Loan insurance

Loan insurance and incapacity to work supplementary insurance 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

 Loan insurance terms and conditions
 Incapacity to work supplementary insurance terms and conditions
 Insurance policy amendment application
 Insurance policy termination application
 Withdrawal from insurance policy application
 Loan 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 acts as ERGO Life Insurance SE Estonia`s insurance agent and has been entered into the public list of insurance intermediaries on the webpage of the Financial Supervision Authority.