Life Insurance
Planning for the future is one of the most important steps you can take to ensure the financial security of your loved ones. At Schreiber Associates International (SAINT), we understand the unpredictable nature of life. Our life insurance solutions are designed to provide peace of mind by offering financial protection for your family and beneficiaries in the event of illness, disability, or death.
Life insurance can be a cornerstone of your financial strategy, helping to cover outstanding debts, mortgages, and daily living expenses. It’s essential to assess your specific risks and determine the level of coverage that best suits your needs. As a general guideline, many financial planners recommend a coverage amount of ten times the wage earner’s annual income, but the actual figure should account for your personal circumstances, such as age, dependents, assets, and liabilities.
We’re committed to helping you explore the many life insurance options available to you and finding the most suitable coverage for your unique situation. For a personalized assessment of your life insurance needs, please contact us to arrange a detailed appraisal.
At SAINT, we offer Atlas Life, a well-established international life insurance solution in collaboration with a renowned life insurance group specializing in high-value life cover for clients around the world. Our partnership ensures access to global life insurance expertise backed by Swiss Re and Reinsurance Group of America, two of the largest and most stable reinsurers worldwide. This reinsurance provides you with confidence that your policy remains secure and reliable.
The Atlas Life product range offers a variety of cover options tailored to meet your needs:
• Life Cover: Our primary benefit pays a lump sum to your nominated beneficiaries in the event of your death, helping to maintain their standard of living and cover financial obligations.
• Critical Illness: An optional benefit that provides a lump sum payment if you’re diagnosed with one of the specified critical illnesses, easing the financial burden during a difficult time.
• Disability: This optional benefit offers a lump sum payment if you become disabled due to an accident or illness, helping to support your family during your recovery.
• Terminal Illness: If diagnosed with a terminal illness with less than 12 months to live, we will pay out the full life cover in advance.
• Indexation: To keep your cover in line with inflation, you have the option to increase your sum assured by 5% annually.
• Medical Second Opinion: Free access to world-class specialist hospitals and clinics, ensuring you get the best possible care with alternative consultations and treatment plans.
Whether you’re planning for the future of your family, business, or estate, life insurance is a crucial component of financial planning. A policy can be structured to provide tax-efficient benefits to your beneficiaries, ensuring that their living standards are maintained, and outstanding debts are cleared.
We aim to build lasting relationships with our clients, offering a prompt, personalized service at all stages—from underwriting through to claims. All your personal information is securely managed in accordance with GDPR standards, ensuring your data is kept private and confidential.
Contact us today to learn more about how our international life insurance policies can provide financial security and peace of mind for you and your family. Our team is ready to assist with a comprehensive, detailed appraisal tailored to your unique needs.