Investment Strategies

With life insurance savings, you can choose how your investments will be placed.

Guaranteed Profit Savings

The programme of guaranteed profit savings provides a fixed interest rate on your savings. This rate is calculated daily and the profit is added once a quarter to savings. An additional profit with floating interest is also added once a year to savings; the rate depends on the company's operating results in the current year.

Savings in Mutual Funds

In order to increase the possibilities of profit, you make your own investment strategy by distributing the savings among carefully chosen SEB life insurance funds.

You can also choose any of the offered investment strategies (funds of funds) with different investment risk levels. By choosing to invest in mutual funds, you assume the investment risk related to fund price fluctuations.

To help clients feel secure about their invested funds, SEB life insurance provides a service that is unique to the Latvian market – the possibility to establish and automatically control a risk tolerance limit for the funds' policy.