Protect yourself and your family with life insurance 

Protect yourself and your family with life insurance 

  • Tailored coverage level and insured risk
  • Loss of life caused by disease or accident included in policy
  • Insurance for disabilities, accidents, and critical illnesses


One policy – many options! Protect your future by combining the risks you want to insure in one policy.

Which risks can be covered?

  • Loss of life
  • Permanent disability
  • Accidents (trauma or disability due to an accident)
  • Cancer and other critical illnesses

Why choose life insurance?

  • Secure your family's finances in case you lose the main provider
  • Insure your credit obligations to help protect your loved ones from financial strain
  • Extra coverage for childbirth expenses for Luminor customers with a mortgage loan: if a child is born during the policy period, the customer can receive a one-off payment of EUR 150 to cover childbirth expenses (terms and conditions apply)

How to apply?

Book a consultation online or in a bank office
After determining your insurance needs, we will provide you with an insurance offer

We will send you an insurance policy and information needed to pay the insurance 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

Learn more

Leasing Insurance 

Learn more

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