Alleanza Assicurazioni strengthens its digital offer with the launch of Valore Alleanza, a latest generation investment solution that combines returns and protection for the family. In a context of low interest rates, Alleanza is aimed at prudent savers who want to grow their savings in a calm way, with competitive yields compared to government bonds, and over a medium-term time horizon. All designed for sale on tablets, with digital signature, communications via email and with the possibility of following one's position on home insurance.
“We thought of offering a customer with a low risk profile a solution that satisfies his need for tranquility and prudence in investments, but which has the possibility of an extra return compared to government bonds. At the same time, we want to offer coverage in the event of death or disability due to injury or illness", explains Renato Antonini, Head of Life and Non-Life at Alleanza Assicurazioni. The effective integration between the various business solutions is the true innovative aspect of Valore Alleanza which combines a family protection package with a classic financial investment.
Suitable for a broad target of customers, from forty-year-olds with families, to young people with dreams yet to be fulfilled and a "little nest egg" to safeguard, up to older people, Valore Alleanza allows you to invest, for example, 15.000 euros and, with less than 2 euros a month, have protection against any event that could cause serious disability or death.
In detail, it is a single-premium hybrid product with no term constraint. The composition of the investment combines the Euro San Giorgio separate management, characterized by stable returns over time, with the Alleanza Obbligazionario Fund, which adopts a prudent investment strategy with the aim of obtaining higher returns than government bonds, based on the volatility contained. Added to this are guarantees of protection for accidents, illness or road accidents for those who want to protect not only their capital but also their own person and family. To access the new insurance solution, all you need is 10.000 euros (up to a maximum premium of 500.000 euros) and it is possible to redeem part of the capital without costs, even after the first year.
Valore Alleanza is protection: it guarantees additional capital in the event that an accident causes serious disability or death, with the possibility of extending this protection also in the event of illness.
Valore Alleanza is yield: 50% of the capital is invested in the separate management Euro San Giorgio (gross yield 3,86% in 2016) and the remaining 50% in Fondo Alleanza Obbligazionario, a fund of the Company which invests effectively in securities mainly of a bond nature.
Valore Alleanza is the availability of money: it allows you to dispose of your own money, since, if necessary, after the first year it is possible to withdraw up to 20% of your capital without costs, while from the sixth year it is possible to redeem 100% without costs.
Valore Alleanza is digital: it is the first single-premium product designed entirely for digital sales, from the information and consultancy phase, to signing and payment.
