Risk insurance increases the material security of your family in case of the death of the provider. Risk insurance gives you the opportunity to ensure the well-being of your close ones when you are no longer able to do so yourself.
1 | 2 | 3 | 4 |
---|
With risk insurance you take responsibility for the future and well-being of your close ones. Risk insurance is term life insurance, with the agreed sum insured paid out in the event of your death.
It is partculartly important to insure your life when you are a sole or main provider in your family, or when you have people who depend on you. Buying life insurance is also more relevant when people have dangerous jobs or hobbies.
With risk insurance, beneficiareis can spend the sum insured at their discretion. It should compensate insured person’s income for some time, or cover any expenses related to the insured person’s death. If necessary, it can also help cover financial obligations, such as home loan, car leasing, credit cards, consumer loan, etc.
Risk insurance can include different insurance covers:
Life insurance term can be 1 to 30 years and age of the insured person at the end can be up to 70. The insurance premium is valid until the end of the period. The younger a person is upon conclusion, the smaller the insurance premium.
The recommended life inurance sum is 3–5 times the annual net income of the insured. This guarantees that family’s financial situation after an insured event will be more or less the same as before.
Payments for risk insurance contract are made according to an agreed schedule.
Beneficiaries, indicated in the contract, are paid the sum insured in case of an insured event. Appointing a beneficiary enables much quicker claim processing as there is no need to go through the inheritance process before applying for the benefit.
If you wish to amend your life insurance agreement or terminate it prematurely, please call the insurance line at 665 8020 or write to kindlustusleping@seb.ee.
Please read the terms and conditions of risk insurance before you sign the insurance contract.
General terms and conditions
Risk insurance terms and conditions
Risk insurance contracts can be concluded digitally.
With the help of an insurance specialist, you can find the most suitable solution via a video meeting without having to leave home. Sign up for a consultation
In case of an insured event, you can submit a claim for compensation through our website.
Tähelepanu! Teie veebilehtiseja ei vasta SEB kodulehe külastamiseks vajalikele nõuetele. Palun vahetage veebilehitsejat või seadet, millega te veebilehte sirvite.
Attention! Your web browser does not correspond to the requirements needed to visit SEB website. Please change web browser or device that you use for browsing the site.
Внимание! Ваш браузер не отвечает требованиям, необходимым для посещения сайта SEB. Просим поменять браузер или устройство, при помощи которого вы производите поиск в браузере.