¿Qué es un seguro de vida y para qué sirve?

Do you know what life insurance is and what it is for? What types of life insurance are there?

Life insurance is a legally binding contract that pays a death benefit to the policyholder when the insured dies. For a life insurance policy to remain in force, the policyholder must pay a single premium upfront or pay periodic premiums over time. When the insured dies, the designated beneficiaries of the policy will receive the face value of the policy or the death benefit.

The main coverage of any life insurance is death from any cause. However, additional coverage can be contracted, such as absolute disability.

For the contract to be enforceable, the life insurance application must include the past and current health conditions and high-risk activities of the insured. If the insured does not offer precise and exact information, or lies about their health conditions and their activities, the insurer may refuse to pay compensation in the event of death or other aspects covered by the policy, if they have been contracted.

Life insurance can be risk life insurance and savings insurance.

There are two main types of life insurance risk can be temporary whole life. Whole insurance can provide coverage for a lifetime, while term life insurance offers protection for a specified period of time.

Before taking out life insurance, it is important to analyze your own financial situation and determine how much money would be needed to maintain the standard of living of the beneficiaries or satisfy the need for which a policy of this type is contracted.

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

In addition, in our  life insurance comparator  you can compare the prices and conditions of the best life policies on the market, including life insurance with coverage in the event of absolute permanent disability. And just by contracting a life policy with us you can participate in the  #RetoPuntoSeguro , with which you will get an interesting bonus on the renewal of your life insurance just for having an active lifestyle and overcoming the monthly challenges.

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 ¿Qué tipos y modalidades de seguro de vida hay?
Siguiente artículo ¿Quién puede cobrar el seguro de vida?