Premium Refund Life Insurance (Interest-Free, Foreign Currency Indexed)

Secure your future, and get your premiums back.

Meet our Return of Premium Life Insurance (Non-Interest, Foreign Currency Indexed) product to protect yourself and your loved ones against the uncertainties of life.

Premiums are evaluated in profit-sharing (interest-free) accounts.
Both the premiums and coverage amounts are determined in USD*.

*In accordance with Turkish Law No.1567 on the Protection of the Turkish Currency, the coverage and premium amounts are specified in foreign currency; however, all premium and benefit payments are made in Turkish Lira, based on the Central Bank of the Republic of Türkiye's effective USD selling rate announced one day prior to the payment date.

Coverage Details

  • Death Coverage: If the insured person passes away during the policy term, the death benefit is paid to the beneficiary(ies) named in the policy.
  • Survival Coverage: If the insured is alive at the end of the policy term, no death claim has been paid, all required premiums have been paid as per the Insurance Contract and Special Conditions, and the policy has not been terminated during the coverage period, then the total of all paid premiums is refunded to the policyholder.

-Individuals between 18 and 61 years of age.

-The sum of the insured’s age at policy entry and the policy term must not exceed 71 years.

A long-term policy exceeding one yearMinimum: 10 years, Maximum: 20 years

Coverage amounts vary depending on the insured’s age and premium size.

Death Coverage

Survival Coverage (All paid premiums are refunded if no death occurs during the term.)

Premiums can be paid:

  • Monthly
  • Quarterly
  • Semi-annually
  • Annually

Advance payments (early payments) are not permitted.

Monthly Minimum: $50 USD

Annual Minimum: $600 USD

This policy is valid worldwide.

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