CLASSIC LIFE INSURANCE

Classic Life Insurance with Generali Insurance allows you to save money and ensure optimal protection for your loved ones.

Classic Life Insurance

Savings

at the end of the insurance period (for survival to a stipulated age), you receive a guaranteed sum insured.

Basic insurance

Insurance in case of death

providing additional financial security for yourself and your loved ones.

Tailored to your individual needs

Additional insurance coverage

which you can add to the basic insurance coverage.

CLASSIC LIFE INSURANCE FEATURES

Unexpected events can instantly turn your life upside down. Classic Life Insurance gives you financial security when such unexpected events occur.

LIFE INSURANCE TAX LEGISLATION

In Slovenia, there are two laws that provide the legal basis for life insurance eligibility for tax exemptions:

  • the Insurance Contracts Tax Act (ZDPZP) and
  • the Personal Income Tax Act (Z-Doh-1).

the Insurance Contracts Tax Act (ZDPZP) states:

an 8.5% tax on the insurance premium is charged if the duration of the insurance is shorter than 10 years;

an 8.5% tax on the cash value (surrender value) of an insurance policy is charged if the insurance concluded for a period of 10 years or more is terminated before the expiration of the 10-year period.

the Personal Income Tax Act (Z-Doh-1) provides that:

The basis for taxation is the difference between the payment of the sum insured (surrender value) and the paid premiums. Exemption from life insurance taxation is provided in the following cases:

  • payment of the sum insured in the event of the death of the insured person,
  • if all the conditions listed are met
  • income (insurance benefits) from life insurance is due for payment later than after the expiration of 10 years from the beginning of the insurance,
  • the insurance policyholder (policyholder) is also the beneficiary of the insurance benefits at the end of the insurance period,
  • the surrender value of the insurance policy is not paid earlier than 10 years after the conclusion of the insurance.

Make an appointment with an individual relationship officer

Your individual relationship officer will wait for you in the outlet on the agreed upon date and time. 
With his help, you will be able to arrange everything quickly and easily.

Make an appointment or Send an inquiry

Frequently asked questions

How do I choose the right personal insurance for me?

Personal safety should not depend on unforeseen events and luck. When deciding on the right personal insurance for you, you have to follow all the necessary steps carefully, as this is the only way to

ensure you are really protected.
Creating your own personal financial security strategy can be compared to building a house. You need to start at the foundation, but you must not skip any of the intermediate stages if you want your house to be stable and firm.

1. PROTECTION

First and foremost, you need to protect your financial security in order to protect yourself and your loved ones from any loss of income due to unforeseen events. This is particularly important if you are a borrower, because by purchasing the right life insurance, you can protect your loved ones, and make sure that you can actually repay your loan yourself, no matter what happens in your life. 

Choosing the right life, accident and health insurance products can give you a high level of security:

2. SAVING

By upgrading your basic protection, you can save additional funds that you will need in the future.

Classic life insurance offers the option of a basic upgrade that you can add to your basic protection. This type of insurance gives you the security of a guaranteed payout in the form of the sum insured. Therefore, it doesn’t represent an investment risk, which means you can use it as a long-term form of savings, which in addition to security provides you with a guaranteed payout after the end of the savings period and a tax advantages.

It's good to know
whom you trust your finances

SKB bank

  • Excells in safety, stability and reliability in Slovene banking space.
  • Part of Société Générale, one of the largest banking groups in euro zone.
  • Trusted by more than 200.000 clients.

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Digital banking

With mobile and online bank, you can arrange as many as 53 different tasks without visiting the bank:

  • Submitting application for approval of extra overdraft facility.
  • Submitting application for order of quick loan.
  • Submitting application for obtaining 
    Mastercard / Visa credit card.
  • Paying and receiving invoices and e-invoices.
  • Overview of balance and spending.

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