Life insurance
Personalized risk and saving solutions for individuals, business owners, and employers.
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Competences
Insurance for individuals
- Accident cover
- Critical illness cover
- Permanent disability
- Expensive treatment for serious illness
- Loss of life
- Insurance with an investment element
- Compensation for hospital admission, surgery, fractures
Business protection
- Accident and illness cover
- Permanent disability
- Loss of life
Employee benefits
- Accident and illness cover
- Permanent disability
- Expensive treatment for serious illnesses, available for the whole family
- Loss of life
- Occupational cover (by law)
- Compensation for hospital admission, surgery, fractures
- Temporary disability compensation
For individuals – protection in case of Accidents and illness, Expensive treatment of serious illness, Loss of life and insurance with an investment element
For businesses – protection in case of Loss of life, Critical illness and disability
Employee benefits – protection in case of Accidents and illness, Critical illness, Loss of life, Occupational accident and more
Frequently asked questions
I don't need to do a consultation because I don't know if I can afford insurance
Without a consultation, you don’t know exactly what you need or what such protection is worth. Each solution is tailored to the client’s current capabilities and may be available for the price of a coffee a day.
Why should I get insurance when I might not have an accident?
Accidents can happen to anyone. There is no rule to whom they happen and to whom they do not. Accident coverages are the most affordable coverages.
Isn't life insurance just protection against loss of life?
Life insurance is a category of insurance related to a person’s life and health. Also included in this category are protections for diagnosis of serious illness, permanent disability, expensive treatment of serious illness, and insurance with an investment element.
Why should I offer life insurance as an employee benefit?
When a severe event occurs with an employee that requires extended absence or treatment, the employer can soften that blow with this type of benefit because the employee will receive compensation. The employee’s family is also protected in this way.
Isn't it better to give the amount for the employee's insurance as a voucher for something else?
Often, employees do not find the expertise themselves to make timely decisions about accident and illness protection for themselves and their family. The employer can provide such protection as a gesture of care to the employee on their behalf which would result with compensation worth hundreds and thousands when they need it most.
I'll think about it, maybe later?
The cost of deferred decision in life insurance is always rising. Insurance is done before something happens, while we are healthy. The cost grows as you get older and after a certain age you may not be able to get insurance or you may not be able to afford the cost of the protection you want.
Testimonials
“I really liked the individual approach. I appreciated our first conversation where we discussed my biggest fears, our retirement plans and situations we hadn’t thought about. Having the opportunity to discuss different options with Mira gave me the confidence to participate in the process.”
– Ann, mother of 2 with husband in IT
“The consultation with Mira was a long avoided conversation due to a previous bereavement in the family. I was able, with Mira’s help, to make a decision that reduced the anxiety of the unknown and I now know I can financially face a hypothetical encounter with serious illness, which is my greatest fear. I also protected my parents if something happened to me.”
– Anelia, 32 y.o. works in a corporation, elderly parents
“I consider myself a savvy investor and talking to Mira has opened up an opportunity for me to diversify my portfolio with transparent instruments so that I can rely on what I have saved and earned in my 20s when I reach retirement age. The money is protected because it is in the Life Insurance category.”
– Peter, entrepreneur, 45 y.o. with young family
“I’m grateful to Mira for sharing about the life insurance solution as an employee benefit. I now know that employees and their families are protected from serious financial hits and there is no threat to their standard of living in the event of unexpected events covered by the insurance. I could not believe the corporate solution was so affordable. “
– Pavel, employer of 112 in the industrial sector
Clients
Typical individual clients
– parents with young children
– single earner families
– families with a mortgage
– young, working with a hobby of skiing
– young people starting work
– adults with parents who rely on them
– single parent with a child under 18
– children whose parents want to save for a university fund
– families who want to have protection in case of necessary expensive treatment
– adults who want to secure their income after retirement
– anyone seeking protection in the event of incapacity for work due to accident or illness
– anyone who wants to ensure that their loved one does not suffer financially if the worst happens
Typical business clients
– family-owned businesses
– businesses with critical contracts & obligations
– industries with high physical risk
– companies relying on key personnel
– startups & scaling businesses
– businesses with loans
– partnership-based businesses
– professional service firms
Typical corporate clients
– employers in sectors with employee shortages
– employers who care about their employees and want to protect them in difficult circumstances
– family businesses with 5-20 employees
– companies with up to 50 employees
– larger companies with employees in Bulgaria
– companies with employees with young families and children under 18
– companies with employees who are motivated by fringe benefits
– international companies
– companies with employees of childbearing age
– companies with employees who play sports, such as skiing
– companies with an activity that is compulsorily insurable under the Occupational Accident Insurance policy
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Disclaimer: LifeInsurance.bg and KeyPersonInsurance.bg are owned by Zanimavki Ltd., a sole proprietorship of Miroslava Krusteff – a licensed insurance agent of MetLife Bulgaria, registered with the Bulgarian Financial Supervision Commission (FSC). This website is not owned or operated by MetLife Bulgaria. All MetLife Bulgaria products and services are subject to their terms and conditions.