Stejar
STEJAR is a programmed savings product with life insurance policy, offered by BRD and Aviva Life Insurance, member of Aviva Group, one of the most important insurance groups in the world.
This product is designed to address our clients' needs of maximizing savings on medium and long term.
SET YOUR PRIORITIES AND THE WAY TO REALIZE THEM
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With STEJAR, you have your own savings program according to your wishes and financial possibilities: you decide by yourself the level of insurance premiums, the contract duration and the frequency of payments. You can revise your contract terms periodically or increase your investment by additional insurance premiums.
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STEJAR is not just a savings plan - it also offers you financial security. You decide who the fund beneficiaries are, if an unfortunate event occurs.
In case of death due to any cause, STEJAR guarantees that your beneficiaries have access to 105% of the cumulated funds without inheritance fees and procedures.
Moreover, starting with the 6th anniversary of the contract, STEJAR offers you a free additional life insurance in case of death due to an accident.
CHOOSE THE MOST SUITABLE INVESTMENT OPTION
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- For your investments in RON:
According to the performance you want to obtain and to the risks that you are inclined to accept, you can choose one of the investment programs Practic, Practic Plus or Practic Max.
Practic is a program with a low risk level - your funds are invested on the Romanian monetary market.
If you want a higher return on your investment, you can choose Practic Plus (medium risk level) or Practic Max (high risk level). With Practic Plus and Practic Max, your funds are invested in stocks rated at the stock exchange (BET and BET-FI), in corporate, municipal and government bonds on the Romanian market.
- For your investments in USD and EURO:
Your funds are invested in government bonds on West-European markets and / or blue-chip stocks rated on international stock exchanges, depending on the program you've chosen: CONSERVATOR, MEDIAN or SUPREM.
Moreover, transfers between investments programs in the same currency are allowed at any moment. The first transfer of each contractual year is free of charge.
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VERY CONVENIENT
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With Simplis Debit, it's easier for you to pay your STEJAR insurance premiums, and you don't have to come at the bank. The direct debit service allows automatically takingover of the premiums directly from your BRD current account. |
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