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HomeProductsIndividual life insuranceUniversal life insurance

Universal life insurance

Atlas life was the first company to offer this type of insurance policy in Montenegro.

It belongs to a group of dynamic life insurance products.

Universal Life Insurance allows the client to combine a term life insurance policy with an investment feature in one contract. It consists of two parts: a term insurance premium and a saving premium.

The advantage of Universal Life Insurance over more traditional products is that it is:

  • Unique
  • Dynamic
  • Flexible
  • Recognizable

This policy generally offers a more flexible premium payment plan, and unlike traditional mixed life insurance policies, the important parameters of it are not fixed in advance:

Open product - You always know how much of your premium is covering the insurance policy, and what amount is covering the savings.

Adjustable Life Insurance - Here policyholders are able to choose their life insurance payments and adjust the level of investment that is right for them.

Flexibility during the insurance period (Flexible Premium Policy) - By adopting a Flexible Premium Policy, clients are able to vary their premium payment structure, that is, they can increase or reduce the amount of cover within the limits of their investment.

Benefits Use - The benefit of this is to allow the clients to redirect their savings on a life insurance policy or use them for some other purpose.

Transparency - We would like to stress that Atlas Life is a company that actively promotes a policy of absolute transparency in all benefits quote gained under an insurance policy.

For any further information you can contact our info centre by phone at: 020 406-106, by email at:This email address is being protected from spambots. You need JavaScript enabled to view it.This email address is being protected from spambots. You need JavaScript enabled to view it."> or take a look at Life insurance general conditionsThis email address is being protected from spambots. You need JavaScript enabled to view it."> Term life individual insurance / specific conditionsThis email address is being protected from spambots. You need JavaScript enabled to view it."> sections.

 

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