Loan insurance

Credit Life Insurance and Supplementary Insurance of No Work Ability helps repay your loan and spares your family from additional financial obligations in case of unexpected life events.


How to apply?



Book a consultation online or in a bank office.


Insurance payment

Making the first insurance payment enforces the insurance policy. For convenient payment of following invoices, order an automatic e-invoice standing payment.


Insurance cover is in force

Insurance cover is in force until the end of the loan period.

Necessary documents

  • ID-card or passport
  • We will inform you if we require additional documents regarding health tests

Useful links

 Terms and Conditions of Credit Life Insurance
 Terms and Conditions of Supplementary Insurance of No Work Ability
 Insurance policy amendment application
 Insurance policy termination application
 Withdrawal from insurance policy application
 Credit Life insurance pricelist
What to do in case of an insured event?

Insure to spare family members from loan obligations in case of unexpected life events!

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Luminor Bank AS (reg. No 11315936, address: Liivalaia 45, Tallinn, Estonia) acts as an insurance agent, distributing life insurance on behalf of ERGO Life Insurance SE (Lithuanian reg. No 110707135, address: Geležinio Vilko g. 6A, Vilnius, Lithuania) which is distributing insurance in the Republic of Estonia through its Estonian branch (Estonian reg. No 12025488, address: A. H. Tammsaare road 47, 11316 Tallinn). Luminor Bank AS is registered in the list of intermediaries kept by the Estonian Financial Supervision and Resolution Authority (in Estonian: Finantsinspektsioon).