Protect yourself and your loved ones from financial hardship

Take care of your financial security and that of your loved ones: if your income is the main source of livelihood for your family or you have long-term financial obligations, insure your life!

Feel at ease – life insurance can help keep your family financially stable during difficult times.

This is financial protection in the event of an accident or death.

Why do you need to insure your life?

• To cover any loans or other financial obligations you have
• To provide for your children
• Because your family´s financial wellbeing also depends on your income

Life insurance (without accumulation)

Take care of your loved ones’ tomorrow

The main purpose of life insurance is to take care of a person’s financial well-being by insuring their most precious asset – their life and health. Such protection is particularly important to provide financial security for loved ones in the event of the loss of a wage-earner or other family member.

Benefits of an INVL Life life insurance contract for you:

• One of the smallest lists of non-insured events on the market.
• Amounts for additional insurance risks are not limited by the amount of the life insurance.
• Many changes to the insurance terms and conditions are free of charge. For example, changing the amount of coverage, adding additional coverage, or changing the beneficiary.
• The term of the insurance contract is up to the 70^th birthday of the insured.
• It’s quick and easy to conclude a contract, with the option of signing and monitoring it remotely.
• Insurance premiums are paid monthly. Each premium is calculated according to the age of the insured and the insurance risk.
• The life insurance benefit is not subject to personal income tax.

Why consider supplementary covers?
Supplementary covers cannot be taken without life insurance.

• Supplementary insurance for critical illness is a solution for those who do not have enough savings if they become seriously ill. The indemnity paid in the event of an insured event helps ensure financial security while recovering one’s health. You can use the insurance money for what your family needs most, be it long-term rehabilitation or specialist care, adapting the home to the needs of the sick or medicines that are not covered by the state health insurance.
• If there is additional protection for critical illnesses in life insurance, an illness caused by a coronavirus or its treatment (including a vaccine complication) that is on the list of critical illnesses will also be reimbursed.
• Accidents come without warning. Additional accident protection will help you in the event of disability or trauma, ensuring you can live a normal life at a time when you need to focus on your health instead of earning money.

Life insurance and savings

Take care of yourself and your loved ones tomorrow 

Unit-linked life insurance is designed to combine two aspects – saving money for future needs and life insurance – to take care of your own and your loved ones’ future.

In the event of an injury or serious illness, the insurance benefit would keep you more financially secure while you recover. If unforeseen difficulties arise, you will be able to withdraw some or all of your accumulated capital. That is particularly important protection for anyone who would like to ensure the wellbeing of loved ones in the event of the loss of a wage-earner or other family member.

Benefits of an INVL Life unit-linked life insurance contract for you:

• The insurance benefit for the death of the insured is not subject to personal income tax
• Periodic payments from as little as 30 euros a month.
• A wide choice of investment programmes.
• Insurance premiums can be paid by both natural and legal persons.
• The term of the insurance contract is up to the 80^th birthday of the insured.
• There can be more than one insured person in the contract.
• Tax benefits.

Advantages of investment insurance

• Flexible: makes it easy to save and adjust your contributions. You can save a larger amount all at once or a smaller amount regularly, and you can put your savings plan on hold if you wish. You can withdraw your savings at any time.
• Convenient: you can manage your savings and change investment products on our E-Life self-service environment.

Tax benefits: as our customer, you always invest under an insurance contract, which is a flexible and tax-smart choice. Income/capital gains tax is paid only on accrued returns. Investing in a 3^rd pillar pension scheme through a unit-linked life insurance contract allows you to obtain bigger tax benefits.

Critical illness insurance

Supplementary covers cannot be taken without life insurance.

A solution for those who would not have enough savings in the event of a serious illness. The benefit received would help ensure financial security during recovery.

Receiving a lump sum after a critical illness is diagnosed would give you more time to take care of your health. This is financial assistance that you can use for medication, treatment or rehabilitation.

If the event is recognized as insured, you will be paid the full critical illness insurance benefit selected in the insurance contract, which is not subject to personal income tax.

Accident insurance

Supplementary covers cannot be taken without life insurance.

Protection in the event of disability, injury or death due to an accident. For an injury or disability due to an accident, the benefit would help keep you financially secure until you recover, and in the event of death, it would provide additional support for your loved ones.

You can insure yourself against:

• accidental disability
• accidental trauma
• accidental death

Take care of your own and your loved ones’ tomorrow 

Accidents are easy to come by while exploring the everyday world, having fun and training. For such moments, it is natural if you as a parent want to support your child and offer them the best treatment and recovery options.

Pick the most suitable insurance for your child. You can choose whether you want additional life insurance coverage for your child for trauma, disability, or critical illness.

Why should you insure your child?

• Children are also at risk of accidents and critical illness.
• In the event of an injury or disability resulting from an accident, it is very important to start treatment and rehabilitation quickly, but the queues can be long for the free medical care provided by state. With the help of the insurance indemnity, you can go to a private doctor.
• For a critical illness, the child may need paid medical care or expensive medicines to recover quickly. The state usually covers the initial cost of treatment, but full treatment and recovery can be long and costly.
• You can use the insurance money for what the family needs most, be it long-term rehabilitation or special medical care, adaptation of the home to the needs of the child or medicines that are not covered by the state health insurance.

Benefits of INVL Life Children supplementary insurance cover:
Supplementary covers cannot be taken without life insurance. Children need to be included in an adult’s life insurance contract.

• Valid from 2 months to 26 years of age.
• Fixed cover price for the entire period, with risk assessment only at the conclusion of the contract.
• Long-term contracts do not need to be renewed every year.
• If the child starts training, the insurance premium and conditions will not change (except for professional sports).
• Flexible agreement: contract terms can be easily adapted to individual needs.
• Insurance application documents can be securely signed and submitted electronically.
• Life and supplementary insurance coverage is valid worldwide and 24 hours a day.