Switch territory and language
Home » Insurances » Personal
Personal

Personal


Hurricane Xtra
is a parametric policy, which means that coverage is triggered based on how strong a hurricane is and how close it comes to your home. The parameters are established at policy inception so once they are triggered, coverage is almost automatic.
Benefits to this coverage are:
You get to determine how to spend the payout
No deductible
No damage estimate required
No adjuster required
Simplified claims process
Faster payout

NAGICO’s Hurricane Xtra policy is not a replacement for your existing Homeowners coverage, but rather intended to complement the coverage you already have. Request a quote online, or call or visit one of our intermediaries or NAGICO offices to benefit now.

*This policy is currently only available in Sint Maarten”

Request a Quote

HURRICANE XTRA POLICY

Now there is a product to help you get cover for those expenses that may arise following a hurricane as well as items around your home that are not typically covered against hurricane damage under the standard Homeowners Policy.
This policy can be used to cover:
Landscaping
Travel cancellations
Evacuation costs
Expenses such as fuel for generators and vehicles
Gates and fences
Outdoor lighting systems
Gazebos
Satellite dishes
Awnings And so much more!

Life insurance is the simplest way to plan for the future.

Having a policy in place adds value to your life, provides financial stability and protects your loved ones after your death.

The benefits of having a policy all depends on your specific situation. If you have a family who relies on your income, then it’s imperative to have a life insurance protection. Your beneficiaries can use the funds from a life insurance policy to continue living a normal life and to help cover cost such as: rent/ mortgage, food, utility and education.

Purchasing a policy that builds cash value creates a source of cash if you need to access funds from your Life insurance policy during your lifetime.

The cost and availability of Life insurance depends on factors such as: age, health, type of coverage and the amount of insurance purchased.

Visit any of our NAGICO Life Representatives or our NAGICO Life offices and we will advise you and ensure that your specific needs are addressed thus providing you with that peace of mind that your family will be protected.

Level Term

A Level Term Policy is an affordable life insurance required by lending institutions as collateral assignment for a loan or a mortgage to protect repayment. The loan may be a home loan, a personal loan or a business loan.

Benefits of this policy include:

  1. Amount of insurance is fixed for the term of the policy
  2. Premium never increases during the term of the policy
  3. 2 persons can be insured under one plan

Request a quote online, call or visit one of our intermediaries or NAGICO offices to learn more. Remember, you can save money when you bundle your insurance policies with NAGICO. Ask your NAGICO representative and start benefiting.

Request a quote

Special 60+ Level Term

Designed for clients 60 years and over. Is an affordable Life insurance product required by lending institutions as collateral assignment for a loan or a mortgage to protect repayment.

Benefits of this policy include:

  1. Coverage terminates at the 80th birthday
  2. Maximum coverage amount is ANG.100,000.00
  3. Premiums never increase during the term of the policy

Request a quote online, call or visit one of our intermediaries or NAGICO offices to learn more. Remember, you can save money when you bundle your insurance policies with NAGICO.  Ask your NAGICO representative and start benefiting.

Request a quote

Whole Life

A Whole Life Policy is permanent life insurance with both insurance and a cash value component.  This product is usually purchased for the beneficiaries’ benefit.  The Insured may surrender the policy or borrow based on the cash value.

Benefits of this policy include:

  1. Can be assigned to the bank as collateral
  2. Funds for the family if the main income worker dies
  3. Guaranteed Cash Surrender Value

Request a quote online, call or visit one of our intermediaries or NAGICO offices to learn more. Remember, you can save money when you bundle your insurance policies with NAGICO.  Ask your NAGICO representative and start benefiting.

Request a quote

Education Savings

The cost of education is steadily increasing while the value of government funding in this respect is contracting. For those of you with young children this may be a concern; but NAGICO’s Education Policy is your solution. Our Education Policy is especially designed to cover the future costs of education for your child(ren). The younger the child, the more you benefit from this policy. Premium is payable for the entire policy term.

Coverage Term offered:

  • Maturity at 18 – Entire policy value will be paid out at age 18.
  • Maturity at 19 Entire policy value will be paid out at age 19.
  • Maturity at 20 Entire policy value will be paid out at age 20.

How much insurance should be purchased on the child?

A goal has to be assumed, for instance: the insurance may cover one year of college/university tuition or the entire college period. The client should also consider the cost associated with various University tuition standards.

Request a quote online, call or visit one of our intermediaries or NAGICO offices to learn more. Remember, you can save money when you bundle your insurance policies with NAGICO.  Ask your NAGICO representative and start benefiting.

Request a quote

Endowment Policy

This policy allows you to save for a certain goal; for example, travel around the world or retirement. It offers life insurance coverage, a cash value component or a payout when the policy reaches its maturity. Coverage terms offered is 20 years, Endowment to Age 60 or Endowment to Age 65.

Benefits of this policy include:

  1. Offers a lump sum payout at the end of the term
  2. Can be assigned to the bank as collateral
  3. Cash value can be loaned on interest

Request a quote online, call or visit one of our intermediaries or NAGICO offices to learn more. Remember, you can save money when you bundle your insurance policies with NAGICO.  Ask your NAGICO representative and start benefiting.

Request a quote

Serenity

Death causes a state of distress. Reduce the level of stress of your family during this difficult time by obtaining serenity insurance. Serenity Insurance is a life insurance policy that covers the funeral costs of the Insured. Premiums are payable for only 15 years and the sum insured increases by 2.5% every year using the simple interest rule.

