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Life+ insurance
one policy, full protection

Choose the coverage you need. Life insurance and accident protection, including medical expenses and hospital allowance — in one plan.

Apply for a consultation

Full family protection

Take care of life and accident insurance, including medical protection, for every member of your family. 

Discounts for families

Get up to 10% off when you insure 3 or more people.

Wide-ranging coverage 

Receive compensation for bone fractures to hospital stays, psychological support, Lyme disease treatment and more. 

Insurance services are provided by the insurer AAS “CBL Life”, registration No. 40003786859, legal address Republikas laukums 2A, Riga, Latvia, LV-1010, phone +371 6701 0129, email life@cbl.lv, on whose behalf acts insurance agent AS “Citadele banka”. All claims and complaints filed to the insurance agent are handled by the insurer AAS “CBL Life”. Before signing the insurance contract please read the terms and conditions of the contract and consult an expert, if necessary.

What’s covered? 

Mix and match coverage levels to create a plan that fits your family's needs – everyone deserves peace of mind.

Adults (18-74 age)  Kids (1-17 age) 
Life Insurance  Lump-sum payout to your chosen beneficiaries.
Coverage starting from 1500 EUR .		 Not available for children.
Accident insurance
Permanent Disability Permanent disability resulting from an accident with payouts ranging from 3% to 100%. 
Death due to accident  Risk of death caused by an accident coverage from 1500 EUR.
Broken bones & injuries Traumas, bone fractures, burns, ligament tears, and more.
Additional accident insurance coverage*:
Accidental medical expenses  STANDARD  PREMIUM
Medical expenses  Up to 100 EUR per event   Up to 300 EUR per event
Lyme disease treatment 50 EUR per event 100 EUR  per event 
Psychological  support**  Up to 500 EUR  Up to 1000 EUR 
Home adjustment cost**  Up to 1000 EUR  Up to 3000 EUR
Camps cancellation costs Up to 150 EUR  Up to 300 EUR 
Hospital Daily Allowance  Support if hospitalized after an accident, with the possibility to select individual coverage ranging from 10 EUR to 100 EUR per day. 
Adults (18-74 age)  Kids (1-17 age) 
Life Insurance 
Lump-sum payout to your chosen beneficiaries.
Coverage starting from 1500 EUR .		 Not available for children.
Accident insurance
Permanent Disability
Permanent disability resulting from an accident with payouts ranging from 3% to 100%. 
Death due to accident 
Risk of death caused by an accident coverage from 1500 EUR.
Broken bones & injuries
Traumas, bone fractures, burns, ligament tears, and more.
Additional accident insurance coverage*:
STANDARD  PREMIUM
Medical expenses 
Up to 100 EUR per event   Up to 300 EUR per event
Lyme disease treatment
50 EUR per event 100 EUR  per event 
Psychological  support** 
Up to 500 EUR  Up to 1000 EUR 
Home adjustment cost** 
Up to 1000 EUR  Up to 3000 EUR
Camps cancellation costs
Up to 150 EUR  Up to 300 EUR 
Hospital Daily Allowance 
Support if hospitalized after an accident, with the possibility to select individual coverage ranging from 10 EUR to 100 EUR per day. 

* Additional accident insurance coverage can be added when insuring “Permanent disability” and “Bone fractures and injuries” risks.
** Psychological support and Home adjustment costs coverage are valid in case of disability. 

Questions about Life+ insurance?

Our experts are ready to help – sign up for a free consultation.

Apply for a consultation 

Insurance in unexpected life events

Read stories where Life+ insurance provided essential support after accidents – from injuries to long-term consequences.

Single mom, 34 years


After a car accident, mom received financial support: 

  • 10 500 EUR for permanent disability. 
  • 1400 EUR for a 14-day hospital stay (100 EUR/day). 
  • 1000 EUR for psychological support. 
  • 3000 EUR for home adjustments. 

She used the money to adjust to her new life circumstances and care for her child – only for 21.80 EUR per month.

A young family with a son


Their son (8 years old) broke his leg. 
They received: 

  • 500 EUR for his injury. 
  • 150 EUR for a 3-day hospital stay (50 EUR/day). 
  • 150 EUR for a canceled summer camp. 

Life+ ensures that family are financially secure during son recovery. The insurance plan gives the family the protection they need — all for an affordable price of just 25.76 EUR per month.

Father of two, 42 years


Got sick after a tick bite. His son also broke his arm.
They received:

  • 100 EUR for Lyme disease treatment.
  • 400 EUR for 2 days in hospital (100 EUR/day for father + 100 EUR/day for son).
  • 1000 EUR for his injury. 
  • 300 EUR for camp cancellation.
  • 300 EUR for son’s medical expenses.

This comprehensive coverage ensures the family stays financially secure during these unexpected health challenges – all only for just 30.30 EUR per month.

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