Life sometimes brings joy and happiness, other times situations arise that we could do without. Many of these situations can be avoided by careful behavior, but there are events that are beyond our control. That is why it is important to be aware of your value and your responsibility, especially to your children and other family members, but also for your liabilities such as loans and mortgages, so it is important to choose the right insurance with risk coverage tailored to you.
The main purpose of life insurance is the protection of the insured person, risk life insurance, another reason for taking out life insurance can be a combination of money appreciation and insurance protection, then it is capital or investment insurance, most often contracts are negotiated by a combination of both.
With investment life insurance, the client has the opportunity to actively participate in the decision-making and management of his or her own funds. The premiums paid are converted into units at the current exchange rate and placed in various funds at the client’s discretion.
Endowment life insurance is used to create an annuity and, of course, also covers the risk of death. It is a combination of death benefit insurance and savings-investment. It is also possible to take out an amount for an annual pension, this would be an annuity.
It is important to take out life insurance early, as taking out life insurance at a later age may be more costly, or certain risks may be excluded (e.g. due to ill health).
Contributions paid can also be used as a tax deduction if the contract lasts for at least five years and is up to the client’s age 60.
We offer the following products:
ERGO accident insurance (long-term)
Sports accident insurance UNIQA (short-term)
Travel insurance to the Czech Republic (short-term, accident + liability + baggage package)
Insurance by length and destination:
Long-term accident insurance is paid annually and covers injuries during normal activities, work and sports.
short-term accident insurance can be used for a specific short-term activity (e.g. participation in a sporting event, on holiday, on a business trip) where there is a higher risk of injury; it is taken out in a single sum for a period of a few days to a few months
Death, disability or hospitalisation, for example. These are just some of the situations covered by life insurance. And even if it doesn’t restore your health, the best life insurance can help you deal with a difficult situation.
After all, that’s exactly its job. Thanks to it, you will get money for treatment and in the most serious cases, you can be sure that even after your death, your family will not be left without money.
Life insurance is also very variable. You can easily adjust its parameters at any time and adapt it to your situation. For example, if you have a child, you can easily add him or her to the policy. And if you’ve just taken out a mortgage, you can increase your life insurance immediately. This way, you can be sure that even in the event of an accident or illness, you’ll have the money to pay it back.
To make choosing a policy as easy as possible, we’ve put together a life insurance calculator. Simply fill in the necessary information and submit.