EuroHorizon

Characteristics of EuroHorizon 7

Life Insurance, linked to an investment fund with a one-off premium payment of minimum EUR 1000
A programme with 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%)
The sum Insured upon a fatal event as a result of accident equals the triple amount of the one-off insurance premium, however not more than EUR 75 000
Upon conclusion of the programme an installment for the Guarantee Fund shall also be paid as per Art. 565 of the Insurance Code, amounting to EUR 3.06 for the entire contract period
Entry fee:

2% of the investment premium** upon purchase of EuroHorizon 7 or

1% of the investment premium** upon purchase of EuroHorizon 7 together with EuroFuture

Surrender fee - 5% of the withdrawn amount. Surrender entitlement shall occur immediately after the contract period start.

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

Net Invested Amount = One-off Insurance Premium - Risk Premium - Entry Fee

**Investment premium – the one-off insurance premium, less the premium for the covered risk being Death due to Accident (Risk Premium***)

Investment premium = One-off Insurance Premium - Risk Premium***

***Risk Premium - this is the price, paid by the Policyholder for covering the Death due to Accident risk.

More information is available in our digital brochure HERE.

Short description

The EuroHorizon 7 insurance-investment programme is a product, ensuring capital protection at the end of the contract period for the net invested amount* and a possibility for additional yield. The product provides insurance protection in case of loss of life due to accident.

Conditions and EuroHorizon 7 coverage

Premium	Payment of one-off premium
Programme period	5 years 1 month and 12 days
Subscription period	04.05.2026 – 08.06.2026
Policy maturity date	31.07.2031
Minimum premium	EUR 1000
Currency	EUR
Entry fee	2% of the investment premium upon purchase of EuroHorizon 7 or 1% of the investment premium upon purchase of EuroHorizon 7 together with EuroFuture.
Insuree’s Age	From 18 up to 69 years upon programme conclusion and without age restrictions for the Policyholder
Optimum Fund World Selection 100-1	Optimum Fund World Selection 100-1 Advanced is an investment fund with a fixed beginning and end. The fund aims to repay 100% of the initial amount of the net invested amount on the maturity date by investing in bonds and cash, as well as to generate a return of up to 50% of it, depending on the performance of the risky assets in the fund. The potential return is achieved by investing in swaps of a selection of 30 global companies with large market capitalization. More information about the investment strategy of the fund is available in the fund prospectus and in the Key Information Document, published in the EuroHorizon 7 section at www.dzi.bg.

How Does the Programme function?

Upon reaching the end of the contract period

Beneficiaries will receive the net invested amount and the generated yield at the end of the contract period.

Upon an achieved positive change in the value of the investment fund’s units on the maturity date, additional yield of up to 50% may be achieved.

Early termination of the contract

Upon early termination of the contract what will be paid is the value of the units held as of the date of submitting the termination request after deducting a surrender fee.

The capital protection and the fixed minimum yield shall not apply to investors, who sell their units before the maturity date being 28.02.2031.

Unit-linked insurance products contain potential risk, pertaining to the investment part of the product and the recommended period of holding the product till the maturity date. Detailed information about the product and the risks, associated with it is available in the documents with pre-contractual information, in the General Terms, the Key Information Documents, etc. The information can be obtained free of charge at any UBB branch.

Previous EuroHorizon issues