Protect your family, your income and your business against life's uncertainties
In the event of premature death, your family must be able to maintain their standard of living and meet their financial obligations. Death insurance guarantees the payment of a lump sum or annuity to the beneficiaries you designate.
Coverage for a fixed period (e.g. 10, 15 or 20 years). Ideal for protecting loan repayments or guaranteeing income for your family during critical years. Fixed premium, guaranteed capital.
The capital is guaranteed regardless of when death occurs. The preferred solution for estate planning: anticipating inheritance taxes, transferring assets or protecting a spouse without time limits.
Guarantees the repayment of your outstanding mortgage balance in the event of death. Mandatory or strongly recommended protection for any property purchase, for you and your co-borrower.
Premiums paid under long-term savings schemes may be tax-deductible (30% tax reduction on a maximum of €2,450/year). experlife analyses your situation to maximise the tax benefit.
As an independent business owner, an inability to work — even temporary — can have severe financial consequences. Disability insurance guarantees a replacement income as soon as you can no longer carry out your professional activity.
Monthly benefit paid in the event of complete work stoppage due to illness or accident. Starts after the agreed waiting period (excess).
Lump sum or annuity paid in the event of permanent, partial or total disability. The degree of disability is assessed according to the contractual definition (own occupation or any occupation).
The most favourable guarantee: compensation is due as soon as you can no longer carry out your specific activity, even if you could theoretically perform another profession.
Annual adjustment of benefits for inflation, hospitalisation, convalescence costs, professional retraining. Each guarantee is adjustable according to your budget and situation.
As a business owner, you are often the indispensable resource of your company. If you become unable to work, the entire turnover is at risk — fixed costs, loans, salaries, obligations. This insurance protects the financial continuity of your business.
The company receives a monthly benefit to cover fixed costs (rent, salaries, leasing, supplies) even in the complete absence of the business owner. The activity can continue during convalescence.
The benefit can finance the recruitment and remuneration of an interim manager or qualified replacement. Your business remains operational during your absence.
If your company is repaying business loans, a work stoppage may jeopardise these commitments. The insurance covers loan instalments, avoiding any risk of default.
experlife analyses your overall situation and proposes coverage tailored to your profile as an independent business owner.
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