Term Life Insurance
Protect your family with high coverage at a low premium
Our term life insurance protects the people you love most and provides high coverage for a very affordable premium. It covers exclusively the risk of death, making it especially recommended for young families and to secure mortgage loans.
Benefits of this insurance
Your beneficiaries receive the sum insured agreed in the contract.
You can increase the sum insured for certain life events (marriage, children, mortgage) without a new health assessment.
You do not need to disclose if you start smoking during the term of the contract.
If the covered risk decreases (for example, the associated mortgage is paid off), your premium may be reduced.
Coverage comparison
| Basic | Plus | Premium | |
|---|---|---|---|
| Lump-sum benefit in case of death | |||
| Increase of sum insured without medical exam for life events | |||
| No obligation to report if you start smoking | |||
| Reduced premium when risk decreases |
What is covered
Death of the insured
In the event of death during the term of the contract, the sum insured is paid to the designated beneficiaries.
Extended coverage for partner and children
For a small additional premium, you can extend coverage to your partner and children.
Cross insurance between partners
Two people can insure each other, which can provide inheritance tax advantages.
What is not covered
Survival at maturity
If the insured person survives the contracted term, no payment is made; the insurance covers exclusively the risk of death.
Death from excluded causes
Depending on the contract terms, certain causes of death in the first months may be excluded or limited.
Real claim examples
Protecting a family mortgage
A young couple takes out the policy when buying their home so that, in case of death of one of them, the mortgage is covered.
Security for young children
A father insures a sum equivalent to five times his gross annual salary to protect his children's future.
Frequently asked questions
What sum insured is recommended?
As a reference, three to five times the gross annual salary is recommended, depending on whether there are dependent children.
Is a medical exam required?
Generally yes, although if the insurance is linked to home financing, the exam is usually much simpler.
Can I increase the coverage later?
Yes, many plans allow you to increase the sum insured without a new medical exam for events such as marriage, birth of a child, or home purchase.
Are there tax advantages?
Premiums can be declared as provision expenses in the tax return, and there is no insurance tax. The benefit is subject to inheritance tax, though with significant exemptions.
Want to financially protect your family?
Tell us about your situation and we will help you calculate the right coverage for you.
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