Save easily and flexibly with Investment Insurance or a Savings Contract, depending on your life situation. We can offer you a way to save and invest that suits your situation and your goals. Our experts will assist you in choosing the right investment option.
If you would like to open an Investment Insurance or a Savings Contract, please leave us a free contact request.
You can conveniently change investment objects through our Web Service. No tax is levied on changing investment objects within the Savings Contract and Investments Insurance. Capital gains tax is paid only on the accrued returns.
You can select the most suitable Allocation investment basket to suit your risk level and goal, and our experts will manage your wealth. If you wish, you can also make your selections from our vast array of investment baskets and the investment funds of our partners. You can save larger or smaller sums monthly and put your savings plan on hold if you wish.
Investment Insurance includes life insurance. It can help you take care of the financial security of your loved ones through the savings you accrue. Savings Contract is an effective solution for saving and investing, but it doesn't include life insurance.
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Saving for yourself or your loved ones? |
Investment Insurance |
Savings Contract |
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Changing investment objects without tax consequences |
Yes |
Yes |
| Partial or full withdrawal of savings partway through the investment period |
Yes. Capital gains tax is only paid on the contract’s returns. Capital under the contract (i.e. premiums paid into the contract) is not taxable. |
Yes. Capital gains tax is only paid on the contract’s returns. Capital under the contract (i.e. premiums paid into the contract) is not taxable. |
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Life insurance cover |
Yes. The accrued savings are paid as life insurance compensation to the beneficiary even before the settlement of the estate. |
No |
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In the event of death |
Life insurance compensation paid to next of kin on the basis of a death is subject to inheritance tax. The highest tax rate applied is 19%. Life insurance compensation paid to a beneficiary other than next of kin is subject to capital gains tax. You can freely appoint and change the beneficiary whenever you need to. |
The contract does not end; it continues under the ownership of the estate of the deceased/heir. The contract does not end; it continues under the ownership of the estate of the deceased/heirs. In inheritance taxation, the contract’s fair value is considered to be the contract’s surrender value. |
*) The taxation information corresponds to the tax legislation in effect on 1 January 2020. Mandatum Life is not responsible for any possible changes in taxation.
We will contact you to schedule an appointment. In the ‘Additional information’ field, you can include, for example, the best time to call you.
We will review your situation and determine your investment needs.
By discussing matters with you, we will be able to offer investment services to suit your situation.
