Standard insurance product "Cumulative life insurance with participation in investment income"

◊ Information document on the standard insurance product "Endowment life insurance with participation in investment income"

№	Type of information	Programs
		Future and Protection		Children and Care
1	Insured object	The insured object is the life, health, and working capacity of the Insured person. The conditions of this clause are the same for all Programs provided under this insurance product.
2	Insurance risks. Insurance limitations	1. Insurance risks: Main: 1) Death of the Insured person occurring during the validity term of the contract and within its territorial coverage; 2) Survival of the Insured person until the end of the contract term. Additional: 1) Accident, resulting in: death of the Insured person; disability of the Insured person due to an accident (disability of group I, II, or III); a certain degree of permanent loss of professional working capacity of the Insured person due to an accident; 2) Disability of group I or II of the Insured person; 3) Critical illness of the Insured person. 2. Insurance limitations: Not eligible for insurance: persons registered in narcological, psychiatric, tuberculosis, dermatovenerological dispensaries, or AIDS prevention and treatment centers; persons officially declared legally incapacitated; persons with disabilities of group I, II, or children with disabilities; persons with oncological diseases and/or severe cardiovascular conditions (including but not limited to: heart defects, chronic circulatory failure stage IIA, IIB, III, history of acute coronary syndrome myocardial infarction) and/or renal failure, persons suffering from insulin-dependent diabetes mellitus; persons with chronic diseases of the nervous system (including but not limited to: epilepsy, consequences of strokes); persons using narcotic (toxic) substances for the purpose of intoxication; persons suffering from alcoholism; persons in places of imprisonment. Age of the Insured person at the date of contract conclusion: 16 - 65 years. The conditions of this clause are the same for all Programs provided under this insurance product.
		3. Beneficiary:
		The beneficiary can be a natural person.		The beneficiary can be a natural person: only a child who is a minor at the date of concluding the insurance contract and an adult at the date of expiration of the insurance contract.
3	Minimum and maximum amounts of the insurance sum (liability limit)	The amount of the insurance sum is set for each insurance risk. Maximum insurance sum for main risks – 500 000 USD; Maximum insurance sum for additional risks* – 500 000 USD; Minimum insurance sum* is individual, determined considering the minimum insurance premium amount. * Equivalent in the currency of the insurance contract. The terms of the insurance product provide the possibility of indexation (increase) of the insurance sum during the validity of the insurance contract, subject to a corresponding indexation (increase) of the insurance premium amount.		The amount of the insurance sum is set for each insurance risk. Maximum insurance sum for main risks – 100 000 USD; Maximum insurance sum for additional risks* – 100 000 USD; Minimum insurance sum* is individual, determined considering the minimum insurance premium amount. * Equivalent in the currency of the insurance contract. The terms of the insurance product provide the possibility of indexation (increase) of the insurance sum during the validity of the insurance contract, subject to a corresponding indexation (increase) of the insurance premium amount.
4	Minimum and maximum amounts of the insurance premium and/or insurance tariff	Minimum annual insurance premium – 6 000 UAH. Maximum annual insurance premium – 100 000 USD or equivalent in the contract currency. The insurance tariff is established by agreement of the Parties for each insurance risk, specified in the contract, and depends on the age, gender of the Insured person, their health condition, occupation, insurance term, timing of premium payments, and frequency of contributions.		Minimum annual insurance premium – 6 000 UAH. Maximum annual insurance premium – 20 000 USD or equivalent in the contract currency. The insurance tariff is established by agreement of the Parties for each insurance risk, specified in the contract, and depends on the age, gender of the Insured person, their health condition, occupation, insurance term, timing of premium payments, and frequency of contributions.
5	Type, minimum and maximum deductible amounts (if applicable)	The insurance contract does not provide for a deductible. The conditions of this clause are the same for all Programs provided under this insurance product.
6	Territory and term of the insurance contract [including information on the procedure for its entry into force and insurance period(s) (if any)]	1. Territory of insurance: Worldwide (excluding the Republic of Belarus and the Russian Federation). The insurance contract does not apply to: temporarily occupied territories of Ukraine, as defined by the legislation of Ukraine, as well as territories of Ukraine where state authorities are temporarily not exercising their powers, and settlements located along the demarcation line; territories of military operations of any kind; temporarily occupied, annexed, or disputed territories; territories of states not officially recognized by Ukraine; territories for which the Ministry of Foreign Affairs of Ukraine has issued a recommendation to refrain from traveling before the Insured person crosses the border. Insurance coverage within the territory of Ukraine located in a zone of hostilities of any kind, regardless of the official recognition of war under law, is provided for insurance events that are not causally related to war or military conflicts and any means or methods of their conduct, subject to the exclusions provided by the insurance contract. The conditions of this clause are the same for all Programs provided under this insurance product.
		2. Term of the insurance contract:
		from 5 to 45 years depending on the Program terms	from 5 to 35 years depending on the chosen Program terms
		3. The insurance contract enters into force from the date specified in the contract as the start date of the insurance period, but not earlier than the day following the date when the first insurance premium for the first insurance period is credited to the Insurer's current account, in accordance with the frequency of premium payments chosen by the Policyholder, in the amount and within the time limits specified in the Insurance Certificate (policy), as well as upon receipt by the Insurer of a properly completed Insurance Application. The conditions of this clause are the same for all Programs provided under this insurance product.
