Term insurance allows employees to benefit from cover for more than one year, with the greatest advantages. This solution is adapted to each group, has 24-hour cover 365 days a year and premium payments can be one-off or periodic. It covers death but can be extended to include permanent disability in all its degrees or death by accident, among other circumstances.
Whole Life Insurance allows you to secure lifetime cover for employees. It is aimed at groups and organisations with social welfare commitments for their employees. This insurance is suitable for any group, provides advice for Spanish companies abroad and provides cover 24 hours a day, all year round and for life. It mainly covers death but can also be extended to other circumstances such as permanent disability or traffic accident death.
Annual renewable term insurance of capital sums for accidents allows you to offer your employees extensive cover for the possible consequences of an accident. Cover can be 24 hours a day for 365 days or only during working hours. It is also possible to arrange a capital sum if after an accident there is partial permanent disability and additional health care can also be arranged.
Frequently asked questions
It is a document that contains the conditions of the insurance. It comprises, inseparably, the general conditions, the specific conditions and, where applicable, the special conditions and/or the subscription certificates, as well as the supplements that modify or complement the previous ones.
This is a contract that allows you to insure capital to cover unforeseen situations in the event of death (or disability, if this coverage is included).
A pension plan is a product that allows you to save comfortably so you can have capital or income when you retire or in the event of disability and, when you die, so your beneficiaries can have it. Pension plans are also currently a product that allow you to maximise savings on your income tax returns.
To facilitate the assignment of beneficiaries in the event of death, at the time of signing the contract we will provide you with a form where you can specify them. You can change these names as many times as you wish.
Depending on your age and the capital sum you wish to insure, you will be asked to undergo medical tests, ranging from a brief health questionnaire to a medical examination. If you have to undergo a medical examination, you will be able to do so in reputable centres in your city or province, and always free of charge.
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