VAT no. 04079600047
LOVIA IS THE PRODUCT THAT, IN CASE OF PREMATURE DEATH, OFFERS THE PEOPLE YOU LOVE AN IMPORTANT CAPITAL TO GIVE CONTINUITY TO THE DREAMS AND PROJECTS YOU SHARED WITH THEM.
A responsible choice, to safeguard their standard of living. A small gesture with great meaning, which gives you the freedom to live peacefully.
Why choose Lovia
AVAILABLE CAPITAL
PROTECTED CAPITAL
DEDUCTIBLE PREMIUM
In the event of prior death, the capital is not included in the estate, nor
in the taxable income for IRPEF purposes.¹
The capital cannot be seized or attached, within the limits provided by current legislation (pursuant to art. c.c. 1923).
With Lovia you can deduct 19% for tax purposes on a maximum annual premium of 530 euros.²
To activate Lovia, simply choose the beneficiaries, the amount to be insured, and the duration of the coverage. In addition, Lovia is now even more convenient for customers who, before subscribing, choose to undergo a medical check-up that shows good health.
Lovia Decreasing
This solution is suitable for those who have a financial commitment that decreases over time, such as a home mortgage. Lovia Decreasing costs less because the insured capital decreases over time, and the amount paid out could help heirs repay part of the remaining debt.
The extra advantage
With Lovia you can ensure business continuity in the event of your sudden absence or that of one of the partners. An event that may require the liquidation of the company share to the heirs (art. 2284 c.c.3).
CAN WE HELP YOU?
Contact us and request assistance on any product offered. A qualified agent will be at your disposal to answer all your questions.
Note
¹Based on the tax regime in force as of May 2022.
²The indicated tax deductions are available, according to the regulations in force, if the insured is the policyholder or is fiscally dependent on them; the maximum deduction limit cannot be exceeded in the presence of other possible premiums for life or accident insurance. The maximum deductible premium is 530 euros, which becomes 750 euros if the beneficiary in the event of death is a family member with severe disabilities. The deduction is due for the full amount if the total income does not exceed 120,000 euros. Tax regime in force as of May 2022.
Benefits may include deductibles and/or excesses in the event of a claim, limitations and/or exclusions.
The acceptance of the contract is subject to a health questionnaire. For insured amounts over 400,000 euros or at 65 years of age, a medical examination is mandatory. In some cases, a surcharge may be applied.
Warning
Advertising message for promotional purposes. Before signing, read the information sets available on the website.
INFORMATION SETS
VAT no. 04079600047