·         Long Term Disability Pension

·         Health Insurance

·         Life Insurance

·         Retirement Pension

·         Premium Waiver

·         Travel Insurance


We can offer alternative investments for our clients, please contact us if you are interested.


Long Term Disability Pension

The purpose of long term disability insurance is to protect future earnings.

The benefits in the disability insurance will replace your income, in case of long term incapacity to work. While most people have prepared for the medical cost of severe injury or illness (through health insurance), they are often not prepared for the loss of salary that follows such a misfortune. In general, if you rely on your employment in order to pay the rent and buy food you should seriously consider disability coverage.

A disability pension replaces the regular income you can lose in case of sick leave due to accident or sickness. The benefit should cover 70% of gross annual salary

The insurance also includes:

Life insurance – a benefit will be paid out to the beneficiary in case of the insured person´s death

Accidental dismemberment – a benefit will be paid out in case of accident

Premium Waiver – if you become disabled, the insurance company takes over the premium payments.

Anyone who work and live outside their home country can get this insurance. It replaces you from 25% sick rate as long as the illness consists, but not later than age 65.

Please contact if you want an offer or if you need further information..



Do you have a suggestion  where Tellus should go next time?

Sometimes Tellus hold seminar abroad and visit new places. We discuss which insurances that are important to have as an expat, as a family or if you are locally employed.

After the seminars you can book a private meeting with Tellus, which of course is free of charge for you as an individual and also for companies.

Please contact us if you have any suggestions where we should go next time.

Copyright © 2012, Tellus Försäkringsrådgivning AB, Mikael Börjesson

Tellus Försäkringsrådgivning AB
Regnbågsgatan 8A
SE-417 55 Göteborg

Telephone: +46-(0)31-779 0830
Fax: +46-(0)31-779 0680