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A more peaceful future starts today

Credit Life & Providenca Insurance

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A secure future doesn't happen by chance. It's planned.

Credit life Insurance

Protect your loved ones from financial burdens in unforeseen circumstances.

Insurance Terms:

  • Covers the outstanding loan debt in the event of death
  • Insurance term aligned with the loan repayment period
  • Prevents the transfer of debt to family members

 

Important Information:

  • Credit Life policy does not include a savings component
  • It is contracted together with a loan
  • A health declaration is an integral part of the application

Questions and Answers

1. What is Credit Life Insurance?

Term life insurance policy with decreasing insurance sum designed to secure loan repayment.

2. Which loans can be covered by this type of insurance?

Credit Life insurance can cover mortgage loans and cash loans.

3. Is there a difference in the loan interest rate if I purchase insurance?

No, purchasing Credit Life insurance does not affect the loan interest rate. The policy serves to cover the outstanding debt if the insured risk occurs.

4. How do I pay the insurance premium?

The agreed insurance premium is paid according to the insurer’s notification, in EUR or RSD.

5. Do I pay the insurance premium until the loan is fully repaid?

Yes, the insurance duration is aligned with the loan repayment period.

Providenca Insurance

Smart planning for a secure future.

Insurance Terms:

  • Benefit payment upon policy maturity (survival benefit)
  • Benefit payment in the event of accidental death
  • Optional coverage: disability, hospital daily allowance, surgical interventions, fractures, treatment abroad, and critical illnesses

 

Important Information:

  • Providenca includes a savings component
  • Benefits can be paid as a lump sum or in installments
  • No health declaration required

Questions and Answers

1. What is Providenca Insurance?

Life insurance covering accidental death and survival, with the possibility of receiving the insured sum in installments.

2. Up to what age can I purchase a policy?

Providenca can be purchased by individuals aged 14 to 70 and cannot extend beyond the insured person's 80th birthday.

3. How do I pay the insurance premium?

Premiums can be paid monthly, quarterly, semi-annually, or annually. The premium is calculated in EUR but may be paid in RSD at the NBS middle exchange rate on the payment date.

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