7	Possible consequences for the consumer in case of failure to fulfill obligations specified in the insurance contract	If the consumer fails to fulfill the obligations specified in the insurance contract, the insurer may refuse to pay insurance compensation. In addition, if the insurance premium is not paid in the amount and within the terms specified in the contract, the contract shall be deemed not concluded (unless otherwise agreed by the parties and specified in the insurance contract). The conditions of this clause are the same for all Programs provided under this insurance product.
8	Information on the possibility to purchase the insurance product separately	The insurance product is not an add-on to other goods, works, or services that are not insurance-related. The conditions of this clause are the same for all Programs provided under this insurance product.
9	Conditions for obtaining a discount on the insurance product and promotional offers of the insurer	This insurance product does not provide for discounts or promotional offers. The conditions of this clause are the same for all Programs provided under this insurance product.
10	List of information essential for assessing the insurance risk and/or other circumstances considered when determining the amount of the insurance premium	The information essential for the insurer’s decision on the amount of the insurance premium under the contract and the assessment of the insurance risk includes details about: The Insured person, as specified in the Insurance Application and the Health Questionnaire of the Insured person; the existence of an insurable interest of the Policyholder regarding the insured object, based on legal grounds or other legal relations. The conditions of this clause are the same for all Programs provided under this insurance product.
11	Procedure for taxation of insurance payments and application of tax benefits	The procedure for taxation of insurance payments is specified on the Insurer’s website at the link https://uniqa.ua/storage/files/shares/Public info/Procedure for taxation of insurance payments.pdf This insurance product does not provide for tax rebates (tax benefits). The conditions of this clause are the same for all Programs provided under this insurance product.
12	Conditions for reduction (decrease) of insurance sums and/or insurance payments in case of non-payment of the insurance premium in the amount and within the terms specified in the contract (if the insurance product terms provide the insurer with the right to unilaterally reduce the amount of insurance sums and/or insurance payments)	The insurance contract provides for a reduction (decrease) of Insurance sums and/or Insurance payments in case the Policyholder fails to pay the next insurance premium during the Waiting Period in the amount and within the terms specified in the contract that has been in force for more than two years. In such case, the Insurer has the right, from the day following the end of the Waiting Period, unilaterally to reduce the Insurance sum for the main risks and to terminate coverage of the supplementary risks. The insurance contract with a reduced Insurance sum becomes effective on the day following the last day of the paid Insurance Period, and the Insurer informs the Policyholder within 30 (thirty) calendar days after the reduction of the Insurance sum, indicating the new amount of Insurance sums and/or Insurance payments. The reduction is carried out according to the methodology for calculating the reduced Insurance sum, which is an integral part of the Underwriting Policy approved by the Insurer. By agreement of the Parties, the amount of the Insurance sum may be reduced along with a simultaneous reduction in the amount of Insurance premiums. Such changes can be made to the contract only on its anniversary date, provided there is no outstanding debt in premium payments. Such a reduction of the Insurance sum is allowed if it results in a decrease of the insurance premium by no more than 25% of its amount as of the contract conclusion date, and the total annual amount of the new insurance premium must not be less than the effective minimum at the date of submission of the application for amendments to the contract. In the event of a reduction (decrease) of the Insurance sum and/or Insurance payments, by agreement of the Parties to the contract, the amount of the Insurance sum and/or Insurance payments may be fully or partially restored to the level that was in effect at the time of the reduction. The conditions of this clause are the same for all Programs provided under this insurance product.
13	Amount and procedure for determining possible benefits exceeding the insurance sums and/or insurance payments established by the contract (if the insurance product terms establish the amount and procedure for determining such possible benefits)	The insurance contract provides for an increase in the amount of the Insurance sum and/or Insurance payments by amounts (bonuses) from the placement and management of assets, which are determined by the Insurer at least once a year based on other financial results of its activities (hereinafter – additional insurance obligations). The condition of reducing the Insurance sums and/or Insurance payments under the contract does not affect the Policyholder's right to bonuses. Bonuses are accrued monthly during the year and distributed at the end of the year; after termination of the contract bonuses are not accrued. Additional insurance obligations accepted by the Insurer are communicated to the Policyholder once a year together with information on changes in the amount of insurance sums, insurance payments for individual insurance risks and the surrender value. At the same time, the amount of insurance sums, insurance payments for individual risks and the surrender value, taking into account bonuses from asset placement and management, cannot subsequently be reduced unilaterally. The payment by the Insurer of any additional insurance obligation is made simultaneously with the insurance payment for the main risks or with the payment of the surrender value under the contract. The insurance contract does not provide for an increase in the amount of the insurance sum and/or insurance payments by amounts determined by the Insurer once a year based on the annual financial results of its activities (participation in the Insurer’s profits). The conditions of this clause are the same for all Programs provided under this insurance product.
14	Consumer warning on the need to review information before concluding the insurance contract, including links to such information	Warning: before concluding the insurance contract, it is necessary to review the information on exclusions from insurance events and grounds for refusal of insurance payments, the insurer's liability limits for a particular insured object, insurance risk and/or insurance event, as well as the calculation procedure and conditions for making insurance payments at the link: https://uniqa.ua/storage/insurance-products/reports-files/9205_umovy_20.06.2025.pdf The conditions of this clause are the same for all Programs provided under this insurance product.