Life insurance is your financial safety net
Life assurance is a product designed to provide payment of a sum of money in the event of the death of the Life Assured. You would typically require a life assurance policy for protection, savings or a combination of both. In other words, there are policies which help you save money, other policies which protect you and policies which do both.
Level Term
Level Term Life Insurance provides a fixed amount better known as the sum assured, which will become payable upon death of the insured if it occurs within the fixed term (duration) of the policy.
Decreasing Term
(Loan Protection Life Insurance)
This type of life insurance is normally a necessity when arranging a bank loan. This product reduces over time to align with the associated debt. Due to its characteristics, this product is naturally cheaper than the Level Term Life Insurance.
Whole of Life Policy
Whole of Life Insurance is typically a Life Insurance that is intended to cover you for life. The Cash value build up allows you to borrow against such policy. A Whole Life Policy normally pays a lump sum payment on death as well as in case of diagnosis of terminal illness.
Various Savings Plans
There are various types of Savings Plans available in the Insurance Market. These plans allow you to save on a regular basis. One main feature that a customer should look for is flexibility i.e. the customer would be in a position to decide how much to save, even having the possibility to change the amounts in the future.
Please fill in the following form to make a
Life Insurance Claim:
Please fill in the following form to ask for a
Life Insurance Quote:
Frequently Asked Questions
When should I purchase my Travel Insurance?
We advise you to purchase Travel Insurance as soon as you purchase your trip, be it partial or full payment. This will ensure you are immediately protected.
Can I buy Travel Insurance when already abroad?
The absolute majority of Insurers will not be in a position to issue an insurance policy when already abroad – you should always purchase your insurance before departure from Malta.
Can I get a refund on my Travel Insurance Policy I purchased?
Most Insurers will refund your premium within a specific time limit from date of issue, if you find that the policy does not meet your specific requirements, also provided that no claims have been made. You would be required to return the documentation given to you.
Am I covered for skiing and similar sports?
The absolute majority of all travel insurance policies can be extended to cover you for skiing and similar winter sports. You would normally be required to pay an additional premium for such cover.
Will I be covered for any pre-existing medical conditions?
Pre-existing medical conditions are typically never covered by any travel insurance policy.
Is there any limit to the duration of my holiday?
Most standard travel insurance policies have specific limits of duration – these normally vary from one insurer to another. Most common limits are six or nine months. There are Insurers who can also provide Annual Travel Insurance Policies.
All you need to know
Switch with VING
Most people always have doubts as to whether they are getting the right insurance cover or paying the right premium. The process of obtaining various quotations from different insurance companies in order to compare the different aspects of cover as well as premium might be too complex or time consuming, so they end up never making the switch.
This is where VING comes in – we are Insurance Brokers, and that is our job. We will obtain various quotes from different Insurers, analyse them and advise you on the various aspects of cover and premium. You will not incur any additional costs at all by using our services. We get paid by means of commissions payable by insurance companies or agencies we place business with.
When to switch
Customers normally think about switching insurance companies when their policies are up for renewal.
We advise you otherwise – you don’t have to wait – Switch to VING today.
All you have to do is appoint us as your Insurance Brokers – we will take over all your current insurance policies as well as assist you with any active claims you might have. Once your policies are up for renewal, we will obtain other quotations on your behalf and get you the best possible cover at the most competitive rates.
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