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Tax-free payment
The payment of Life Insurance to next-of-kin is tax-free.
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Financial security
The insurance is paid out irrespective of whether the death is due to accident or illness.
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Your choice
You choose the amount to be paid out – and to whom.
When you buy Life Insurance from us, you are thinking ahead and protecting your family financially in the event of your death.
You can take out Life Insurance for either yourself or a close relative, such as your partner.
When you take out Life Insurance for yourself, any compensation is paid to your next of kin, or to one or several persons that you have actively designated as beneficiary(ies).
When you take out Life Insurance for someone other than yourself, e.g. your partner, you will be using what is called Cross-Life Insurance. Your partner must complete a health declaration before the Cross-Life Insurance can take effect.
With Cross-Life Insurance, as the policyholder you are guaranteed payment of the fixed insurance sum if the insured person dies, without being required to pay estate tax on the compensation.
You can take out Life Insurance with us for as long as you are aged 18-49, and the Life Insurance will apply right until you reach the age of 75.
| Life Insurance | Life | Cross-life |
|---|---|---|
| Not included |
HOW TO PURCHASE LIFE INSURANCE
You can purchase Life Insurance at the top of this page and in our webshop (in Danish). Here, you choose whether you wish to take out Life Insurance for yourself or someone else. Then you must enter your personal details and state how much you wish to have paid out in the event of death.
In addition, a health declaration must be completed, so that we can give you the best price. Who is to complete the health declaration will depend on whether this is insurance for yourself or someone else.
Read more about the health declaration (in Danish)
DO YOU NEED LIFE ASSURANCE FOR YOURSELF OR SOMEONE ELSE?
You decide for yourself whether you wish to take out Life Insurance for yourself or someone else.
When you take out Life Insurance for yourself, any compensation is paid to your next of kin – spouse or registered partner, children, parents or grandchildren – or to one or several persons that you have designated as beneficiary(ies).
You can also take out Life Insurance for someone else and thereby use our Cross-Life Insurance. This is a particular advantage for cohabiting partners, since a Cross-Life Insurance policyholder is guaranteed payment of the fixed insurance sum if the insured person dies, without having to pay estate tax.
Cross-Life Insurance means that there are no compulsory heirs.
HOW IS THE COST OF YOUR LIFE INSURANCE DETERMINED?
The cost of your Life Insurance depends on who is to be insured. We believe that the price must be based on the insured person's risk, since this ensures the fairest treatment for everyone.
Based on comprehensive statistics, the price of your Life Insurance therefore depends on such factors as the insured person's age and level of education, and their health situation.
In addition, your price depends on the level of the insurance sum you wish to receive.
Calculate the price of your Life Insurance here (in Danish)
When you purchase Life Insurance or Adult Insurance from us, you will receive a provisional price, after which you must complete a health declaration. On the basis of this health declaration, we will determine your personal and final price.
HOW MUCH IS PAID IN COMPENSATION?
You can set the insurance sum yourself and choose whether you wish to receive an insurance sum of DKK 500,000, 1,000,000, 1,500,000, 2,000,000 or 2,500,000 in compensation. You can adjust this in our webshop.
In this way you will get Life Insurance that matches your requirements.