Permanent life insurance
Life insurance with no term limit that remains in force for the insured person's entire life. It provides financial support for loved ones when a covered event occurs and suits those who value long-term protection and stability
Who it is for
Long-term protection
You want to provide financial support for your loved ones throughout your life
Estate planning
You aim to leave financial support for your family or heirs
Financial stability
Your income allows you to consider long-term solutions with fixed terms
Lifelong confidence
You want coverage that does not depend on your age or future changes in health
How it works
Registration
You fill out a short questionnaire so we understand your situation, goals, and coverage preferences
Selection
We select several suitable options from insurance carriers so you can compare the terms
Enrollment
You choose the plan that fits, and the policy is issued. Documents and confirmation are sent to you directly by the insurance carrier
Coverage benefits
Averon
Lifelong coverage
Protection remains in force for your entire life with no term limit
Averon
Financial stability
Provides predictable, long-term support for your loved ones
Averon
Part of long-term planning
Can serve as an element of your financial and estate strategy
Averon
No renewals required
The policy does not need to be reissued or have its terms revised over time
Ongoing support
Reminders about payments and important dates
Consultations and answers to your questions
Help with renewals and plan changes
Frequently Asked Questions
The main difference is the coverage period. Permanent protection has no time limit and remains in force for the insured person's entire life, while term protection is issued for a predefined period. This makes permanent protection a solution for long-term financial stability
No, permanent protection does not require renewal or reissuance when a term expires, because the policy has no expiration date. As long as payments are kept up, the policy stays active and maintains coverage for your entire life
Yes, the benefit is paid when a covered event occurs regardless of the insured person's age, provided the policy is active and all contract terms are met. This is one of the key differences between permanent protection and term forms of insurance
Whether the terms can be changed depends on the specific insurance plan and its structure. Some parameters can be adjusted, while others are fixed at enrollment. That is why it is best to settle the important terms of your coverage in advance, before signing the contract
Term protection is designed to cover specific risks for a limited period of time. It is not intended for lifelong use and is more often applied as a solution for a particular stage of life rather than as a permanent element of long-term financial planning
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