¿Cubren los seguros de vida el fallecimiento en acto terrorista?

Is death as a result of a terrorist act covered by life insurance? Does the life policy cover death by terrorism?

Although life insurance covers death from any cause, death due to a terrorist act is among the causes of death excluded from coverage.

In these cases, the coverage is assumed by the Consorcio de Compensación de Seguros.

But this has not always been the case. In fact, until 2006 insurers did cover death in a terrorist act. However, in the wake of the series of massive terrorist acts in Europe and North America in the early years of the new century, and the magnitude of the tragedies and the terrorist threat itself, international reinsurance companies decided to refuse to continue taking on life insurance. And without international reinsurance, the cost is so high for national companies that the Spanish private insurance sector asked the Government not to continue assuming these policies. The Ministry of Economy accepted and that is why since 2006 the coverage of this type of risks is dealt with by the Insurance Compensation Consortium.

Therefore, in case of suffering any of the contingencies covered in life insurance as a result of a terrorist act, it is the Insurance Compensation Consortium that must be addressed.

Need help with your individual or group life insurance?

At PuntoSeguro we not only process your life policy, but we also help you in any future procedure you may need. We also advise you when hiring your policies and inform you of the best rates to renew your insurance with the necessary advance.

In addition, in our mortgage life insurance comparator you can compare the prices and conditions of the best life policies on the market, including life insurance with coverage in case of absolute permanent disability. And just by taking out a life policy at PuntoSeguro you will participate in the #RetoPuntoSeguro, an exclusive challenge that we propose to the employees of the companies so that they are rewarded when they perform physical exercise. Through the PuntoSeguro Fit App, the physical activity of each user is rewarded through challenges, both individual and collective. In addition to having your daily physical activity controlled and contributing to social causes (collaborating in overcoming the collective challenge), you can get a discount of up to € 120 on each renewal of your insurance, as you overcome the individual challenge month by month.

If you need more information to take out insurance or need any additional clarification, do not hesitate to contact us.

¿Has resuelto tus dudas?
No me gusta 0
Artículo previo ¿Se puede cobrar un seguro de vida sin aceptar la herencia?
Siguiente artículo ¿Se puede dar de baja el seguro de vida vinculado a una hipoteca una vez concedida?