Top Insurance

• 98% client retention: Our strongest measure of reliability is our clients themselves, who continue to choose us year after year.
• People-first approach: We listen, understand your needs, and recommend solutions that genuinely match your life and priorities — with no pressure and no unnecessary cover.
• Fast response when it matters: When an incident requires handling, we stand by your side with exceptional responsiveness, helping you act quickly and correctly.
• Clarity and expert guidance: With many years of experience, we explain the terms, options, and next steps clearly, so you feel confident both before and after you proceed.
• Long-term support: We stay close even after the policy is issued. We remain your point of reference for changes, renewals, cover upgrades, and any need that may arise.

Changes to the investment policy can be made whenever the client wants based on the company’s regulations by contacting the Insurance Broker.

The fees payable are tax exempt under the following conditions: (a) The tax exemption depends on the rate at which you are taxed. (b) The insurance coverage should be 15 times the annual fees. Insurance fees related to Medical Care are subject to a deduction from Income Tax up to the amount of 1.5% of earnings. (c) Insurance fees payable together with the contributions to the Social Insurance Fund and approved Pension and Health Funds must not exceed 1/5 of the taxable income. (d) Since 2002 the life insured and the owner must be the same person.

By completing the insurance application with your insurance advisor or by contacting the Company directly, you can join the program provided your application is accepted. Persons up to the age of 60-65 and permanent residents of Cyprus have the right to join.

Insurance fees are paid at any Branch or at the Company’s Headquarters against always an official receipt. Payments are made in cash, by deposit, by visa or by a relevant bank order through any banking institution. The monthly fee payment is made only by bank order.

Fees are paid monthly, quarterly, semi-annually and annually. In one-time fees (one payment) the fee is paid in full with the application for insurance.