NEW PRODUCTS FROM DDOR NOVI SAD LIFE INSURANCE PROGRAM
Life is a Premium
Life insurance is an investment into our own future and the future of our dearest ones, preserving moments spent together in easiness. Provide a high quality education, afford a dream wedding for your child, make his or her initial investments easier (purchasing an apartment, first car, computer, mobile phone)... DDOR Novi Sad Life Insurance Policy offers you the possibility to ensure your own security and the security of your family by planned investments of your means

DDOR Novi Sad provides all kinds of insurance – besides classical property, people, crops and fruits, animals, liability, transport and loans and motor vehicles insurance, life insurance is becoming more popular. During 2009, this company launched two new term life insurance group products: VIP Life and Popular Risk Life Insurance. In the following period, they will also offer two completely new products from the credit life insurance program: No Risk and Child Insurance.

VIP LIFE

Do you know that during last year only more than 58.000 people have died in Serbia from cardio-vascular diseases, and more than 20.000 from tumors?
Everything you have heard about the fatal influence of stress and fast pace of life is true. We cannot change our environment, the social system… However what we certainly can do is change ourselves. The happiness of our beloved ones depends on us – show your dearest people how much you care for them.
In accordance with the changes of the way of life and circumstances, DDOR Novi Sad creates products to satisfy your needs and influence the resolving of potential problems beforehand. Thus, VIP LIFE insurance was created.
VIP LIFE insurance provides coverage for death and serious illnesses such as heart attack, cancer, stroke, kidney failure, paralysis, blindness…
A special characteristic of VIP LIFE insurance is the stipulated insured sum paid after the occurrence of the harmful event. It amounts from 100.000 to as much as 1.000.000 EUR.
The insurance premium is paid in Euros and the payment dynamics is determined by you, in accordance with your possibilities. The insurance is concluded after an obligatory medical examination and may last 5 to 20 years.

Example – VIP LIFE

Example – VIP LIFE +

POPULAR TERM LIFE INSURANCE

The popular term life insurance is intended for all citizens, who, by using this kind of insurance, provide financial security for their family and their dearest ones in the most difficult moments, when it is truly necessary.
Term programs are intended mainly for people with an emphasized feeling of social responsibility and care, as well as for people who consider the material security of their family extraordinarily important. Should a risk occur, the beneficiaries, respectively persons whom the beneficiary states as the user, shall be indemnified with insured sums of up to 10.000 EUR.
The main advantages of this kind of insurance are mainly in the simple entry and policy conclusion procedure. Having in mind the fact that term life insurance provides coverage only for death, it is logical that the main feature of this program are its popular prices, whereas high insured sums are provided from small premium amounts.
The popular term life insurance policy can be concluded by anyone of 14 to 65 years of age, and the insurance expires not later than at 70 years of age. The minimum duration of the insurance is 5 and maximum is 20 years. Insurance is concluded without a medical examination and detailed questionnaire on the policyholder’s medical state.
The insurance premium may be paid monthly, annually or as single payment.
The potential client determines the amount of the insured sum, depending on the client’s economic abilities and his or her selection of the level of security he or she would like to provide to the dearest ones.

Example – POPULAR TERM LIFE INSURANCE

NO RISK

Are you looking for security and simple investing? Are you looking for additional security for your savings?
This is exactly what our No Risk program is offering.
The No Risk program is life insurance in case of survival with which you both save and have insurance. By investing into the No Risk program, you accumulate your own means and after the expiry of the insurance period receive the stipulated insured sum along with the realized profit.
This program is ideal for all those seeking security and simple investing because it guarantees the safest savings, high insured sum and possibility of receiving high profit.
The No Risk program guarantees an annual savings interest of 3% and the insurance can be concluded for 40 years. This way you can have flexible long-term saving and determine the sum of savings by yourself, in accordance with your needs.
We are forming a special fund for the No Risk program means. They are invested in a special way, all for the purpose of realizing the highest possible profit for the policyholders.
Along with the No Risk program, it is possible to purchase additional insurance for the case of complete and permanent disability. If case this would occur, the insurance company would take over the payment of further premiums, as well as the obligation to pay the insured sum after the expiry of the insurance period.
In case of the policyholder's death in the first year of insurance, the insurance company pays the premium paid up to then, and in case of the policyholder's death after the first year, the insurance company pays the up to then paid premium and the added profit.

CHILD INSURANCE

Start today and ensure a starting capital for your children and grandchildren to help them achieve their life goals.
Think about the future of your youngest ones and ensure the necessary financial means for them now, so they would be able to use them to realize their dreams more easily when the time comes.
This insurance program enables you to save the amount you wish during the concluded period through payments of insurance premiums (in the amounts acceptable for you), which will be paid to your child after the expiry of this period.
Let your little future doctors, managers, successful businessmen, have ready financial means when they step into their life independently, for the needs of further education, for purchasing a car or apartment!
DDOR Novi Sad will prepare an adjusted program of Child Life Insurance with the aim of ensuring a happier and safer future of children.

All life insurance programs are based on long-term trust and security, which only economically strong and financially stable insurance companies can guarantee. As a company supported by significant material, financial and staff potentials, DDOR Novi SAD is oriented towards the quality of services and development of new products, fully respecting economic and market principles.
By accentuating regular, correct and professional payments of its obligations towards its policyholders, DDOR Novi Sad (looking through the prism of business success indicators) continues confirming its leading position and the position of a stable insurance company in the insurance market each day, and as such guarantees security and trust.
Life is a race, and there is no reward at its finish line. The reward is life itself. Think about a high quality insurance of your life.