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Savings for Child’s Future

A present that grows together

Do you want to start saving for child's future dreams? Make a present for your child that will grow together!

  • You allot money for your child's future;'
  • we take care of investments;
  • your life is insured - in case of your death, we will pay the remaining insurance premiums as stipulated in the insurance rules;
  • guaranteed amount in the end of the agreement.

Good to know! Access to a PIT relief and a refund of part of the contributions paid.

Minimum contract period should be 10 years. Add single payment  You can always contribute with separate single payments, e. g. by transferring some savings into "Savings for Child’s Future" at the start of the agreement. Remove single payment  You can always contribute with separate single payments, e. g. by transferring some savings into "Savings for Child’s Future" at the start of the agreement.

Check your predicted investment return calculation by clicking on each of the different market scenarios:

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Schedule of payment & fees

Positive scenario

Contract year Total amount of payments Risk fees according to pricelist Risk fee is the fee for insurance protection - insurer's promise to proceed saving instead of you, should you die - and it depends directly on agreed monthly premium amount. Management and guarantee fees Management fee is used for management of your contract's life cycle investment portfolio and guarantee fee to protect your contract against negative investment results. Estimated amount accumulated at the end of contract term It's estimated (prognosed) value of savings calculated with estimated interest rates and payments you have defined above. Actual value of saving depends on actual investment performance of assets. Investment performance is not guaranteed as it depends on underlying assets earnings from financial markets during contract period. It is shown already net of contract fees.

• The forecast made is only an example, calculated on the basis of the above assumptions and standard fees, and it does not guarantee that the investment value of the contract or the amount of the guarantee will coincide with the data provided 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.
• The assumptions and calculation logic used in this calculator and in the product key information document are different. When choosing an insurance product, please also review the performance scenarios in the product key information document.

According to the suitability questionnaire report, this service is not recommended for you. Based on the evaluation of the data provided in the questionnaire, this product is not appropriate to you. We recommend to select advised product which you can check in Suitability report before proceeding with contract conclusion.

Do You have any questions?

Book a consultation

It is an investment life insurance service for growing savings for your child to start independent life. Starting paying monthly insurance premiums at early age of your child, you will be able to save more for your child's future.

How does it work?

  • You allot money for your child's future. Minimum monthly amount is EUR 30.
  • We take care of investments. Individual investment strategy tailored to your needs.
  • We insure your life – in case of your death, we will pay the remaining insurance premiums as stipulated in the insurance rules.

    In the event of your death the remaining amount will be paid for you to this contract by Swedbank Life Insurance SE. 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.

Safe Child Fund is an excellent decision to save for your child's future!

  • A very convenient way to save your child's state-paid money.
  • Others, e.g., grandparents or godparents, can contribute to savings. It can be a meaningful birthday present for a child. (download a voucher ).
  • Access to a PIT relief and a refund of the contributions paid.

    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

  • To be able to save more, you can increase the monthly insurance premium at any time.
  • Should you have any financial difficulties, you can also reduce the premium at any time.

    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.

  • Guaranteed amount in the end of the agreement.

    The amount of the guarantee is not paid if the contract is terminated or otherwise expires ahead of schedule.

Upon conclusion of the Secure "Savings for Child’s Future" Contract, an investment strategy tailored to your needs and accumulation term will be selected. Normally, investment strategy at the beginning of accumulation is more risky to enable your fund to earn money. Afterwards the risk is gradually reduced to preserve the accumulated funds.

At the beginning of the Contract term more risk is assumed by investing into equities (shares). Then the investment risk is gradually reduced by transferring part of the investment to bonds. This provides more security for the accumulated amount at the end of the term.

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The investment structure uses asset classes and the distribution between investment lines:

Investments in this asset class consist mainly of equity securities (equities) from developed markets, but may also include a small proportion of equity securities (equities) from emerging markets. The investment lines are: Global equities (50% allocation) and Global equities 2 (50% allocation). More on the investment directions.

This asset class consists of medium term Eurozone government bonds and global corporate bonds issued in euro (average term to maturity 10 years). The investment directions are: Medium term bonds 2 (50 % allocation) and Medium term bonds 3 (50 % allocation). More on the investment directions.

This asset class consists of short-term euro-area government bonds issued in euro (average term to maturity 3 years). Investment directions: Short term bonds (100% allocation). Life insurance investment directions - Swedbank

  1. Log in the internet bank and calculate what is the amount you would like to collect.
  2. Start concluding agreement.
  3. Fill in investment profile questionnaire.
  4. Verify and confirm the data entered.
  5. Monthly contributions will be made automatically, using e-invoices solution.
  6. Print a special certificate. You may fill it in and save together with your child – let the Savings for Child’s Future become a meaningful present!

Download a certificate

If you have questions about concluding the agreement online, please call us on +370 5 268 4444.

Our Consultation Centre‘s specialists will be happy to assist and advise you.

Sign up for a consultation

Manage savings contract in your internet bank:

Please visit Swedbank branch or call to Consultation Centre in case of:

  • You want to terminate contract it can be done at the branches of the bank or via internet bank having previously called Consultation Centre. Before you do that please take into account, that:

    • If the contract hasn’t been in force for at least 5 years, you will have to pay a fee according to Price list.
    • Guaranteed-amount condition will not be valid.
  • Indemnity payout out at the contract maturity. The person for whom the savings were created should submit an application for indemnity payout in internet-bank or in any Swedbank branch.

If you have any question or hesitation regarding your insurance agreement or disbursement of accumulated savings, you are kindly invited to call us +370 5 268 4444, send us an email or book a consultation via our internet bank to the nearest „Swedbank“ branch.

