Group life insurance

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Our clients obtain tangible results when they cooperate with us regarding group life insurance.

We possess huge potential. We are professionals.

Our department dealing with group life insurance serves over 200 business units and 40,000 insured persons. Therefore we possess knowledge and potential, thanks to which we are able to offer the most sophisticated insurance programs. We are a large and important partner for insurers and our clients benefit from that.

We offer tailor made insurance.

We offer only proprietary insurance programs, tailored to the individual needs of our clients and their employees. This insurance bears many benefits for our clients, their employees and key persons.

• Benefits for clients. Insurance premiums due to group life insurance may be paid by the employer in partial or full. In such cases group life insurance can be treated as an additional form of rewarding and motivating employees or key persons who are the most valuable for the employer. The insurance fee may be included in deductible costs.
• Benefits for employees. Employees gain a possibility to join an attractive insurance program with a wide insurance range and an appealing insurance premium. This kind of insurance is unattainable for individual persons. Employees are also given a possibility to insure their family members.
• Benefits for executive board members and key persons. Executive board members, supervisory board members and other key persons can obtain very attractive insurance with high insurance sums which shall secure them if an event covered with insurance protection occurs.

We offer a constant professional broker service.

Our employees are at your disposal both during the phase of negotiating insurance terms and conditions and while the insurance contract is binding. We also help in the implementation phase: prepare drafts of leaflets and informational materials for employees, carry out training and organizational meetings, and answer questions of our client’s employees concerning group life insurance. 

We help if damage occurs. In some cases we pay compensations ourselves.

Our clients can count on a professional claim service. If an event covered with insurance protection takes place we provide help which guarantees effective and quick compensation payment. In some cases we ourselves – on behalf of the insurer – pay compensation, which additionally accelerates the process of claims adjustment and makes our offer still more attractive (read more about it).

Kinds of group life insurance

We offer many different kinds of group life insurance as well as employee pension programs.

Group life insurance for employees.

The contracting party is here an employer, while employees and their families are insured. Insurance range can be adjusted to the employees’ needs. Insurance contact usually involves risk of death of the insured person and their co-insured family members as well as consequences of accidents, illnesses and birth of a child. This insurance can be complemented by group casualty insurance.

Group and individual insurance for executive board members.

This insurance targets so called key persons – members of executive and supervisory boards, corporate business partners, key managers and specialists. It is characterized by high insurance sums.

Group casualty insurance.

It can function independently or as completion of group life insurance for employees.  This product aims to provide financial security for employees if misfortune happens.

Group health insurance.

This insurance enables access to health care in medical centres providing an enhanced level of services concerning basic health care, medicine, ambulatory and hospital care. Services which the insured person obtains are free of charge and performed in the medical centres indicated by the insurer. This insurance has been growing popular recently and its basic advantages are:

• no queues,
• very high standard of medical service,
• unlimited access to specialist doctors without having to obtain a referral from a GP,
• access to state-of-the art medical equipment operated by professional staff.

Group investment insurance.

Targets people who would like to acquire additional financial means for their retirement. The group investment insurance is a form of insurance dedicated to those who are not only interested protection of life and health but also in additional financial retirement security. The insurance agreement consists of life insurance combined with investment insurance and – optionally – with other additional agreements.

Employee pension programs (EPP).

This product is the main component of the optional 3rd pillar of social insurance systems. It ensures an additional income after the insured employee has retired.