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Life insurance

  • Covers rehabilitation and other medical costs
  • Compensates for lost income during a period of incapacity for work
  • Financial security in case family loses their breadwinner
  • Ensures that your loan obligations are covered and not inherited

Insurer is SEB Life and Pension Baltic SE Estonian Branch.



people have concluded a life insurance agreement at SEB


in benefits per year


recommend our claims handling after a loss event


working days on average to receive the decision

According to SEB Life and Pension Baltic SE Estonian Branch data for 2023.

Five reasons to insure your life

Life insurance is a universal financial protection that is suitable from the age of 18. Look at the most common reasons for life insurance. If one or more of the reasons listed below resonate with you, you might consider life insurance.

  • You rent or own property for which you pay rent or a mortgage.
  • You have uninsured liabilities or loans: student loan, credit card debt, or small loan.
  • You have a partner, children, or family members who depend on you financially.
  • You are an entrepreneur. Being your own employer has both advantages and challenges. Life insurance provides financial security in case of accidents and illnesses. For example, a broken arm or leg.
  • You have a high-risk job or hobby. For example, firefighter, electrician, police officer, work in construction, or are a mountain climbing enthusiast.

SEB life insurance offers various solutions starting from 6.5 EUR per month. 
If you would like to have more information about life insurance or insurance coverages, contact us and we will help to find a suitable solution for you.

The monthly fee is based on the age entered above and is informative. The insurance offer is valid for you if you can provide the medical confirmations required at the time of concluding the agreement. Click ‘Select’ to see the detailed monthly fee and the required confirmations. By clicking on the ‘Accept’ button, you agree that SEB will use your age for the purposes of making the offer.

The insurer is the Estonian branch of SEB Life and Pension Baltic SE. Please read the terms and conditions of insurance before signing an agreement. If you have any further questions, please call 665 8020.

Insurance covers

Life insurance cover

In case of the death of the insured person, the beneficiary will receive an insurance benefit in the amount of the sum insured. Insurance cover is terminated upon the insured person turning 71.

Critical illness cover

The insured person will be compensated in the amount of the sum insured if they are diagnosed with one of the listed illnesses, like heart attack, stroke, malignant tumour, kidney failure, etc.

Accidental disability insurance cover

The insured person receives insurance benefit for the loss of a bodily function caused by an accident. The amount of the indemnity depends on the severity of the injury – for example, the loss of a thumb is 20% and the loss of vision is 100% of the sum insured.

Accidental daily allowance insurance cover

The insured person receives a certain daily allowance for each day of incapacity for work if it has occurred as a result of an accident and lasts at least 14 days.

Accidental death cover

A family member receives indemnity for the entire sum insured if the insured person dies as a result of an accident.

In case of an insured event

  • Fill in a claim application
  • Submit the required documents
  • Receive the benefit

Do you need help with life and health insurance?

  • Our advisors will help find a suitable solution
  • We have a dedicated team of professionals you can trust
  • Convenient video meeting

Sign up for a consultation