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IKE - Indywidualne Konto Emerytalne Specjalnie dla Ciebie 

Individual Pension Account
IKE  just for you - excluded from sale

Your pension

Why choose IKE Just For You 

Your benefits
  • No 19% capital gains tax on pension payments
  • Possibility of making contributions above the statutory limits into a free access account – surplus savings are taxed with capital gains tax
  • Possibility of withdrawing from the free access account 

Check what IKE will provide you with in terms of life insurance

A simple way to raise extra money for your retirement, no capital gains tax when paying out your pension

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IKE

just for you 
Savings
with the possibility to take advantage of tax relief 
Tax benefits on pension payment
no 19% capital gains tax on pension payment
IKE account
Free access account
Partial payments

Do you need this insurance as a pension solution? 

Good to know 

IKE Specjalnie dla Ciebie will help you easily raise extra money for your retirement. Under this insurance, we will open two accounts for you to collect savings.

The main IKE account will accumulate money up to the statutory limit. Pension payments from this account are not subject to capital gains tax.

In the Free Access Account (FAA) we will deposit excess savings over the annual IPA limit, 10% of each regular contribution paid and ad hoc contributions. You have access to these funds at all times. Withdrawal from this account is subject to capital gains tax.

Fast and simple claims process

How to make a claim

Something happens that is covered by your insurance.  Check the general terms and conditions of your insurance to see what documents you will need to submit a claim.
Fill in the electronic form and attach the required documents. If you give us your phone number and e-mail, we can handle your case faster.
Check the status of your case. You can do it by e-mail or by phone – be sure to provide the claim number.

Do you want to file a claim?

Frequently asked questions about IKE specjalnie dla Ciebie

IKE Specjalnie dla Ciebie benefits include: 

  • high flexibility of payments thanks to the FAA account, 
  • automatic transfer of funds from FAA to IKE – we replenish your IPA up to the maximum limit set in the given calendar year and maximize your tax benefits, 
  • minimum formalities when concluding the contract: health questionnaires or medical examinations, 
  • access to a wide range of Allianz insurance capital funds.
This is an insurance product for those who want to save for their retirement with the benefits of an IKE and at the same time want to save more than IKE limits indicate. The IPA product makes it possible thanks to the free access account (FAA).
Thanks to the unique structure (two accounts: IKE and FAA) you can put aside any amount you like – you are not limited by the statutory limit for IPA deposits. At the same time, we apply automatic transfer of funds from FAA to IKE. This means that we automatically top up your IKE account up to the maximum limit set in the given calendar year and thus maximise your tax benefits. 

You can withdraw money you have accumulated in your free access account at any time. You will pay capital gains tax on these payments.

Withdrawal from the basic IKE account is possible at the end of the insurance period and will be exempt from capital gains tax.

The necessary condition is that the account holder must be over the age of 60 or 55 (if they have already acquired pension rights) and:

  • have made payments into the IPA at least in any 5 calendar years, or  
  • more than half of the value was paid in no later than 5 years before the date of the policyholder's application for payment.

Do you need help?

You can take care of many issues online at your convenience. Submit form. We'll let you know when it has been done.
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This material is for informational purposes only, it is intended to provide a general outline of the nature and scope of the aforementioned insurance and does not constitute an offer within the definition of Article 66 § 1 of the Civil Code. The detailed scope and terms and conditions of the above mentioned insurance are regulated by the general terms and conditions of insurance with attachments (available in the Documents for Insurance tab), in which you will find provisions concerning, among others, premiums, scope of insurance, limitations and exclusions of liability of TU Allianz Życie Polska S.A.  and the conditions of payouts and rules for calculating insurance benefits.