Protection for Din Familj.
Beräkna the right coverage amount for your term life insurance. Tailored to your individual needs.
This is a rough estimate for term life insurance of 500.000,00 € with a term of approx. 20-30 years.
**Tip:** A "cross-insurance" arrangement for unmarried couples saves inheritance tax. Each partner insures the other's life.
Risklivförsäkring: How Much Täckning Do You Need?
A term life insurance provides financial security for your dependents in case of your death. Den right coverage amount depends on your income, debts, and family situation.
Inkomst Protection
As a rule of thumb, coverage should be 3-5 times your annual gross income. This ensures your family can maintain their standard of living for several years.
Debt Täckning
Outstanding loans, especially mortgages, should be fully covered. I case of death, the insurance pays off the remaining debt so your family can keep the home.
Cross-Insurance for Unmarried Couples
Unmarried couples should consider cross-insurance: each partner insures the other's life. This way, the payout goes directly to the surviving partner without inheritance tax - since unmarried partners have only a 20,000 euro tax-free allowance.