It’s time for a life plan!
Every day, life presents us with numerous challenges. Some we can respond to, but there are others, where we need assistance. Our services answer many dilemmas, making your future more secure and less uncertain.
These services are in the highest demand and can be obtained within endowment covers for one person. They cover the risk of death and the survival of insurance expiry.
Depending on your needs, you may opt for:
- Equal sum insured for both death risk and survival of insurance expiry (MY LIFE);
- Sum insured that is two times higher than the sum insured for survival of insurance expiry (MY LIFE +);
- In addition to standard insurance, you may choose to receive the protection against additional risks– accident insurance.
Together and Together +
Mutual endowment insurance provides insurance coverage for two persons in the event of death and/or survival of the insurance expiry. Upon insurance expiry under this policy, the sum insured is paid out to each insured person, in equal amounts, and in the event of death of one insured person, the total sum insured for death risk belongs to the other insured person. In the event that both insured persons die at the same time, the sum insured is paid out to the beneficiary or beneficiaries indicated in the policy or, if the beneficiary is not determined, to the legal heirs of the policyholder.
Depending on your needs, you may opt for:
- equal sum insured for both death risk and survival of insurance expiry (TOGETHER),
- sum insured that is two times higher than the sum insured for survival of insurance expiry (TOGETHER +),
In addition to standard insurance, you may choose to receive the protection against additional risks – accident insurance.
Our child
This policy provides you with guaranteed assurance that a predefined amount of money will be paid solely to your child, at the time when you feel that your child needs it most. It is intended for parents and grandparents and cousins who wish to make their contribution to the attainment of the child’s goals.
The best way to give your child the joy of life is to make sure that your child can rely on you in the future!
In addition to standard insurance, you may contract the protection against additional risks – accident insurance.
Savings – Extra plan and Extra plan +
This insurance cover is intended for persons who are notably interested in the savings component, for those who want to save and provide for financially comfortable future, and for the persons whose health does not qualify them to benefit from other life insurance services.
Within this service, there are two options to choose from:
- Life insurance in the event of survival of insurance expiry with the return of premium paid for the death risk of the insured during the insurance period (Extra Plan +),
- Life insurance in the event of survival of insurance expiry without the return of premium paid for the death risk of the insured during the insurance period (Extra Plan),
Since this insurance has a savings component, it is possible to contract additional protection in the form of supplementary covers which provide your family with full protection and safety in case of unwanted events – accident insurance.
Important questions
Who can take out this insurance policy?
This insurance covers the persons from 15 to 70 years of age, however, the insurance expiry may not occur after the calendar year in which the insured turns 75. When it comes to OUR CHILD insurance, this policy can be taken out by persons aged 15 through 65. EXSTRA PLAN insurance may cover all persons, regardless of their health, from birth till turning 81, where the insurance expiry may not occur after the calendar year in which the insured turns 85.
What is the insurance period?
This insurance may be concluded for the period of 5 to 25 years. In OUR CHILD COVER, the insurance period is period of 5 to 25 years, but the Insurer’s liability is predetermined in the insurance contract, regardless of the time when the insured event has occurred. In EXTRA PLAN insurance, insurance period depends on the agreed premium payment schedule: 4 to 25 years for a lump sum premium payment, or 8 to 25 years for annual premium payment.
Premium payment?
The amount of premium is determined by you, according to your financial means and future plans. Premium can be paid in accordance with your needs – in monthly, quarterly, semi-annual or annual instalments, or as a lump sum. For EXTRA PLAN insurance, premium is paid annually or as a lump sum in Dinars or EUR, whereas a minimum amount of annual premium is 200 EUR.
This text is for information only. More detailed information and a proposal tailored to your needs are available at all points of sale of the Company or by calling 0800 386 286 free of charge.
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