АО "КСЖ "ГАК"

Term insurance program "Keeper"

Taking care of your loved ones!

Most people think that life insurance is only relevant for those whose work involves risk to life. In fact, it is a very useful tool for creating a financial safety net.

Life insurance for a certain period of time provides an opportunity to guarantee material protection to loved ones when it is most needed – in the event of the death of the breadwinner or the onset of disability. The insurance contract is concluded for a period of one year to 15 years.

JSC "KSZH "GAK" provides a convenient term life insurance program, under which the insurance contract can be concluded for a period of one year to 15 years.

Benefits of insurance:

Long-term life insurance (up to 15 years);

Convenient options for paying insurance premiums;

Life insurance for any family member, including children over two years of age.

Who can become an insurer?

An individual over 18 years of age or a legal entity

Who is insured?

An individual from 2 to 69 years old, while the age of the Insured at the end of the Insurance Contract must not exceed 70 years, the age of the insured child at the end of the Insurance Contract must not exceed 18 years.

For what period can an insurance policy be issued?

from 1 year to 15 years

Territory of insurance coverage:

All over the world

Frequency of payment of insurance premiums

monthly, quarterly, semi-annually, annually, one-time.

Additional coatings:

Death of the Insured as a result of an accident

Disability of the Insured (only I or II group) as a result of an accident

Disability of an insured child (“disabled child under 16 years of age, “disabled child” only of group I or II from 16 to 18 years of age) as a result of an accident

Injury sustained by the Insured as a result of an accident

Basic insurance coverage	Amount of payment
Death of the Insured for any reason during the term of the contract	100% of the insured amount under the contract

Additional insurance coverage	Amount of payment
Death of the Insured as a result of an accident	100% of the insured amount under the contract in addition to 100% of the insured amount under the main insurance coverage
Disability of the Insured (only I or II group) as a result of an accident	100% of the insurance amount for disability of the Insured Person of Group I 80% of the insurance amount for disability of the Insured Person of Group II
When establishing the category of “disabled child under 16 years of age	100% of the insured amount under the contract
When establishing the category “disabled child from 16 to 18 years old	100% of the insurance amount for disability of the Insured Person of Group I 80% of the insurance amount for disability of the Insured Person of Group II
Injury sustained by the Insured as a result of an accident	Determined according to the “Table of Insurance Payments for Injuries Resulting from an Accident” as a percentage of the insured amount for this additional coverage