Everyone needs security for oneself and for oneself family, foreseeing for the future and good investment for oneself money. But in the financial jungle you need a guide. We are professional consultants. Trust us and throw over the majority of your oppressions to us. You shall be much more productive if you shall think only about your job, where you are a professional and shall leave the specialists in this field to take care for you and your family.
Please contact us and you shall receive professional consultation, therewith free of charge.
Life Insurance Savings
In the field of the life insurance savings we offer programs of the three major western companies, which are presented in our market- Allianz Bulgaria Life, Grave Bulgaria AD, Uniqa Life AD. We provide this activity as partners of Global Life OOD
The advantages of currency- savings programs with risk coverage, which we offer are the following:
Security:
Works with world-famous insurance companies with long term history;
Savings programs are offered in currency - Euro or USD;
Insurance premiums are re-insured in famous re-insurance companies;
Payments are made directly in the life insurance company.
Profitability:
The programs are prepared on the principle of savings, i.e. the final insurance sum shall be received either at occurrence of insurance event, or at the end of the term of the program;
When receiving the final amount, besides you shall receive and the accumulated profitability at the moment, which in the field of life insurance is in the frame of 6-8% annually, due to the fact that the life insurance companies works with long-term securities with better profitability.
Secured risk:
The covered risks are:
- Temporary and permanent disability;
- Devastating disease;
- Death because of illness or senility;
- Death due to accident;
- Depositing of payments shall be stopped at definite % of invalidity, such all other parameters of the insurance policy shall be preserved.
Tax Alleviations:
Payments over the life insurance programs shall be deducted to the extent of 10% from the incomes of  the individuals at the moment of its payment /Art.19, par.1 of the Law for the taxes over the Incomes of the individuals (ZDDFL)/ ;
Profitability at these savings programs is free of taxes /Art.13, par.1, p.7 of the Law for the taxes over the Incomes of the individuals (ZDDFL)/ ;
In occurrence of insurance event the indemnity shall not be subject of taxation /Art.13, par.1, p.14 of the Law for the taxes over the Incomes of the individuals (ZDDFL)/ , and at the end of the term of the program only the capital amount shall be subject of taxation with single tax of 10%, if the term of the agreement is up to 15 years /Art.46, par.1 of the Law for the taxes over the Incomes of the individuals (ZDDFL)/ and with tax of 7% if the term of the agreement is more than 15 years /Art.46, par.2 of the Law for the taxes over the Incomes of the individuals (ZDDFL)/ and only for the part of the premium, for which the tax alleviation was used /Art.38, par.9 of the Law for the taxes over the Incomes of the individuals (ZDDFL)/ ;
The legal entities, if the last have made savings programs in favor of its personnel, working on labor contract or on management contract have the right to deduct from its expenses up to 720 lv.annually for each person, and the excess over this amount shall be subject of taxation with single tax of 10%, which shall also be considered as an expense /Art.208 and Art.216 of the Law for Corporate Income Taxation (ZKPO).
All programs for insurance savings shall be subject of inheritance.

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Pensions assurance

Everyone needs security for himself and for his family, foreseeing for the future and good investment for his money. But in the financial jungle you need a guide. We are professional consultants. Trust us and throw over the majority of your oppressions to us. You shall be much more productive if you shall think only about your job, where you are a professional and shall leave the specialists in this field to take care for you and your family.
Please contact us and you shall receive professional consultation, therewith free of charge.
Pension Insurance
In the field of pension insurance we offer the programs of the ING (Ai En Dzhi) pension fund.
The pension savings is the fundamental business for ING. The group possesses pension funds in more than 30 countries and manages its assets.
We offer the opportunity for insurance in:
- ING voluntary pension fund;
- ING universal pension fund;
- ING professional pension fund;
What are the advantages of the voluntary pension insurance?
- Possibility to secure future incomes for you of your relatives;
- Possibility to receive additional pension;
- Possibility to persevere the standard of life and after retirement due to pension;
- Effective way for savings with good profitability;
- Secure investment of your money.