Protect your family with Credit Life Insurance 

Protect your family with Credit Life Insurance 

  • Select insured risks and protection level
  • Policy covers also severe disability and loss of life caused by the disease
  • Insurance indemnity is not affected by financial market downturn


Credit Life Insurance helps to repay your loan and spares your family from financial obligations in case of unexpected life events.

Why choose Credit Life Insurance?

  • An opportunity to secure in amount of the sum insured the financial protection of the family in case of losing its breadwinner 
  • An opportunity to have the sum insured equal to sum of  your loan obligations at both Luminor and other financial service providers
  • An opportunity to apply for Credit Life Insurance policy for both coborrowers individually
  • An opportunity to choose insured sum - constant amount for whole period of the policy or diminishing amount that decreases every year

How to apply?

Submit the request.
Fill in the application on the Luminor website 

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

Use the insurance
In case of an insured event, Latvian branch of ERGO Life Insurance should be informed by submitting online claim notification form on insurer’s webpage or by calling via phone +371 67 08 1887

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!

See also other insurance products

Home Insurance

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Leasing Insurance 

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Loan Payment Insurance

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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 Credit 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 Street 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