PRODUCTPORTFOLIO

BalticfinanceIndustrivej 1

6330 PadborgDenmark

www.balticfinance.comprodukt@balticfinance.com

Images used under license from Shutterstock.com

As security for our obligations towards our customers, more than DKK 660 billion are available through the various funds at Lloyd’s and FSCS. We are at your disposal for further information about Lloyd’s capital structure and Financial Service Compensation Scheme FSCS.

Our 24/7 full-time accident insurance is often used as a door opener by our brokers and agencies because it catches the attention of potential customers.It includes cover that no other insurance company in Denmark is offering. Over the last 10 years we have insured over 35,000 persons, which has given our sales partners the opportunity to sell additional pri-vate insurance products.

The accident insurance covers you all year round, anywhere in the world, without any time limit. It is adapted to the level of activity of the modern family and adjusted to international conditions.There are no risk classes, i.e. everyone pays the same price - regardless of occupation. We can also offer coverage from 1% permanent disability, with only 2 risk classes, depending on whether the insured person has manual work or not.

The permanent disability rating list of the Labour Market Insurance has been extended and adjusted to international conditions:In case of loss or non-functioning of the body parts or sensory organs mentioned below, only this permanent disability rating list is applicable.

A leg65%80%

An eye20%40%

An ear10%

20%

A hand55/60%70%

A foot30%

40%

An arm65/70%80%

A thumb20/25%

30%

The blue percentages are the rates of the permanent disability rating list of the Labour Market Insurance.

No risk classes

The permanent disability rating list has been improved signifi-cantly compared to the rating list of the Labour Market Insurance.

Covers permanent disability from 1%

Covers twisting injuries, injuries caused by increased effort and back injuries

Covers most dangerous sports at no extra charge

Covers motorcycling at no extra charge

Covers infectious diseases

Premium manual work Cover at 100% disability No Yes

500.000 DKK 1.250.000 693,21 891,231.000.000 DKK 2.250.000 1.328,89 1.700,281.500.000 DKK 3.375.000 1.964,57 2.509,332.000.000 DKK 4.500.000 2.600,25 3.318,372.500.000 DKK 5.625.000 3.235,93 4.127,423.000.000 DKK 6.750.000 3.871,61 4.936,46

Progression 225%incl. DKK 100,000 death cover

incl. administration fees and government taxes

Cover at 100% disability Premium500.000 DKK 1.250.000 DKK 193,14

1.000.000 DKK 2.250.000 DKK 378,071.500.000 DKK 3.375.000 DKK 562,992.000.000 DKK 4.500.000 DKK 747,922.500.000 DKK 5.625.000 DKK 932,843.000.000 DKK 6.750.000 DKK 1.117,77

Progression 225%incl. DKK 50,000 death cover

incl. administration fees and government taxes

Progression 225%incl. DKK 100,000 death cover

incl. administration fees and government taxes

Cover at 100% disability Premium500.000 DKK 1.250.000 DKK 542,96

1.000.000 DKK 2.250.000 DKK 1.028,391.500.000 DKK 3.375.000 DKK 1.513,812.000.000 DKK 4.500.000 DKK 1.999,242.500.000 DKK 5.625.000 DKK 2.484,673.000.000 DKK 6.750.000 DKK 2.970,10

ACCIDENT INSURANCE1

Improved permanent disability rating listA

Unique Selling PropositionsB

C Accident – permanent disability from 5%No risk classes – same price regardless of occupation

D Accident – permanent disability from 1%Only 2 risk classes

E Children’s Accident

Images used under license from Shutterstock.com

As security for our obligations towards our customers, more than DKK 660 billion are available through the various funds at Lloyd’s and FSCS. We are at your disposal for further information about Lloyd’s capital structure and Financial Service Compensation Scheme FSCS.

NEW PRODUCTS 2

Full combined insurance including fire, other building damage, fungus, rot and insects, pipe damage, which also includes e.g. damage to wells

In connection with pipe damage, the value of leaking water is also covered

Optional cover for pest, extended water damage and cosmetic damage

For a property of up to 125 m2 a full combined insurance costs from DKK 2,640 per year

Damage caused by fire, storm, cloudburst, vandalism etc. may, as you know, change your financial situation drastically. Therefore, when developing our house insurance, we did not only focus on offering a low premium but also a comprehensive cover that gives the house owner peace of mind and safety for the whole family.

BWith our contents insurance the customer is well covered if property is damaged or stolen. The insurance covers the entire household and also in-cludes a liability insurance which provides cover if an insured person causes damage to other persons or their property.

The insurance covers other sudden damage

Bicycles are automatically covered up to DKK 20,000 and only DKK 500 deductible

Garden tools and tools up to 25 HP are automatically covered

A contents insurance with a sum insured of DKK 500,000 costs from DKK 1,200 per year

Without a travel insurance, the financial responsibility is entirely yours if something goes wrong abroad.Our travel insurance is a basic annual travel insurance that provides cover worldwide – private and business, i.e. both during holiday and business trips.

Up to 56 days per trip, - unlimited number of trips

Ambulant treatments, stationary treatments, dental treatment, medications

Daily allowance during treatment in hospital abroad: DKK 370

Repatriation

The price is DKK 240 per year for a single person and the whole family can be insured for DKK 390 per year

A House Insurance

B Contents Insurance

C Travel Insurance – private and business

D System

Overview of all customers, policies and payment status

Easy to create and accept offers

Connected to EDI for safe cancellation of old insurance policies

In order to meet all the requirements and expectations we have for an IT system, we have chosen to develop our own system which gives us the flexibility, freedom and speed that we need to support our business partners in the best possible way.

