Generali România Termen de viață 20 ani Generali Romania
RON 0
- Tip de acoperire: Asigurare de viață pe termen lung
- Sumă asigurată de la: De la 100.000 RON
- Termen: 10–30 de ani
- Premium De la: De la 50 RON/lună
Compare Life Insurance in Romania
Compare the top life insurance providers in Romania — see cover, features and typical rates side by side.
Live offers
15 live offers compared from 3 providers, from RON 0. Updated daily.
Generali România Viață Întreaga Viață Generali Romania
RON 0
- Tip de acoperire: Asigurare de viață pe termen lung
- Sumă asigurată de la: De la 100.000 RON
- Termen: 10–30 de ani
- Premium De la: De la 50 RON/lună
Asigurare pe viață Groupama România pe 10 ani Groupama Romania
RON 0
- Tip de acoperire: Asigurare de viață pe termen lung
- Sumă asigurată de la: De la 100.000 RON
- Termen: 10–30 de ani
- Premium De la: De la 50 RON/lună
Allianz România Life Critical Disease Allianz Romania
RON 0
- Tip de acoperire: Asigurare de viață pe termen lung
- Sumă asigurată de la: De la 100.000 RON
- Termen: 10–30 de ani
- Premium De la: De la 50 RON/lună
Allianz România Viață pe Întreaga Viață Allianz Romania
RON 0
- Tip de acoperire: Asigurare de viață pe termen lung
- Sumă asigurată de la: De la 100.000 RON
- Termen: 10–30 de ani
- Premium De la: De la 50 RON/lună
Asigurare pe viață Allianz România pe 30 de ani Allianz Romania
RON 0
- Tip de acoperire: Asigurare de viață pe termen lung
- Sumă asigurată de la: De la 100.000 RON
- Termen: 10–30 de ani
- Premium De la: De la 50 RON/lună
Generali România Termen de viață 10 ani Generali Romania
RON 0
- Tip de acoperire: Asigurare de viață pe termen lung
- Sumă asigurată de la: De la 100.000 RON
- Termen: 10–30 de ani
- Premium De la: De la 50 RON/lună
Generali România Life Critical Disease Generali Romania
RON 0
- Tip de acoperire: Asigurare de viață pe termen lung
- Sumă asigurată de la: De la 100.000 RON
- Termen: 10–30 de ani
- Premium De la: De la 50 RON/lună
Asigurare pe viață Allianz România pe 10 ani Allianz Romania
RON 0
- Tip de acoperire: Asigurare de viață pe termen lung
- Sumă asigurată de la: De la 100.000 RON
- Termen: 10–30 de ani
- Premium De la: De la 50 RON/lună
Groupama România Viață pe viață întreagă Groupama Romania
RON 0
- Tip de acoperire: Asigurare de viață pe termen lung
- Sumă asigurată de la: De la 100.000 RON
- Termen: 10–30 de ani
- Premium De la: De la 50 RON/lună
Asigurare pe viață Groupama România pe 20 de ani Groupama Romania
RON 0
- Tip de acoperire: Asigurare de viață pe termen lung
- Sumă asigurată de la: De la 100.000 RON
- Termen: 10–30 de ani
- Premium De la: De la 50 RON/lună
Asigurare de viață Groupama România pentru boli grave Groupama Romania
RON 0
- Tip de acoperire: Asigurare de viață pe termen lung
- Sumă asigurată de la: De la 100.000 RON
- Termen: 10–30 de ani
- Premium De la: De la 50 RON/lună
Asigurare pe viață Groupama România pe 30 de ani Groupama Romania
RON 0
- Tip de acoperire: Asigurare de viață pe termen lung
- Sumă asigurată de la: De la 100.000 RON
- Termen: 10–30 de ani
- Premium De la: De la 50 RON/lună
Asigurare pe viață Allianz România pe 20 de ani Allianz Romania
RON 0
- Tip de acoperire: Asigurare de viață pe termen lung
- Sumă asigurată de la: De la 100.000 RON
- Termen: 10–30 de ani
- Premium De la: De la 50 RON/lună
Asigurare pe viață Generali România pe termen de 30 de ani Generali Romania
RON 0
- Tip de acoperire: Asigurare de viață pe termen lung
- Sumă asigurată de la: De la 100.000 RON
- Termen: 10–30 de ani
- Premium De la: De la 50 RON/lună
What is life insurance in Romania?
Life insurance (asigurare de viaţă) pays a sum of money to your chosen beneficiaries if you die, and some policies also pay out on serious illness, disability or accident. In Romania it comes as term life (pure protection for a set period), whole life, and unit-linked policies that combine protection with an investment component. It is used to protect a family, cover a mortgage, or build long-term savings alongside cover.
