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What does life insurance cover? Basic coverages and guarantees for your insurance (2022 / 2023)

There will come a time when you think about protecting the most valuable thing you have: your private life. To do this, you start by comparing the different policies you find in the market, but do you know exactly what life insurance should cover? In this article, you can learn more about: How to choose the best life insurance? What does life insurance cover? death cover Insurance in case of absolute and permanent disability invalidity insurance Other life insurance

If you want to protect your loved ones when you're away, buying life insurance is the best option. This way, you will have the assurance that the beneficiaries of your chosen life insurance will receive their compensation upon departure. However, compensation for death is not the only thing that pays a life insurance: in Kelisto we explain the conditions of a life insurance at risk more interesting for your interest when signing the contract.

How to choose the best life insurance? Before we talk about what life insurance covers, it's worth noting that choosing between these types of insurance can be tricky, due to the sheer number of companies offering these policies, each of which has its own set of unique policies and different features. On the other hand, you can also consider buying your mortgage life insurance to get a better rate for your money, but in this case you will definitely have to buy the policy through your bank. If this is not your case and you need help to search among all the offers, Kelisto puts at your disposal a life insurance comparator with which you can access all the results offered by the main insurers in the market.

In addition, to make it easier for you to find the life insurance that best suits your needs, on our website we also provide you with an assessment of the life insurance companies, the cheapest rates today and our article on the best insurers on Friday

What does life insurance cover? The simplest life insurance coverage is death. In addition to death, life insurance may cover other additional risks, such as the risk of temporary or permanent disability, partial or total disability, or death from specific causes, such as death, such as serious illness or accident. death cover This is the most important life insurance coverage at risk: No compensation in case of death, there is no life insurance. Logically, the beneficiary of this insurance cannot be the same as the insured. Now, as part of this coverage, insurance companies can offer a number of different services between companies: funeral expenses Although it is a death insurance, some insurers offer it in risk life insurance, such as Segurvital or Antares. Of course, they are not usually integral: in the case of these two companies, for example, they will cover only 15% of the cost.

capital of death It is the amount that the beneficiary will receive in case of death of the policyholder, which will be reevaluated over time. In this coverage, it is interesting that our insurance takes into account the doubling (up to three times) of the insured capital in case of death in an accident or traffic accident. In this way, the deceased will continue to be insured but will have a higher level of compensation if the death does not occur due to natural causes. For example, if the insured contracted a life risk policy with an insured capital of 100,000 euros and died in an accident, the compensation that the insured would receive would be 200,000 euros (the capital is doubled). In the event that the insured capital is tripled due to a traffic accident, the beneficiary will receive 300,000 euros (triple capital).

cause of death You need to make sure that the risk life insurance you buy covers all causes of death, so you don't have problems with the insurance company later on. Among these causes are the natural death of the insured, accidental death or suicide. The last ground is specified in article 93 of the Insurance Contract Law: "Unless otherwise agreed, the risks of suicide of the insured will be insured after one year from the date of conclusion of the contract. For these purposes, suicide shall be understood as the death caused by the insured consciously and voluntarily. In other words, if the insured committed suicide within the first year of signing the document, the insurer may refuse to pay. Cheaper insurance with term insurance

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