Choice of degree of protection

Grawe Universal

Are you short on funds? With the GRAWE Universal program, you will begin to gradually accumulate funds, live confidently and not depend on the whims of fate. GRAWE Universal is the most effective accumulation of capital during the specified period of validity of the contract with the possibility of choosing the degree of protection.

Information document on the standard insurance product "UNIVERSAL"

General conditions of the "UNIVERSAL" insurance product

GRAWE Universal guarantees

Maximally efficient accumulation of capital

Payment of the guaranteed insurance sum together with the accumulated reserves of bonuses after the expiration of the insurance contract

Reliable life protection

Payment to the beneficiaries of the guaranteed insurance sum together with the accumulated reserves of bonuses after the expiration of the contract, in the event that the insured person dies. At the same time, during the term of the contract, it is possible to receive a discounted guaranteed insurance amount

ACCIDENT PACKAGE

Can be purchased at the request of the policyholder together with the main program.
The "Accident" package is additional protection with an insurance amount of 25,000 UAH (5 000$) or 50,000 UAH (10 000$), the terms of which include:
• Additional protection due to an accident if the insured dies
• Additional protection of the insured person in case of disability due to an accident

Example GRAWE Universal*

Insured person	a 30-year-old woman
Term of insurance	20 year
Annual insurance premium: according to the main program according to the "Accident" package	10 000 UAH 150 UAH
Guaranteed sum insured for the main program	228 832 UAH
Guaranteed sum insured for the "Accident" package	50 000 UAH

Insurance payments

The year of the insured event	Payment in case of death of the discounted insurance amount (together with bonuses), UAH	Payment in case of death due to an accident (together with bonuses), UAH	Payment at the end of the term of the contract (together with bonuses), UAH
2	112 957	162 958	х
6	138 702	188 661	х
11	202 699	252 621	х
16	328 173	378 254	х
20	521 032	571 032	521 032

*The example is given in case of the death of the insured person during the first year of insurance.