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  2. Life+ insurance

Life+ insurance —
one policy, full protection

Choose the coverage you need. Life insurance and accident protection, including medical expenses and hospital allowance — in one plan.

Apply for a consultation 

Full family protection 

Take care of life and accident insurance, including medical protection, for every member of your family.

Discounts for families

Get up to 10% off when you insure 3 or more people.

Wide-ranging coverage 

Receive compensation for bone fractures to hospital stays, psychological support, Lyme disease treatment and more. 

Insurance services are provided by the insurer AAS “CBL Life”, registration No. 40003786859, legal address Republikas laukums 2A, Riga, Latvia, LV-1010, phone +371 6701 0129, email life@cbl.lv, on whose behalf acts insurance agent AS “Citadele banka” Lithuania branch, registration No. 304940934, legal address Upės g. 21-1, Vilnius, Lithuania, LT-08128. All claims and complaints filed to the insurance agent are handled by the insurer AAS “CBL Life”. Before signing the insurance contract, please read the terms and conditions of the contract and consult an expert, if necessary.

What’s covered?

Mix and match coverage levels to create a plan that fits your family's needs – everyone deserves peace of mind.

Adults (18-74 age)  Kids (1-17 age) 
Life Insurance  Lump-sum payout to your chosen beneficiaries.
Coverage starting from 1 500 EUR .		 Not available for children.
Accident insurance
Permanent Disability Permanent disability resulting from an accident with payouts ranging from 3% to 100%. 
Death due to accident  Risk of death caused by an accident coverage from 1 500 EUR.
Broken bones & injuries Traumas, bone fractures, burns, ligament tears and more.
Additional accident insurance coverage*
Accidental medical expenses  STANDARD  PREMIUM
Medical expenses  Up to 100 EUR per event   Up to 300 EUR per event
Lyme disease treatment 50 EUR per event 100 EUR  per event 
Psychological  support**  Up to 500 EUR  Up to 1000 EUR 
Home adjustment cost**  Up to 1 000 EUR  Up to 3 000 EUR
Camps cancellation costs Up to 150 EUR  Up to 300 EUR 
Hospital Daily Allowance  Support if hospitalized after an accident, with the possibility to select individual coverage ranging from 10 EUR to 100 EUR per day. 
Adults (18-74 age)  Kids (1-17 age) 
Life Insurance 
Lump-sum payout to your chosen beneficiaries.
Coverage starting from 1 500 EUR .		 Not available for children.
Accident insurance
Permanent Disability
Permanent disability resulting from an accident with payouts ranging from 3% to 100%. 
Death due to accident 
Risk of death caused by an accident coverage from 1 500 EUR.
Broken bones & injuries
Traumas, bone fractures, burns, ligament tears and more.
Additional accident insurance coverage*
STANDARD  PREMIUM
Medical expenses 
Up to 100 EUR per event   Up to 300 EUR per event
Lyme disease treatment
50 EUR per event 100 EUR  per event 
Psychological  support** 
Up to 500 EUR  Up to 1000 EUR 
Home adjustment cost** 
Up to 1 000 EUR  Up to 3 000 EUR
Camps cancellation costs
Up to 150 EUR  Up to 300 EUR 
Hospital Daily Allowance 
Support if hospitalized after an accident, with the possibility to select individual coverage ranging from 10 EUR to 100 EUR per day. 

* Additional accident insurance coverage can be added when insuring “Permanent disability” and “Bone fractures and injuries” risks.
** Psychological support and Home adjustment costs coverage are valid in case of disability. 

Questions about Life+ insurance?

Our experts are ready to help – sign up for a free consultation.

Apply for a consultation 

Relevant before signing the contract

  • Assess your needs: what kind of protection do you require and whether it is provided by the selected product.
  • Check the terms and conditions of the insurance contract: what will be the insurance coverage, when will the insurance benefit be paid, what will be the monthly premiums and in what order they will need to be paid.
  • Check the detailed list of non-insurable events: find out in cases of which events or activities the insurance benefit will not be paid.

Insurance in unexpected life events

Read stories where Life+ insurance provided essential support after accidents – from injuries to long-term consequences.

Single mom, 34 years


After a car accident, mom received financial support: 

  • 10 500 EUR for permanent disability. 
  • 1 400 EUR for a 14-day hospital stay (100 EUR/day).
  • 1 000 EUR for psychological support.
  • 3000 EUR for home adjustments. 

