Network Partner Profile

• Established in 1991; member of the strong Vienna Insurance Group, the leading Austrian insurer rated “A+” by Standard & Poor’s in 2010.
• Second largest composite insurer with a market share of 21.51% and a total premium income of CZK 31 billion in 2009.
• Ranked second in the life insurance market with a market share of 13.01 % and a premium income of CZK 7.7 billion in 2009.
• Ranked first in the non-life insurance market with a market share of 30.21 % in 2009.
• Services more than 2 million clients with approximately 4 million insurance contracts (of which over 800,000 are life insurance policies).
• More than 300 operations  one of the most widespread distribution networks in the Czech Republic.
• Strategic partnerships with Ceska sporitelna (the biggest bank in the Czech Republic) since 2004 and with Ceska podnikatelska pojistovna (an affiliated company of Kooperativa) since 2005.
• Member of the Swiss Life Network since 1992.

• All lines of insurance are provided.
• Pays out an international dividend depending on the amount and development of the reserves for all life coverages.
• Experience rating is available depending on the number of lives insured.
• Premiums may be paid monthly, quarterly, semi-annually and annually, or on a single premium basis.
• Also offers unit-linked products.

Types of Benefit - Coverage available and poolable:

• Group Life
• Accidental Death & Dismemberment
• Disability Pension (rider)
  

Types of Benefit - Coverage available:

• Endowment
• Medical

Financial Products available via associate:

• Old Age Pension (Pension Funds supported by the state)