Our services:
- PAYMENT OF A DEATH BENEFIT TO THE SURVIVING DEPENDANTS OF THE POLICYHOLDER
- PAYMENT OF AN AGREED CAPITAL SUM ON EXPIRY OF THE CONTRACT
- POSSIBILITY OF ANNUITIZING THE CAPITAL
- INSURANCE AGAINST OCCUPATIONAL DISABILITY OR SERIOUS ILLNESS (ADDITIONAL OPTIONS)
Life insurance
Life insurance is a form of risk protection and belongs to personal insurance. It provides the policyholder and his family with additional financial protection in the event that he is affected by unforeseen events.
The purpose of life insurance is to provide financial security and stability and, in the event of a loss, to help minimize the financial burden.
Pure term life insurance policies must be distinguished from endowment life insurance policies. While term life insurance policies only pay out in the event of the death of the insured person, endowment policies also serve in particular to provide cover for old age, as they also pay out in the event of survival on a defined expiration date in a lump sum or in the form of monthly pension payments. Cover for disability, the need for long-term care and incapacity for work also fall into the group of life insurance policies and are covered by occupational disability insurance, for example.
Typical examples of damage
- Death of the policyholder:
In the event of the policyholder's death, an agreed death benefit is paid out to the surviving dependants. This sum can be used to settle outstanding bills or loans and secure their livelihood. - Occupational disability:
If the policyholder is no longer able to work due to illness or accident, they receive an occupational disability pension from the insurance company. This helps them to cover their living expenses and running costs. - Serious illness:
If the policyholder suffers from a serious illness that prevents him from practicing his profession, he can draw an agreed lump sum from the insurance. This sum can be used to finance medical treatment or rehabilitation
Life insurance is suitable for people who want to protect their family and themselves against financial risks, especially if the family is dependent on the policyholder's income. Ideally, life insurance is combined with occupational disability insurance to create a comprehensive safety net.
Occupational disability insurance provides protection in the event that the policyholder is no longer able to perform his or her job due to illness or an accident. A monthly pension is paid to compensate for the loss of earnings.
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personal
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Risk analysis
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Advice on mechanical and electronic security measures for loss prevention
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