She used the money to adjust to her new life circumstances and care for her child – only for 21.80 EUR per month. 

A young family with a son


Their son (8 years old) broke his leg. They received: 

  • 500 EUR for his injury. 
  • 150 EUR for a 3-day hospital stay (50 EUR/day). 
  • 150 EUR for a canceled summer camp. 

Life+ ensures that family are financially secure during son recovery. The insurance plan gives the family the protection they need — all for an affordable price of just 25.76 EUR per month.

Father of two, 42 years


Got sick after a tick bite. His son also broke his arm. They received:

  • 100 EUR for Lyme disease treatment.
  • 400 EUR for 2 days in hospital (100 EUR/day for father + 100 EUR/day for son).
  • 1 000 EUR for his injury. 
  • 300 EUR for camp cancellation.
  • 300 EUR for son’s medical expenses.

This comprehensive coverage ensures the family stays financially secure during these unexpected health challenges – all only for just 30.30 EUR per month.

Need help?

Get instant answers to your questions 24/7 from our website help tool: our virtual financial consultant, Adele.

What is Life+ insurance and how does it work? 

Life+ insurance lets you choose the protection you need — all in one policy. You can include: 

  • Life insurance – provides a lump-sum payout to your chosen beneficiaries in case of death.
  • Accident insurance – offers compensation in case of injuries, permanent disability or death caused by accidents.
  • Medical expense coverage – covers specific costs such as Lyme disease treatment, psychological support and home adjustments in case of permanent disability.
  • Hospital daily allowance – offers daily financial support if you're hospitalized following an accident. 

How do I apply for Life+ insurance? 

Contact our insurance consultants – they will help you choose the right coverage and prepare all the necessary documents so you can complete the agreement quickly and easily.  

Apply for a consultation

How much does Life+ insurance cost? 

The cost of Life+ insurance depends on your age, selected plan and the risks you choose to cover. 
Book a free consultation to get a detailed offer.

Apply for a consultation

How much should I insure my life for? 

The coverage amount depends on your personal financial situation, including:  

  • Outstanding loans (such as your mortgage, car loan or consumer loan).
  • Your income level and the financial protection needs of your family. 

We recommend choosing coverage that totals at least two years’ gross income. This will help ensure financial stability after the death of the insured person.  
 
The minimum coverage amount is 1500 EUR.  

Apply for a consultation

Who can be insured? 

Adults aged 18 to 74 can be insured against the following risks: 

  • Life insurance – a lump-sum payment in the event of death.
  • Accident insurance, with the option to choose the following coverages: 
    • Death as a result of an accident.
    • Permanent disability.
    • Injuries and bodily harm (such as fractures or dislocations).
    • Coverage of medical expenses resulting from an accident.
    • Daily hospital allowance for inpatient treatment following an accident. 

Children aged 1 to 17 can be insured against the following risks: 

  • Accident insurance, which includes: 
    • Death as a result of an accident.
    • Disability.
    • Injuries and bodily harm.
    • Coverage of medical expenses.
    • Daily hospital allowance for inpatient treatment following an accident. 

The insurance contract can be concluded only by a Citadele Bank client; however, it is possible to insure family members or other individuals who are not bank clients themselves. 

When does my Life+ insurance coverage come into force? 

Life+ insurance coverage comes into force on the date specified in your policy.  

If payment of your first premium is not made within 15 days, the policy is cancelled on the date specified as the starting date.  

Can I change the terms of my Life+ insurance? 

Yes, it is possible to make changes to your policy. 

  • Once a month, you can increase or decrease the insured amount or the policy term. 
  • Once a month, you can add additional coverage, such as accident insurance. 
  • You can change or add beneficiaries at any time. 
  • You can terminate the policy at any time before the end of the term. 

To make changes, submit a free-form application through the online bank or signed electronically to life@cbl.lv. Include the changes you wish to make and your policy number. 

What should I do if an insured incident occurs? 

If you have accident insurance and an accident occurs: 

  1. As soon as possible, but no later than within 24 hours, visit a doctor, receive medical help, and comply with the doctor’s instructions.
  2. Inform the insurer.
  3. Submit a request for compensation. 

You can apply for a compensation here.   

