Anyone wishing to secure the necessary resources for a decent standard of living in retirement, save a significant amount of money for future disposal, accumulate the necessary resources for the schooling of their children or make it financially easier for their children to start an independent life, provide care for their child, partner or parent, ... secure a loan payoff in the event of death, protect their company business, or increase their successors' heritage.

The premium and the insured amounts are defined in EUR with a currency clause, which means that the premium, the insured amount and the profit share are paid out in the equivalent amount in HRK in accordance with the average rate of the CNB on the day of payment.

With the conclusion of a mixed insurance policy, the payout of the insured amount is guaranteed after the insurance period expires and the insured person is still alive. In addition to that, the insured person, i.e. the beneficiary participates in the profit of the insurer. The insured person acquires the right to participate in the profit after the expiry of the third year of insurance. The calculated profit share is paid out together with the insured amount.

In the event of death within the duration of the insurance, AGRAM Life Insurance will pay the insured amount to the insurance beneficiary as stipulated by the insurance policy and the terms of insurance. What kind of supplemental insurance can be purchased? With a life insurance policy it is possible to purchase additional accident insurance.

All healthy persons aged 14 to 65 can purchase an insurance. Exception to this general rule are risk insurance and life insurance policies, for which the insured person should be between 18 and 60 years of age.

As a rule, insurance policies with a savings component are concluded for a longer period of time, which immediately increases the insured amount. The recommended period, which is also most commonly purchased, is 10 to 25 years, whereas risk insurance policies can be purchased for the period of 2 to 30 years. The actual duration of specific cases is adjusted with reference to the individual needs in relation to risk coverage requirements or dedicated savings, which means that even longer insurance periods than the ones recommended are possible.

The insured amount depends on the type of the life insurance policy, the chosen amount of the premium to be paid, the payment dynamics option, the gender and age of the insured person, the duration of the insurance, the health condition of the insured person, as well as on the risk associated with the type of occupation or sport activity the insured person is engaged into.