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What is life insurance?

Life insurance protects you and your family against serious financial impact caused by illness, permanent injury consequences, disability, and death. Its main purpose is to keep your household financially stable during long-term health events.

Pure risk life insurance focuses on health-related risks and does not include investment or savings components. This is exactly what you can compare and arrange with us. You can choose from multiple insurer offers and immediately see expected pricing.

How to find the best life insurance

You do not need to visit insurer branches to find quality life insurance at a good price. Use fast online comparison. We recommend suitable risk covers and insured amounts based on your data and can adjust everything to your preferences.

Need to protect your family if something happens to you? Want coverage for work incapacity? Our life insurance specialists will help you set it up correctly.

How life insurance comparison works

Online offers for life and personal insurance from multiple insurers are hard to find in one place. We show tailored offers immediately based on your profile.

1
Input

To prepare tailored offers, we ask a few questions about your profile and life situation. These inputs directly affect both recommended coverage and price.

2
Online calculator

Based on your inputs, we generate tailored offers within a minute. You get a clear comparison from multiple insurers sorted by price.

3
Choose coverage

Review offers and detailed parameters. If needed, you can adjust setup yourself or add extra risks.

We cover what matters most

Life insurance is our specialty. We help you set it up correctly for your situation. See what risks life insurance can cover.

Disability

Disability protection is a core part of life insurance. The insured amount should be set so you can maintain your lifestyle until retirement if disability is recognized.

Do not skip disability coverage from all causes. In most cases, disability is caused by illness, not accident, so accident-only coverage is not enough.

Critical illnesses

If an illness requires longer treatment or hospitalization, this cover helps with higher treatment costs and temporary income loss.

Covered critical illnesses usually include many cancer diagnoses, stroke, heart attack, and other serious conditions that require quick financial support.

Death benefit

Death coverage protects your family if the insured person passes away. The insured amount should be high enough to keep the household financially stable.

Ideally, no unpaid obligations should remain, such as mortgage or other loans. The correct amount depends on expenses, liabilities, and family situation.

Permanent accident consequences

Severe injuries, and sometimes even seemingly minor ones, can leave permanent consequences. This cover protects both major and smaller but limiting mobility damage.

Payout depends on the percentage of permanent impairment. The more severe the impairment, the higher the payout.

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Work incapacity

If accident or illness keeps you out of work for weeks or months, you can lose regular income.

Work incapacity insurance helps cover that gap. It is useful for employees with limited sick pay and for self-employed people without statutory coverage.

How does well-set life insurance look?

Klara
Klara
32, single
PAYS CZK 660 MONTHLY

Klara works in banking. Her net monthly income is CZK 30,000 and she also saves regularly. She has a mortgage with around CZK 3,000,000 remaining and monthly expenses of CZK 25,000.

Our recommendation

Klara is single and has no dependents. How should her life insurance be set up correctly?

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Petr
Petr
40, father of two
PAYS CZK 1,700 MONTHLY

Petr lives with his wife Jana in an apartment purchased with a CZK 5,000,000 mortgage. CZK 4,500,000 remains. Petr's monthly expenses are CZK 40,000 and his net monthly income is CZK 50,000.

Our recommendation

Petr wants insurance set so his family of four is financially protected if something happens to him.

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Honzik
Honzik
6, preschooler
PAYS CZK 330 MONTHLY

Honzik is an active child who loves sports. His mother Tereza chose life insurance to protect him against health risks, including both accidents and illnesses.

Our recommendation

Honzik's policy combines accident and illness coverage tailored to his age and active lifestyle.

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