Credit Life Insurance

Security for you and your loved ones  

Find the solution you need
Each year more than 90% of the employed people take a sick leave. 250 000 of them do not manage to recover their health within 3 months. Medical treatment in Bulgaria is expensive and therefore in such hard circumstances people have real difficulties to meet their loan obligations.
What we offer is a solution to this problem- to cover your monthly installments for a fixed period of time.

Why should I choose Credit Life protection?

  • Security for you and your family at unfortunate circumstances
  • Protection against debts
  • Customized individually to your specific needs
  • Affordable protection wrapped in your loan
  • Easy payment (payments are made at the same time as loan installments on the loan)
  • Best personalized full protection on the market

What I need to know about Credit Life?

This protection is offered as part of the credit application and its purpose is to minimize the risk of debt for the borrower in case of bad events such as death or disability.
All types of loans can be covered – consumer, housing, mortgage, student loan, POS, etc. Guarantees, customized according to clients’ needs, are grouped in packages with different levels of protection.

What are the risks covered?

  • Death in case of sickness or accident
  • Total and Irreversible Loss of Autonomy in case of sickness or accident
  • Permanent Total Disability in case of sickness or accident
  • Temporary Disability in case of sickness or accident
  • Loss of employment, provided by Komerční Pojišťovna (KP)*

*Loss of employment is an additional non- life insurance cover, provided by Komerční Pojišťovna (KP). KP is a Czech insurance company, part of the group of Société Générale Insurance, providing non- life insurance in Bulgaria under Freedom of Service. For more information about KP, click here.


What happens in case of unfortunate event?

  • Your obligations to the bank are repaid by us
  • Your Monthly installments of the loan in case of Temporary Disability are paid by us directly to the Bank
  • Your Monthly installments of the loan in case of Loss of employment are paid by KP directly to the Bank

Individual acceptance for insurance with optimal care for the client  

Express Life Insurance is working in partnership with carefully selected by us medical centers in 7 of the largest cities in Bulgaria (Varna, Pleven, Sofia, Ruse, Burgas, Vidin and Plovdiv). There all of our clients will be able to make the medical examinations, required for insurance acceptance. They will be welcomed in priority in those centers and their exams will be done free of charge.



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