Term life insurance alongside a loan, for family protection or as a company benefit. The question is not just whether you need it – but also how big a net you need, and at what price. If it turns out that taking out cover now isn't the right move, I'll say so too. I help you answer that impartially.
🎮 Plan Tower – every floor is a plan, and the protection level holds it!
Loan, income replacement, education – we calculate the cover that genuinely protects.
Group life and accident insurance is an attractive, tax-efficient benefit – on request I run that competition too.
Life changes – the cover must follow.
20 minutes by phone or video: your situation, your goals, your budget. Free of charge, with no obligation.
I collect offers from the relevant insurers and hand them over in a single, easy-to-read table – strengths and weaknesses included.
You decide, I handle the paperwork. If you have a question later or your situation changes, let me know – and when a claim comes, I help you get started.
The former quick guides have grown into a full knowledge base: basics, sizing the cover, types and riders, the health declaration, beneficiaries and inheritance, life situations, claims, checklists – searchable with the magnifier button in the header.
Not a guess and not "whatever fits the budget": the right sum can be calculated from the loan, the outgoings and the plans – with a worksheet.
Read it →One is pure protection, the other protection and savings in one – which form serves which goal.
Read it →The credit protection offered at the bank is convenient – but not the only route. It pays to see two offers.
Read it →Honest, accurate disclosure is not a risk: it is what prevents the insurer from later invoking a breach of the duty of disclosure to avoid paying out.
Read it →Life insurance's quiet superpower: the payout typically falls outside probate – if the designation is in order.
Read it →Insurance for the dreaded diagnoses pays while you live – but works with strict definitions. Understand them before signing.
Read it →Loans, the family’s annual expenses and the years of income to replace add up together – plus education, if that is a goal. We size it from your numbers, not from a rule of thumb.
Pure term cover has no savings component, so the same premium typically buys a significantly higher sum insured: high sum, low premium. Savings goals are often more efficient in a separate vehicle – it pays to separate the two deliberately.
Individual policies typically require a declaration, and higher sums may need an exam. In a corporate group frame, however, there is typically no individual underwriting – see csoportos.biz.
No: you can typically choose the cover freely; the bank’s requirement is the beneficiary/assignment clause. Competition often yields better terms.
Life changes: loans shrink, children arrive, income grows. At the renewal date, if you let me know, I review the sum and the premium – the cover should follow your life, not the other way round.
More aids – checklists and guides – on the Resources page.
Panni, Boti and little Bogyó – the net is invisible, yet it holds the whole family.
As an independent broker I make insurers compete for you – not the other way round. My advice costs you nothing.
elet.biz is the information and quote-request page of Emánuel Dávid Tukacs, independent insurance broker. As a broker I act on the client's behalf: I compare offers from several insurers, and the decision always rests with the client. My advice is free of charge to the client – the brokerage remuneration is paid by the insurer.
