Borrower’s Life Insurance | Luminor

Borrower’s life insurance helps to repay your loan and spares your family from financial obligations in case of unexpected life events.

Special offer for Luminor customers

Apply now and receive additional accident insurance from ERGO with cover up to € 10 000 for 1 year for free.

The offer is valid for ERGO insurance applications submitted until 31.12.20. Additional coverage will provide your financial protection for the treatment of injuries, fractures and the consequences of a household accident. Find insurance rules and amounts of coverage in Latvian in here.

Why choose life insurance?

How to apply?



Fill in the application on the website and don't forget to authenticate with Luminor Internet Bank


Confirm the offer

Receive the insurance offer by e-mail and confirm it by paying the first premium


Apply for regular invoice payment

Fill in an application in your Internet Banking section Payments → Regular invoice payments and forget about payment reminders

Necessary documents

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

Guarantee of security, stability and family welfare!

Luminor Bank AS (reg. No 11315936, address: Liivalaia 45, Tallinn, Estonia) represented within the Republic of Latvia by Luminor Bank AS Latvian Branch (reg. No 40203154352, address: Skanstes iela 12, Riga) acts as an insurance agent, distributing a life insurance on behalf of ERGO Life Insurance SE (reg. No 110707135, address: Geležinio Vilko g.6A, Vilnius, Lithuania) represented within the Republic of Latvia by ERGO Life Insurance SE Latvian branch (reg. No 40103336441, address: Skanstes iela 50, Riga). Luminor Bank AS is registered in Finantsinspektsioon (Estonian Financial Supervisory Authority) insurance agency register and is entitled to provide insurance intermediation services in Latvia on the basis of the principle of freedom of establishment. Luminor Bank AS shall process your personal data to prepare ERGO Life Insurance SE insurance offer and forward them to insurer. ERGO Life Insurance SE as the data controller shall process your personal data (including personal data of special categories and personal identification codes) to secure performance of the insurance agreement and compliance with legitimate interests of the insurer or a third party. More information on personal data processing is available on the website under section Privacy Policy, the insurer’s customer service centres or by e mailing your enquiries to the address