{"id":226063,"date":"2020-12-07T21:51:34","date_gmt":"2020-12-07T21:51:34","guid":{"rendered":"http:\/\/sicred.com.al\/sigurimi-i-jetes-per-hua-sjh\/"},"modified":"2024-09-17T15:05:55","modified_gmt":"2024-09-17T15:05:55","slug":"sigurimi-i-jetes-per-hua-sjh","status":"publish","type":"page","link":"https:\/\/sicred.com.al\/en\/sigurimi-i-jetes-per-hua-sjh\/","title":{"rendered":"Credit Life Insurance"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” background_enable_color=”off” background_image=”https:\/\/sicred.com.al\/wp-content\/uploads\/2021\/06\/loan.jpg” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”0px|0px|0px|0px|false|false” da_disable_devices=”off|off|off” locked=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row use_custom_gutter=”on” gutter_width=”1″ custom_padding_last_edited=”on|phone” admin_label=”Mobile Optin Module” module_class=” et_pb_row_fullwidth” _builder_version=”4.16″ background_color=”rgba(21,69,119,0.5)” use_background_color_gradient=”on” background_color_gradient_stops=”rgba(21,69,119,0.9) 0%|rgba(21,69,119,0.65) 100%” background_color_gradient_start=”rgba(21,69,119,0.9)” background_color_gradient_end=”rgba(21,69,119,0.65)” width=”100%” width_tablet=”100%” width_phone=”” width_last_edited=”on|desktop” max_width=”100%” max_width_tablet=”100%” max_width_phone=”” max_width_last_edited=”on|desktop” min_height=”100%” height=”100%” max_height=”100%” custom_padding=”1%|10%|5%|10%|false|true” custom_padding_tablet=”” custom_padding_phone=”1%||3%||false|true” custom_css_main_element=” overflow: visible;” make_fullwidth=”on” locked=”off” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”10%|10%||10%|false|true” custom_padding_tablet=”||40px|” custom_padding_phone=”” custom_padding_last_edited=”on|tablet” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ _module_preset=”default” text_font=”Futura pt||||||||” header_font=”Futura pt||||||||” header_text_align=”left” header_font_size=”40px” header_2_font=”Futura pt|||on|||||” header_2_text_align=”left” header_2_text_color=”#f7f9fc” header_2_font_size=”42px” custom_margin=”||||false|false” custom_margin_tablet=”10%||||false|false” custom_margin_phone=”20%||||false|false” custom_margin_last_edited=”on|tablet” header_font_size_tablet=”25px” header_font_size_phone=”” header_font_size_last_edited=”on|tablet” header_2_font_size_tablet=”30px” header_2_font_size_phone=”18px” header_2_font_size_last_edited=”on|phone” border_color_top=”#154577″ global_colors_info=”{}”]<\/p>\n

Credit Life Insurance<\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”21px||0px|||” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”2_3,1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”2_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” text_font_size=”15px” header_3_font=”|||on|||||” header_3_text_color=”#154577″ header_3_font_size=”20px” header_5_text_color=”#c52b1b” header_5_font_size=”17px” vertical_offset_tablet=”0″ horizontal_offset_tablet=”0″ z_index_tablet=”0″ text_text_shadow_horizontal_length_tablet=”0px” text_text_shadow_vertical_length_tablet=”0px” text_text_shadow_blur_strength_tablet=”1px” link_text_shadow_horizontal_length_tablet=”0px” link_text_shadow_vertical_length_tablet=”0px” link_text_shadow_blur_strength_tablet=”1px” ul_text_shadow_horizontal_length_tablet=”0px” ul_text_shadow_vertical_length_tablet=”0px” ul_text_shadow_blur_strength_tablet=”1px” ol_text_shadow_horizontal_length_tablet=”0px” ol_text_shadow_vertical_length_tablet=”0px” ol_text_shadow_blur_strength_tablet=”1px” quote_text_shadow_horizontal_length_tablet=”0px” quote_text_shadow_vertical_length_tablet=”0px” quote_text_shadow_blur_strength_tablet=”1px” header_text_shadow