Ethniki General Insurance has launched Full Capital Plan, a cutting-edge, one-off premium payment unit-linked insurance-investment program, which is distributed through the NBG Branch Network and linked to "Life cycle" investment funds managed by BNP Paribas Asset Management.

Full Capital Plan is addressed to individuals or legal entities  who cumulatively:

  • Wish to generate returns through the investment of a lump sum of at least €5.000 on a long-term basis, while at the same time accepting the risk of negative price change of the investments classes/sub-funds units, to which the insurance product is linked.
  • Have sufficient savings, besides the lump-sum to be invested to cover any other regular or emergency needs.
  • Have the minimum required knowledge and experience in order to comprehend the risks that may arise from insurance products linked to investments that may potentially lead to substantial losses on the invested principal.
  • Wish to protect the future economic security of their family by means of life insurance.

The program offers flexibility as regards the payout options upon maturity of the program, i.e. by choosing to be paid the value of the Investment Premium Account either as a lump sum or alternatively in monthly payments for life or for a specific period of time or amount.

For further information see Details. 



Life Insurance Plans linked to investments - Insurance-based Unit Linked investment product with a lump-sum payment, without guaranteed value at maturity. The program aims at managing your funds through long-term investment in units of the linked investment classes/sub-funds of BNP Paribas Perspectives (2031-2033, 2034-2036, 2037-2039) up to their maturity and thereafter in BNP Paribas Perspectives Court Terme, up  to maturity of the Insurance Plan, while at the same time it offers life insurance coverage in the event of the Insuree's death during the validity period of the program. The investment classes/sub-funds are managed by BNP Paribas Asset Management France, a member of the BNP Paribas Group*.

Depending on the selected contract period, the program will be linked to a specific Main Investment Class of the series with the nearest maturity date.


Benefits at maturity

At maturity the amount is paid either as a lump sum or in instalments (fixed income or pension for life). In the case of a lump-sum payment, the beneficiary collects the current value (number of units x net unit price) of the Investment Premium Account.



You can choose the duration of the program, starting from a minimum 10 years, provided that the sum of the Insuree's age at the starting date of the program and the duration of the insurance is not less than 18 and not more than 75 years.

The maximum possible duration of the program is 20 years.



Full Capital Plan is a one-off premium payment insurance-based Unit Linked investment product giving a free choice of investment premium amount with a minimum required investment premium amount of €5.000. 


Insurance Coverage

In case of loss of Insuree's life prior to the maturity date of the insurance, either the value of the Investment Premium Account or the total amount of the paid one-off investment premium is paid out, whichever is highest.

* The investment classes/sub-funds of BNP Paribas Perspectives (2031-2033, 2034-2036, 2037-2039) are of the "Life Cycle" type and involve a higher investment risk in the initial few years while aiming for returns. Said risk gradually decreases as the product reaches its maturity, thus preserving as much as possible of the accumulated capital. The Court Terme investment class/sub-fund of BNP Paribas Perspectives entails a stable investment risk profile, renewed on an annual basis. Please note that transferring your investment to the aforesaid investment class/sub-fund does not imply a "risk free" investment.


 The information contained herein is purely informative and does not replace neither the pre-contractual information, as stipulated in the current applicable legislation, nor the insurance contract and its general and special terms. You can find the pre-contractual information here Learn more about the insurance plan's features, coverages, detailed terms, conditions and exceptions, from our qualified NBG staff, at any of our NBG  Branches.

The insurance plans are designed by Ethniki General Insurance and distributed through the branch network of National Bank of Greece S.A., Aiolou 86, 10559 Athens, Company Reg. No.: 311481. 


The distribution of the insurance plans is only conducted by qualified NBG staff, certified in 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 Registry's data are available through the online platform "Point of Single Contact (ESIP)" of Active Insurance Intermediaries, via which you can verify the registration with the Special Registry. ESIP website: http://insuranceregistry.uhc.gr/.


The product is not registered according to the U.S. Legislation (U.S. Securities Act 1933) and is not available to individuals and legal persons marked as U.S. Persons.




To find out more about the program, visit any of our NBG Branches today.

Basic documentation required:

Options offered by Full Capital Plan

  • Generating capital through a one-off premium payment, aiming to achieve returns on a long-term basis so as to support your future needs such as provision of pension, children's studies or professional obligations.
  • Bonus on the Full Capital Plan's 10th anniversary and/or its maturity (applied only to programs of duration of 15 years or more).
  • Management of the the linked investment classes / sub-funds  by BNP Paribas Asset Management, an internationally recognised investment manager.
  • Alternative ways of collecting the benefits upon maturity, depending on your needs at the time.
  • Your nearest and dearest can participate in the plan as Insurees (spouse, child, grandchild, etc.)  
  • Range of options on the amount of the insurance premium and the program's duration.

  • What is the amount of the Investment Premium?
    You are free to choose the amount of the investment premium, the minimum being €5.000.
  • Why should I choose Full Capital Plan?
    The insurance based Unit Linked investment program Full Capital Plan, offers the potential to generate capital through a one-off premium payment, aiming to achieve returns on a long-term basis so as to support your future needs.
    The linked Investment classes/sub-funds are managed by the globally recognized corporation BNP Paribas Asset Management.
    At the program’s maturity, the total value of the Investment Premium Account generated is paid out either in a lump sum or in monthly instalments depending on your needs at the time. In addition, a “10th anniversary Bonus” is granted in the form of an extra percentage amount added to the Investment Account at the program’s 10th anniversary, while a “Maturity Bonus” is also granted at the plan’s maturity, provided that the program’s term is at least 15 years.
  • Can I offer this program to my child?
    You can offer Full Capital Plan to someone you want to support financially, such as your child, by designating him/her as the Insuree, even from the age of 30 days, and as beneficiary of the program’s benefits, while you undertake payment of the premium as the Counterparty.
  • Can I redeem the program prior to its maturity?
    The right to early redemption is available (in full or partially) after the lapse of 3 months from the date that the contract comes into effect under the respective terms of the Full Capital Plan.