Riziko with declining insured sums
This is a type of risk insurance that serves exclusively to secure loans.
Key benefits
The insured sums are reduced so that they follow the remaining debt to the bank, according to the annuity plan.
In case of the death of the loan holder, the insurer directly settles all his obligations under the loan, in accordance with the annuity plan.
This insurance can be contracted for a maximum of 30 years, with a free premium in the last two years.
Why do I need Riziko insurance?
Life is unpredictable and can change in an instant. Suddenly, the family may be left without a loved one and without financial protection at the same time.
Requirements for Riziko insurance
The insured person can be from 14 to 74 years old
Insurance can be contracted for a minimum of 1 and a maximum of 0 years
In order to be admitted to the insurance, it is necessary to submit an electronic health record and answer the health questionnaire from the offer
Example
Riziko with declining insured sums
Age of the insured person | Duration of insurance | Sum insured | Insured sum (male) | Insured sum (female) | Interest rate |
|---|---|---|---|---|---|
35 years | 20 years | 40.000,00 € | 98,80 € | 47,03 € | 4.50% |
Why not make an investment only?
Putting money into investments does not get you life insurance. This means that if something were to happen to you, your family members would not receive financial compensation for the loss.
I can put money on savings account only?
If you have life insurance, then you are sure that your loved ones will receive the insured sum in case something happens to you. This is not the case with a bank savings account.
Find out more
Unfortunately, no.
The insured person can be from 14 to 74 years old.
Insurance can be contracted for a minimum of 1 and a maximum of 30 years.
Below you can download the insurance conditions that are currently in effect. For all previous versions of the insurance conditions, please contact us: office@wiener.co.me