Important! You should submit medical documentation confirming the accident and injuries. 

What documents are required to receive a claim payout? 

If the insured person has passed away: 

  • A filled-in application form. You can fill it in here.
  • A copy of your passport or ID card.
  • A copy of the insured person’s death certificate.
  • The inheritance certificate (if the application is submitted by an heir). 

Important! Compensation can be requested by the beneficiary (indicated in the insurance policy) or legal heirs. 
 
If there has been an accident or injury: 

  • A filled-in application form. You can fill it in here.
  • Documents issued by a medical institution which confirm the accident and describe the injuries (for example, broken bones or other health problems). 

Can I cancel my Life+ insurance agreement before it expires? 

Yes, you can cancel your agreement at any time. 

To do this, submit a free-form letter through the online bank or signed electronically to life@cbl.lv. 

If you have already paid your premium for the period after cancelling your agreement, we will refund this sum within 15 days.  

Where can I see my Life+ insurance policy? 

Your policy is always available in the online bank: Correspondence with the bank > Messages and notifications > CBL Life message > Download attachment. 

What happens if I miss a Life+ insurance payment? 

If you do not pay the insurance premium on time, your coverage may be suspended. If a covered event occurs during this period, the insurer will not be required to pay compensation. 

If payments are overdue for more than 6 months, the insurer has the right to unilaterally terminate the insurance contract. The insurer must inform you in writing that if the premium or a part of it is not paid within 30 days of receiving the notice, coverage will be suspended and will only be reinstated once the payment is made. 

How often do I have to pay my Life+ insurance premiums? 

You can choose the most convenient payment schedule for you: monthly, quarterly, every six months or annually. 

How quickly is the insurance benefit paid out? 

We do our best to review your claim within 30 days after receiving all the required documents. If needed, we may extend this period up to 6 months. Once the decision is made, your payment will be sent within 15 days. 

What does medical expense coverage include? 

Medical expense coverage offers financial support after an accident. Depending on your chosen plan – Standard or Premium – you may receive: 

  • A one-time payment up to 100 EUR or up to 300 EUR for medical services.
  • 50 EUR to 100 EUR for Lyme disease treatment.
  • In case of permanent disability up to 500 EUR or up to 1000 EUR for psychological support.
  • Up to 1000 EUR or up to 3000 EUR for home adjustments in case of permanent disability.
  • 150 EUR to 300 EUR if your child misses a camp due to an accident. 

Where to apply and what documents are needed if the insured person passes away? 

If the insured person has passed away, the beneficiary or legal heir must: 

  • Fill in the claim form here.
  • Provide a copy of their passport or ID card.
  • Provide a copy of the insured person’s death certificate.
  • If applying as an heir – attach the inheritance certificate. 

More questions
What is Life+ insurance and how does it work? 

Life+ insurance lets you choose the protection you need — all in one policy. You can include: 

  • Life insurance – provides a lump-sum payout to your chosen beneficiaries in case of death.
  • Accident insurance – offers compensation in case of injuries, permanent disability or death caused by accidents.
  • Medical expense coverage – covers specific costs such as Lyme disease treatment, psychological support and home adjustments in case of permanent disability.
  • Hospital daily allowance – offers daily financial support if you're hospitalized following an accident. 

How do I apply for Life+ insurance? 

Contact our insurance consultants – they will help you choose the right coverage and prepare all the necessary documents so you can complete the agreement quickly and easily.  

Apply for a consultation

How much does Life+ insurance cost? 

The cost of Life+ insurance depends on your age, selected plan and the risks you choose to cover. 
Book a free consultation to get a detailed offer.

Apply for a consultation

How much should I insure my life for? 

The coverage amount depends on your personal financial situation, including:  

  • Outstanding loans (such as your mortgage, car loan or consumer loan).
  • Your income level and the financial protection needs of your family. 

We recommend choosing coverage that totals at least two years’ gross income. This will help ensure financial stability after the death of the insured person.  
 
The minimum coverage amount is 1500 EUR.  

Apply for a consultation

Who can be insured? 

Adults aged 18 to 74 can be insured against the following risks: 

  • Life insurance – a lump-sum payment in the event of death.
  • Accident insurance, with the option to choose the following coverages: 
    • Death as a result of an accident.
    • Permanent disability.
    • Injuries and bodily harm (such as fractures or dislocations).
    • Coverage of medical expenses resulting from an accident.
    • Daily hospital allowance for inpatient treatment following an accident. 

