Safe child fund

Special discount

The Fear of the Year offers for the future of your children

Begin accumulating funds for your child's future or the start of independent life in the life insurance contract Secure Child Fund, and you will not have to pay the contract administration fee for a half-year!

This and more offers of the Fair of the Year are valid until 10-02-2019.

  • By paying the contributions of the selected amount, you will accumulate for the future of your child.
  • Even in the event of a serious accident, your child will be protected financially.
  • You can contribute more at any time thus increasing the accumulated amount, or less, if you have certain financial difficulties.
  • We provide a guarantee for your accrued amount, unless the contract is terminated earlier.

Secure Child Fund is the investment life insurance service provided by "Swedbank Life Insurance SE" Lithuania Branch through its representative Swedbank, AB.

The rules of the investment life insurance Secure Child Fund are available here.

Safe Child Fund Calculator

Child's age now:
Child's age as at contract end date:

Favourable scenario

Moderate scenario

Unfavourable scenario

Projected payout at contract end:

( Market value of savings )

( Guaranteed amount )

( Guaranteed amount )

Total premiums:

Estimated annual average earning rates of underlying assets
Equities: 10,1% 4,5% -0,8%
Medium-term (5-7 years) bonds: 3,7% 2,2% 0,6%
Short-term (1-3 years) bonds: 1,7% 1% 0,4%
Favourable scenario details Moderate scenario details Unfavourable scenario details
  • Calculations are made according to data of the Safe Child Fund, having considered standard fees for services and your selected average annual return of investments. This example is just for illustration and may not be treated as the insurer’s offer or insurer’s obligation to save the specified amount. The insurer does not guarantee profitability of investments or saved amount. During the term of the contract the saved amount may both increase and decrease.
  • Forecast made is just an example calculated following assumptions selected by you and does not guarantee that investment value of the contract will coincide with figures specified in the example.
  • We would like to draw attention that investment value of the contract may both increase and decrease, and is subject to actual profitability of investments. The insurer does not guarantee profitability of investments or saved amount. The insurer will pay the guarantee amount only provided the contract remains effective until maturity date and investment amount on maturity date is less than the guarantee amount. This forecast is prepared, having considered standard fees applicable for the Safe Child Fund. Please apply for details the closest division of Swedbank, call 1884 or mail at the address:
  • The calculator uses indicators and calculating logic (planned amount of insurance payment, length of collection period, expected yield and its scenarios) that differ significantly from the requirements set for main information of combined retail and insurance-based investment products. In making a choice regarding an insurance product please review the results of the forecasts set out in the yield scenario table under ‘What are the risks and what could I get in return?’ in the Key Information document.
  • Secure Child Fund is a unit-linked life insurance service intended for those who wish to accumulate funds for their child‘s studies or the start of independent life, The service is provided by Swedbank Life Insurance SE Lithuania Branch through its representative Swedbank, AB.
  • You may save a desired amount by making periodic payments until your child becomes 18 to 21 years of age.
  • We recommend that you allot EUR 30 per month for your child‘s future. You can also make additional payments to increase the accumulated amount, or pay less if you have financial difficulties. In addition, there is an option of a 5% annual indexation of the periodic payment. This means that every year during the term of the Secure Child Fund Contract your payment will be increased 5%: having started from a minimum amount, you will save more with time.
  • Making payments is convenient and easy: they can be debited every month on a date selected by you. The method of automatic payment against an e-invoice allows you to set the payment amount and to increase/reduce it depending on your financial situation or the amount you want to accumulate.
  • The investment is covered by a guarantee. This means that, in case if the return on investment is negative upon expiry of the Contract, you will receive the guaranteed amount, i. e. the sum of your payments less the Secure Child Fund Contract fee. It is important to note that the guarantee does not apply in case of termination of the Contract prior to the end of the term (including the case of death of the child).
  • Your child will be secured financially if you are no longer able to care for and look after them (including in the event of your death). In such a case the remaining amount will be paid for you by Swedbank Life Insurance SE Lithuania Branch. The sum of the remaining payments will be calculated as follows: the monthly insurance payment (maximum EUR 100) multiplied by the number of full months remaining until the end of the term.
  • The State encourages this saving method and applies tax rebates for accumulative life insurance premiums. Therefore, every year you will be able to benefit from the rebate on the income tax of individuals, and recover up to 20 % of the total premiums paid.* The maximum amount of the tax premiums paid per year from which the tax payer can recover 20 % is EUR 1500.

    More information here.

    * i.e. premiums according to accumulative life insurance contracts, to pension funds, associations of participants of occupational retirement funds, and/or analogous entities operating in a State of the European Economic Area.

Secure Child Fund is a unit-linked life insurance service where the investment risk is assumed by the policyholder.

Please note that the investment value of the contract may either increase or decrease depending on the actual yield of investments. The insurer does not provide guarantees of yield on investments and accumulated investment value.

The insurer will pay the guaranteed amount provided that the contract remains in effect until the end of the terms and the investment value of the contract is lower than the guaranteed amount as of the end of the term of the contract.

The information provided may not be treated as the insurer‘s recommendation to choose this service; you are responsible for your choice, therefore, prior to deciding on the entering into the unit-linked life insurance contract you should familiarise yourself with the detailed information contained in the insurance rules, descriptions of investment allocations and other information published on