Our insurance contracts are tailor-made for you:
Savings - Protection of the people (individuals):
- You choose the amount you wish to save and/or the death benefit you want to insure, or you determine the
desired payment method (yearly, monthly) as well as the distribution of this sum between the savings and the
death benefit.
- You can also take out an outstanding balance insurance in order to secure the refund of your mortgage loan.
- You can also add:
- A complementary insurance against the invalidity risks in case of sickness or accident, in the form of an
exoneration of premiums and/or an invalidity pension.
- A complementary insurance against the risks of fatal accidents, which doubles the death benefit provided
for by the main insurance.
Savings - Protection of the self-employed:
In addition to the insurance policies specified above, we devised a special Complementary Flexible Pension Plan for the
Self-employed (Pension Libre Complémentaire pour Indépendants or PLCI). The conditions for taking out the
insurance policies, as well as the maximum authorized amounts, are subject to the current legislation.
Key Man insurance:
The company can also protect itself against the financial consequences due to the death or the permanent unavailability of
one of its “Key Men”, by taking out a so-called “Key Man” insurance for the Death part, and an insurance for “accelerated
payment in case of permanent total disability”, for the Invalidity part.
The APRA life FLEXILIFE products offer you:
- Flexibility when taking out the contract as well as in choosing your fiscal plan.
- Life insurance: a 2.50% interest rate guaranteed for the entire duration of the contract, plus a 1.25% rate
guaranteed during 10-years (renewable after a 10-year period, according to the market conditions),
plus possible dividends, allocated yearly.
- Death insurance: one of the most attractive rates on the market.
- A death insurance and invalidity (total and permanent) formula, which enables the company to cope with the
financial consequences of the absence of its Upper Management or “Key Men”.
- Complementary insurances so you can create your optimum cover.
For practical information, please consult with your insurance broker. |
APRA life has been created for small and medium-sized companies:
- With the group insurance, salaried people can:
- ensure a complementary pension
- provide for an insurance in case of decease
- provide benefits for widows/widowers and orphans
- ensure substitute earnings in case of invalidity following a disease or an accident
- For the Upper Management, and also for people whose occupation is equally crucial for the company
(Key Man), the company can insure an individual pension promise.
Note: the group insurance and the individual pension promise are governed by the Law on complementary pensions
(28/04/2003).
- The company can also protect itself against the financial consequences due to the death or the permanent and total
unavailability of one of its “Key Men”, by taking out a so-called «Key Man» insurance (see FLEXILIFE).
The APRA life GROUPLIFE products offer you:
- A tailor-made study of the insurance covers.
- A guaranteed 3.25 % interest rate, increased by possible dividends.
For practical information, please consult your insurance broker. |