Children aged 1 to 17 can be insured against the following risks: 

  • Accident insurance, which includes: 
    • Death as a result of an accident.
    • Disability.
    • Injuries and bodily harm.
    • Coverage of medical expenses.
    • Daily hospital allowance for inpatient treatment following an accident. 

The insurance contract can be concluded only by a Citadele Bank client; however, it is possible to insure family members or other individuals who are not bank clients themselves. 

When does my Life+ insurance coverage come into force? 

Life+ insurance coverage comes into force on the date specified in your policy.  

If payment of your first premium is not made within 15 days, the policy is cancelled on the date specified as the starting date.  

Can I change the terms of my Life+ insurance? 

Yes, it is possible to make changes to your policy. 

  • Once a month, you can increase or decrease the insured amount or the policy term. 
  • Once a month, you can add additional coverage, such as accident insurance. 
  • You can change or add beneficiaries at any time. 
  • You can terminate the policy at any time before the end of the term. 

To make changes, submit a free-form application through the online bank or signed electronically to life@cbl.lv. Include the changes you wish to make and your policy number. 

What should I do if an insured incident occurs? 

If you have accident insurance and an accident occurs: 

  1. As soon as possible, but no later than within 24 hours, visit a doctor, receive medical help, and comply with the doctor’s instructions.
  2. Inform the insurer.
  3. Submit a request for compensation. 

You can apply for a compensation here.   

Important! You should submit medical documentation confirming the accident and injuries. 

What documents are required to receive a claim payout? 

If the insured person has passed away: 

  • A filled-in application form. You can fill it in here.
  • A copy of your passport or ID card.
  • A copy of the insured person’s death certificate.
  • The inheritance certificate (if the application is submitted by an heir). 

Important! Compensation can be requested by the beneficiary (indicated in the insurance policy) or legal heirs. 
 
If there has been an accident or injury: 

  • A filled-in application form. You can fill it in here.
  • Documents issued by a medical institution which confirm the accident and describe the injuries (for example, broken bones or other health problems). 

Can I cancel my Life+ insurance agreement before it expires? 

Yes, you can cancel your agreement at any time. 

To do this, submit a free-form letter through the online bank or signed electronically to life@cbl.lv. 

If you have already paid your premium for the period after cancelling your agreement, we will refund this sum within 15 days.  

Where can I see my Life+ insurance policy? 

Your policy is always available in the online bank: Correspondence with the bank > Messages and notifications > CBL Life message > Download attachment. 

What happens if I miss a Life+ insurance payment? 

If you do not pay the insurance premium on time, your coverage may be suspended. If a covered event occurs during this period, the insurer will not be required to pay compensation. 

If payments are overdue for more than 6 months, the insurer has the right to unilaterally terminate the insurance contract. The insurer must inform you in writing that if the premium or a part of it is not paid within 30 days of receiving the notice, coverage will be suspended and will only be reinstated once the payment is made. 

How often do I have to pay my Life+ insurance premiums? 

You can choose the most convenient payment schedule for you: monthly, quarterly, every six months or annually. 

How quickly is the insurance benefit paid out? 

We do our best to review your claim within 30 days after receiving all the required documents. If needed, we may extend this period up to 6 months. Once the decision is made, your payment will be sent within 15 days. 

What does medical expense coverage include? 

Medical expense coverage offers financial support after an accident. Depending on your chosen plan – Standard or Premium – you may receive: 

  • A one-time payment up to 100 EUR or up to 300 EUR for medical services.
  • 50 EUR to 100 EUR for Lyme disease treatment.
  • In case of permanent disability up to 500 EUR or up to 1000 EUR for psychological support.
  • Up to 1000 EUR or up to 3000 EUR for home adjustments in case of permanent disability.
  • 150 EUR to 300 EUR if your child misses a camp due to an accident. 

Where to apply and what documents are needed if the insured person passes away? 

If the insured person has passed away, the beneficiary or legal heir must: 

  • Fill in the claim form here.
  • Provide a copy of their passport or ID card.
  • Provide a copy of the insured person’s death certificate.
  • If applying as an heir – attach the inheritance certificate. 

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