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Life Insurance — Policy Comparison 2026

Life insurance is a policy that pays a financial benefit in the event of death, serious illness or permanent incapacity for work. The premium starts from 30 PLN per month and the sum insured can reach up to 2,000,000 PLN. It provides financial protection for the insured person's family.

Life insurance provides your family with financial security against unforeseen events. Compare offers from leading insurance companies in Poland — from basic death cover to extended packages with health protection.

Life Insurance Comparison — lipiec 2026

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Types of Life Insurance

Term — cover for a fixed period (e.g. 10, 20 or 30 years). The cheapest form of life insurance. The benefit is paid only if death occurs during the insurance period.

Whole-of-life — cover for the rest of your life. More expensive, but guarantees payment of the benefit. Part of the premium builds a surrender value.

Investment-linked (unit-linked) — combines cover with investing. Part of the premium is invested in funds. Higher potential return, but also risk of losing value.

Group — offered by employers. Cheaper than individual policies, but with a lower sum insured and limited scope of cover.

What to Pay Attention To?

Sum insured — should be sufficient to support the family for 3–5 years and repay any loans.

Scope of cover — check whether the policy covers critical illness, personal accident (NNW) and hospitalisation.

Exclusions — read the General Terms and Conditions to know in what situations the benefit will not be paid.

Waiting period — a period (usually 3–6 months) during which cover is limited. Does not apply to death caused by an accident.

Często zadawane pytania

How much does life insurance cost?

Basic life insurance costs between 30 and 100 PLN per month, depending on age, the sum insured and the scope of cover. A policy for a 30-year-old with a sum insured of 500,000 PLN costs approximately 40–60 PLN/month.

Who should have life insurance?

Life insurance is especially important for: people with a mortgage, parents with dependent children, sole breadwinners and people working in high-risk occupations.

What does life insurance cover?

A basic policy covers payment of a benefit in the event of the insured person's death. Extended variants may cover: critical illness (e.g. cancer, heart attack), permanent incapacity for work, hospitalisation and personal accident (NNW).

What sum insured is appropriate?

Experts recommend a sum insured equal to 5–10 times the family's annual income. If you have a mortgage, the sum should also cover the remaining loan balance.

Can an insurer refuse to pay?

Yes, in cases specified in the General Terms and Conditions — e.g. suicide within the first 2 years of the policy, concealment of illness when taking out the policy, death under the influence of alcohol or drugs. That is why honest completion of the health questionnaire is important.

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