Minimum regular premium: 50 EUR per month, 150 EUR per quarter, 600 EUR per year. The premium is paid regularly: monthly, quarterly or annually with the option of a one-time premium. The payment plan lasts from 10 to 40 years. Minimum additional one-time premium payment: 500 EUR.

No entry fee. Simple contract conclusion for policyholders (no health examination or questionnaire). Low minimum single premium: 1,000 euros. Flexibility in purchasing: option to contract multiple policies to diversify assets according to different macro trends. High upper age limit for contracting: 75 years Voluntary transfer to a newly established internal fund - exposure to new macro trends. Redemption possible after one year.

Minimum and maximum premium: Min: € 1,000 Max: € 1,000,000

Investment life insurance

Q: Investment strategies (models)

1. Life Cycle (guided investment) The investment allocation is automatically determined according to the client's age. The client does not choose the funds or investment ratios themselves. As the client ages, the share of equity investments gradually decreases, and the share of bond investments increases. The portfolio is automatically rebalanced every year. 2. Free Path (free choice) The client chooses the funds and investment allocation themselves. He can change the allocation of future payments at any time. Transfers between funds (switches) are possible without a fee. The funds within the model are: Life Cycle Plus DB tracks global equity markets (benchmark MSCI World) Life Cycle Standard DB focuses on global investment-grade bonds (Bloomberg Global Aggregate EUR Hedged). Life Cycle Base DB invests in short-term European bonds

Q: Investing in an internal fund

Internal fund &bdquo;Trend Robotics Evolution“ The funds are invested in an internal fund managed by the Company, the goal of which is to increase the value of the unit, with the aim of protecting at least 100% of the highest achieved unit value during the period from 25.7.2026. do 23.10.2026. on the maturity date. 1. BOND COMPONENT THROUGH WHICH PROTECTION IS INTENDED TO BE ACHIEVED Management through a "buy and watch" strategy, consisting of 95% diversified IG bonds (BTP and Investment Grade) selected by Eurizon Capital and 5% CLC (Credit Linked Certificate) ISP, with maturity aligned with the fund 2. EQUITY COMPONENT Purchase of options over different time periods: 33% at the end of the subscription period, and the remaining portion in two additional tranches within the first three years of the fund's existence. It enables participation in the performance of the MSCI World Select Humanoid Robots Tilted 5% Decrement index .

Information about the insurer Intesa Sanpaolo Assicurazioni

Intesa Sanpaolo Assicurazioni is the parent company of the Intesa Sanpaolo Assicurazioni Group. It was founded in January 2012 through the merger of EurizonVita, Intesa Sanpaolo Assicurazioni (formerly Intesa Vita), Sud Polo Vite and Centrovita Assicurazioni. In December 2014 Intesa Sanpaolo Assicurazioni further expanded its offering by acquiring the pension funds previously managed by Intesa Sanpaolo Previdenza SIM. In December 2023 Intesa Sanpaolo Assicurazioni further included the expertise and experience of Intesa Sanpaolo Life in the Group and at the same time established a branch in Dublin — Intesa Sanpaolo Assicurazioni Dublin Branch.

Through its branch in Dublin, Intesa Sanpaolo Assicurazioni provides cross-border services in Italy, Spain and Croatia. In Italy and Croatia distribution is carried out through banks operating within the Intesa Sanpaolo Group:

Intesa Sanpaolo – Banca dei Territori
Intesa Sanpaolo Private banking S.P.A.
Privredna Banka Zagreb d.d.

In Spain, Intesa Sanpaolo Assicurazioni distributes its products through a network of external financial advisors.

Find more information at Intesa Sanpaolo Assicurazioni.

Expertise and experience

The Intesa Sanpaolo Assicurazioni Group brings together and offers the highest level of expertise and experience on the market: we are the leader in Italy in bancassurance and solutions that offer additional income in retirement. We offer investment-insurance products and products intended for retirement savings, which create long-term value for our clients, thanks to our recognizable stability and reliability and a constant focus on service quality throughout all phases of the product life cycle.

Investment life insurance products

Our insurance and retirement product offering covers three core segments:

investment
protection
pension savings.

In the area of investment and protection we offer products that are designed to meet clients' insurance needs and increase the value of their assets.

Opportunity Plan Dublin Branch

Investment life insurance in the event of death where the policyholder bears the investment risk.

Key product information

Who is the Opportunity Plan Dublin Branch intended for?

Natural persons residing in the Republic of Croatia, who are over 18 years of age and under 60 years of age.
Clients with a low or medium level of theoretical knowledge and financial experience, who can partially tolerate financial losses and are looking for capital growth with an investment horizon of at least 10 years.

Characteristics

The possibility of investing in diversified investment instruments.
The risk of death of the insured is insured in accordance with the General Terms and Conditions applicable to life insurance contracts where the policyholder bears the investment risk.

The duration of the insurance contract is lifelong, and terminates in any of the following cases:

death of the insured,
right to withdraw from the contract,
full redemption of the contract,
refund of the first regular premium collected via SEPA direct debit.

The policyholder must be an insured person (for natural persons).

