Life insurance for sick people

Life insurance is based on the probability of survival of a person for a certain period of time. Today, thanks to advances in medicine, it is possible that a person who suffers or suffered a serious illness expect a very long life expectancy. Simply because their disease has become chronic and stabilized or having passed a suitable treatment or surgery.

But the insurance industry continues to serve only the assurance of people coming clean or almost clean the recruitment process.

This caused a lack of protection for the families of these people, much more sensitive to the need for life insurance because you have seen the wolf ears. Also, this market situation has made many people could not afford housing due to lack of personal guarantees.

Since the beginning of 2014 in my company we have the first life insurance created especially for people with preexisting disease, so it is possible to meet the enormous needs of this group. We can assure people with HIV, with fibrosis, transplantation, cardiovascular and cerebrovascular diseases, mental illness, cancer and so on. As long as your situation is stable and there is a reasonable life expectancy. We can inquire about this insurance on this link.

It is a sure fit for a huge profile of needs, both in the home and business, and we can assure 1, 5 or 10 years from 60,000 euros to 3.5 million euros. We explain in the video below:

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Is it important to have a life insurance?

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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Is it advisable to purchase insurance prior to holiday home?

With the arrival of warm weather and thus, in a few weeks, the summer holidays. It is a key moment for the recruitment of home insurance and the importance of protecting the residence when traveling on vacation and also be covered for any unforeseen in the second residence.

Problems like a leaky faucet, theft, electronic equipment left on a summer or moisture that affects a neighbor during the holiday period can be assumed that rest days are spoiled and become a nightmare.

So to avoid such mishaps and rest fully vacation is advisable to hire home insurance to cover any damage and not have to worry. This should be taken regarding whether you will enjoy a second home as if the house is rented to third parties.

What should include insurance coverage?

To protect your home and valuables you have inside, experts recommend hiring a home insurance. They can choose those insurance coverage with a standard home or a specific insurance for a given type of housing.

To hire a basic home insurance is important that you have a number of coverages.

• Coverage theft: Theft is an issue that everyone is risky to be both owners and tenants. So the insurer guarantees the replacement value of the entire real estate secured within the housing and personal valuables displayed declared in the policy.

• Cosmetic damage coverage: This coverage refers to damage caused by flooding or long periods of rain. In the event that any of this happens, the policy covers any damage or injury and all rooms or home stays that have been affected by the incident.

• Liability: One of the most necessary we hire insurance clauses. Guarantees compensation arising from material or personal damage to third parties.

Large families hire more types of insurance

Large families are those that employ a broader range of insurance, both auto, home, health, deaths or civil liability, especially in homes with four, five or more persons.

One factor that also determines when a variety of insurance contract is the family structure. Families where children live tend to hire more health policies. And other hand, another important factor is the employment status of family members.

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