_horizontal_length_tablet=”0px” header_text_shadow_vertical_length_tablet=”0px” header_text_shadow_blur_strength_tablet=”1px” header_2_text_shadow_horizontal_length_tablet=”0px” header_2_text_shadow_vertical_length_tablet=”0px” header_2_text_shadow_blur_strength_tablet=”1px” header_3_text_shadow_horizontal_length_tablet=”0px” header_3_text_shadow_vertical_length_tablet=”0px” header_3_text_shadow_blur_strength_tablet=”1px” header_4_text_shadow_horizontal_length_tablet=”0px” header_4_text_shadow_vertical_length_tablet=”0px” header_4_text_shadow_blur_strength_tablet=”1px” header_5_text_shadow_horizontal_length_tablet=”0px” header_5_text_shadow_vertical_length_tablet=”0px” header_5_text_shadow_blur_strength_tablet=”1px” header_6_text_shadow_horizontal_length_tablet=”0px” header_6_text_shadow_vertical_length_tablet=”0px” header_6_text_shadow_blur_strength_tablet=”1px” box_shadow_horizontal_tablet=”0px” box_shadow_vertical_tablet=”0px” box_shadow_blur_tablet=”40px” box_shadow_spread_tablet=”0px” global_colors_info=”{}”]<\/p>\n

Credit Life Insurance<\/h3>\n

Credit Life Insurance is a life insurance policy designed to pay off a borrower’s (insured person) outstanding debt in the event of a natural or accidental loss of life.
\nThe sum insured specified in the policy is the amount of the loan and decreases in parallel with the outstanding debt, while the loan is repaid regularly. At the end of the insurance period (usually equal to the loan period) the sum insured and the outstanding loan go to zero.<\/p>\n

The purpose of Credit Life Insurance is to protect the borrower’s family from the obligation to repay the loan. The insurance policy (contract) is concluded between the Insurer (SiCRED sh.a.) and the borrower. In the insurance policy is also determined the beneficiary of the sum insured. Usually the beneficiary is the lending institution (bank, non-bank lending institution, etc.).
\n[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_sidebar orientation=”right” area=”et_pb_widget_area_11″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_sidebar][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” da_disable_devices=”off|off|off” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_blurb title=”Contact Us” use_icon=”on” font_icon=”||divi||400″ icon_color=”#c52b1b” image_icon_width=”20px” _builder_version=”4.16″ _module_preset=”default” header_level=”h6″ header_font=”Futura pt|||on|||||” header_text_align=”center” header_text_color=”#154577″ header_font_size=”20px” body_font=”Futura pt||||||||” body_font_size=”15px” custom_padding=”|20px|||false|false” link_option_url=”https:\/\/sicred.com.al\/en\/contact\/” custom_css_blurb_image=”width: 50px !important;” border_color_right=”rgba(51,51,51,0.1)” border_color_bottom=”rgba(51,51,51,0.4)” icon_font_size=”20px” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_blurb title=”Book an appointment online” use_icon=”on” font_icon=”||divi||400″ icon_color=”#c52b1b” image_icon_width=”20px” _builder_version=”4.16″ _module_preset=”default” header_level=”h6″ header_font=”Futura pt|||on|||||” header_text_align=”center” header_text_color=”#154577″ header_font_size=”20px” body_font=”Futura pt||||||||” body_font_size=”15px” custom_padding=”|20px|||false|false” link_option_url=”https:\/\/sicred.com.al\/en\/ler-takimin-online\/” custom_css_blurb_image=”width: 50px !important;” border_color_right=”rgba(51,51,51,0.1)” border_color_bottom=”rgba(51,51,51,0.4)” icon_font_size=”20px” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_blurb title=”Apply Online for the Insurance” use_icon=”on” font_icon=”i||divi||400″ icon_color=”#c52b1b” image_icon_width=”20px” _builder_version=”4.16″ _module_preset=”default” header_level=”h6″ header_font=”Futura pt|||on|||||” header_text_align=”center” header_text_color=”#154577″ header_font_size=”20px” body_font=”Futura pt||||||||” body_font_size=”15px” custom_padding=”|20px|||false|false” link_option_url=”https:\/\/sicred.com.al\/en\/apliko-per-nje-produkt\/” custom_css_blurb_image=”width: 50px !important;” border_color_right=”rgba(51,51,51,0.1)” border_color_bottom=”rgba(51,51,51,0.4)” icon_font_size=”20px” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_blurb title=”Extract from General Terms Conditions” use_icon=”on” font_icon=”||divi||400″ icon_color=”#c52b1b” image_icon_width=”20px” _builder_version=”4.19.4″ _module_preset=”default” header_level=”h6″ header_font=”Futura pt|||on|||||” header_text_align=”center” header_text_color=”#154577″ header_font_size=”20px” body_font=”Futura pt||||||||” body_font_size=”15px” custom_padding=”|20px|||false|false” link_option_url=”https:\/\/sicred.com.al\/wp-content\/uploads\/2021\/11\/5.-Extract-from-General-Terms-and-Conditions-of-Credit-Life-Insurance.pdf” link_option_url_new_window=”on” hover_enabled=”0″ custom_css_blurb_image=”width: 50px !important;” border_color_right=”rgba(51,51,51,0.1)” border_color_bottom=”rgba(51,51,51,0.4)” icon_font_size=”20px” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_blurb title=”Submit your claim” use_icon=”on” font_icon=”s||divi||400″ icon_color=”#c52b1b” image_icon_width=”20px” _builder_version=”4.16″ _module_preset=”default” header_level=”h6″ header_font=”Futura pt|||on|||||” header_text_align=”center” header_text_color=”#154577″ header_font_size=”20px” body_font=”Futura pt||||||||” body_font_size=”15px” custom_padding=”|20px|||false|false” link_option_url=”https:\/\/sicred.com.al\/en\/raporto-demin-2\/” custom_css_blurb_image=”width: 50px !important;” border_color_right=”rgba(51,51,51,0.1)” border_color_bottom=”rgba(51,51,51,0.4)” icon_font_size=”20px” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_blurb title=”Information on Insurance Taxes” use_icon=”on” font_icon=”h||divi||400″ icon_color=”#C52B1B” image_icon_width=”20px” _builder_version=”4.19.4″ _module_preset=”default” header_level=”h6″ header_font=”|||on|||||” header_text_color=”#154577″ header_font_size=”20px” text_orientation=”center” link_option_url=”https:\/\/sicred.com.al\/wp-content\/uploads\/2021\/11\/Information-on-Insurance-Taxes.pdf” icon_font_size=”20px” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ disabled_on=”on|on|on” _builder_version=”4.16″ _module_preset=”default” custom_padding=”21px||0px|||” da_disable_devices=”off|off|off” saved_tabs=”all” locked=”off” global_colors_info=”{}” disabled=”on” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.16″ _module_preset=”default” border_width_top=”1px” border_color_top=”rgba(51,51,51,0.1)” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Contact us ” use_icon=”on” font_icon=”w||divi||400″ icon_color=”#c52b1b” image_icon_width=”20px” _builder_version=”4.16″ _module_preset=”default” header_level=”h6″ header_font=”Futura pt|||on|||||” header_text_align=”center” header_text_color=”#154577″ header_font_size=”20px” body_font=”Futura pt||||||||” body_text_align=”center” body_font_size=”15px” custom_padding=”|20px|||false|false” link_option_url=”https:\/\/sicred.com.al\/contact\/?lang=en” custom_css_blurb_image=”width: 50px !important;” dsm_modules_popup=”on” dsm_modules_popup_library=”225885″ dsm_modules_popup_fullwidth=”on” dsm_modules_overlay_background=”rgba(248,251,252,0.52)” border_color_right=”rgba(51,51,51,0.1)” border_color_bottom=”rgba(51,51,51,0.4)” icon_font_size=”20px” locked=”off” global_colors_info=”{}”]to book an appointment with our sales agents.
