AMSLICO AIG Life poisťovňa a.s. as a life insurance company specialises in life and personal accident insurance. It provides products that have been attested for tens of years already on advanced foreign markets and that meet the highest demands of clients. After thorough analysis of the needs of clients, the company AMSLICO AIG Life then compiles a so-called package deal – products providing various insurance cover, the combination of which means AMSLICO AIG Life can achieve the optimum satisfaction of client requirements.

The basic philosophy of life insurance is to provide the client with financial security in the case of some unforeseen event. By taking out life insurance, you may also save up funds for a better future, secure survivors in the case of loss of life, improve the financial comfort of your children during their study at college or university, secure yourself as part of the pension type of life insurance, provide insurance as a security for a bank loan and so on.

One of the most important decisions concerns where, when and with whom to conclude good life insurance. Life insurance is intended to sufficiently provide cover of life’s risks. If you choose badly, the insurance need not necessarily cover all the required risks and so is incomplete.

Certain life insurance products are also interesting for clients from the perspective of appreciating savings. AMSLICO AIG Life not only pays out money in case of an insurance event, but also in the case where the client survives the insurance term. It is extremely important to realise that insurance lasts for about 20 years on average, which means that the amount due after such a period is normally quite substantial.

Unit-linked insurance differs from standard insurance in the sense that it offers clients the possibility of appreciating part of their funds by investing them. The client determines the ratio, the extent of investment risk taken and what amount will be guaranteed from the insurance company (within set limits of course). When investing it is possible to choose from several trust funds, depending on the nature of individual funds and how resources are invested. Furthermore, the client may also change the chosen investment strategy during the course of the year, as well as the ratio of risk cover and savings. It is very important to remember with this type of insurance that the client assumes the investment risk.

Certain things can happen in life that cannot be avoided. Each of us can, however, sufficiently protect ourselves against the financial consequences of such events. Similarly to life insurance, accident insurance is also well justified – especially when we consider the fairly high likelihood of accident or illness in our lives.

AMSLICO AIG Life offers its clients:

- financial security for family in the case of loss of life of the family provider due to accident
- preservation of the standard of living in the case of permanent disability due to accident, often associated with permanent loss of income
- cover of temporary loss of income, as well as increased costs concerning hospitalisation, surgery and convalescence due to illness or accident
- access to medical consultations with distinguished medical centres in the USA in the case of serious health problems, such as cancer, heart attack, multiple sclerosis, diabetes and so on.

The company AMSLICO AIG Life also offers various types of rider insurance cover that clients may purchase on top of basic life insurance. Some riders are automatically included as part of our insurance packages/products.

- rider insurance cover of accidental death and permanent disability due to injury – securing you and your family in the event of serious injuries with permanent or fatal consequences
- rider insurance cover of surgical operations and hospitalisation due to injury or illness – recuperation money and cover of expenses pursuant to the illness or injury
- USA-KLINIK extra – exclusive program of AMSLICO AIG Life, which in the event of serious health problems provides you with medical consultations at distinguished medical centres in the USA, together with daily compensation for hospitalisation
- rider insurance cover of serious illness – provision of financial security to the client in the event of serious illnesses and associated living complications
- premium payment waiver – not even permanent consequences of injury or illness will affect your financial situation
- rider insurance for child beneficiaries – insurance cover and financial security for your children
- placement of funds on behalf of insured – this is a specially created program of financial prosperity for the client, which gives you the same investment benefits as only large investment companies are able to offer.

Group insurance of employees achieves important mutual goals. On the one hand it protects the insured employees and provides financial security to their families in the event of a claim, and on the other hand represents a very important management tool for the company, which allows the employer to extend the range of benefits enjoyed by employees.