Göndereceğiniz her bir SMS, Avea ve Turkcell aboneleri için 0,50 kr.; Vodafone aboneleri için 0,40 kr. olarak ücretlendirilecektir. Ücretlendirmeye KDV ve ÖİV dahildir. Operatörün SMS ücretinde değişiklik yapma hakkı saklıdır.

Return of Premium Life Insurance

Protect your loved ones with Return of Premium Life Insurance against unexpected situations, get your premiums back as indexed to US Dollar at the end of the insurance period.

Return of Premium Life Insurance is a financial assurance, which provides cover against loss of life risk; furthermore it protects your financial situation by refunding your paid premiums as indexed to US Dollar if you survive the policy’s term.


If you are a healthy individual between the ages of 18 and 58, you may benefit from Return of Premium Life Insurance.

You may determine the insurance period between 12 and 20 years. Sum of the age and insurance period cannot exceed 70.

Return of Premium Life Insurance; includes death (loss of life) benefit and life benefit (premium refund at the end of insurance period).

You may reclaim your paid premiums as indexed to US Dollar if you survive the policy’s term.

In case of loss of life, we pay the death benefit, which is determined in your policy, to your loved ones.


Tax advantage:

You may deduct all of the premium amount you pay for yourself, your spouse and minor children, from your income tax basis; not to exceed 15% of the income you earn during the month when you pay the premium and the total annual amount of minimum gross wage. Thus, you may get a tax advantage at the rates varying between 15% and 35% according to tax bracket in the then-current month.
For detailed information regarding tax advantage and applications thereof, please contact us.

Discounts at contracted healthcare institutions:

In case you face any health problem, you may apply to our contracted healthcare institutions and benefit from discounted prices.
To see the list of all of our contracted healthcare institutions please click.

Free emergency ambulance and health consulting services:

In emergency cases, you may benefit from the free emergency land ambulance and health consulting services provided by "S.O.S. International Ambulance Service”. You may benefit from ambulance services with 20% discount for yourself in cases not considered within the scope of emergency and for your first degree relatives in all cases whether or not considered as an emergency case.


You may have this product by making a monthly premium payment of at least 40 US Dollars.

Your premium amount may vary by your age and your benefit amount.

You may pay your premiums as US Dollar. Your payments denominated in US Dollar shall be collected in TRY based on the foreign exchange buying rate of CBRT (Central Bank of the Republic of Turkey) on the payment date.

The upper limit of death benefit is set to 250 000 US Dollars.