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Life Insurance Company 'Astana Finance"Insurance policy cost is small. For loan borrowers it is a possibility of full loan repayment by Insurer in case of loss occurrence (death as a rule). Life insurance is made for certain period and by minimal contribution. It guarantees financial support for the family of the insured in case of loss occurrence. For loan borrowers the insurance period is loan contract duration. In case of loss occurrence the Insurer takes all risks of full loan repayment within insurance amount. ü Light life
3. Light life – Accident insurance, including loan borrowers. This product is worked out as financial support in case of accident occurrence. Insurance policy cost is minimal. For loan borrowers it is a possibility of installments repayment in case of accident occurrence. Accident insurance is made for certain period and by minimal contribution. It guarantees financial support for the family of the insured in case of accident occurrence. For loan borrowers the insurance period is loan contract duration. In case of loss occurrence the Insurer takes all risks of loan repayment until borrower’s work ability recovery or full loan repayment. Employee 4. Employee – Annuity insurance in accordance with RK Law “About Employer’s Liability Compulsory Insurance”. This product is worked out for the purpose of RK Law “About Employer’s Liability Compulsory Insurance (“Law”) implementation”. The Law provides two-stage insurance process. On the first stage the employer makes compulsory insurance contract between employees and insurance company in the area of “general insurance”, having license of authorized body. On the second stage in case of loss occurrence such as life and health damnification (disability or death) due to the fault of the employer results in the employee’s earnings loss, the employer has to make annuity contract with insurance company in the area of “life insurance” in favor of the employee or his dependants. Under annuity contract the employee or his dependants will receive insurance payments at the rate of earnings lost. The dependants are persons having right according to the Law for compensation in connection with earner death. The annuity contract by serial (annuity) insurance payments provides employee’s earnings lost. ü My years – my wealth
5. My years – my wealth is pension insurance in accordance with RK Law “About pension provision in Kazakhstan” This product is worked out for the purposes of RK Law “About pension provision in Kazakhstan” (“Law”) implementation. According to the Law pensioners with pension age have the right of getting pension savings from retirement pension fund or from insurance company based on pension annuity contract. This contract is made at pension savings sufficiency. The main objective of pension benefits from insurance company is life-time pension payments for the pensioner. During payments from National Pension Fund pension savings are calculated until 80 years old reaching, however it is obvious that the person can survive fixed age (percent of this event is high) and at that time payments from National Pension Fund will stop due to full pension savings depletion. In this case pensioner will depend on himself and his savings. Person, making pension annuity contract is free in selection of insurance company. According to the items 1 and 2 of the Law article 31-1 the following persons have the right to make pension annuity contract for life-time period with pension savings use formed due to compulsory pension contributions: 1) men of 63 years old and women of 58 years old; 2) citizens lived in extreme radiation risk zones during 29.08.1949 - 05.07.1963 not less than 10 years: - men of 50 years old with experience not less than 25 years; - women of 45 years old with experience not less than 20 years. 3) women gave birth to 5 or more children and brought them up till 8 years old upon 50 years old reaching with further fixed pension age increase by 6 months every year from the beginning of July 1, 1998, but no more than 3 years in general; 4) first and second group disabled persons, if disablement is unlimited; 5) 55 years old reaching and pension savings sufficiency for payments provision not less than minimum pension rate. The following persons have the right to make annuity pension contract for the period of pension age reaching (men till 63 years old, women till 58 years old): 1) military men (except army conscript), law enforcement officials and Correctional System Committee of the Justice Department of the Republic of Kazakhstan, Financial Policy and State Fire-Fighting Service bodies with special ranks and order established by legislation of the Republic of Kazakhstan with use of no more than 50% of their pension savings formed due to compulsory pension contributions; 2) persons of 50 years old with use of pension savings due to voluntary professional pension contributions. At that time monthly insurance payment from insurance company can’t be lower minimal pension rate fixed by law about republican budget for relevant financial year as on the date of pension annuity contract conclusion.
Our contact information
Head office: Almaty, Tole bi st., 142 corner of Bayzakov st., 3rd floor Tel.: 8 (727) 378 00 08 Fax: 8 (727) 378 00 03
District representatives:
Ahmetova Dinara Kayratovna Astana, tel. 8-705-564-26-20
Dauletova Gulshat Elubaevna Atyrau, tel. 8-701-768-47-03
Koylibaev Anatoly Yurevich Kyzylorda, tel. 8-777-383-11-54
or in branches of Microcredit organization Astana-Finance LLP in your town.
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