Protect your loved ones against the unexpected and secure yourself financially at the end of the insurance period. Protect against the risk of loss of life, and at the end of the insurance period, the premiums you have paid will be returned to you indexed to the US dollar.
The Refundable Life Insurance offers comprehensive protection against risks and is an excellent option for securing your future. With this policy from Anadolu Hayat Sigorta, you can protect your loved ones against unexpected situations while also receiving your premiums back at the end of the insurance term, indexed to US dollars.
By utilizing the advantages offered by our life insurance products through BESVIP Insurance, you can strengthen your financial situation. Take advantage of this opportunity now to prepare for future uncertainties and secure your savings!
The monthly premium for this product is at least 30 USD. Payments in USD will be collected in Turkish lira based on the TCMB exchange rate on the payment date.
You can make premium payments on a monthly, quarterly, semi-annual, or annual basis using a credit card.
If you are between the ages of 18 and 58 and are healthy, you can benefit from the Premium Refund Life Insurance.
You can choose the insurance period to be between 12 and 20 years. The sum of your age and the insurance period can be at most 70.
Premium Refund Life Insurance includes life loss coverage and life coverage (refund of premiums at the end of the term).
If you are alive at the end of the insurance period and have paid all the premiums, you can receive the premiums paid back indexed to USD.
In case of life loss, we provide compensation to your loved ones in the amount specified in your policy.
If you terminate the insurance contract before the end of the term, we apply the following deduction rates based on the year of termination:
| Year | Deduction | Year | Deduction |
|---|---|---|---|
| 1st Year | 100% | 7th Year | 50% |
| 2nd Year | 95% | 8th Year | 40% |
| 3rd Year | 90% | 9th Year | 30% |
| 4th Year | 80% | 10th Year | 20% |
| 5th Year | 70% | 11th Year | 10% |
| 6th Year | 60% | 12th Year and Later | 0% |
You can deduct the entire premium paid for yourself, your spouse, and your young children; up to 15% of the salary earned in the month of payment and not exceeding the annual gross minimum wage from your income tax base. This way, you can get a tax advantage ranging from 15% to 40%, depending on your tax bracket for the month.
To benefit from the tax advantage, you need to provide the payment documents to your accountant if you are a tax-paying income tax filer; or to the relevant department of your company if you are a salaried employee.
In case of emergencies, you can benefit from the road ambulance and health consultancy services provided by S.O.S. International Ambulance Service Inc. for free.
For non-emergency situations, you can benefit from ambulance services at a 30% discount for yourself and all situations, whether emergency or not, for your first-degree relatives.
Here are answers to frequently asked questions about Premium Refund Life Insurance.
Anyone who wants to save money and/or be covered against various risks in life can benefit from life insurance. Depending on the type of coverage and the product you choose, some products may require health conditions or age limits.
Yes, you can. Depending on the terms of your policy, the insurance company may request additional documentation from you.
Life insurance is a type of insurance where the insurance company pays a specified amount to the insured person or designated individuals in the event of the insured's death, critical illness, unemployment, total and permanent disability, or if the insured survives beyond the specified term of the contract, in exchange for a certain premium.
Life insurance not only provides security for you and your loved ones in case of unexpected events but also allows you to accumulate savings.
If you want to save money, you can choose life insurance products focused on savings. If your goal is to protect yourself and your loved ones against unexpected situations, you can choose life insurance products that include risk coverage.
Alternatively, you can also select insurance products that offer both savings and coverage to meet both needs.
We are here for you to get information about Premium Refund Life Insurance and send us your questions.
