Polizza Vita Caso Morte: Bonus Fino All'85% A Scadenza

This is a Temporanea Caso Morte (TCM) term life insurance policy available in Italy, covering death from all causes. It is explicitly not a savings or investment product.

The policy returns up to 85% of premiums paid at maturity, unlike traditional term life policies where unused premiums are not returned. Premiums are 19% tax deductible each year within legal limits.

Coverage extends to age 85, compared to the standard 75 for traditional policies. The policy is 100% digital, with online signup in about 3 minutes and no medical exam required until age 65 or €300,000 in insured capital (a health questionnaire is required above these thresholds).

A free quote takes about 2 clicks with no obligation. Optional add-on coverages include double capital for accidental death, triple capital for traffic accidents, premium waiver in case of permanent disability, and a cancer diagnosis benefit.

Terms, pricing and eligibility depend on individual factors including age, smoking status and insured capital selected; consult the full policy documentation before subscribing.