Investing in a guided manner, protecting your assets, and preparing for the various needs that may arise throughout your life. These are the objectives of "Active Routes", the new multi-branch insurance solution launched by Intesa Sanpaolo Insurance to assist clients in managing their capital through investment paths updated over time.
The new product expands theLife offer The Company aims to respond to a context in which Italian families are increasingly interested in tools that combine investment, protection, and succession planning. The increase in assets held by families and the progressive transfer of wealth to new generations are changing the needs of investors, who are increasingly seeking Industrial flexible e Custom.
Personalized investments and dynamic portfolio management
The main feature of “Active Paths” is the guided asset allocation managementThe Company defines and updates the composition of its investments over time, with the aim of maintaining the portfolio consistent with the client's age, risk profile, and the evolution of the financial markets.
The policy provides four different investment paths, characterized by different levels of market exposure. The strategy is adapted through an automatic and periodic rebalancing mechanism, allowing clients to benefit from professional management without having to directly influence allocation decisions.
“Percorsi Attivi” also introduces an insurance protection component: in case of death of the insured, beneficiaries are granted a additional increase related to the age of the insured, In addition to guarantee of return on invested capital, regardless of age and time of death.
The solution is also designed for the phase following the accumulation of assets. After five years from the subscription, the customer can choose to activate a decumulation plan to supplement income or convert the accumulated capital into a life annuity, transforming the accumulated savings into a flow of periodic income.
“Percorsi Attivi” represents the second insurance product developed by Intesa Sanpaolo Assicurazioni on the technological platform isytech of Intesa Sanpaolo, as part of its digital innovation journey and the development of models increasingly geared toward personalized services.
