In this article, you’ll learn:
- What does the life insurance market in Poland look like in 2025?
- How to choose the best life insurance policy?
- What do you gain by choosing life insurance from Leadenhall?
Life Insurance in Poland – 2025 Overview
The latest report from PIU (“Life Insurance. Financial Support in Difficult Times”) shows:
- By Q3 2024, total life insurance premiums reached PLN 17.7 billion - a 4% increase year-over-year.
- Benefit payouts fell to PLN 12.2 billion- down from the pandemic peak.
Despite this growth, life insurance still isn’t as popular in Poland as it is in countries like Spain, Germany, or France, where it’s seen as a standard product. In Poland, many still think of life insurance as a luxury - but this couldn’t be further from the truth.
Over 85% of Poles worry about serious illness in the family, and over 80% fear not having enough money for treatment. Almost 85% also fear the death of a loved one.
How to Choose the Right Life Insurance Policy?
The main purpose of life insurance is to protect your family financially in case of death or serious illness. However, each family has different needs - so it’s essential to choose a policy that matches your individual situation.
When deciding on the right insurance amount, consider:
- How many people rely on your income
- Your family’s monthly living expenses
- Your loans and other financial obligations
- Savings and investments you already have
- Possible future costs (like your children’s education)
Choosing the right life insurance isn’t easy - that’s why we’ve outlined three key policies from Leadenhall below.
Life Insurance Options from Leadenhall
Leadenhall Life
This is a flexible life insurance policy with a fixed coverage amount, designed for working adults under the age of 70. It comes with a stable, affordable premium that stays the same throughout the policy term.
- Example: A 20-year term life policy with PLN 1 million coverage for a 30-year-old costs under PLN 100/month.
- Coverage ranges from PLN 50,000 to PLN 2 million.
- Optional add-ons include:
- Accidental death benefit (extra payout for accidental death)
- Permanent disability cover (inability to work due to illness or injury)
Leadenhall Kredyt
A dedicated life insurance policy for people with a mortgage. It protects your family from debt in case the borrower passes away.
- The insured amount decreases over time, matching your loan balance.
- Premiums also decrease yearly, saving you 30–40% compared to traditional fixed-amount life insurance.
- Often, you can cancel the bank's policy after 3–5 years and switch to this one - without affecting your mortgage terms.
Leadenhall VIP
Premium life insurance designed for high-net-worth individuals who want to secure large sums for their beneficiaries.
- Coverage up to PLN 10 million
- Fixed premiums
- Pays out in the event of death from any cause
- Flexibility to divide benefits among multiple recipients
Why Choose Leadenhall Life Insurance?
- Clear terms - No hidden clauses or confusing language. You’ll understand exactly what’s covered.
- Limited exclusions - Usually only civil code exclusions and war-related events apply.
- Easy online sign-up - Buy your policy in as little as 15 minutes.
- Trusted payouts - Leadenhall is backed by RGA (Reinsurance Group of America), one of the world’s largest reinsurers, listed on the New York Stock Exchange.
Secure Your Loved Ones – Today
Life insurance gives your loved ones financial protection when they need it most - whether it’s paying for daily expenses, repaying a loan, or covering medical bills.
Want to choose the best life insurance for your needs? Contact us - our advisors are ready to help.
