Risk insurance Tailored to your life rhythm

This insurance consists of the following risks, which can be selected based on your or your family members' life rhythm.

• Life and accidental death insurance – to cover financial obligations or other expenses after the loss of life due to illness, accident, or other causes specified in the insurance conditions.
• Accident injury insurance – to cover medical treatment, recovery, and other necessary expenses specified in the insurance conditions after an accident.
• Disability due to an accident insurance – to cover rehabilitation, prosthetics, or home adjustments after a severe injury.
• Total and permanent disability insurance – to cover expenses such as housing adjustments, necessary orthopedic equipment, and other costs specified in the insurance conditions.
• Critical illness insurance – to cover treatment, medication, rehabilitation costs, or both short-term and long-term commitments related to complex illnesses.
• Temporary disability due to critical illness insurance – to cover lost income when receiving treatment in a healthcare facility or on sick leave while recovering from a critical illness. Daily benefits are also paid if there is a need to care for a minor insured suffering from a critical illness.

Adults can choose from the entire list of coverage options, while minors in the family are eligible for accident trauma (new extended trauma table for minors), accident disability (major injuries), critical illness, as well as hospital and daily allowances paid for them.

Since this is a life insurance contract, the only requirement is that at least one adult insured person selects life insurance coverage. You can choose all other coverage options based on your or your family's needs and lifestyle. Feel free to select as many or as few risks as you'd like to cover for each family member, whether it's a single risk or multiple risks. The only minimum requirement for the contract is life insurance coverage for at least one adult.

The insurance contract is made for at least one year, but it can be extended for a longer period right from the start.

It’s important to note that the insured person’s health is assessed each time an insurance contract is made. Therefore, if you choose a short-term insurance option and it expires, the new insurance may be unavailable or limited due to any newly acquired illnesses or health issues.

No, the Tailored to Your Life Rhythm risk insurance is not a savings policy. It provides coverage to ensure that in the event of insured events, insurance payouts are made, which can be used for recovery or other financial expenses.

The cost of insurance depends on the coverage option, sum insured, the insured person's age, occupation, type of professional or other activities, high-risk pursuits, health condition, and other factors. A family policy can be arranged at a price that suits you.

The terms of this insurance can be changed as many times as needed, and we will make all changes free of charge.

The insurance can be purchased by individuals or families consisting of one or two adults and/or one, two, or three children (up to 18 years old).

Adults typically bear the responsibility of supporting their families, earning income, paying bills, and covering both essential and additional expenses. Many families today also have home loans or other forms of debt. When life changes or financial difficulties arise, existing obligations don’t disappear. That’s why having coverage to ease the financial strain during challenging times is essential, protecting against unexpected life events.

Each family has unique needs and financial responsibilities, so life insurance sums can differ. It is also possible to insure one person for a higher amount or split the financial responsibility equally among the adult family members.

Yes, it’s recommended that the insurance amount be at least equal to the mortgage balance. If the loan is taken with a co-borrower, both can be insured, with the insurance sum split between them.

If you have a mortgage, it's a good idea to consider adding not only life insurance to the risk coverage but also protection for disability or critical illness, which could impact your financial situation.

Life insurance coverage includes almost all causes of death, except for exclusions. The likelihood of death resulting from an accident is lower, which is why accident death coverage tends to be less expensive than life insurance.

If a client chooses both life insurance and accident death coverage, both insurance amounts may be paid out in the event of a claim.

If you choose to include critical illness coverage (extended list of critical illnesses) for an adult, free critical illness protection is automatically provided for their minor children (insured under the same policy), which may reach up to 20 000 EUR, depending on the selected coverage amount.

In the Tailored to Your Life Rhythm risk insurance, the list of accident-related injuries for minors has been expanded to include even minor injuries, for which a payout would be provided to cover the child's treatment. Insurance benefits cover stitched and non-stitched wounds, abrasions, ligament strains, burns, or even up to two payouts if the injury occurs during a camp. Understanding how quickly minors' needs can change, we have decided not to assess their risk due to high-risk activities.