Protecting income and family

Life insurance in Bratislava

Bills continue when income stops. We tailor risk life insurance to your income, commitments and reserves.

We focus on protection without a savings component or unnecessary add-ons. The aim is to help your household cover expenses and repayments after an insured event.

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Explore your own scenario

How long could your budget cover an income interruption?

Start with essential costs and reserves. This model shows a budget gap, not a recommended insured sum.

Your current budget
Net monthly income—
Essential monthly expenses—
Income less essential expenses—
Complete loss of income
Monthly shortfall for essentials—
Reserve covers approximately—
Expenses over the selected period—
Reserve used in this model—
Unfunded portion—

Assumes complete income loss, no other income or benefits, and unchanged expenses. This does not quote insurance or establish entitlement to a payout.

Four different situations. Four different questions.

Death

Which commitments and expenses would your family face?

Disability

How would a lasting income change affect your plans?

Critical illness

Which diagnoses and conditions does the contract include?

Permanent injury

Which additional costs could lasting injury cause?

Each risk has its own definitions, exclusions and conditions. Accident cover alone does not replace disability cover for illness.

How it works

From questions to a decision

  1. 01

    Tell us what matters

    We establish your goal, budget and questions.

  2. 02

    Compare options

    We review costs, conditions and limitations.

  3. 03

    Understand the recommendation

    You will know why an option is worth considering.

  4. 04

    Take the next step

    We agree on documents, arrangements and ongoing support.

What to prepare

  • Existing insurance agreements
  • Income, commitments and reserves
  • Questions about current coverage

Individual terms matter

Price depends on age, health, coverage and insured sums. We compare necessary protection and cost. Payouts follow definitions, exclusions and policy limits; not every interruption of income is covered.

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Services

Good questions. Clear answers.

Is accident cover the same as disability cover?

No. Disability requires a separate review of causes, definitions and payout conditions.

Does insurance cover every diagnosis?

No. Agreed definitions, conditions and exclusions determine coverage.

What should I avoid sending initially?

Sensitive medical information and documents. We agree on necessary records separately.

Does life insurance always replace all income?

Not automatically. Insured sums reflect your budget, but entitlement and payout depend on the insured event and contract terms.

Start with a conversation

What would you like to resolve?

Contact us directly or prepare a message. We will agree on the topic and a time to talk.

0918 835 525martin.mikolasek@simplea.skPrievozská 1318/14
821 09 Bratislava

Meetings by appointment.

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martin.mikolasek@simplea.sk · 0918 835 525

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