Insurance-Investment products

Full Life Plan program

Build your capital with the help of a flexible plan.

You can build up capital through regular periodic payments with the Full Life Plan investment program linked to BNP Paribas Asset Management investment funds.

Specifically, you can:  

  • Choose your desired term of duration, anywhere between 10 and 20 years. 
  • Invest in the expertise of an internationally acclaimed manager.
  • Choose the frequency of premium payment with a choice of monthly, quarterly, semi-annual, or annual payments without any charge for the investment premium.
  • Choose the amount of the investment premium, with a minimum allowable premium of € 80/month for an investment period of up to 14 years or € 70/month for 15 years or more.
  • Get rewarded at 10 years with an additional 1.5% of the value of the investment account and 2% at the end of the plan if its duration is 15 years or more.

UCITS DO NOT HAVE A GUARANTEED RETURN AND FORMER RETURNS DO NOT ASSURE THOSE IN THE FUTURE.


In brief:

  • Flexible duration 
  • Flexible investment 
  • Flexible payment 

Full Life Plan Insurance-Investment program

This investment plan is based on Unit Linked insurance of periodic payments with no guaranteed maturity value. Each time you pay premiums, units are purchased based on the selling price. These units are added to the Investment Premium Account (IPA), and this is repeated each time premiums are paid.
Depending on the policy term you select, the plan will be linked to the Investment Portion of the series with a corresponding maturity date.
At maturity, the amount is paid either as a lump sum or in installments (fixed income or life annuity). In the case of a lump-sum payment, the current value (number of units x net unit price) of the Premium Investment Account (PIA) is paid.
You can choose the duration, with a minimum of 10 years, as long as your age at the start of the plan and the duration of insurance is not less than 18 years and not more than 75 years. The maximum possible policy term is 20 years. 

 

You can acquire the plan for a period of 10 to 20 years.

As a basic requirement, the insured person’s age must be between 18 and 75 years at maturity.

You have the option to choose your insurance premium.

The investment premium is selected with a minimum of € 80 / month for an investment period of up to 14 years or with a minimum of € 70 / month for 15 years and over.

The information you need.

In the following documents you will find all the information you may need.

 

The information above is purely informative and does not replace the pre-contractual information provided under current legislation or the insurance contract and its general and specific terms. Complete pre-contractual and contractual information for the specific product is available at NBG's branch network. 

The insurance plans have been set up by Ethniki General Insurance and are distributed by the branch network of National Bank of Greece SA, 86 Eolou Street, 10559 Athens, Company Reg. No.: 311481.  For more information press here. 

The distribution of the insurance plans is only provided by qualified NBG staff certified to provide insurance intermediation services. The Bank is registered with the Special Register of Athens Chamber of Tradesmen under Reg. No. 1028 as an insurance agent. The Special Register data are published on the electronic platform "Single Information Point for Active Insurance Intermediaries”, where you can verify the registration at the Special Register.

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Do you want more information?

Upon the expiration of the plan, you will receive the amount accrued in the investment account of the insurance policy. Specifically, you can choose to:  

  • Receive a pension for a specific period or a specific amount 
  • Receive a pension for life 
  • Receive a pension with a guaranteed payment period of 5 to 10 years
  • Receive a pension for life which could be transferable to a designated person

You can choose the amount of your investment. The minimum allowed amount is €840 annually (€70 per month) for 15 years and above or €960 annually (€80 per month) for an investment period of up to 14 years. The maximum allowed investment amount is €10.000 annually (€833 per month) irrespectively of duration.

No, It is not obligatory. One person can pay the insurance and another can be entitled to receive the amount at the end of the program, always according to the terms of the program.

Visit one of our branches today.

In the event of death of the insured person before the expiration of the plan, the beneficiary(ies) will receive one of the two following amounts, whichever is higher:  

  • The value of the premium investment account or 
  • The amount of the investment premium that has already been paid.  

     

What supporting documents do I need?

  • Identity card or passport
    Your ID card or passport must be valid, in Greek and printed format. Tell me more
  • Income Tax Clearance Certificate
    The latest Income Tax Slip Clearance Certificate on Taxisnet. Tell me more
  • Proof of occupation
    Your employer's certificate and/or copy of your latest salary statement if you’re employed in the private sector. Υour latest pension payment slip if you are a pensioner, and a document evidencing your VAT status if you’re a freelancer/sole proprietor.
  • Utility bill
    We will need a recent utility bill (for example electricity, telephone, water).

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