Advantages of the term insurance offered by the Bank:
- offers mind comfort, ensuring family protection in case of undesired events
- protects your investment by guaranteeing the bank the reimbursement of the loan in case of undesired events, the investment made by the ensured being owned by the family, and the payment of the loan being undertaken by BCR Asigurari de Viata
Your term life insurance may be added a range of additional clauses, so as to be protected in any circumstances:
Additional rider in case of permanent accidental disability
By paying an additional premium, you may also add the supplementary protection insurance in case of permanent accident disability to the insurance offered by our bank. In the event of an accident resulting in partial or total permanent disability, this additional protection ensures you benefit from a percent of the sum insured amount, according to the degree of disability.
Additional rider for waiver of premiums in case of unemployment
In exchange of a premium, BCR Asigurari de Viata is bound to waive the Insured from paying loan instalments for a period of 9 months/year at most, if the Insured becomes unemployed during the validity period of this insurance. The Insured may benefit from the services guaranteed provided that 3 months have passed from its coming into force. This insurance may be purchased when contracting a personal needs loan.
Life insurance for owners of a BCR deposit
In exchange of a premium, a life insurance may be concluded by the owners of a deposit concluded for a period of at least 1 year and offers protection for death risk. In case of an undesired event, during the validity period of the policy, the insured person's beneficiaries shall receive 3 times the value of the initial deposit. If the insured event doesn’t occur, the insured person receives back 50% of the paid premiums at the end of the contract.
Life insurance for owners of car credits
In exchange of a premium, you may conclude a life insurance offering protection in case of death in accidents and for permanent accident disability.
Life insurance and goods protection