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life_insurance_bg

LIFE INSURANCE

FOR EVERYONE THINKING ABOUT THEIR RELATIVES

· For all people abroad· Cover capital up to $ 200 000· Simple reimbursement process· Age up to 74 y.o· We speak English, French,
  German, Italian, Thai, Russian
· Support 24/7

WHY PEOPLE CHOOSE LIFE INSURANCE

In the event of the death or total disability of insured, the family or designated person will receive a cash benefit for 10 years

Chose plan depends on the reason of death or total disability

BY SICKNESS

The Insured is considered to have a total and irreversible disability when he isn't able of earning, in any occupation, a salary greater than a third of the normal income received in the same region by workers of the same category, in the same occupation, and absolutely needs assistance from a third party to carry out any act of everyday life, such as to feed himself, dress, wash, be continent, move around.

BY ACCIDENT

Same than previously, but in case of accident which is arising from an abrupt, sudden or unexpected action of an external cause, except from an acute or chronic illness.

SICKNESS OR ACCIDENT

The Insured is considered to have a total and irreversible disability when he isn't able of earning, in any occupation, a salary greater than a third of the normal income received in the same region by workers of the same category, in the same occupation, and absolutely needs assistance from a third party to carry out any act of everyday life, such as to feed himself, dress, wash, be continent, move around.

    Everything is simple

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    The calculation result will be shown here

    LIFE AND PERSONAL ACCIDENT COVER

    -Beneficiaries in the event of the Insured's death
    The amount of cover in the event of death of the Insured becomes payable in order of
    preference:
    -To the spouse of the Insured if married and not legally separated,
    -Failing this, to the children of the Insured who have been born or are to be born, in equal
    shares,the share of the predeceased being transferred to their own children or to their
    brothers and sisters if there are no children,
    -Failing this, to the father and mother, in equal shares, or, to the survivor in the event of
    predeceased,
    -Failing this, to the legal heirs.
    At any time, the Insured may modify the above order and designate any individual or body
    corporate of their choice by notifying the Insurer by registered mail.
    When the personal designation is null and void or absent, the above arrangement shall
    apply.
    In the event of the death of an Insured person and of one or more designated beneficiaries
    in one and the same event without it being possible to determine the order of death or when
    the beneficiary dying after the Insured has not had the time to accept the benefit of the
    capital, the Insured is presumed to have survived for the determination of beneficiaries of the
    lump sum.
    -Permanent, total and irreversible disabilityLoss of both arms or both hands
    100%
    Scale of Permanent Disabilities (by Accident) Loss of speech
    100%
    Loss of one arm and one leg 100%
    Complete deafness of both ears, of traumatic origin 100%
    Removal of the lower jaw 100%
    Loss of one hand and one leg 100%
    Loss of both legs 100%
    Loss of both feet 100%
    - Choice of coverThis policy pays a monthly payroll for 10 years (120 months) in the event of
    death or total and irreversible disability of the Insured. The customer has two choices: by
    sickness or accident, he can take both. - Choice of levelThe choice is made by the Insured
    during his enrolment. He can choose the following levels: from 10,000 USD up to 200,000
    USD. It may be modified later. In the event of a change of situation or family dependents, the
    Insurer must be informed.
    -Monthly payroll on death or total and irreversible disability
    If the Insured dies before his/her 75th birthday, the designated beneficiary receives a
    monthly payroll, depending on the chosen formula.
    When the monthly payroll has started, the Insured shall no longer receive the death cover in
    case of total and irreversible disability.
    -The Insurer's assessment of declared claims
    In all circumstances, the Insurer reserves the right to assess, via a medical examination, the
    justification for the incapacity or disability of the Insured. For indemnity covers, proof of
    salaries is required.
    -Exclusions for the Personal and Accident cover
    -Any sickness or accident due to the intentional act of the insured person, intentional
    mutilation attempted suicide
    -Any criminal proceeding against the Insured, except if the Insured does not take an active
    part in the event
    -Any consequence of a civil or other war, insurrection or popular movement, except if the
    Insured Does not take an active part in the event
    -Any riot or strike, except if the Insured does not take an active part in the event
    -Any claim resulting directly or indirectly from the meltdown of an atomic core, or any
    radiation originating from ionizing radiation
    -Any claim resulting from any form of experimental or unsupervised treatment that does not
    follow commonly accepted, customary or conventional medical practice, unless specific
    consent has been given by the Insurer
    -Any claim resulting from any non-prescribed medication, and commonly used non-medical
    products such as medical alcohol, absorbent cotton, sun creams, dental hygiene products,
    dressings,shampoos etc.

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      GENERAL INFO



      CHILD, PARTNER, HUSBAND, SPOUSE

      Beneficiary for the Capital in case of Death or total disability

      1 BENEFICIARY:

      2 BENEFICIARY:

      3 BENEFICIARY:

      MEDICAL QUESTIONNAIRE






      MEDICAL PREEXISTING CONDITIONS (IF ANY): PAST OR PRESENT SICKNESS, PAST SURGERY, MEDICINE TAKEN

      CAPITAL, STARTING DATE, CURRENCY

      Life Insurance: Get the answers you're looking for

      Life and accident insurance gives you financial protection by paying a benefit to your beneficiary if you die and by paying you a benefit if you are seriously injured in an accident.

      Purchasing a life insurance policy is relevant even at the age of 20, because if, in the event of your death or disability, the financial burden will fall on another person, including your spouse, partner, children, parents, business partner...

      If you have questions about life insurance Contact us and we will be happy to answer you.

      Life insurance is one way to provide security if part or all of the family's income is cut off because of death. It can also provide funds to replace the services that a member of the family provides — child care, for example.

      Your 20s are the best time to buy affordable term life insurance coverage (even though you may not “need it”). Generally, when you're younger and healthier, you pose less risk to an insurer, which is why you're offered the most affordable rates.

      Before you buy a specific life insurance plan, you should answer some questions for yourself.

      • Find out how much coverage is right for you
      • Select policy type
      • Check coverage period
      • What payment mode
      • Read the terms of the policy
      • Clarify the nuances