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‍1. What is it?

Life insurance is a crucial contract that provides long-term financial protection for significant life events such as the birth of a child, reaching adulthood, retirement, accidents, or even death. By signing such a policy, you commit to paying premiums over a long period, up to 30 years, ensuring that your family and loved ones are financially protected in case of unforeseen events.

‍2. What does It cover?
  • Protection Policies: These provide coverage for biometric risks such as accidents, total or partial disability, death from accidents or other causes. This type of insurance is ideal if your priority is protection.
  • Savings and Protection Policies: These policies combine protection with savings, allowing you to accumulate savings over the long term in addition to providing coverage for the aforementioned risks. At maturity, you will receive the value of the savings account, which ideally should be at least equal to the total amount of premiums paid.

‍3. How to obtain It?
  • Consult an Independent Specialist: Before signing a policy, discuss with a specialist who can help you objectively analyze at least three offers from reputable international insurers such as Allianz-Țiriac, Generali, Uniqa, or Vienna Insurance Group.
  • Identify Your Needs: Determine whether you need a policy focused on protection or one that combines protection with savings.
  • Compare Offers: Carefully analyze the costs and benefits of each offer to make the best decision.

4. Useful Tips
  • Review Multiple Offers: Do not sign a life insurance policy without comparing multiple options. Consult with a specialist who is not affiliated with just one insurance company.
  • Identify Your Priority Need: Decide whether you need protection or savings as a priority. Protection-focused policies are more affordable but do not offer financial returns if no unpleasant events occur. Policies including savings offer financial benefits at maturity but come at a higher cost.
  • Do Not Confuse Life Insurance with Private Pension Plans: Life insurance that includes savings also involves costs for protection, whereas a private pension plan focuses exclusively on saving. Pension funds operate under stricter regulations and have additional guarantees.
  • Freedom of Choice of Insurer: If a bank requires you to take out life insurance for a loan, remember that the bank cannot force you to choose a specific insurance company. You can select from a list of approved insurers, and a specialist can help you choose the best option.

1. What is it?

Life insurance is a crucial contract that provides long-term financial protection for significant life events such as the birth of a child, reaching adulthood, retirement, accidents, or even death. By signing such a policy, you commit to paying premiums over a long period, up to 30 years, ensuring that your family and loved ones are financially protected in case of unforeseen events.

2. What does It cover?
  • Protection Policies: These provide coverage for biometric risks such as accidents, total or partial disability, death from accidents or other causes. This type of insurance is ideal if your priority is protection.
  • Savings and Protection Policies: These policies combine protection with savings, allowing you to accumulate savings over the long term in addition to providing coverage for the aforementioned risks. At maturity, you will receive the value of the savings account, which ideally should be at least equal to the total amount of premiums paid.
3. How to obtain It?
  • Consult an Independent Specialist: Before signing a policy, discuss with a specialist who can help you objectively analyze at least three offers from reputable international insurers such as Allianz-Țiriac, Generali, Uniqa, or Vienna Insurance Group.
  • Identify Your Needs: Determine whether you need a policy focused on protection or one that combines protection with savings.
  • Compare Offers: Carefully analyze the costs and benefits of each offer to make the best decision.
4. Useful Tips
  • Review Multiple Offers: Do not sign a life insurance policy without comparing multiple options. Consult with a specialist who is not affiliated with just one insurance company.
  • Identify Your Priority Need: Decide whether you need protection or savings as a priority. Protection-focused policies are more affordable but do not offer financial returns if no unpleasant events occur. Policies including savings offer financial benefits at maturity but come at a higher cost.
  • Do Not Confuse Life Insurance with Private Pension Plans: Life insurance that includes savings also involves costs for protection, whereas a private pension plan focuses exclusively on saving. Pension funds operate under stricter regulations and have additional guarantees.
  • Freedom of Choice of Insurer: If a bank requires you to take out life insurance for a loan, remember that the bank cannot force you to choose a specific insurance company. You can select from a list of approved insurers, and a specialist can help you choose the best option.
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About MIB

What Our Partners Say

Over the years, MIB has consistently demonstrated professionalism, dedication, and a deep understanding of our mutual clients' needs.

Our collaboration is built on shared values such as integrity, innovation, and a commitment to providing superior quality services. MIB is not just an insurance intermediary but also a true strategic partner, increasingly contributing to the success and development of Asirom.

Madalin ROSU
CEO - Asirom Vienna Insurance Group

MIB, one of the top 10 brokers nationally, is also among the leading brokers distributing mandatory PAD policies. This not only highlights its success as a business but also under scores its significant social role in raising public awareness about the importance of financial protection for homes.

MIB achieves these results thanks to its excellent market reputation and significant presence across all counties in the country. In 2023 and 2024, MIB increased the number of distributed PAD policies by nearly 30%, making us proud to be partners.

Nicoleta Radu
General Director - PAID

Since the beginning of our collaboration in 2005, Generali Romania has enjoyed a trusted partnership with Millenium Insurance Broker.

We continue to develop this partnership daily, providing smart solutions and services that respect our clients' time and meet their financial protection needs.

Adrian Marin
CEO - Generali

OMNIASIG Vienna Insurance Group has a solid, long-standing collaboration with Millenium Insurance Broker. We have always found in them a reliable partner and a team of professionals we can count on.

Together, we work towards the development of the insurance market in Romania, delivering quality products and services to clients promptly.

Mihai Tecau
Chairman of the Board - OMNIASIG Vienna Insurance Group

A successful and lasting partnership, such as the one we have with the Millenium Insurance Broker team, is built on shared values and the desire to provide our clients with the best products and services.

Congratulations on all that you do every day for your clients, and continued success.

Calin Matei
CEO - Groupama

Insurance is about doing good—good in people’s lives, businesses, and communities. We are proud to have reliable distribution partners like Millenium Insurance Broker by our side.

We share the same dedication to service excellence and have a common mission: to build a future with fewer worries and greater prosperity in Romania. Thank you for the solid partnership and for contributing to making things better.

Virgil Șoncutean
CEO - Allianz-Țiriac Asigurări

Millenium Insurance Broker is a trusted and valuable partner for Romanian Airport Services. 

For over 10 years, they have represented us with professionalism and dedication, consistently finding comprehensive insurance solutions, both nationally and internationally.

Thanks to their efforts, our insurance protection needs have always been optimally covered.

With appreciation and gratitude,

Alexandra Huzuneanu
CEO - Romanian Airport Services

MIB is a trusted partner for the Autonom Group.

I appreciate Ștefan and his team's professionalism, promptness, and swift support.

Marius Stefan
CEO - Autonom

Millenium Insurance Broker has been our insurance service provider since 2019, right from the early days of Bright Communication. Thanks to their team of professionals and their client-focused approach, addressing the increasingly complex business needs of our industry, the relationship between our entities has evolved.  

Today, MIB is one of our main partners. And not just any partner, but the one that protects us from risks.

Jeni Grigorescu
General Director - Bright Communication

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