Life Insurance— protection for you and your family
I'll compare offers from over 30 insurance companies for you. We'll find a policy tailored to your situation and budget. Free consultation.
Why is life insurance important?
Life can be unpredictable. Life insurance provides financial security for your loved ones in case of the worst-case scenario:
- 1Mortgage repayment – your family won't lose their home
- 2Children's education continues – money for college and development
- 3Maintaining family's standard of living – without dramatic income drop
- 4Covering treatment and rehabilitation costs for serious illness
4 types of life insurance
Not all life insurance is the same. Depending on needs and budget, you can choose: term policy (lowest premium, protection for a set period), whole life (lifelong protection), unit-linked (protection + savings), or group (through employer). I'll help choose the best option.
Why Choose
This Option?
Term Life Insurance
Lowest premium, protection for 10-30 years. Ideal with mortgage or when children are young. Simple and transparent.
Whole Life Insurance
Protection for life. Higher premium, but guaranteed payout. May accumulate cash value.
Unit-Linked Insurance
Combines protection with investment. Part of premium builds capital. Requires longer horizon and risk acceptance.
Group Life Insurance
Through employer – low cost, broad coverage. But ends with employment and may not be enough for family.
Who needs life insurance?
I help different groups of clients choose appropriate protection. As an independent multi-agent, I compare offers from over 30 companies to find the best solution for your specific situation.
- Parents – securing children's future
- Mortgage holders – paying off mortgage in case of death
- Entrepreneurs – protecting business and family
- Couples – securing spouse
What Clients
Say?
“When buying an apartment, the bank required insurance. Igor found a policy 40% cheaper than what the bank offered, with better coverage.”
Marta i Piotr N.
Young Couple, Katowice
“As a single mother of two, I needed solid protection. Igor selected a policy that fits my budget.”
Agnieszka L.
Single Mom, Bytom
“I run a business and have a revolving credit. Igor helped me secure my family and business at the same time.”
Dariusz K.
Entrepreneur, Gliwice
Frequently Asked
Questions
Premium depends on age, health, coverage amount, and scope. Simple term policy for a 35-year-old can cost from PLN 50-100/month with PLN 200,000 coverage. I'll compare offers from 30+ companies to find the best price.
Rule of thumb: 5-10 annual incomes + liabilities (mortgage). For someone earning PLN 10,000/month with PLN 300,000 mortgage, I'd recommend PLN 900,000 – 1,500,000. I'll analyze your situation and propose optimal amount.
Bank is not the best insurance source – they usually offer more expensive policies with narrower coverage. As a multi-agent, I'll find a cheaper and better alternative that the bank must accept.
Most common exclusions: suicide in first 2 years, concealing illnesses at signing, death under influence of alcohol/drugs, extreme sports without notification. I'll explain all exclusions thoroughly before signing.
Group policy often has low coverage (PLN 50-100k) and ends when you change jobs. If you have family or mortgage, I recommend additional individual insurance as primary protection.
Let's Find the Best Policy for You
Schedule a free consultation. I'll analyze your needs and compare offers from 30+ companies.
Call Now