VAT no. 04079600047
LOVIA TWIN IS THE UNIQUE AND INNOVATIVE SOLUTION IN ITALY THAT PROTECTS YOU TWICE: IN CASE OF ACCIDENT AND ILLNESS, WHICH CAUSES A PERMANENT SPECIFIC WORK DISABILITY1 AND IN CASE OF PREMATURE DEATH.
It is dedicated to all those who want to preserve the standard of living achieved thanks to their professionalism and wish to protect their loved ones such as: self-employed professionals registered with professional associations and their respective pension funds, private and public employees with permanent contracts2.
Why choose Lovia Twin
A UNIQUE AND INNOVATIVE SOLUTION IN ITALY
FREEDOM OF CHOICE
TAX BENEFITS
Freely choose the amount to insure3 for each of the two events, the duration of the protection, and whom to protect: your family members or other loved ones. Over time, you can change the choice of beneficiaries.
The amounts paid out to beneficiaries for both benefits are not subject to taxation (they are exempt from IRPEF4), and cannot be seized or attached5. The amount paid out in the event of premature death is not included in the estate. In addition, it is possible to deduct 19% of the amounts paid for death coverage and a portion of the amounts paid for supplementary coverage up to a maximum annual premium of 530 euros6 for tax purposes.
Only with Lovia Twin do you have two capitals available to protect yourself and your family: in case of accident and illness, which result in a specific permanent work incapacity1 and in case of premature death.
To activate Lovia, simply choose the beneficiaries, the amount to be insured, and the duration of the coverage. Furthermore, 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.
THE PERFORMANCE OF LOVIA TWIN
ACCIDENT OR ILLNESS RESULTING IN WORK INCAPACITY1
Lovia Twin pays out the insured capital if it is no longer possible to permanently carry out your specific work activity, because your physical and/or mental abilities decrease due to illness or accident, making you unable to continue your work.
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PREMATURE DEATH
Lovia Twin pays out the insured capital in the event of premature death.
Note
1 Accident and/or illness that results in a specific permanent work incapacity which leads to the termination of the professional activity declared in the Proposal (or subsequently, in case of changes).
2 Excluding non-insurable professional activities as defined in the insurance conditions
3 For specific permanent work incapacity, the maximum insurable capital cannot exceed the amount of capital chosen for the Death Case guarantee.
4 According to the tax regime in force as of September 2023.
5 Within the limits provided by current legislation pursuant to art. c.c. 1923.
6 Maximum deductible premium limit 530 euros, which becomes 750 euros if the death case beneficiary is a family member with severe disability. The deduction applies to the entire amount if the total income does not exceed 120,000 euros. Tax regime in force as of September 2023.
WARNING
Advertising message for promotional purposes. Before subscribing, read the Lovia Twin information set at our agencies and on the allianz.it website. The product may include limitations and exclusions.
INFORMATION SETS
P.iva 04079600047