Risk life insurance tied to the KB mortgage loan – Examples

The risk life insurance Pyramida was particularly designed in order to secure clients´ loans of Modrá pyramida or mortgage loans of Komerční banka. This insurance will protect you and your family if any unfavourable events occur. In cases you are not able to repay your loan, the insurance company will pay it instead of you. You and your loved ones will have a secured living without more financial worries.

Example 1:
A man aged 45 is considering buying a new piece of real property. He intends to finance a part of its price using a mortgage loan in the amount of CZK 1,000,000 with the loan maturity of 15 years. In order to secure his family, he chooses the complex insurance option covering all the risks – death, total disability, working inability and loss of job. His monthly expenses will thus increase by only CZK 450.

Example 2:
A couple aged 40 is applying for a mortgage loan in the amount of CZK 1,500,000 with maturity of 20 years. They contribute by an equal share to their household´s total income and therefore they both decide to take out an insurance policy. They will use the opportunity to arrange the insurance for covering a part of the loan and each of them will cover with his/her insurance one half of the loan. They will select the middle option, i.e. the insurance against death, total disability and working inability. The total premium for two persons will be only CZK 676.


How to arrange the insurance

You can obtain our products at any branch of Komerční banka. For more information call the Client Service of Komerční pojišťovna using the free Info Line 800 10 66 10.

Insurance terms and conditions

Information for Persons Interested in Insurance and Insurance terms and conditions are available only in czech language.