Premium invest / Start Invest

Premium Invest, the single-premium unit-linked life insurance

Are you thinking about an investment plan that can support your dreams and future goals? We have a proposal for you: Premium Invest, a single-premium unit linked life insurance productin euro, developed by Allianz-Tiriac in partnership with UniCredit Bank. This product:

offers you the opportunity to participate in the performance of international financial markets through three investment programs, each with an associated risk class (low, low to medium and medium);

✓ the investment programs are managed by Allianz Tiriac and access Amundi Asset Management funds*;

✓ depending on the risk class, the three investment programs may include investments in equities, bonds, securities or money market deposits;

also includes financial protection component, through the insured sum paid in case of due to accident or illness. Specifically

✓ for insured persons up to 75 years old: the beneficiaries receive both the insured sum, set at 10% of the account value, and the amount accumulated through investments, but not less than the total premiums paid;

✓ for insured persons over 75 years old: only the risk of death due to accident is covered, with the insured sum also set at 10% of the account value, to which the accumulated amount is added. In case of death due to illness, the benefit paid will be equal to the amount accumulated from investments.

*Amundi Asset Management is one of the largest asset managers in the world according to the IPE “Top 500 asset managers” ranking published in June 2020, based on data collected in December 2019.

*Please consult the general conditions and the specific conditions for detailed information regarding the Premium Invest single-premium unit-linked life insurance product.

Start Invest - Life insurance with an investment component with regular premium

Whether you want to provide financial to support for your children or grandchildren for their studies or start in life, to carry fulfill a personal project, out a soul dear project or to save money for retirement, we are happy plesed to offer you a suitable solution.

With Start Invest, a life insurance product with an investment component, available in euros or lei and, developed based onthrough a strategic partnership with Allianz-Tiriac, you can have the money amount you want need at the right time, as follows:

you determine decide the amount you need and the monthly amount sum you can save.
you turn torely professional management of the money deposited in the your investment account throughout the duration of the contract.
you create your own savings plan and accumulate the desired amount.
you benefit from financial protection for the implementation ofachieving long-term plans from starting the day after inclusion joiningin the insurance. From theBeginning with the second day after the policy is issued, if the insured person dies or becomes permanently disabled to the first or second degree(grade I or II), Allianz- Tiriac will deposit intro the account the premiums that were supposed to be saved until the end of the contract, to achieveensuring your the personal objective is reached.

Start Invest is a unit-linked product that:

has a financial protection component:

✓in the event of death caused by accident or illness, the beneficiaries receive both the sum, (set at 10% of the accumulated from investments), and the actual investment amounts accumulated, but not less than the value of the investment premiums.

✓ in case of grade I or II disability, the iInsurer takes over the payment of premiums, including investment premiums, so your financial plan can continue.

✓ you may add a critical illness clause, choosing one of the three coverage levels, at any time during an active contract.

offers the opportunity to participate in the performance of international financial markets through investment programs with various risk classes (low, low-to-medium, and medium):

✓ investment programs in lei are managed internally by Allianz- Tiriac, while those in euros access funds from Amundi Asset Management*.

✓ depending on the risk class, both lei and euro, programs include: investments in shares, bonds, money market instruments, or deposits.

Because during the minimum 10-year contract, term your financial situation may change, the product is designed to be highly flexible and adaptable. You can increase or decrease your premium (while the minimum allowed limit), make additional deposits, make partial withdrawals, or change your chosen investment option.

Start investing for your dream as early as possible!

Consult the general conditions and specific conditions for detailed information regarding the Start Invest unit-linked life insurance with regular premium.

*The information provided in this document does not constitute an offer, investment recommendation, or investment analysis by any Amundi group company, Allianz-Tiriac Asigurari S.A. or by UniCredit Bank S.A.

Both the euros (Amundi Funds) and lei (Allianz-Tiriac Asigurari S.A.), funds involve not only the their specific benefits, but also the risk of not meeting their objectives, including potential losses for investors. Returns generally reflect the associated risk level.

Past performance of the funds does guarantee of future results.

Amundi Funds are managed by Amundi Luxembourg SA, headquartered at Allee Scheffer 5, L-2520 Luxembourg, authorized and supervised by the Commission de Surveillance du Sector Financier. The depositary and paying agent is CACEIS Bank, Luxembourg branch. The prospectus and Key Investor Information Document (KIID) are available on the website www.amundi.com/globaldistributor and may be obtained free of charge at Amundi Asset Management S.A.I. S.A., at Bd. Dacia no. 56, building B, sector 2, Bucharest.

The investment programs in lei are managed by Allianz-Tiriac Asigurari S.A., located at Str. Buzesti, no. 82-94, floors 3, 4, 12, Bucharest, sector 1, postal code 011017, authorized by the Financial Supervisory Authority, insurer code RA-017, LEI Code 529900XKNXM9MBH8GS45.

Key Information Document (KID) and the periodic reports for investment programs are at: www.allianztiriac.ro/ro_RO/documente-utile.html.

Information notice on the processing of personal data by UniCredit Bank.

Information notice regarding the Affiliated Agent.

Information notice regarding the processing of personal data by Allianz Tiriac .

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