This article clarifies the main questions regarding the Seguro de Capitalização Grupo Aberto.
Summary:
- Do I need company approval to join this product?
- How does the Seguro de Capitalização Grupo Aberto, from Real Vida Seguros, work, and what are the product conditions?
- How can I manage my Seguro de Capitalização Grupo Aberto?
- What are the conditions to access the accumulated value of my product?
- How can I make a top-up outside the Coverflex platform?
- What steps should I follow to transfer money from my product to another fund manager?
Do I need company approval to join this product?
As long as it's available on the Coverflex app, you can join whenever you want and start saving. No further approval or paperwork is needed!
How does the Seguro de Capitalização Grupo Aberto, from Real Vida Seguros, work, and what are the product conditions?
You have complete flexibility regarding the frequency of contributions!
You can make them whenever you want, as long as they are at least €25, and yes, there's a 1.75% fee on each contribution. The redemption fee is 0%, and you can make a zero-cost redemption as long as you redeem at least €1 directly on the MyRealVida platform. This process takes 8 business days.
The Profitability Rate is defined at the beginning of each calendar year, but the capital is always guaranteed.
How can I manage my Seguro de Capitalização Grupo Aberto?
You can make top-ups to your investment directly through the Coverflex App and manage your policy from the MyRealVida platform.
What are the conditions to access the accumulated value of my product?
You can receive the accumulated value whenever you want. You can choose to receive the total value:
- In a single payment from the insurer;
- In several consecutive payments;
- In lifelong payments;
- or In any combination of the above options.
How can I make a top-up outside the Coverflex platform?
Currently, there is no possibility to make additional contributions outside the Coverflex platform.
What steps should I follow to transfer money from my product to another fund manager?
This product does not allow transfers. Alternatively, you can make a total redemption of the values.