Umuarama also provides services in the overall insurance area.  Through our associate, UIL Insurance Company, that jointly works with major, solid insurance companies in the market, you may uncover top conditions for your insurance aligned with a courteous and efficient customer service.

• Home insurance

Home insurance policies offered by Umuarama cover a wide range of unforeseen incidents, such as fires, electric damages, windstorms, lightening, among others which may very often entail in irrecoverable losses.

• Corporate Insurance

Umuarama corporate insurance policies provide security and tranquility to business owners since business people have no time to worry about unforeseen events. This insurance provides more time to be dedicated to the company’s development and productivity.

• Condominiums

Umuarama Condo insurance policies cater to residential, commercial, mixed, or office buildings, further to flats and apart-hotel Condominiums.  The insurance policy may be designed in a simplified manner at reduced costs, facilitated forms of payment, including all sorts of coverage possible, comprising civil liability, plus building superintendent and employee coverage.
 
• Lease guarantee

This Umuarama insurance policy simultaneously offers agility to Lessors and Realtors while also being a prime alternative for tenants who need a guarantor.  It serves the property owner as a warrantee for overdue rent or charges unpaid by the tenant, even prior to the eviction order, i.e., during the course of the legal proceedings.  Furthermore, it includes reimbursement of legal expenditures or, for the county’s top cities, full legal assistance is provided totally free of charge.

• Car insurance

The car insurance offered by Umuarama is fully focused on streamlined and effective customer services.  We provide all sorts of coverage which considering our unique conditions, reach extremely competitive prices.

• Life insurance

Umuarama provides five life insurance models:

- Individual Life Insurance policy: offered in several plans providing 24/7 assistance to the insured subject anywhere in the world. Umuarama also makes available a service with assistance during travels with multiple options for contracting insured capital.

- Corporate Life Insurance policy: holds for its purpose the providing of security in reference to the employee’s and family’s future.  The company has the choice for hiring separate coverage for group life insure or Collective Personal Accident Insurance. Thus, the company extends an additional benefit to the employee, conveying motivation and work safety.  

- Educational Life Insurance policy: This insurance policy covers costs with the children’s education in case of unforeseen events or temporary unemployment. The coverage period comprises tuitions from kindergarten to college.

- Loss of Professional Income Insurance policy: This insurance entails per diem payments on account of disability and has been developed for medical doctors or liberal professionals, guaranteeing up to 365 paid days per year in case of illness or accident.

- Personal Accidents Life- Insurance policy: Covers medical-hospital expenses in case of accidents, while guaranteeing compensation pay in case of accidental death or permanent disability, caused either naturally or by accident.  Umuarama further provides Assistance to the Insured (valid up to 100 Km from home), guaranteeing 24/7 Assistance in domestic or international travels, still including medical, dentistry, legal, transportation or removal in case of accident, and locating of stray luggage services.

• Private Pension Plans

- Individual Pension Plan: Safe, flexible investment programmed in accordance with your contributions.  There are multiple options for contracting with guarantee of monetary restatement  referent to the amounts paid, calculated by the IGP-M rate + 6% /year, further to a yearly distribution of 75% of the financial surplus. The legislation in effect allows you to deduct your contributions in your tax returns, using the IRS calculation basis.  You become therefore allowed to plan the income you wish to receive upon retiring further to specifying the amount and date for initiating payments.

- Corporate Pension Plan: A programmed investment fund where the company chooses the amount, period and contribution percentage. The amount gathered by the fund is invested in such way as to increase the ROI. The fund offers multiple contracting options leaving it up to you to decide the best manner to provide a more carefree future to your employees and their dependents.

- Children’s Pension Plan:  The use of this fund allows you to guarantee a future reserve for your children or dependents. Once they turn 21, they become the fund’s titleholders and can use it as they find fit.  Contributions are invested by professionals who work with the objective of increasing the income.

- PGBL: The Free Benefit Generator Plan (Plano Gerador de Benefício Livre) is an Investment Fund that may be reverted to complement your retirement pension.  Through it, the person determines how they wish to receive their income which in itself warrants a less troubled future.

- VGBL: The Life Free Benefit Generator (Vida Gerador de Benefício Livre) is an insurance policy with a pre-set term that combines the profitability arising from an investment with the dependability  arising from life insurance. The insured specifies how much he/she would like to gather during one to twenty years, with an option to receive the money as a monthly income. In case of some incident, the family receives the insured capital along with the investments made during the period of effectiveness.