EuroHorizon

Characteristics of EuroHorizon 6

A life insurance product, linked to an investment fund with a one-off premium payment of minimum EUR 2500
A program, providing 100% protection of the capital of the net invested amount* and a possibility for additional yield at the end of the contract period up to 50% of the net invested amount* depending on the performance of the fund (possible total maximum yield of up to 50%)
Sum Insured upon a fatal event as a result of accident – equaling the triple amount of the one-off premium, however not more than EUR 75 000
Upon conclusion of the program an installment for the Guarantee Fund is also being paid as per Art. 565 of the Insurance Code, amounting to EUR 3.06 for the entire contract period
Surrender fee:

2% of the investment premium** when purchasing EuroHorizon 6 or

1% of the investment premium** when purchasing EuroHorizon 6 together with EuroFuture

Redemption fee: 5% of the amount withdrawn. The right to redemption is acquired immediately after the start of the contract.

*The net invested amount is the one-off premium, less the premium for covered risk Death due to accident (risk premium) and the entry fee on the investment premium**, which covers the administrative expenses of the Insurer.

Net invested amount = One-off premium – Risk premium – Entry fee

**Investment premium – the one-off premium less the premium for the covered risk Death due to accident (risk premium). The size of the entry fee depends on joining another investment insurance program.

Investment premium = Тhe one-off premium - The risk premium***

***Risk premium – this is the price that the Insuring Person pays for the covered risk „Death due to accident”

Find out more in the digital product brochure HERE.

Short description

Insurance-investment programme EuroHorizon 6 is a product, ensuring capital protection at the end of the contract period for the net invested amount. The product provides insurance protection in case of loss of life due to accident.

Conditions and EuroHorizon 6 coverage

Premium	Payment of one-off premium
Programme period	5 years, 5 days
Subscription period	05.01.2026 – 16.02.2026
Policy maturity date	28.02.2031
Minimum premium	2 500 EUR
Currency	EUR
Entrance fee	2 % of the investment premium when buying EuroHorizon 6 1 % of the investment premium when buying EuroHorizon 6 together with EuroFuture
Age of the insured person	18 to 70 years of age at the time of conclusion of the programme and no age limits for the insurer
Optimum Fund World Selection 100-1	The Unit linked Life insurance EuroHorizon 6 invests in an investment fund, managed by KBC Asset Management: Optimum Fund World Selection 100-1 ISIN: BE6368730014 Optimum Fund World Selection 100-1 is an investment fund with a fixed start and end. The fund’s aim is to pay on the maturity date 100% of the initial amount of the net invested amount* through investing in bonds and cash as well as a possibility for additional yield at the end of the contract period up to 50% of the net invested amount, depending on the performance of the fund. The fund’s yield is linked to the performance of a global-selection basket of assets, involving 30 companies with high market capitalization. More information on the fund's investment strategy can be found in the fund's prospectus and the Key Information Document published in the EuroHorizon 6 section of ww.dzi.bg.

How does the programme function?

Upon reaching the end of the contract term

The investment part of your premium (the paid one-off premium less the entry fee) is being invested in Optimum Fund World Selection 100-1 through the purchase of investment units.

Upon expiry of the insurance period, you will receive the deposited funds of the net invested amount*, even in the event of a negative change in the value of the units of the investment fund.

Upon an achieved positive change in the value of the investment fund’s units on maturity date, additional yield will be paid out, as it is limited up to 50% of the net invested amount for the entire period of the investment.

Early termination of the contract

In the case of early termination of the contract, the value of the owned units as of the date of submission of the termination request is paid after deducting a surrender fee.

You can find more information about the investment strategy of the fund in the fund prospectus and in the Key information document.

Insurance products with an investment component contain potential risk related to the investment part and the recommended holding period of the product until the maturity date. Detailed information about the product and the associated risks can be found in the documents from the precontractual information, general conditions, KID, etc. The information can be obtained free of charge at any UBB branch.

Previous editions EuroHorizon