Life insurance
It protects you and the people who matter most to you. It gives your family financial support, helps secure your commitments and gives you peace of mind about the future.
The policy can be extended with additional packages covering, among other things, serious illness, a hospital stay or the consequences of an accident (personal accident cover). Some options also include assistance, which gives practical medical and organisational help in difficult situations.
We will match the sum insured and the scope of cover to your situation, your family's needs, your financial commitments and your plans.
Look after your own security and that of the people you care about.
The right cover starts with your needs
There are moments in life when it is worth thinking about extra protection.
Life insurance is especially worth considering when:
- You have a family and want to give them financial security.
- You are planning to buy a home or are paying off a mortgage.
- Your income is an important part of the household budget.
- You run your own business and are responsible not only for yourself but also for its obligations.
- You are changing jobs and losing your group insurance through work.
- You want financial protection in case of serious illness or long-term treatment.
- You already have a policy but are not sure its sum and scope still fit your situation.
A few questions to start with
To prepare the right offer, we need some information that lets us match the sum insured and the scope of cover to your situation, needs and plans.
What to prepare
- Who do you want to protect?Your partner, children, other family members, or perhaps also a business partner or your company? It helps to decide who should receive financial support if you die.
- What sum insured is right?It should reflect your commitments, your family's needs and the money that would let them keep their standard of living for a certain time.
- What situations should the cover include?Besides death, consider serious illness, inability to work, permanent injury or a hospital stay.
- How long do you need cover for?It may be the term of your mortgage, the time until your children are independent, or longer, including the years before retirement.
- Individual or group policy?Group insurance through work can be a good option, but it is worth checking its scope, sums insured and whether you can keep it after changing employer. An individual policy can be tailored to your own needs and commitments.
Frequently asked questions
The answers below are general. The details depend on your policy terms and the type of event, so we look at every case individually.
What is the difference between an individual and a group policy?
Group insurance is usually offered by an employer and gives cover on set terms. It can end when your employment ends. An individual policy is taken out directly with the insurer, and its scope and sum insured can be matched to your own needs.
Can the policy be assigned to a bank?
Yes. With a mortgage, the bank may require an assignment of rights under the life policy. This means that if the insured person dies, the bank can receive the benefit up to the outstanding debt, in line with the assignment terms. Any surplus may go to the beneficiaries.
Do I need a medical examination before taking out a policy?
Not always. In many cases a medical questionnaire about your health and history is enough. For higher sums insured, at certain ages, or if the questionnaire points to it, the insurer may ask for additional tests or consultations.
Other areas
Let's talk about what you want to protect
Call, email or leave a message in the form. We will get back to you to talk about how we can help.
Call+48 504 031 330