Life insurance
Life insurance offers financial security and protection for the family in the event of death or disability. It secures the standard of living of family members and offers additional benefits such as tax benefits and retirement provision.
Security for surviving dependants and the future
Life insurance - what is it?
Life insurance offers more than just financial protection in the event of death - it is an essential component of retirement provision and financial security for your surviving dependants. With the right life insurance for you, you can ensure that your family is well provided for even in difficult times. At the same time, you can make provisions for your own future.
Facts & Figures
FAQs - We have the answers
We have summarized the most frequently asked questions about life insurance for you in our FAQ. However, our experts will also be happy to provide you with individual advice.
Life insurance offers important financial protection for surviving dependants and helps to compensate for loss of income, pay off debts or secure children's education. It can also be used as an instrument for retirement provision.
- Term life insurance: provides a death benefit to surviving dependants if the policyholder dies during the term of the policy
- Endowment insurance: combines death cover with a savings component that is paid out in old age
- Unit-linked life insurance: combines death cover with investment in funds, whereby the payout depends on the performance of the funds
Detailed information on health, occupation and hobbies is required when applying. A health check is usually required. Incorrect or incomplete information may result in the insurance cover being invalidated.
A subsequent insurance guarantee enables the policyholder to increase the sum insured without a new health check, e.g. in the event of certain life events such as marriage, the birth of a child or salary increases.
A premium waiver in the event of occupational disability means that the policyholder no longer has to pay premiums in the event of occupational disability, but the insurance remains in force.
Life insurance offers comprehensive protection for surviving dependents and can also serve as a retirement provision. Death benefit insurance is specifically designed to cover the costs of the funeral and usually offers a lower sum insured.
Yes, a life insurance policy can be used as collateral for a loan. In the event of the policyholder's death, the lender can access the sum insured to repay the outstanding loan.
Further insurance solutions
In addition to life insurance, we also offer numerous other insurance solutions that may be of interest to you.
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