You will benefit from the following with this policy:

  1. In event of death, your family will not have to worry about the money for a funeral
  2. Because the sum insured increases every year, funds may be left over for the beneficiary after the Funeral costs have been covered
  3. Quick settlement during the claim process

Request a quote online, call or visit one of our intermediaries or NAGICO offices to learn more. Remember, you can save money when you bundle your insurance policies with NAGICO.  Ask your NAGICO representative and start benefiting.

Request a quote

Renter’s Insurance

Did you know that your Landlord’s insurance coverage does not protect your stuff? Protect your Personal property like computers, furniture, electronics, etc. with a Renters Insurance from NAGICO Insurances.

Private Yacht & Boat

Get your vessel covered for damages whether on land or at sea with our NAGICO Private Yacht & Boat insurance. We can insure you against most risks of owning and operating your boat, so that the same peace of mind you experience while sailing on the open seas, is the same one you enjoy knowing you are covered by NAGICO.

For many of us who live and play on the islands, water activities are an important part of life. With a NAGICO Private Yacht & Boat insurance, you can relax knowing your boat or personal watercraft is covered. From the smallest dinghy to the longest sailboat, NAGICO will cover your vessel at sea or on land.

Protection includes, but is not limited to, most perils of the seas, natural or manmade disasters, theft, malicious acts, collision and acts of piracy.

Request a quote

NAGICARE Individual Plan

NAGICO has created a suite of comprehensive as well as supplementary individual medical plans to address whatever you and your family may need: Turquoise, Emerald, Gold and Platinum. These plans provide you with coverage locally as well as internationally.

Some of the key features and benefits associated with these policies include:

  • Coverage up to $2Million Platinum, $1Million Gold, $500K Emerald and $250K Turquoise
  • Varied deductibles of $200, $500 & $1,000 with 100% no deductible policies in some instances
  • Optional dental and vision benefits with limits tailored to suit your needs
  • Minimum acceptance age of 18-65 years with dependent children coverage up to age 24 for children attending a tertiary level institution
  • Common-law benefit extended to relationships of only 3 years
  • Access to local and overseas provider networks such as UHC

Request a quote online, call or visit one of our intermediaries or NAGICO offices to learn more. Remember, you can save money when you bundle your insurance policies with NAGICO.  Ask your NAGICO representative and start benefiting.

Request a quote

Personal Accident Plan

Personal Accident Insurance is an affordable form of accidental death, disability and medical expense insurance. It is designed for sporting teams, schools, employees, association and individuals.

In the event of an injury by accident, the medical expenses are covered up to a specified maximum likewise death and disability.

You can specify your maximum payout for death or permanent and temporary disablement. We are here to serve your needs.

Request a quote online, call or visit one of our intermediaries or NAGICO offices to learn more. Remember, you can save money when you bundle your insurance policies with NAGICO.  Ask your NAGICO representative and start benefiting.

Critical Illness

Can you guarantee that you will always remain in good health and not be diagnosed with a critical illness? Unfortunately, even if you implement and consistently adhere to a proper diet and exercise regime there are no guarantees. Ever thought about what your life would be like should such an event occur? Would you have the necessary finance available to ensure you can provide yourself with the necessary infrastructure to live comfortably?

Our NAGICARE Critical Illness plan is your solution. This plan is a health insurance product that offers a lump payment in the event you are diagnosed with and survive a named critical illness.

Some of the key features and benefits associated with this policy include:

  • Minimum participation age of 20-65 years, with dependent coverage
  • Maximum age of coverage age 70
  • Policy coverage vary from as low as $25k to $1M

Request a quote online, call or visit one of our intermediaries or NAGICO offices to learn more. Remember, you can save money when you bundle your insurance policies with NAGICO. Ask your NAGICO representative and start benefiting.

Request a quote

Homeowners Super Plus

Protect Yourself – Select the appropriate sum insured
Make Life Easy – Do a Home Inventory
Buying your own home is a major accomplishment and a huge investment, so protect your asset properly with NAGICO’s comprehensive Homeowners Super Plus Insurance. You can also save money when you bundle your insurance policies with NAGICO (e.g. home and motor; home, motor, medical and life etc).  Request a quote online, or call or visit one of our intermediaries or NAGICO offices to benefit now.

What does Homeowners Super Plus cover?

Request a quote

Motor Comprehensive

We know how valuable your car is to you. We created NAGICO’s Motor Comprehensive policy with this in mind. It provides you with the highest level of coverage available.

Some of these impressive benefits include coverage for:

  • Damage to your vehicle, regardless of who’s at fault
  • Theft of your vehicle
  • Medical coverage for your passengers
  • Third party bodily injury
  • Third party property damage
  • Road side assistance*

*Limited to certain territories. Speak with your NAGICO representative for more information.

We value life thus we encourage safe driving. As such we offer our customers safe-driver’s discounts. You can also save money when you bundle your insurance policies with NAGICO (e.g. motor and home; motor, home and medical etc). Request a quote online, or call or visit one of our intermediaries or NAGICO offices to benefit now.

Request a quote

Third Party Motor Insurance

NAGICO’s Third Party Motor insurance provides you with the minimum liability coverage required by law. Don’t take chances by leaving yourself unprotected if an at fault accident occurs!

Some of the benefits of this policy include coverage for:

  • Bodily injury
  • Property damage
  • Defense costs
  • The ability to add additional drivers to your policy
  • Roadside assistance service*.

*Limited to certain territories. Speak with your NAGICO representative for more information.

You can save money when you bundle your insurance policies with NAGICO.  Request a quote online, or call or visit one of our intermediaries or NAGICO offices to benefit now.

Request a quote