Premum

Minimum regular premium:

50 EUR per month,
150 EUR per quarter,
600 EUR per year.

The premium is paid regularly: monthly, quarterly or annually with the option of a one-time premium.
The payment plan lasts from 10 to 40 years.
Minimum additional one-time premium payment: 500 EUR.

Investment strategies (models)

1. Life Cycle (guided investment)

The investment allocation is automatically determined according to the client's age. The client does not choose the funds or investment ratios themselves.
As the client ages, the share of equity investments gradually decreases, and the share of bond investments increases. The portfolio is automatically rebalanced every year.

2. Free Path (free choice)

The client chooses the funds and investment allocation themselves.
He can change the allocation of future payments at any time. Transfers between funds (switches) are possible without a fee.

The funds within the model are:

Life Cycle Plus DB tracks global equity markets (benchmark MSCI World)
Life Cycle Standard DB focuses on global investment-grade bonds (Bloomberg Global Aggregate EUR Hedged).
Life Cycle Base DB invests in short-term European bonds

Documents

Documents are available in croatian language.

Opportunity Trend Dublin Branch

Investment life insurance with the purpose of preserving capital while accepting the risk that the investment may suffer limited losses before the fund matures.

Key product information

Who is Opportunity Trend Dublin Branch Investment Life Insurance for?

Individuals and legal entities with a residence/headquarters in Croatia.
⁠Individuals between 18 and under 76 years of age.
⁠Persons who want to invest for the long term.
Persons interested in preserving capital while accepting the risk that the investment may suffer limited losses before the fund matures.

Characteristics

No entry fee.
Simple contract conclusion for policyholders (no health examination or questionnaire).
Low minimum single premium: 1,000 euros.
Flexibility in purchasing: option to contract multiple policies to diversify assets according to different macro trends.
High upper age limit for contracting: 75 years
Voluntary transfer to a newly established internal fund - exposure to new macro trends.
Redemption possible after one year.

Investing in an internal fund

Internal fund „Trend Robotics Evolution“

The funds are invested in an internal fund managed by the Company, the goal of which is to increase the value of the unit, with the aim of protecting at least 100% of the highest achieved unit value during the period from 25.7.2026. do 23.10.2026. on the maturity date.

1. BOND COMPONENT THROUGH WHICH PROTECTION IS INTENDED TO BE ACHIEVED

Management through a "buy and watch" strategy, consisting of 95% diversified IG bonds (BTP and Investment Grade) selected by Eurizon Capital and 5% CLC (Credit Linked Certificate) ISP, with maturity aligned with the fund

2. EQUITY COMPONENT

Purchase of options over different time periods: 33% at the end of the subscription period, and the remaining portion in two additional tranches within the first three years of the fund's existence.
It enables participation in the performance of the MSCI World Select Humanoid Robots Tilted 5% Decrement index.

Premium

Minimum and maximum premium:

Min: € 1,000
Max: € 1,000,000

Dokuments "Trend Robotics Evolution"

Documents are available in croatian language.

Previously issued tranche of the internal fund

Trend Industrial Revolution

1. Bond component throuh which protection is intended to be achieved

Management through a "buy and watch" strategy, consisting of 95% diversified IG bonds (BTP and Investment Grade) selected by Eurizon Capital and 5% CLC (Credit Linked Certificate) ISP, with maturity aligned with the fund

2. Equity component

Purchase of options over different time periods: 33% at the end of the subscription period, and the remaining portion in two additional tranches within the first three years of the fund's existence.
It enables participation in the performance of the EURO iSTOXX^® 50 Industrial Revolution 4.0 Tilted NR Decrement 5%” index.

This financial product promotes environmental and/or social characteristics in accordance with Article 8 of Regulation (EU) 2019/2088 (SFDR), but does not aim at sustainable investment.

Documents are available in croatian language.

Trend Metals and Mining

1. Bond component through which protection is intended to be achieved

Management through a "buy and watch" strategy, consisting of 95% diversified IG bonds (BTP and Investment Grade) selected by Eurizon Capital and 5% CLC (Credit Linked Certificate) ISP, with maturity aligned with the fund

2. Equity component

Purchase of options over different time periods: 33% at the end of the subscription period, and the remaining portion in two additional tranches within the first three years of the fund's existence.
It enables participation in the performance of the EURO iSTOXX 50 Precious and Industrial Metal Miners Tilted NR decrement 5% (synthetic dividend 5) index.

Documents are available in croatian language.

Trend Aerospace and Defence

The funds are invested in an internal fund managed by the Company, which aims to increase the value of the unit with the aim of protecting at least 100% of the highest achieved unit value during the period from 4.10.2025 to 28.1.2026. on the maturity date.

1. Bond component through which protection is intended to be achieved

Managed through a "buy and watch" strategy, consisting of 95% diversified IG bonds (BTP and Investment Grade) selected by Eurizon Capital and 5% CLC (Credit Linked Certificate) with a maturity aligned with the fund.

2. Equity component

Call options over different time periods: 33% at the end of the subscription period, and the remaining part in two additional tranches within the first three years of the fund's existence.
Allows participation in the performance of the EURO iSTOXX® 50 Aerospace & Defense Tilted NR Decrement 5% (synthetic dividend 5) index.

Documents are available in croatian language.