities issued by companies of emerging markets or companies generating most of their income in emerging markets.
Dynamic Investment 6 High 5 and more years Investments are made in shares and equity-related financial instruments, in financial derivatives, alternative strategy funds, real estate funds, bonds.
CIS countries Equity 6 High 5 and more years 80–100% of assets is invested in stocks of companies and the rest in debt securities, bank deposits and money market instruments,
Nordic Equity 6 High 5 and more years Assets are invested in stocks of Nordic companies (in Sweden, Denmark, Finland and Norway).
Strategy Growth 6 High 5 and more years Investments in bonds, hedge funds, stocks, currencies, commodities, equity capital.
Absolute Return 6 High 5 and more years Depending on the market situation, assets are invested in stocks, bonds,
commodities, currency and money markets.
Long-term Investment 5 High 5 and more years Investments in stocks of companies of various countries and various industries, firms investing on stock markets.
Asia Small Cap 5 Medium 5 and more years Up to 100% of assets is invested in stocks and stock-related securities issued by Asian companies or traded on Asian markets.
Strategy Opportunity 5 Medium 5 and more years Investments in bonds, hedge funds, stocks, currencies, commodities, equity capital.
Balanced Investment 4 Medium 5 and more years Up to 60% of assets invested in bonds and the remaining 40% in stocks of companies of various countries and various industries.
T-bill Investment (USD) 4 Medium 3 and more years Assets are invested only in debt securities denominated in USD.
Multi Asset Balance investment 4 Medium 3 and more years Investments in bonds, currencies, stocks and commodities.
Strategy Balanced 4 Medium 3 and more years Investments in bonds, hedge funds, stocks, currencies, commodities.
Conservative Investment 3 Low 3 and more years Investments in bonds of governments, local authorities and companies as well as firms investing on bond markets.
Corporate Bond (EUR) 3 Low 3 and more years Assets are invested in debentures of European companies denominated in euro.
Multi Asset Defensive Plus investment 3 Low 3 and more years Investments in bonds, currencies, stocks and commodities.
Strategy Defensive 3 Low 3 and more years Investments in bonds, hedge funds, stocks, currencies, commodities, equity capital.
Short Bond (EUR) 1 Low 1 and more years Investments in bonds, money market instruments denominated in euro.

 

You may register for a free of charge consultation and we will provide advice on the investment risk acceptable to you and will assist you in selecting a suitable investment plan. You will have an opportunity to change the selected investment plan on SEB’s Internet Bank free of charge within the entire effective period of the agreement, if necessary.


Information in this document about the unit-linked life insurance service offered by UAB SEB gyvybės draudimas is submitted for marketing purposes only. It may not be interpreted as a personal recommendation and an instruction to invest and may not be deemed to be the basis or a part of any deal to be executed later. Irrespective of the fact that the content of this document is based on the sources that are deemed to be reliable, AB SEB bankas and  UAB SEB gyvybės draudimas will not assume responsibility for any inaccuracies or losses, which may result from the actions taken on the basis of such information. The specific taxation depends on the individual circumstances related with you and may be subject to changes in future.

The investment return is related to risks, its value may increase or decrease and previous positive return does not guarantee the same result in future. In certain cases, the losses may exceed your initial investment. In case of investment in the financial instruments denominated in a foreign currency, fluctuations in the exchange rates may have impact on your investment return.

You will be responsible for the investment decisions made by you, therefore before making thereof you should familiarise with detailed information and strategy of a specific investment plan and assess yourself or with the assistance of consultants, whether inflation or exchange rate fluctuations or any other market even, which does not depend on the intentions and actions of AB SEB Bankas or UAB „SEB gyvybės draudimas“ may result in decrease of your investment value.

Before making any investment decision, we recommend you to familiarise with descriptions of the investment plan and prospectuses of the funds you invest in under such plan, to obtain more detailed information about characteristics of such financial instruments, benefit and risk factors. You may receive such information by calling at 1528 or by visiting any unit of AB SEB bankas.

Clients, who do not meet the criteria for entering into the insurance agreements specified in the standard insurance rules, may sign the insurance agreement on the individual terms.

