If you've never stopped to think, it's time for you to stop it.
When you get older, he begins to worry about things that previously did not have the slightest importance.
The economic problems that can cause the family after the death is one of the fears.
42% of Spaniards older than 25 years claims to have contracted some type of life insurance: 16.7% tied to a mortgage and 25.3% "open market", unlinked to any financial product, according to the Institute of sociological studies Analysis and Research.
What is life insurance?
Life insurance is a form of personal insurance covering the risk of death of the insured (in the case of death) or survival to maturity (in the case of life).
It aims to ensure the economic security of people who are economically dependent on the insured in case it dies
How to choose the ideal life insurance?
Choose a safe is no easy task, but you must choose properly for long-term for long-term compliance with the expectations placed on him.
It should take into account a series of guidelines, such as considering the number of children aged or minors in charge, and family needs the money to enable it to recover to a new financial situation).
What are the different life insurance protection?
1. ordinary or life insurance life: ordinary life insurance provides protection to the insured lifetime as long as premiums are paid. Permanent life insurance policies require the payment of premiums constant value.
2. Term life insurance: the insurer will only pay the sum insured for this coverage if the insured dies during the term stipulated in the policy contract.
It aims to provide protection during this period.
3. Total life insurance: the insurer will pay the insured amount of this coverage at the end of the contracted period or earlier if the insured dies. It aims to provide protection for death and survival.
Smart buying Life Insurance
1. Get quotes from several companies. Each insurance company uses some assurance guidelines, a company can sell a policy with a lower insurance premium than another.
2. Make comparisons. It is important to ensure that the policies being compared offer similar levels of coverage.
The more features and benefits is a policy, the more it costs. But it is important to know that a policy should not choose by price alone, but by their characteristics and to be adjusted to the needs.
3. Payment of the sum insured. The payment is another point that should be checked precisely because it is not the same one payment, which involves delivering the total insured amount, that one trust, in which fixed payments made in partial forms.
4. It is important to consider the possibility of modifying the level of protection according to the specific needs of each moment.
What are the benefits of a life insurance?
Life insurance is mainly characterized by the benefits.
1. Protection of the survivor, providing necessary funds for the survivors of the insured to maintain their lifestyle in the event of death of the insured. If something happens to the insured, you loved ones may go ahead and overcome the new financial situation presented.
2. In case of permanent disability, the insurer provides compensation that allows complete offering state pension.
3. This insurance has indefeasible character, which means that life insurance is not liable for the debts that the insured had to die. This allows the time for the heritage, the insured sum is received though the debts of the policyholder be rejected.
4. If the beneficiaries are the direct relatives, who receive capital in case of death is not required to pay taxes on inheritance and gift tax, is exempt. With this, the policyholder can rest assured that the capital will be hired to reach the family.
5. The policy may be winning and losing coverage as beneficiaries in terms of what is needed or decide at all times. You can include a new loved one as beneficiary or without coverage that we no longer need.
For many this issue is somewhat violent, but good advice is essential to study the diversity of offerings to determine the ideal coverage as needed.
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