Life insurance ALL Life

ALL Life program - developed by Metropolitan Life Insurance S.A. in collaboration with Kunden Broker SRL is designed to provide capitalization for your money at the highest level of safety. At the same time, it offers the advantage of being defined according to the law as an insurance program! You have already realized the importance of a supplementary private pension for your future and you have chosen the best solution on the Romanian market.

ALL Life offers a guaranteed technical interest rate of 3.5%, through which we assure you the guaranteed face amount at the maturity of the program. You will benefit from the following advantages for building a better financial future:

 

ADVANTAGE I Individual wishes: ALL Life allows you to benefit from a refund of the guaranteed face amount plus earnings starting with the 10th year, an anticipated endowment in three equal installments. At your request, you will receive at the anniversary of 10 years one third of the guaranteed face amount plus earnings until this date, on the anniversary of 15 years, also 1 / 3 of the guaranteed face amount plus earnings until this date (in the case that on the tenth anniversary you did not request this option, you will receive two thirds of the guaranteed face amount plus earnings at that time), and at the end of your program, which means the attainment of 20 years, you will receive the last third of the face amount plus accumulated earnings until that date. So you can fulfill your desires and goals that you dream of. KundenBroker turns them into reality through ALL Life!

 

 

ADVANTAGE II Your private pension:with the increasing of costs of the daily life and the constant changes in economy, the concern for a private pension is becoming increasingly important, even we could say, necessary. Once you have retired you have more free time but less income considering the amount you receive from your state pension. ALL Life allows you the possibility to receive the entire cumulative capital at the maturity of the program, or to choose one of the following six ways:

  Payment of capital in one installment;

  Payment of capital in specified rates;

  Payment of capital in rates in a specified period

  Life annuity;

  Guaranteed life annuity for a certain period

  Life annuity with the option of transferring (the life partner receives after the decease of the  customer 60% of its rent, also paid for life).

 

ADVANTAGE III The possibility to assign rights for ALL Life as a collateral guarantee to obtain a bank loan

You as the policy holder have the possibility to assign the protective benefits of the contract in favor of a bank1 in order to obtain a mortgage.

 

1 Getting a credit approval from the bank involves the fulfilling of certain conditions set by each bank in accordance with its internal rules and procedures and according to central bank legislation (BNR) in force at that time. The insurance company cannot influence the bank's decision to grant credit to its customers.

 

ADVANTAGE IV Financial protection for you and your family: No one can predict exactly what will happen in the future. The uniqueness of the program ALL Life offers you: even if you opted for an anticipated endowment in year 10 and / or 15, until to the end of the program, your sum assured for protection will never be reduced!

In case of loss of working capacity in a total and permanent way, following an accident or illness, ALL Life will continue to pay premiums until the maturity of the program or until the recovery of the working capacity.

In addition, in case of a 100% invalidity from an accident, you will receive immediately the guaranteed face amount and additionally, once again the guaranteed face amount, staggered in installments of annual pension over the next five years (if the guaranteed face amount divided by 60 is higher than 350 RON, then the pension can be paid monthly, and if the guaranteed face amount divided by 60 is less than 350 RON, then the pension will be paid annually)

  Payment of capital in one installment;

  Payment of capital in specified rates;

  Payment of capital in rates in a specified period;

  Life annuity

  Guaranteed life annuity for a certain period

  Life annuity with the option of transferring (the life partner receives after the decease of the customer 60% of its rent, also paid for life).

In case of a tragic incident - decease, persons designated as beneficiaries of yours (spouse, parents, children, ...) are able to choose one of the six variants of anticipated endowment of the guaranteed face amount plus gathered earnings to that date: if the incident is a result of a tragic accident, the persons designated by you as beneficiaries are able to choose one of the six variants of anticipated endowment mentioned above of twice the guaranteed face amount plus the earnings guaranteed until that date. Through the six types of payment, ALL Life provides your heirs a payment method that will fit their personal needs, benefiting from a flexible way to use the full amount.

 

ADVANTAGE V Funds at the highest level of safety: in accordance with the law, financial resources are targeted to investments with the highest level in safety: bonds issued by the Romanian State and deposits with the most solid banks in the country. Guarantee Fund, established in 1995 by ASF (Financial Supervisory Authority), is another guarantee for the advantages of the ALL life program. When changing currency in Romania from RON to EURO, ALL Life will be converted from RON to EUR, according to Romanian legislation and come into force immediately under the same conditions. In addition, you will receive from the beginning on a guaranteed amount increased, paying a sum indexed by 3% each year.

 

OTHER BENEFITS

Immediate Protection:The benefits provided shall come into force from 00.01 hours of the following day of the premium payment and are valid anywhere in the world where the risk occurs (according to contractual terms).

Flexibility:The program ALL Life can be adjusted to the needs of your financial situation over time and you can add additional benefits a month before due date.

 

ADDITIONAL BENEFITS - Benefit of hospitalization: when choosing additional options, ALL Life offers for each day of hospitalization which exceeds a three days period, a certain amount of money. You can choose 20 RON / day allowance in case of accidents and disease. In addition, for each surgical procedure you get a certain percentage of the amount determined, which is calculated according to the intervention suffered (500 RON).

 

We can guarantee that our company, Kunden Broker de Asigurare SRL will make sure that the program - ALL Life will meet your expectations in the future.

 

As a testimony to the success of promoting the ALL Life program and due to the fact that the brand Kunden Broker has the customer loyalty as the main objective, we have created a special video that we invite you to watch with great interest. The main actors in this film are some of our customers that despite the tragic events suffered, had the willingness to stand in front of the camera and share with us their experiences regarding the exclusive ALL Life program, the reasons that convinced them to choose this protection solution, and concerning the claims resulting from the tragic incidents experienced by the loved ones. In this context, we have a very important message for you, our customers who have participated in this great film: In our business, people like you make a difference and we want to thank you for your trust, and recommendations!
Also, we want to thank the Kunden Broker managers who are present in this video and also all the managers and consultants who through day to day professionalism in business demonstrate efficiency in managing the customer relationship and make it possible to direct such a successful film.