LIFE INSURANCE FOR BORROWERS OF CONSUMER LOANS

In cooperation with Groupama Zavarovalnica, SKB offers borrowers of consumer loans additional security in the event of death or permanent as well as temporary total incapacity for work and unemployment.

Additional security

For the borrower and their heirs

by covering the payment of the remaining loan in the event of permanent total incapacity for work or death.

Different covers

4 insurance covers

in the event of death, permanent total incapacity for work, in the event of temporary total incapacity for work and in the event unemployment

Simple taking out

Insurance policies

without a medical examination, the premium does not depend on the borrower's gender and age.

LIFE INSURANCE FOR BORROWERS OF CONSUMER LOANS FEATURES

Life can also surprise you with an unpleasant event that can affect your ability to repay a loan. Life insurance for borrowers is a guarantee that the loan will be repaid regardless of what happens in your life.

HOW TO APPLY FOR INSURANCE?

If you want to take out life insurance for a consumer loan, you will need:

  • A personal identity document (passport or identity card),
  • Concluded consumer loan agreement,
  • A personal SKB account.

 

 

You can take out insurance if:

  • You are not younger than 18 and not older than 69 on the day of signing the application form,
  • You have been gainfully employed for at least 12 months before taking out insurance and have not been absent from work for more than 30 consecutive days due to an illness or accident in the last 12 months,
  • You are healthy and can sign the declaration of good health.

 

 

TWO LIFE INSURANCE PACKAGES

The packages differ in terms of the number of included insurance covers:

Extended package

Death from any cause

Permanent total incapacity for work due to an accident

Temporary total incapacity for work due to an illness or accident (sick leave)

Unemployment

Retirement package*

Death from any cause

Permanent total incapacity for work due to an accident

*If you are receiving a pension or are older than 65 when you take out the insurance, only the "Retirement package" is available to you.

INDICATIVE CALCULATION WITH MONTHLY INSURANCE PREMIUM

You pay the insurance premium by a direct debit of your personal account opened with SKB, on a monthly, quarterly, semi-annual or annual basis.

Principal − fixed interest rate Loan duration  

Extended package

   
   

Monthly**

Quarterly**

Semiannually**

Annually

1.000 EUR

36 months

/

/

12.48

24.96

3.000 EUR

48 months

/

14.49

28.96

57.93

5.000 EUR

60 months

/

19.80

39.60

79.20

8.000 EUR

70 months

/

27.01

54.03

108.07

15.000 EUR

84 months

14.73

44.34

88.71

177.42

20.000 EUR

84 months

19.62

58.75

117.50

235.00

30.000 EUR

84 mesecev

29.22

87.55

175.10

350.20

*The insurance premium already includes the 8.5 % insurance business tax and the minimum amount of the monthly premium is 10 EUR.
**The amount of the first premium in the case of installment payment.

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  Tell us your wishes

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.

Investment

What is the impact of saving in funds on social transfers?

We often hear excuses from young parents that they don’t save because their savings would push them into a higher income class and they would receive a lower child allowance per month as a result. The reason for the decision against saving is generally unfounded because such savings are taken into account only in the form of fictitious interest.

Investment

Where can I get help and additional information?

Information on the possibilities of saving in funds can be obtained at the SKB Bank outlet or by calling the Call Centre at 01 471 55 55, where you will arrange an appointment in the selected outlet.

Investment

How do I start saving in AMUNDI or MOOREA funds?

Would you like to start saving in funds but don't know how?

Investment

Why choose saving under the Moorea Fund savings plan?

The Moorea Fund savings plan is concluded for a period of 5 years with automatic renewal for the same period.

Investments under the Moorea Fund savings plan are available at no entry or exit loads.

It's good to know
whom you trust your finances

SKB bank

  • Excells in safety, stability and reliability in Slovene banking space.
  • Part of OTP Group, one of the biggest and most stable financial services providers in Central and Eastern Europe.
  • Trusted by more than 200.000 clients.

What do our clients say about us?

Flik immediate free transfers

Pay with Flik - anytime, anywhere:

  • Simple- all you need is a mobile phone number
    or an e-mail of the recipient.
  • Quick- money is in the account in a few seconds.
    Even outside the bank's working hours.
  • Secure- the same level of security as for payments through
    the mobile bank or internet bank.

Read more

Are you perhaps also interested in