We are a family with children

The most important priority for parents is to take care of their children and ensure their future. Each family member has unique needs that can change over time. NOVIS offers one contract suitable for the entire family for life.

  • One contract for all family members (less worries, less fees).
  • It is not necessary to have any kind of marriage or other law or biological relation.
  • It is possible to be insured from birth.
  • Each family member can be insured for an individual set of insurance risks most suitable to him/her.
  • Terms and conditions of the contract can be amended according to changes in the client’s life situation (e.g. the number of insured persons, insurance risks, the amount of insurance coverage) free of cost.
  • Every contract includes the possibility of financial childcare (scholarship, dowry, etc.) thanks to the advance payments of an insurance benefit or partial surrenders.
  • Liquidity of the balance of insurance account – clients have access to their resources anytime and especially in difficult times (some restrictions may apply according to the General Terms and Conditions).

And, you are also eligible for all the rest of NOVIS’ advantages and innovations. Find out more!

I have a mortgage or other loan

Do you need life insurance to secure your loan? Choose NOVIS’ innovative product. It covers a wide range of insurance risks, ensures you a decent pension, and preferably elevates your saved funds.

  • The funds on the insurance account can be converted into a life annuity at any time and without payment of levies and the insurance coverage continues.
  • The insurance account and thus also a potential pension increase thanks to the NOVIS Loyalty Bonus.
  • In addition, the client can determine who will be paid a pension – him or herself, and/or other persons.

And, you are also eligible for all the rest of NOVIS’ advantages and innovations. Find out more!

I’m single / We’re a couple building a future

Think about your future right now and secure a decent income through innovative life insurance, which also elevates your saved up funds. And if you start a family later, your contract can be changed flexibly to fit your new needs – with zero additional cost.

  • One contract for more people without any required relation between them and with individually set risk coverage.
  • Terms and conditions of the contract can be amended according to changes in the client’s life situation (e.g. the number of insured persons, insurance risks, the amount of insurance coverage) all free of cost for processing the change.
  • Through an insurance policy, you can also ensure a decent pension:
    • The balance of the insurance account can be converted into a life annuity at any time and without payment of levies.
    • The insurance account and thus also a potential pension increase thanks to the NOVIS Loyalty Bonus.
    • In addition, the client can determine who will be paid a pension – him or herself, and/or other persons.

And, you are also eligible for all the rest of NOVIS’ advantages and innovations. Find out more!

I’m self-employed with a small business

Find the most effective solution for your future. NOVIS offers a complete solution that protects you, appreciates your funds, and ensures you and your loved ones a decent pension.

  • One contract that keeps your life and pension ensured:
    • Funds saved on the insurance account can be at any time and without payment of levies converted into a life annuity and the insurance coverage persists.
    • The insurance account and thus also a potential pension increase thanks to the NOVIS Loyalty Bonus.
    • In addition, the client can determine who will be paid a pension – him or herself, and/or other persons.

And, you are also eligible for all the rest of NOVIS’ advantages and innovations. Find out more!