Please note that the services described here are not intended for investors within the jurisdiction other than that of SEB bank units providing these services and investment opportunities, authorisation to invest and investing in locations of certain jurisdictions, including the United States of America, Canada, Japan and Australia, may be unlawful. SEB bank may not advise on investment issues, promote investments, solicit or offer investments where any such may be unlawful. If you live or read information on this website at a location within the jurisdiction other than the one of the SEB bank unit which provides this information, you are responsible for compliance with the laws and other legal acts which may be applicable to you. If you need more information, please contact your SEB bank account manager or any SEB bank unit.

If you plan to secure your child’s financial future in case of any unexpected event and to accumulate EUR 10,000 for bachelor’s studies, we recommend under the unit-linked life insurance agreement "Safe Child" to select:

  • life insurance for family supporter – EUR 10, 00
  • orphan’s pension benefits – EUR 60 per month

and child’s financial cover:

  • child’s critical illness insurance – EUR 10, 000
  • accident insurance – EUR 5,000
  • injury insurance – EUR 5,000
How much money you need to set aside per month if the above insurance cover is obtained and you are willing to save a specified amount?
Age of your child today 1 year 3 year 5 year 8 year
Saving period until the child is 18 17 years 15 years 13 years 10 years
Premium amount* EUR 48 EUR 54 EUR 62 EUR 81

* Calculated on the assumption that net annual return on investment is 5%, Price List 012 (PDF, 90 KB) is applied to the insurance agreement. Father of the insured’s is 33 years of age.


Information in this document about the unit-linked life insurance service offered by UAB SEB gyvybės draudimas is submitted for marketing purposes only. It may not be interpreted as a personal recommendation and an instruction to invest and may not be deemed to be the basis or a part of any deal to be executed later. Irrespective of the fact that the content of this document is based on the sources that are deemed to be reliable, AB SEB bankas and  UAB SEB gyvybės draudimas will not assume responsibility for any inaccuracies or losses, which may result from the actions taken on the basis of such information. The specific taxation depends on the individual circumstances related with you and may be subject to changes in future.

The investment return is related to risks, its value may increase or decrease and previous positive return does not guarantee the same result in future. In certain cases, the losses may exceed your initial investment. In case of investment in the financial instruments denominated in a foreign currency, fluctuations in the exchange rates may have impact on your investment return.

You will be responsible for the investment decisions made by you, therefore before making thereof you should familiarise with detailed information and strategy of a specific investment plan and assess yourself or with the assistance of consultants, whether inflation or exchange rate fluctuations or any other market even, which does not depend on the intentions and actions of AB SEB Bankas or UAB „SEB gyvybės draudimas“ may result in decrease of your investment value.

Before making any investment decision, we recommend you to familiarise with descriptions of the investment plan and prospectuses of the funds you invest in under such plan, to obtain more detailed information about characteristics of such financial instruments, benefit and risk factors. You may receive such information by calling at 1528 or by visiting any unit of AB SEB bankas.

Clients, who do not meet the criteria for entering into the insurance agreements specified in the standard insurance rules, may sign the insurance agreement on the individual terms.

Please note that the services described here are not intended for investors within the jurisdiction other than that of SEB bank units providing these services and investment opportunities, authorisation to invest and investing in locations of certain jurisdictions, including the United States of America, Canada, Japan and Australia, may be unlawful. SEB bank may not advise on investment issues, promote investments, solicit or offer investments where any such may be unlawful. If you live or read information on this website at a location within the jurisdiction other than the one of the SEB bank unit which provides this information, you are responsible for compliance with the laws and other legal acts which may be applicable to you. If you need more information, please contact your SEB bank account manager or any SEB bank unit.

The amount of your savings under the insurance agreement and additional contributions depends on:

  • duration of the contract
  • premiums paid and invested
  • sums insured under the selected insurance cover
  • success of investments

You can use the unit-linked life insurance calculator to determine an approximate amount.

Insurance benefits will be transferred to the bank account of the beneficiary (the insured, heirs or other beneficiaries specified in the agreement).

When is the insurance benefit paid out?

