SG Navigator Pro

SG Navigator Professional is a life insurance policy which the company closes for the key employees/managers. The company as a policyholder protects business of loss in case of his employee’s death, as well as in case the key employee decides to retire- in this case insurance duration is related to realization of the rights to retirement and the insured amount in case of life is paid. The employer chooses duration and the insurance amount in case of death and in case of life which is paid at the end of period.

Additional advantage can be connecting policy to an appropriate annex to the work contract. The life insurance policy can then be used for long-term rewards and employees’ security. In that case the insured amounts can be used for payments to the employee or his family.

Why the SG Navigator Pro?

As a manager or an owner, you choose your own route and care for each employee independently, whether it is high protection for case of death or payment after agreed work period for the company. The company is protected, and it has available funds and possiblity to pay the money received from SG Osiguranje to the employee as part of income, reward, bonus etc.

The payment of the premium can be single, whenever it is convenient for the company, or it can be paid regularly on annual basis. Premium paid by the company for insurance of the employee is directly accounted as a business cost because the company is policyholder and beneficiary at the same time. The company can, based on business decision, request payment of surrender value of the policy, e.g. if the insured employee leaves or other circumstances. The surrender value can be paid after only 6 months of paid premium.

Possibility of profit addition

Annually, depending on financial results in compliance with regulations, we will calculate available amount of profit and inform you in writing of the amount which will be added.

Fast and easy, you decide on:

• the amount in case of death
• insurance duration
• the amount you want to have available at the end of term
• payment method- a single payment or annual premium payments

You can contract policy with a minimum amount of 500 EUR for single premium or 250 EUR annually and save in period of 4 to 25 years. The insured employee can be of 18 to 65 years of age, and he personally signs the insurance contract.

Examples

Frequently asked questions

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