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Death benefits insurance

How would your loved ones be protected? Death benefits insurance protects your loved ones and business partners from financial difficulties with a guaranteed lump sum payout.

Benefits
Image Not Found Financial security for your loved ones
Image Not Found Direct payment to beneficiaries
Image Not Found Premium stays the same during term
Image Not Found Free choice of sum insured
Overall rating
4.3/5
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of reviews

How death benefits insurance works

Our death benefits insurance can be taken out either with a constant or decreasing sum insured. For even greater protection, you can also choose from a number of optional add-ons. Speak with one of our experts for personalised advice. Or simply conclude death benefits insurance online.

Your benefits

Maximum protection in the event of death

To keep things manageable for those left behind.

  • Financial security for your loved ones
  • Advance death benefits withdrawal – add for free now
  • Protect your mortgage
  • Supplementary benefits to meet your personal needs
  • Tax advantages: saving under pillar 3
Continuation of your business

Financial protection for business partners.

  • Choice of sum insured
  • Instant release of funds to business
  • Repay loans and maintain liquidity

Death benefits insurance at a glance

Coverage types

Lump sum death benefit

Supplementary benefits

Insurance options

Constant sum insured

Decreasing sum insured

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Personal pension consultation for you

For an analysis of your situation and personalised quotes.

Coverage types in detail

In brief

  • Protection for your family members
  • Secure lump sum death benefit
  • Free choice of sum insured
  • Direct payment to beneficiaries

Lump sum death benefit 
Our death benefits insurance will protect your loved ones and business partners with a guaranteed lump sum benefit payout in the event you should die. Plus, you can choose the sum to insure and the benefit will be paid out directly to your surviving dependants.  

 

Loans and mortgages 
The lump sum death benefit can be used as collateral for loans or mortgages, because it can be used to pay off the remaining debt. If anything happens to you, your family members or business partners will enjoy financial protection thanks to the guaranteed lump sum death benefit.

In brief

  • Premium exemption
  • Pension for loss of earning capacity
  • Lump sum in the event of accidental death

Supplementary benefits  
If you want to, you can add additional coverage to your death benefits insurance policy. This ensures that you have even more comprehensive protection for certain events. For example, you might want to insure your personal income in the event that you are no longer able to work.

 

Optional add-ons at a glance 

  • Premium exemption: If you experience a loss of earning capacity, we’ll continue paying the premium for your death benefits insurance. 
  • Pension for loss of earning capacity: If you become unable to work because of illness or accident, we’ll pay you a regular pension. In a worst-case scenario, this will be a tremendous financial relief. 

In brief

  • Lump-sum death benefit remains the same
  • Suitable for first mortgages or loans Option
  • Option to draw lump sum death benefit in advance

Constant sum insured
The insured sum remains unchanged throughout the term. Suitable as financial protection for loved ones or business partners. Payment will be made directly to your beneficiaries. You choose the insured sum.

 

When this option is perfect

  • If you have a first-time mortgage that you are not going to pay off.
  • If you are not having to make regular debt repayments.
  • If you have taken out business loans for your own business.

 

Advance lump sum death benefits
With this insurance variant, you can add the option of withdrawing your death benefits early. If your life expectancy is less than twelve months – e.g. because of an incurable disease – you can withdraw your lump-sum death benefit there and then. This allows you to decide what to do with your money while you are still alive. To take advantage of this option, please contact one of our advisors.

In brief

  • Lump sum death benefit reduced yearly
  • Perfect for second mortgages
  • Or loans you are paying off gradually
  • Perfect for second mortgages

Decreasing sum insured 
An insured sum that is lowered each year is a good option if your financial commitments are also reducing over time. Death benefits insurance that lowers yearly can ensure that your children’s financial needs are covered until they are financially independent.

 

When this option is perfect

  • If you have a second mortgage that you are gradually paying off.
  • During your children’s education and until they become financially independent.
  • If you are gradually paying off your debt.

Practical examples

Protect your loved ones in a worst-case scenario.

Customer opinions

Saad T. 29.06.2024
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Jose Andres C. 28.06.2024
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Mateusz Jozef G 28.06.2024
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Mihai Alexandru 24.06.2024
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Mahalakshmi S. 18.06.2024
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Aref H. 17.06.2024
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Galam A. 14.06.2024
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Bruce B. 12.06.2024
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Paul Geoffrey J 11.06.2024
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Questions and answers

Report an insured event

Do you need to notify us of a death? We are here for you.

0800 881 882

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