Poste Italiane’s Formula Bonus: A Long-Term Investment with Immediate Benefits

Poste Italiane has introduced the Formula Bonus, a multi-year insurance product designed for individuals seeking a secure investment with potential returns. This offering targets those with new liquidity and a long-term financial planning horizon.

What is the Poste Formula Bonus?

The Poste Formula Bonus is a multi-line insurance policy that provides an immediate bonus upon subscription, based on the single premium paid. The bonus can range from 2% to 5%, offering an immediate increase to the invested capital.

Eligibility and Investment Amounts

The Formula Bonus is available to individuals aged 18 to 80 who wish to invest funds originating from current accounts or deposits held outside of Poste Italiane’s Bancoposta division. The minimum investment is €25,000, with a potential maximum of €2,500,000.

How the Bonus Works

The bonus is calculated as a percentage of the initial premium and is immediately available. However, if the policy is surrendered (fully or partially) within the first six years, Poste Italiane will reclaim the bonus amount. After six years, there are no additional costs associated with redemption.

Additional Payments

Policyholders can make additional payments to increase their invested capital. Payments made at a Poste Italiane office start at €5,000, even as online payments through the Reserved Area begin at €500 (up to a maximum of €15,000).

Additional Benefits

• Health Protection: A complimentary policy providing protection against serious illness is included up to the age of 69.
• Tax Advantages: The policy offers exemption from stamp duty and inheritance tax on the portion invested in Branch I.

Investment Structure

The Poste Formula Bonus combines two investment approaches:

• Gestione Separata Poste Vita Valore Solidità: This guarantees the invested premium at maturity.
• Fondo interno assicurativo Poste Vita Obiettivo Crescita: This aims to diversify capital and seek optimal returns.

How to Subscribe

Interested individuals can subscribe to the Poste Formula Bonus by visiting a Poste Italiane office with identification and a tax code. Alternatively, appointments can be scheduled online or via phone consultation.

A Long-Term Financial Choice

The Poste Formula Bonus presents a long-term investment opportunity with the potential for immediate returns and added benefits. It offers a way to protect capital and plan for the future in a low-risk environment.