A concrete assistance

life sunset

To protect the people you love

  • Allows you to face the future with peace of mind.
  • Protects against serious events like the premature death of the policyholder or certain serious illnesses.
  • Guarantees sufficient capital to support ongoing financial commitments (such as mortgages and loans) or to realize future projects
Tailored coverage for every need
How do TCMs work

Each policy is customized in terms of amounts and coverage extensions.

The signing of the contract binds the insurance company for a specified period (from 5 to 30 years):

  • To pay the agreed-upon capital to the beneficiaries in case the insured person passes away during the contract’s validity period.
  • To advance a significant percentage of this capital to the insured person in case of serious illnesses

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The main pluses
Significant tax advantages

They offer significant tax advantages:

  • They are exempt from capital taxation. For policies defined as ‘pure risk,’ such as Term Life policies, there is a total exemption from personal income tax (IRPEF) on the amount paid to the beneficiaries.
  • The premiums paid are deductible. The thresholds have changed several times over the years, and currently, the expected deduction is 19% of the premiums paid for death and disability coverage, up to a maximum of 530 euros in total.
Different types of product

There are different types of products:

  • Those with a constant capital –¬†In case of the insured’s death, the insurance company pays the beneficiary the agreed-upon sum at the time of contract signing.
  • Those with decreasing capital – These products involve the sum that the insurance will pay to the beneficiary decreasing progressively.

*The descriptions of the products on the website are provided for illustrative purposes, are purely indicative, and do not constitute a contractual element.

Financial support for those who care about you? The best life insurance policy...

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