After expiry of the insurance period

At the end of the period, the beneficiary is paid out savings built up under the unit-linked life insurance agreement. After expiry of your insurance agreement, you will be requested to provide the following at any unit of AB SEB bankas:

  • identity document (passport of the citizen of the Republic of Lithuania or personal identity card)
  • application for transfer of the insurance benefit to the specified bank account (to be completed at AB SEB bankas’ unit)

Material information to the insured/policyholders on taxation applicable to life insurance agreements concluded before 1 January 2003 (PDF, 116 KB, in Lithuanian)

Application for insurance benefit (upon expiry of an insurance agreement concluded before 1 January 2003) (PDF, 220 KB, in Lithuanian)

Material information to the insured/policyholders on taxation applicable to life insurance agreements concluded after 1 January 2003 (PDF, 156 KB, in Lithuanian)

Application for insurance benefit (upon expiry of an insurance agreement concluded after 1 January 2003) (PDF, 220 KB, in Lithuanian)

In the event of death of the insured

If the insured (one of the parents) passes away, the child or other persons (beneficiaries) specified in the agreement are paid out the higher of the following benefits:

  • amount of the life insurance specified in the agreement and savings built up by paying the additional premiums/contributions
  • savings built up under the unit-linked life insurance agreement

For information on steps to be taken in case of an insured person's death, please click here.

Occurrence of an insured event if additional cover is selected

If an insured event specified in the additional insurance rules occurs, the amount specified in the injury, accident or critical illness tables is paid out. This insurance benefit is tax-free.

For information on steps to be taken in case of an insured event, please click here.

Death of the insured due to a non-insured event

In cases of a non-insured event, savings and investment income are paid out. Non-insured events:

  • suicide of the insured within the first three years of insurance
  • death of the insured related to a war, emergency, mass unrest, nuclear exposure, etc.
  • death of the insured related to his or her criminal acts
  • death of the insured during suspension period of insurance
  • death of the insured younger than one year

Occurrence of a non-insured event

In this case, no insurance benefit is paid out under the additional insurance rules.

Premature agreement termination

In this case, the relevant surrender value and savings built up by paying the additional premiums/contributions are paid out to the policyholder. The surrender value is calculated by deducting the agreement administration costs from the amount of savings. Surrender values are specified in the annex to the insurance policy.

If you are willing to terminate your insurance agreement, you will be required to provide:

  • identity document (passport of the citizen of Lithuania, personal identity card or permit of residence in Lithuania)
  • application for the transfer of insurance benefit to the specified bank account (completed at a AB SEB bankas’ unit)

Material information to the insured/policyholders on taxation applicable to life insurance agreements concluded before 1 January 2003 (PDF, 116 KB, in Lithuanian)

Application for insurance benefit (upon expiry of an insurance agreement concluded before 1 January 2003) (PDF, 220 KB, in Lithuanian)

Material information to the insured/policyholders on taxation applicable to life insurance agreements concluded after 1 January 2003 (PDF, 156 KB, in Lithuanian)

Application for insurance benefit (upon expiry of an insurance agreement concluded after 1 January 2003) (PDF, 220 KB, in Lithuanian)

More detailed information about the insurance services, risk factors, applicable terms and Price List is available at 1528 on a 24-hour-a-day basis or at any unit of AB SEB bankas.


Information in this document about the unit-linked life insurance service offered by UAB SEB gyvybės draudimas is submitted for marketing purposes only. It may not be interpreted as a personal recommendation and an instruction to invest and may not be deemed to be the basis or a part of any deal to be executed later. Irrespective of the fact that the content of this document is based on the sources that are deemed to be reliable, AB SEB bankas and  UAB SEB gyvybės draudimas will not assume responsibility for any inaccuracies or losses, which may result from the actions taken on the basis of such information. The specific taxation depends on the individual circumstances related with you and may be subject to changes in future.

The investment return is related to risks, its value may increase or decrease and previous positive return does not guarantee the same result in future. In certain cases, the losses may exceed your initial investment. In case of investment in the financial instruments denominated in a foreign currency, fluctuations in the exchange rates may have impact on your investment return.

You will be responsible for the investment decisions made by you, therefore before making thereof you should familiarise with detailed information and strategy of a specific investment plan and assess yourself or with the assistance of consultants, whether inflation or exchange rate fluctuations or any other market even, which does not depend on the intentions and actions of AB SEB Bankas or UAB „SEB gyvybės draudimas“ may result in decrease of your investment value.