\n[\/et_pb_blurb][dsm_icon_list _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][\/dsm_icon_list][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Book your appointment online” use_icon=”on” font_icon=”||divi||400″ icon_color=”#c52b1b” image_icon_width=”20px” _builder_version=”4.16″ _module_preset=”default” header_level=”h6″ header_font=”Futura pt|||on|||||” header_text_align=”center” header_text_color=”#154577″ header_font_size=”20px” body_font=”Futura pt||||||||” body_font_size=”15px” custom_padding=”|20px|||false|false” link_option_url=”https:\/\/sicred.com.al\/ler-takimin-online\/?lang=en” custom_css_blurb_image=”width: 50px !important;” border_color_right=”rgba(51,51,51,0.1)” border_color_bottom=”rgba(51,51,51,0.4)” icon_font_size=”20px” locked=”off” global_colors_info=”{}”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Apply for your insurance product” use_icon=”on” font_icon=”||divi||400″ icon_color=”#c52b1b” image_icon_width=”20px” _builder_version=”4.16″ _module_preset=”default” header_level=”h6″ header_font=”Futura pt|||on|||||” header_text_align=”center” header_text_color=”#154577″ header_font_size=”20px” body_font=”Futura pt||||||||” body_font_size=”15px” custom_padding=”|20px|||false|false” link_option_url=”https:\/\/sicred.com.al\/apliko-per-nje-produkt\/?lang=en” custom_css_blurb_image=”width: 50px !important;” border_color_right=”rgba(51,51,51,0.1)” border_color_bottom=”rgba(51,51,51,0.4)” icon_font_size=”20px” locked=”off” global_colors_info=”{}”][\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”0px|||||” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Extract from General Terms and Conditions” use_icon=”on” font_icon=”||divi||400″ icon_color=”#c52b1b” image_icon_width=”20px” _builder_version=”4.19.4″ _module_preset=”default” header_level=”h6″ header_font=”Futura pt|||on|||||” header_text_align=”center” header_text_color=”#154577″ header_font_size=”20px” body_font=”Futura pt||||||||” body_font_size=”15px” custom_padding=”|20px|||false|false” link_option_url=”https:\/\/sicred.com.al\/wp-content\/uploads\/2021\/11\/5.-Extract-from-General-Terms-and-Conditions-of-Credit-Life-Insurance.pdf” custom_css_blurb_image=”width: 50px !important;” border_color_right=”rgba(51,51,51,0.1)” border_color_bottom=”rgba(51,51,51,0.4)” icon_font_size=”20px” locked=”off” global_colors_info=”{}”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Submit your claim” use_icon=”on” font_icon=”s||divi||400″ icon_color=”#c52b1b” image_icon_width=”20px” _builder_version=”4.16″ _module_preset=”default” header_level=”h6″ header_font=”Futura pt|||on|||||” header_text_align=”center” header_text_color=”#154577″ header_font_size=”20px” body_font=”Futura pt||||||||” body_font_size=”15px” custom_padding=”|20px|||false|false” link_option_url=”https:\/\/sicred.com.al\/raporto-demin-2\/?lang=en” custom_css_blurb_image=”width: 50px !important;” dsm_modules_popup=”on” dsm_modules_popup_library=”225891″ dsm_modules_popup_close_trigger=”false” dsm_modules_popup_fullwidth=”on” dsm_modules_overlay_background=”rgba(21,69,119,0.45)” dsm_modules_close_background_color=”#C52B1B” dsm_modules_close_icon_color=”#F7F9FC” border_color_right=”rgba(51,51,51,0.1)” border_color_bottom=”rgba(51,51,51,0.4)” icon_font_size=”20px” locked=”off” global_colors_info=”{}”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][dsm_button _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][\/dsm_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_fullwidth_image _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_fullwidth_image][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

Credit Life Insurance Credit Life Insurance Credit Life Insurance is a life insurance policy designed to pay off a borrower’s (insured person) outstanding debt in the event of a natural or accidental loss of life. The sum insured specified in the policy is the amount of the loan and decreases in parallel with the outstanding debt, while the loan is repaid regularly. At the end of the insurance period (usually equal to the loan period) the sum insured and the outstanding loan go to zero. The purpose of Credit Life Insurance is to protect the borrower’s family from the obligation to repay the loan. The insurance policy (contract) is concluded between the Insurer (SiCRED sh.a.) and the borrower. In the insurance policy is also determined the beneficiary of the sum insured. Usually the beneficiary is the lending institution (bank, non-bank lending institution, etc.). to book an appointment with our sales agents.

\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t
\n\t\t\t\t\t
    <\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>
    \n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t
    \n\t\t\t\t\t
    \n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-226063","page","type-page","status-publish","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t