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Insurance Growth Continues

Risk Life
insurance

Up-to-date background knowledge: According to the 2024 Allianz Global Insurance Report, the global insurance industry grew by an estimated 7.5% in 2023 and is ever increasing, despite the backdrop of high inflation. Risk life insurance still remains the largest segment.

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Key facts

Although the relevance of life insurance has dropped over the last decade and yet has to recover from the era of ultra-low interest rates, Western Europe is still the second largest market for life insurance in the world after Asia, with Germany coming in at 5th place after Spain, the UK, France and Italy. Since 2022 the market for life insurance has been on the rise again; the product is still a choice for many and remains a popular investment.* We are equipped and happy to advise on this complex topic.

Life insurance as a product

There are various features of a life insurance, which may be selected as additional features to suit your individual needs and prognosis. Sometimes fate simply occurs and sometimes forward thinking can prevent major financial tragedies, in the case of emergencies.

Risk Life Coverage:
Protection of your family and children from the financial consequences of a stroke of fate (i.e. you fall ill in the long-run)

Loss of Life Coverage:
A lump sum death-benefit is agreed upon and can be paid out to your family should your life terminate

Pays for your medical expenses

Pays for home care

Covers daily expenses

Pays for your rent and loans (if any)

Avoids spending your savings or incurring debt

Some of the financial features subject to provider

Benefit

Investing in the future

As an investment in your future, we offer you providers who are experts at accruing interest. When you invest capital, your aim will be to build that capital. Makes sense! We can source the right partner for you.

Benefit

Dynamics

You can build in a premium ‘pay-breaks’ when unemployed/unable to work

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Financial flexibility

Lump sums can be adapted without further medical approval from a GP

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Flexibility

Family members/partners can be insured ex-post even after you’ve closed a life insurance deal

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Adaptability

You have the option to extend the duration of your insurance at any given time

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Access

Prior access to your funds in the case of terminal illness

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Pension

Your life insurance can be transformed into a type of pension plan or money to take care of your relatives, in the case of death

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Expertise

we are tax-savvy and can advise you accordingly when it comes to paying out the lump sum