Krug 40 is an innovative life insurance product which offers a unique combination of security and savings. This product has been designed to provide financial protection for your family in case of unexpected circumstances, while simultaneously refunding a portion of the paid premium in case of survival until insurance expiry.
Krug 40 insurance offers a dual benefit:
Whenever people think about arranging term life insurance, the first question that typically comes to mind is: what amount can I expect to receive after my insurance expires? It’s precisely the answer to this question that sets this product apart from the rest.
The main benefit of Krug 40, also known as return of premium life insurance, is the option of arranging a substantial insured sum in the event of death in consideration for a lower premium amount, where a portion of the premium paid for basic insurance will be refunded in case of survival until insurance expiry.
When you select this type of insurance, not only are you insured, you also save a portion of the paid premium in case of survival. This provides financial security for you and your family, ensures that the family’s finances are stable in the event of the insured’s death, and provides personal security following survival until insurance expiry.
Krug 40 insurance is designed for individuals who wish to make sure their family is financially secure in case of unexpected situations, while simultaneously saving up. It’s the ideal choice for people aged 18 to 60, looking for a flexible insurance plan which will refund a portion of the premium, regardless of whether you’re thinking ahead when it comes to your loved ones, or simply want to combine security and savings.
Krug 40 is the perfect solution for balancing between security and savings, enabling you to spend your assets in a rational way.
Representative example for a person aged 35, insurance term 10 years
annual premium 300 EUR (basic insurance 240 + insurance riders 60)
total premium paid for basic insurance (10 years x 240 EUR) = 2,400 EUR
insured sum in the event of death = 50,839.91 EUR
premium refund = 2,400 EUR x 40 % = 960 EUR
DDOR’s insurance offer includes diverse products designed to cater to diverse needs. If you’re interested in additional options, we’d like to recommend the following:
This type of insurance also combines savings and protection, enabling you to insure your family while saving up for your future. Endowment insurance provides ease of mind in case of unexpected events, while at the same time laying the foundations needed for you to finance your long-term goals.
Our No Risk product is ideal if you’re looking for a simple and reliable solution with minimal risks. This product guarantees hassle-free security and stability, giving you peace of mind and financial security at all times.