Before making any investment decision, we recommend you to familiarise with descriptions of the investment plan and prospectuses of the funds you invest in under such plan, to obtain more detailed information about characteristics of such financial instruments, benefit and risk factors. You may receive such information by calling at 1528 or by visiting any unit of AB SEB bankas.

Clients, who do not meet the criteria for entering into the insurance agreements specified in the standard insurance rules, may sign the insurance agreement on the individual terms.

Please note that the services described here are not intended for investors within the jurisdiction other than that of SEB bank units providing these services and investment opportunities, authorisation to invest and investing in locations of certain jurisdictions, including the United States of America, Canada, Japan and Australia, may be unlawful. SEB bank may not advise on investment issues, promote investments, solicit or offer investments where any such may be unlawful. If you live or read information on this website at a location within the jurisdiction other than the one of the SEB bank unit which provides this information, you are responsible for compliance with the laws and other legal acts which may be applicable to you. If you need more information, please contact your SEB bank account manager or any SEB bank unit.

If you need advice

Register for an individual consultation

If you are willing to enter into an insurance agreement

Visit any unit of AB SEB bankas

If you are willing to revise the terms of the insurance agreement?

Log in to Internet Bank* of AB SEB bankas

If you are willing to make amendments to the agreement terms

Visit any unit of AB SEB bankas

Important

Unit-linked life insurance Rules No. 012 (effective since 5 May 2014) (PDF, 145 KB, in Lithuanian)

Additional Child Insurance Rules No. P05 (PDF, 41 KB, in Lithuanian)

Additional Accident and Injury Insurance Rules (PDF, 200 KB, in Lithuanian)

Additional Children Critical Illness Insurance Rules (PDF, 56 KB, in Lithuanian)

Price List 012 (PDF, 90 KB, in Lithuanian)

Prices of investment units

More

How to pay insurance premiums under the life insurance agreement? (PDF, 600 KB, in Lithuanian)


Information in this document about the unit-linked life insurance service offered by UAB SEB gyvybės draudimas is submitted for marketing purposes only. It may not be interpreted as a personal recommendation and an instruction to invest and may not be deemed to be the basis or a part of any deal to be executed later. Irrespective of the fact that the content of this document is based on the sources that are deemed to be reliable, AB SEB bankas and  UAB SEB gyvybės draudimas will not assume responsibility for any inaccuracies or losses, which may result from the actions taken on the basis of such information. The specific taxation depends on the individual circumstances related with you and may be subject to changes in future.

The investment return is related to risks, its value may increase or decrease and previous positive return does not guarantee the same result in future. In certain cases, the losses may exceed your initial investment. In case of investment in the financial instruments denominated in a foreign currency, fluctuations in the exchange rates may have impact on your investment return.

You will be responsible for the investment decisions made by you, therefore before making thereof you should familiarise with detailed information and strategy of a specific investment plan and assess yourself or with the assistance of consultants, whether inflation or exchange rate fluctuations or any other market even, which does not depend on the intentions and actions of AB SEB Bankas or UAB „SEB gyvybės draudimas“ may result in decrease of your investment value.

Before making any investment decision, we recommend you to familiarise with descriptions of the investment plan and prospectuses of the funds you invest in under such plan, to obtain more detailed information about characteristics of such financial instruments, benefit and risk factors. You may receive such information by calling at 1528 or by visiting any unit of AB SEB bankas.

Clients, who do not meet the criteria for entering into the insurance agreements specified in the standard insurance rules, may sign the insurance agreement on the individual terms.

Please note that the services described here are not intended for investors within the jurisdiction other than that of SEB bank units providing these services and investment opportunities, authorisation to invest and investing in locations of certain jurisdictions, including the United States of America, Canada, Japan and Australia, may be unlawful. SEB bank may not advise on investment issues, promote investments, solicit or offer investments where any such may be unlawful. If you live or read information on this website at a location within the jurisdiction other than the one of the SEB bank unit which provides this information, you are responsible for compliance with the laws and other legal acts which may be applicable to you. If you need more information, please contact your SEB bank account manager or any SEB bank unit.

Calculators

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