This insurance offers you
- Monthly, quarterly or yearly premium payment options
- Minimum capital $30,000
- No need for medical exam
What does the Family Life insurance cover me?
- Death from any cause
- Absolute and permanent disability (available in Familia Plus)
- Serious diseases.
OTHER LIFE INSURANCE BENEFITS
- Profit sharing
- Capital advance for the payment of taxes
- Division monthly, quarterly or yearly
The Family life insurance offers you the possibility of providing maximum peace of mind to your loved ones in the face of a serious illness that you may suffer or in the event of death.
The main benefits that this insurance offers you are:
Easy to contract : You can contract the insurance completely online, with a minimum of € 30,000.00 of capital, since you do not need any medical proof to access this insurance. If the capitals or guarantees that we offer you online do not suit your needs, call us to make a personalized estimate.
Flexibility in payment : The payment of premiums: monthly, quarterly, semi-annually or annually.
Big discounts : You can get discounts of up to 30% of the premium thanks to the profit sharing.
Main insurance coverage
The main coverage that this insurance has is the coverage of death. Death produced in any way is covered except for the following cases:
The one caused as a consequence of illnesses or accidents prior to the entry into force of this contract.
Death due to suicide in the first year
That which is the consequence of an act of reckless negligence or gross negligence of the insured.
The derivative of the participation in criminal acts, bets, duels or fights, provided that in the latter case they have not acted in legitimate defense or in the rescue of people or property.
- The death that occurs due to the use of drugs, toxins or narcotics, not medically prescribed.
- Drunkenness is considered when the BAC exceeds the rates allowed in the traffic and road safety legislation.
- The death occurred during sport practicing as a professional player .
The one produced in an aircraft:
- When the insured is a pilot or is part of the crew.
- When the plane is driven by a person or even a pilot without a valid license.
The result of the practice, whatever the frequency of said practice, of aerial sports in general (parachuting, ascents in hot air balloons, bungee jumping, hang gliding flights, navigation with ultralights or gliders, or any other similar activity); participation in competitions, including training sessions, with land vehicles, boats or motor aircraft, whether as a pilot, co-pilot or passenger; and underwater diving, mountaineering, climbing or caving.
That produced as a consequence of nuclear radiation or radioactive contamination.
That produced by the extraordinary risks covered by the Insurance Compensation Consortium such as floods, earthquakes or other natural catastrophes, and as a result of armed conflicts, whether or not there has been an official declaration of war.
Numerous optional covers can be added to this coverage for your life insurance
Optional insurance coverage
In addition to protecting your loved ones in the event of death, you can add all the optional coverage you want to Family Life Insurance:
Death by accident : Your insurance company will pay the beneficiaries an additional amount to the total sum insured due to death – contemplated in the Particular Conditions – when the death of the insured has been caused by an accident or has taken place within the year from the date occurrence of the accident or occurs during the term of the contract, that is, occurs while the contract is active.
Death due to traffic accident : Your insurance will pay the beneficiaries an additional amount to the total sum insured due to death – contemplated in the Particular Conditions – when there has been an accident as a pedestrian or as a driver or passenger of a land vehicle or as a user of public land, sea or air transport.
Orphan by accident : Your insurance company will pay the children of the insured an additional amount to the total sum insured due to death – contemplated in the Particular Conditions – as long as the death is:
Within the first year from the date of occurrence of the accident
Consequence of the accident
Occurs during the term of the contract. The children of the insured who, on the date of death, live with the insured will have the right to collect this compensation (if they are under 18 years of age and are not emancipated or are absolutely incapacitated for work).
Absolute and permanent disability : Your insurance company will pay the insured sum determined in the Particular Conditions whenever, during the term of the contract, the irreversible physical or mental situation of the insured occurs that makes it absolutely impossible for him to carry out any work or professional activity.
Absolute and permanent disability due to accident : In this case, the insurer will pay an additional amount to the sum insured for absolute and permanent disability when the accident occurs within a year from the date of occurrence of the accident and if the accident has occurred. during the term of the contract.
Absolute and permanent disability due to traffic accident : Your insurance company will pay the insured amount whenever, during the term of the contract, the irreversible physical or mental situation of the insured occurs that makes it totally impossible for him to carry out his declared usual professional activity.
Total and permanent disability : Your insurance company will pay the insured the amount established in the Particular Conditions as long as, during the term of the contract, an irreversible physical or mental situation of the insured person occurs that makes it totally impossible for him to carry out his declared usual professional activity. or another similar one of their training and professional knowledge.
Serious illnesses : Family Life insurance covers certain serious illnesses. In the event that the insured is diagnosed with any, during the term of the contract, the insured amount will be paid. These diseases are: leukemia, lymphoma, Hodgkin’s disease, stroke or acute myocardial infarction.
The first three named diseases must be confirmed with a pathological report that certifies the need for surgical treatment, radiotherapy or chemotherapy.
If a stroke occurs, the brain tissue damage must have been caused by an intracranial hemorrhage or embolism or thrombosis in an intracranial vessel or subarachnoid hemorrhage to be covered by insurance.
The cerebrovascular accident must cause a permanent neurological sequela seen in a physical examination performed by a neurologist at least three months after the event. The diagnosis must be supported by magnetic resonance imaging, computed tomography (CT), or spinal cerebral fluid examination and must be exclusive of a previous stroke.
The acute myocardial infarction must have presented clinically accepted symptoms, have presented changes in the electrocardiogram or an elevation of specific cardiac enzymes.
In addition to these diseases, as independent coverage there are the following:
Breast cancer : Your insurance company will pay the insured amount as long as it is proven that the patients require, at least, one of the following treatments: cytotoxic chemotherapy, radiotherapy or breast surgery.
Prostate cancer : If the insured is diagnosed with prostate cancer during the term of the contract, your life insurance company will pay the amount established in the Particular Conditions.
Life insurance company : Your insurance company will pay the insured the amount determined in the Particular Conditions in the event that, during the term of the contract, they are diagnosed with AIG or Mutual of Omaha that generates a situation of dependency. For these purposes, a situation of dependency is understood to be the permanent inability to carry out, with or without help, at least three of the five basic activities of daily life: washing, dressing, moving, going to the bathroom and eating.
Dependency : Your insurance company will pay the insured the amount established in the Particular Conditions in the event that during the term of the contract they become dependent on any of the following degrees regulated in Dependency Law 39/2006, of December 14:
Grade II Severe Dependence: when the person needs help to carry out several basic activities of daily life two or three times a day but does not require the permanent support of a caregiver.
Grade III Great Dependency: when the person needs help to carry out several basic activities of daily life several times a day and the indispensable and continuous support of another person.