Saman life insurance is the insurance policy that can take responsibility for solving an important part of the financial needs of your life. Saman Life Insurance has different plans, each of which is designed with a specific purpose and approach. Long-term investment, settlement with the bank, providing for the future of children, compensation for damages caused by accidents, payment of compensation and expenses due to illness and ... is one of the most important reasons that make us think more seriously about buying life insurance policies.
Life insurance or better to say Saman life insurance is one of the group of personal insurance policies in which the life and health of the insured person is covered by the insurance company. Of course, this is not the whole story. It is the type of selected plan and other details of the insurance policy that determines its purpose and approach. For example, by purchasing Saman Zamani life insurance, you will get life cover for a limited and specific period of your life. But if you go to buy the life insurance of the debtor, the responsibility of repaying the loan installments in the event of the person's death will be the responsibility of the Saman insurance company. Either the condition of life or the condition of death and life will be issued. Therefore, the role of life insurance in the life of each person can be different.
Some of the insured are thinking of meeting the financial needs of their family members and others in the coming years with the help of life insurance, and some others like to take advantage of the benefits of life insurance during their lifetime.
Of course, the third group is also There are those who, by purchasing life insurance plans and sound investments, are thinking of forming capital and building a peaceful and worry-free life from the moment the insurance policy is issued until the future.
Types of Saman Life Insurance Plans
- بیمه عمر و تشکیل سرمایه
- بیمه عمر متصل به واحد (یونیت)
- بیمه حوادث انفرادی
- بیمه عمر و حوادث گروهی
- بیمه سنوات
- بیمه نامه عمر زمانی
- بیمه عمر زمانی ارزی
- بیمه عمر مانده بدهکار
The most popular life insurance of Saman; Life Insurance and Forming Capital
The title of the most complete, the most popular and the most profitable plan of Saman life insurances is given to the life insurance and capital formation of this company. With the help of life insurance and capital formation, over time, you will gain access to a significant financial reserve, which will help cover many of your life expenses. It will be possible to live on top of your life during retirement or cover expenses caused by illness or various accidents with the help of this insurance policy.
Life insurance features and capital formation
The possibility of choosing various investment portfolios based on the income and budget of the insured
The possibility of redeeming or requesting a loan from the life fund online without the need to visit in person
The possibility of receiving a loan from the beginning of the second year up to 90% of the redemption value of the insurance policy
The possibility of issuing an insurance policy from the age of one month to the age of eighty years and at least for five years
High flexibility in paying insurance installments considering the amount of income of the person
The insured person has a variety of coverages such as paying medical expenses, coverage Disability, exemption from payment of insurance premiums, normal death and death due to an accident
Non-deduction of tax from life capital as well as savings from investments
other types of Saman Life Insurance Plans
Saman Zamani Life Insurance: This insurance policy is issued for a limited and specific period of time and to provide coverage for the death of the insured during the validity period of the insurance policy. Accordingly, if the insured person dies during the validity period of the insurance policy; A specific amount will be paid to the beneficiaries. takes care of the death of the insured. Keep in mind that by purchasing this insurance policy, the remaining installments will be deposited into the bank account at once. With the help of Saman Insurance Annuity Plan, it will be possible to meet financial needs during retirement.
Payment of annuity savings, proportionality of the premium amount with salary increase, taking into account normal death coverage up to 18 times the amount of the insurance premium and death due to accident up to 54 times the premium amount is one of the features of this insurance policy.
Life and accident insurance: This insurance policy is issued in two forms, group and individual. With the help of this insurance policy, damages caused by sudden accidents on the life and health of the insured person are covered.
Therefore, in this plan, we see coverages such as compensation for limb defects, disability or death due to an accident. The payment of medical expenses caused by an accident is another coverage of life and accident insurance.
Unit-linked life insurance: This insurance policy is one of the new plans of Saman Company which In that policy fund is directly invested in stock exchange funds. Saman Company guarantees that negative market flows will not affect the total insured savings and will not lead to a decrease in its value.
Saman Life Insurance Coatings
The type of plan and the details of the insurance policy will determine the coverage of Saman life insurance. Nevertheless, the following are some of the most important types of life insurance coverage that are often offered in life and investment plans:
Natural death coverage: This coverage is the main financial support for beneficiaries. It is after the death of the person and may be calculated up to 25 times the paid insurance premium.
Coverage of special diseases: Payment of treatment costs caused by diseases such as cancer, stroke and heart, heart surgery Opening and transplantation of the main body parts, provided that they have occurred during the validity of the insurance policy, will be covered in the form of special diseases.
Free coverage for the last year of life: If the insured can prove that he is living in the last year of his life, with the help of this coverage, he can receive an amount equal to 25% of the death capital.
>Exemption and disability coverage: If a person becomes disabled due to illness or accident during the validity of the insurance policy, the insurance company will exempt him from paying the insurance premium. Of course, the company will continue to provide coverage to him.
The possibility of receiving annuity or retirement: With the help of this coverage, the policyholder can choose the life capital in one lump sum or in Receive the form of income and pension from the insurance company at the end of the validity period of the contract.
