Personal insurance
NITO Personal Insurance
No one can insure against illness, accidents and death, but NITO Personal Insurance provides financial security for you and your family in an otherwise difficult situation. The insurance consists of two optional coverages: Life Insurance and Disability Insurance Extra.
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Benefits of NITO Life Insurance
- The insurance provides a tax-free lump sum payment to survivors in the event of death
- The insurance is valid until the end of the year you turn 75
- The insurance can be purchased for both you and your spouse/cohabitant
- You decide the amount of the sum insured: 10G, 20G, 30G, 40G or 50G
- You decide who the insurance will be paid to (spouse, cohabitant or children)
Benefits of NITO Disability Insurance Extra
- The insurance provides a tax-free lump sum payment in the event of at least 50 per cent permanent disability
- The insurance can be purchased by members
- The insurance is valid until the end of the year you turn 60
- You decide the amount of the sum insured: 10G, 20G or 30G
To be able to buy this insurance, you must be a member.
NITO Life Insurance
If you support more than yourself, you should have insurance that gives your loved ones financial security if you pass away.
NITO Life Insurance makes it possible for the family to service debts and other fixed expenses when an income is lost, so that they can have the same standard of living as before.
NITO Disability Insurance Extra
If you are unlucky and become incapacitated, NAV pays 66 per cent of your salary in disability benefit. However, only income up to six times the National Insurance basic amount (G) is included in the calculation. This means that you will be paid a maximum of NOK 515,433.
NITO Disability Insurance Extra helps to cover for the lost income, so that you can have the same standard of living as before.
What is the National Insurance basic amount (G)?
As of 1 May 2025, the basic amount (G) amounts to NOK 130,160.
- Most benefits in the National Insurance Scheme are stated in the number of G.
- The basic amount is regulated by the Storting on 1 May each year.
Online mental health care is included in NITO Personal Insurance
Everyone with NITO Personal Insurance receives mental health care through digital self-help programs with guidance and follow-up included in their insurance.
Are you properly insured? Talk to us
NITO's insurance centre can take a free review of your insurance policies and provide good advice to ensure that you are covered in the best possible way.
