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Sole proprietors & micro-enterprises
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Sole proprietors & micro-enterprises
For new company owners
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Financing options
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Benefits for your employees
POS rental
Investments and insurance
Business contact information
Large companies & public sector
Open an account
Financing options
Business cards
Digital solutions
Benefits for your employees
POS rental
Investments
Derivatives
Repayment of the remaining loan debt in case of death of the insured person.
Characteristics
 | The insured is a micro-enterprise or a sole proprietor who insured a key person in the company. |
| Insurance coverage - In the worst-case scenario, the insurance company pays the bank the balance of the loan debt on the day of the loss event. |
| Access to insurance is possible from 20 to 65 years of age with a declaration of good health. |
| The insurance is concluded for the duration of the loan and lasts up to one year for a short-term credit, or no longer than 10 years for a long-term loan. |
| The minimum monthly premium is 10.85EUR* and depends on the amount of the loan. The premium is counted among the company's tax-deductible expenses. * Premium includes 8.5% tax on insurance transactions. |
How to get insurance?
* Insurance is not a banking service. Nova KBM acts as a marketing agent, while the insurer is Generali .