In cooperation with our insurance partners at Lloyds of London we have developed a comprehensive and favourable family package.

On the next page you will find our basic tariffs.

We also cover holiday houses at very competitive conditions.

We also offer dog liability insurance with figurant cover.

Please feel free to contact us for further information:

Address: Industrivej 1, 6330 Padborg, Danmark

Email: produkt@balticfinance.com

Web: www.balticfinance.com

E Contact

Images used under license from Shutterstock.com

As security for our obligations towards our customers, more than DKK 660 billion are available through the various funds at Lloyd’s and FSCS. We are at your disposal for further information about Lloyd’s capital structure and Financial Service Compensation Scheme FSCS.

A HOUSE(private)

BASIC TARIFFS3

Area 1 - Small citiesm2 1991 1976-1990 1965-1975 1950-1964 1930-1949 1900-1929

0-100 2.200 2.530 3.520 3.300 3.740 3.630101-125 2.640 3.036 4.224 3.960 4.488 4.356126-150 2.860 3.289 4.576 4.290 4.862 4.719151-175 3.300 3.795 5.280 4.950 5.610 5.445176-200 3.850 4.428 6.160 5.775 6.545 6.353201-225 4.043 4.649 6.468 6.064 6.872 6.670226-250 4.235 4.870 6.776 6.353 7.200 6.988Area 2 - Postal code 2600-2880, 3000-3600, 4000-4600, 5000-5299, 6700-6715, 9000-9299

m2 1991 1976-1990 1965-1975 1950-1964 1930-1949 1900-19290-100 2.750 3.163 4.400 4.125 4.675 4.538

101-125 3.300 3.795 5.280 4.950 5.610 5.445126-150 3.575 4.111 5.720 5.363 6.078 5.899151-175 4.125 4.744 6.600 6.188 7.013 6.806176-200 4.813 5.534 7.700 7.219 8.181 7.941201-225 5.053 5.811 8.085 7.580 8.590 8.338226-250 5.294 6.088 8.470 7.941 8.999 8.835

Area 3 - Postal code 1000-2500, 8000-8299m2 1991 1976-1990 1965-1975 1950-1964 1930-1949 1900-1929

0-100 3.000 3.450 4.800 4.500 5.100 4.950101-125 3.600 4.140 5.760 5.400 6.120 5.940126-150 3.900 4.485 6.240 5.850 6.630 6.435151-175 4.500 5.175 7.200 6.750 7.650 7.425176-200 5.250 6.038 8.400 7.875 8.925 8.663201-225 5.513 6.339 8.820 8.269 9.371 9.096226-250 5.775 6.641 9.240 8.663 9.818 9.529

0-50m2 51-75m2 76-100m2 101-125m2 126-150m2

Premium 2.150 2.588 3.010 3.763 3.978

Combined house insurance (fire, storm, oth-er damage, fungus and hidden pipes)

Garages and outbuildings up to 100 m2 are included

Houses renovated in 2000 or later are to be rated by the year of renovation

Deductible DKK 2,000

B CONTENTS DKK 1 2 3 4 5500.000 2.750 2.500 1.800 1.200 800750.000 3.093 2.812 2.227 1.417 944

1.000.000 3.758 3.416 2.706 1.722 1.1481.250.000 4.235 3.850 3.049 1.940 1.2931.500.000 4.849 4.408 3.491 2.221 1.4812.000.000 5.957 5.415 4.289 2.729 1.8192.500.000 6.873 6.625 4.949 3.180 2.120

1 1000-2500, 2840-2850, 2950-2980, 3000, 3460, 8000-8260,

2 2600, 2610, 2625, 2650, 2730, 2770-2791, 2820-2830, 2900-2942, 3600-3650, 4600, 4700, 5000, 5220, 5240, 5260-5270, 9600-9670

3

2605, 2620, 2630-2640, 2660-2720, 2740-2765, 2800, 2860-2880, 3060-3080, 3140-3150, 3200, 3300, 3400, 4000, 4100, 4140-4171, 4174, 4200, 4250, 4262, 4300, 4400, 4450-4460, 4500-4520, 4534-4591, 4632-4640, 4654, 4681-4690, 4733, 4736, 4874, 4895-4983, 5029-5210, 5230, 5250, 5290, 5300, 5491, 5492, 5560, 5610-5631, 5672-5700, 5762-5771, 5800, 5874-5884, 6000, 6051-6200, 6580, 6640, 6960, 6990,7430, 7570, 8370, 8382-8420, 8450-8464, 8530, 8543-8560, 8581, 8600, 8660, 8860-8881, 8900-8940, 8970-9283, 9320-9340, 9700,

4 Postal codes not mentioned in 1-3 or 5

5 3700-3790, 5900-5935, 5960-5985, 6720, 7620-7650, 7673-7680, 7800, 7840, 8305, 9940

Deductible DKK 2,000

Bicycle DKK 500

Dog liability (per dog) DKK 300

All prices in DKK

C HOLIDAYHOUSE(private)

Insurance (fire, storm, other damage, fungus and hidden pipes)

The following tariffs are basic tariffs without discounts and optional covers.

Images used under license from Shutterstock.com

As security for our obligations towards our customers, more than DKK 660 billion are available through the various funds at Lloyd’s and FSCS. We are at your disposal for further information about Lloyd’s capital structure and Financial Service Compensation Scheme FSCS.