How the Romanian market works
Life insurers are licensed and supervised by the Autoritatea de Supraveghere Financiară (ASF). Policies are sold directly, through bank partnerships (bancassurance) and via brokers. Term life is often required or recommended when taking a mortgage. Unit-linked products invest part of your premium in funds, so the payout and any surrender value depend on investment performance and carry market risk. Premiums depend on age, health, sum insured and policy type.
Benefits
Family protection — a lump sum helps dependants cover living costs, education or a mortgage if you die.
Mortgage security — a policy assigned to the loan can clear the outstanding balance for your family.
Illness and accident riders — cover can extend to critical illness, disability and accidental death.
Savings component — unit-linked policies combine protection with long-term investment, subject to market risk.
Choice of beneficiaries — you name who receives the payout, giving you control over how your family is provided for.
How to choose
Decide first whether you need pure protection (term life, cheaper) or a savings-and-protection product (whole life or unit-linked, more expensive and market-exposed). Set the sum insured to cover debts and your family's needs, and choose a term that spans your dependants' or mortgage's duration. Check exclusions, health declarations, riders for illness or disability, and the fees and surrender terms on unit-linked plans.
Leading providers in Romania
Generali Romania, Allianz-Ţiriac and Groupama Romania are among the leading life insurers, offering term, whole-life and unit-linked policies through direct channels, brokers and bank partnerships. NN is also a major life insurer in the Romanian market. Comparing the sum insured, premium, riders and, for unit-linked plans, the fund options and charges across established insurers helps match cover to your family's needs.
What it costs
Life-insurance premiums in Romania are individualised on age, health, the sum insured, the term and the policy type, so term life for a young, healthy person is inexpensive while whole-life and unit-linked plans cost more. Unit-linked policies also carry investment and administration fees. Because pricing depends heavily on personal factors, request a tailored quote after a health and needs assessment, and compare the sum insured you get for a given premium across several insurers. On unit-linked plans, ask specifically about entry, management and surrender charges, since these can erode the investment value over time.
Protections and regulation
Life insurers are licensed and supervised by ASF, which oversees solvency and fair treatment of policyholders, and the Fondul de Garantare a Asiguraţilor protects policyholders if an insurer becomes insolvent. Policies must clearly disclose exclusions, health requirements and, for unit-linked plans, the investment risk and charges. Complaints go to the insurer, then to ASF or insurance mediation, with ANPC for consumer issues. Unit-linked returns are not guaranteed.
Common questions
Term or whole life? Term life is cheaper pure protection; whole-life and unit-linked add savings at higher cost.
Do I need it for a mortgage? Lenders often require or recommend a life policy assigned to the loan.
Are unit-linked returns guaranteed? No; they depend on investment performance and carry market risk.
Will I need a health check? Often yes; insurers may require a health declaration or medical assessment, and this affects the premium.
The cheapest Life Insurance in Romania is RON 0 from Generali Romania.
Life Insurance in Romania — FAQ
How much does life insurance cost in Romania?
Giraffy tracks 5 life insurance products across Generali Romania,Groupama Romania,Allianz Romania insurers in Romania. The lowest tracked monthly premium is RON 0. Premiums vary significantly by age, health, cover amount, and policy type — a healthy non-smoker in their 30s can typically get a large sum of level term cover for a modest monthly premium. Compare quotes to see rates for your specific profile.
What is the difference between term life and whole-of-life insurance?
Term life insurance pays out only if you die within the policy term (e.g. 20 or 25 years) — premiums are lower and it suits protecting a mortgage or dependants during working years. Whole-of-life insurance guarantees a payout whenever you die, with higher premiums. Most people with dependants and a mortgage benefit most from term cover.
How much life insurance cover do I need?
A common starting point is 10× your annual income, or enough to pay off your mortgage plus 3–5 years of income replacement for your dependants. Consider: outstanding debts, partner's income, number of dependants, childcare costs, and funeral expenses. A financial adviser can model your specific needs.
What is the difference between level term and decreasing term life insurance?
Level term pays a fixed lump sum if you die during the term — suitable for covering a fixed obligation like family living costs. Decreasing term reduces in line with an outstanding debt (typically a repayment mortgage) — it's cheaper but pays less over time as it mirrors your reducing debt.
Can I get life insurance with a pre-existing medical condition?
Yes — most insurers will cover pre-existing conditions, but may charge a higher premium, exclude the specific condition from the payout, or add a postponement period. Using a specialist broker increases your chances of finding the right cover at the best price without unnecessary application declines.
Is the life insurance payout tax-free for my beneficiaries?
In many markets — including the UK and most GCC countries — life insurance payouts to named beneficiaries are exempt from income tax. However, the payout may form part of your estate for inheritance tax purposes. Writing your policy in trust removes it from your estate and speeds up the claims process significantly.