You will find information about the procedure of claim settlement and answers to the applicants' questions.

In case of any doubt in our answer, you always have the right to apply to the Supervision Service of the Bank of Lithuania: correspondence address: Žalgirio g. 90, LT-09303 Vilnius. The description of the detailed procedure of dispute settlement is available on the website of the Bank of Lithuania.

Valid from 18 December 2020

Fee Amount of the fee
Contribution fee Not applicable

Administration fee

The administration fee is discounted from the investment value of the agreement

1.25% annual fee.

A 10% discount applies when the cumulative investment value is > EUR 10,000.

The fee is calculated monthly on the investment value of the agreement and is deducted from the investment value of the agreement.
Guarantee fee 0.20% – annual fee. The fee is calculated monthly on the amount of the guarantee and is deducted from the investment value of the agreement.
Risk fee 2.50% – monthly fee, up to a maximum of EUR 2.50. The fee is calculated each month on the amount of the monthly contribution (the risk fee applies to a maximum contribution of EUR 100/month).
Agreement termination fee

1.0%, but not more than EUR 50.

The fee is waived 5 years after the date of conclusion of the agreement.

The fee is calculated on the investment value of the agreement and is deducted from the investment value of the agreement.
Fee on the payment of the share of the investment value

1.0%, but not less than EUR 20.

The fee is waived 5 years after the date of conclusion of the agreement.

The fee is calculated on the investment value of the agreement and is deducted from the investment value of the agreement.

After the payment of the investment value portion, the remaining investment value of the agreement must not be less than EUR 300.

During the term of the agreement, the company reserves the right to modify the standard fees for the management of the agreement in accordance with the rules.

Further information on the payment of insurance premiums
  • Watch a brief instruction on how to pay an additional insurance premium to the "Savings for Child’s Future" if the agreement has been concluded by a person other than you.


  • Important! When paying an additional insurance premium, you must indicate your personal identification number.
  • Please note that when an insurance premium is paid by a person other than the person who has concluded the agreement, this premium will not be subject to the Personal Income Tax rebate and will not be included in the calculation of the respective tax refund. Further information of the tax rebate is available here.
Anti-bullying Service - designed to provide support for parents and their children in case of a bullying event that has happened in or outside school or on digital platforms.
The Anti-bullying service in Lithuania provides by the foundation “Fonds PLECS” by involving VŠĮ KULTIVUOTI and specialist(s) selected by the foundation and is available to customers who have concluded the life insurance contract types specified here for children living in the same household. Conflicts between children or adolescents can happen. Certain types of abusive relationships between children are called bullying and can result in greater stress, mental health problems and worse future prospects. Sometimes bullying can even endanger the child’s health or life. The service provides personalised support aimed at strengthening children’s conflict resolution skills and mental self-regulation in case of a bullying event. Swedbank is committed to support United Nations Sustainable Development Goals. Anti-bullying service may contribute to the following of these goals - Good health and well-being, Quality education, and Peace, justice and strong institutions.
  • The service is available for both families and children who are experiencing bullying and families whose child is the offender in cases where parents are willing to solve their children´s offensive behaviour.
  • Available for children aged 6-17 (inclusive).
  • The customer is not charged anything extra for the service.

Find out more about what is bullying and the Anti-bullying Service here.

  • Parents get an assessment of whether the incident is bullying or a conflict.
  • Specific steps for parents to take immediately.
  • Individualised specialist support.
  • Practical tips if not bullying.
  • Quick response in critical cases.
  • Service expenses are covered.

Before applying for the service make sure that:

  • your insurance contract and insurance covers are valid when bullying has happened;
  • last incident has happened no more than 3 months ago.

Report here. There you have to:

  • register yourself and children;
  • provide case* details about bullying.

*Assessment of the case will be handled by Fonds Plecs.

What is sustainability in saving for a child's future by choosing a unit-linked life insurance? First of all, it is a conscious choice to invest in industries and companies that operate sustainably.
The integration of sustainability risks into investment-decision processes is critical to for a greater chance of a long-term return on investments. The sustainability assessment of enterprises includes the following criteria:

  • CO2 emissions
  • Pollution, waste
  • Energy consumption
  • Water consumption
  • Consumption of other resources
  • Employee health and well-being
  • Fair remuneration
  • Human rights and equal opportunities
  • Product safety
  • Value for communities
  • Business ethics
  • Transparency
  • Anti-corruption
  • Accountability
  • Data protection
  • Clear structure
  • Accumulation in a unit-linked life insurance for child’s future promote E/S characteristics by investing in companies which help to attain the UN Sustainable Development Goals, refraining from investing in harmful industries or in companies which breaches of international norms.
  • For more information on the sustainability characteristics of this product, please refer to the Sustainability-related disclosures. Sustainability-related disclosures.
  • For more information on annual performance of the sustainability characteristics of this product, please refer to periodic report: 2023 report.

Statement on principal adverse impacts of investment decisions on sustainability factors

Investors are actively directing money to sustainable investments.

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Source: International Institute for Sustainable Developments

A man and a woman on the smartphone reads information about sustainability

Let’s take a sustainable step – for the benefit of all

Do something nice for yourself – start saving in 3rd pillar pension funds.

Private Portfolio is for people who appreciate their time and convenience in making investments.

A convenient way of investing the spare money in a diversified and sustainable manner.

Take stock of your financial health and get useful insights and advice.

Savings for Child’s Future is a unit-linked life insurance service provided by Swedbank Life Insurance SE Lithuania Branch through its representative Swedbank, AB.

Savings for Child’s Future 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

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