One event can become a line dividing life into before and after. An unfortunate fall from a bicycle, an injury at work, or a serious illness can lead to partial or complete disability with the assignment of a disability. Life and health insurance provides financial support in the event of adverse life circumstances and allows you to live confidently in the present.

The term “disability” is understood as a stable violation of any body functions that prevent a person from fully living and working. A person with disabilities finds himself in a dependent position and learns to overcome various barriers: physical, psychological and social. Disability is a real situation in which millions of people find themselves.

The risk cannot be controlled, but you can protect yourself from significant financial losses arising from its occurrence if you conclude a life insurance contract.

If, as a result of an accident, a person is assigned I group of disability, the insurance company pays 100% of the sum insured. This means that the client will receive the entire amount that he planned to accumulate, regardless of how many contributions he made before the insured event.

If the disability of group I or II in the insured person occurs as a result of an illness (for example, diabetes mellitus has become insulin-dependent and has led to loss of vision, kidney failure, ulcers on the hands and feet), the insurer refunds all premiums paid on the moment of occurrence of the insured event. In addition to the amount received, the accrued additional investment income is paid for the period of the program until the occurrence of the insured event.

Thus, HOA programs keep the financial interests of a person safe and protect in the event of adverse life situations.