Life insurance in savings

Private pension combined with life insurance

““Today for tomorrow” is a way of saving (an investment) in the long-term to insure enough incomes for a private pension apart from state pensions. In cases of misfortunes throughout the insurance period, your family member will automatically benefit the full amount, at the moment when the misfortune will happen regardless of the paid instalments.

Example**
Male 35 years old

Primi Vjetor	Shuma e siguruar (Lekë)*
(Lekë)	10 vjet	15 vjet	20 vjet
50,000	514,800	847,019	1,224,676
70,000	720,720	1,185,826	1,714,546
100,000	1,029,599	1,694,038	2,449,351

Note:

Note: *The insured amount in the guaranteed contract, whereas the profitable maturing amount might be higher depending on the incomes and investment funds at your availability. **In the above mentioned example, the data provided are indicative and in specific cases they change depending on the contract’s conditions.
***According to the customer’s requests and needs, life insurance in savings can be offered combined with disability pension due to accidents.

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Saving deposit for children combined with parents’ life insurance.

“Today for tomorrow” a way of saving (an investment) in the long-term to insure enough incomes for a private pension extra to the state pensions. In cases of misfortunes throughout the insurance period, your family member will automatically benefit the full amount, at the moment when the misfortune has happened regardless of the paid instalments.

Example**

Father 32 years old

Mother 27 years old

Primi Vjetor	Shuma e siguruar (Lekë)*
(Lekë)	10 vjet	15 vjet	20 vjet
50,000	513,085	842,578	1,216,098
100,000	1,026,170	1,185,826	2,432,195
150,000	1,539,255	2,527,733	3,648,293

Note:

*The insured amount in the guaranteed contract, whereas the profitable maturing amount might be higher depending on the incomes and investment funds at your availability. **In the above mentioned example, the data provided are indicative and in specific cases they change depending on the contract’s conditions.
***According to the customer’s requests and needs, life insurance in savings can be offered combined with disability pension due to accidents.

Sigurim i jetes me kursim

Kushtet e përgjithshme

Kushtet plotësuese

Formulari i aplikimit

Informacion për taksa e tatime

It is a combined life insurance of the employee with an investment / a saving deposit by the employer. .

• Employee’s saving deposit where the contributions are paid by the employer.
• If the employer stays at work for all the agreed period at the end of the time period he/she will benefit the full contributed amount during the years by the employer. On the contrary, the employer benefits the saved deposit according to the contract specifications which can be used for other employees according to the business interests.
• According to the Law No. 364, dated 16.12.2010 “On taxation of incomes”, life and health insurance expenses will be considered as deductible expenses.

Note:

*According to the customers’ requests and needs, life insurance in savings can be offered combined with disability insurance by accidents.

Sigurim i jetes me kursim

Kushtet e përgjithshme

Kushtet plotësuese

Formulari i aplikimit

Informacion për taksa e tatime