[F12] Individuals - Life insurance with loans

Life insurance with loans

Protection and financial stability to look after your loved ones

Our life insurance policies look after your loved ones and guarantee your family’s financial solvency. Our commitment through our products is in protecting and maintaining your household financial stability in the event of death, while preventing your loved ones from inheriting your debts. VidaCaixa can also support you in the event of death, total and permanent disability or unemployment. We make things easy for you. Here you’ll find the solution that best fits you:

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[F12] Particulares - Seguros de vida con préstamo


Life insurance with loan

Keep your family’s financial stability with VidaCaixa. With our life insurance policies linked to loans, you can ensure your household has financial support without inheriting your debts. Protect your loved ones against contingencies, including disability and unemployment. Find out about our products and services here:

SEVIAM, life insurance for mortgages and loans

  • With the SEVIAM life insurance, you’ll guarantee the repayment and cancellation of mortgages and personal loans. And get rid of it once you’ve finished paying the loan that’s linked to it.

  • This life insurance policy for mortgages and loans protects your debt in the event of total permanent disability or death. With this life insurance, your loved ones will not inherit your debts.

  • SEVIAM is not exclusive, which means that you can insure loans and mortgages from other credit institutions.

[F18] Benefits - Life insurance with loans


No debts

Guarantee the repayment and cancellation of loans in the event of the holder’s death or total or permanent disability and simply cancel the insurance once you’ve finished paying off the loan that’s linked to it.

One-off, yearly or monthly premium

The payment method will depend on the age and insured capital of the asset. If the insurance is temporary, you can pay a one-off premium, or if it’s a renewable yearly insurance, you can make yearly or monthly payments.

Financial protection

We watch over your peace of mind. Our services are the security and solution you need against contingencies, including serious illnesses, disability and death.

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Do you have any doubts or don’t know where to start? Check our FAQs to learn everything about our life insurance for loans. We’ll tell you all the details you need to know for your and your loved ones’ peace of mind.

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  • What’s an insurance policy?

    • The agreement between the insured and the insurance company is called the insurance policy. In particular, this document contains the specifics of the insurance and it’s made up of the general terms and conditions, the special terms and conditions and, if appropriate, other additional terms and/or application forms. It also includes the supplements that modify or complement the above.

  • What’s a life insurance?

    • A life insurance protects your family and anyone else who depends on your income in the face of unexpected events, including death or disability. In sum, with this agreement you can insure a capital sum and cover your family’s needs after the holder’s death. 

  • Why do I need a life insurance?

    • It’s without a doubt the best way to protect your future and VidaCaixa provides you with a tailored solution. A life insurance policy is the best way to look after yourself and your loved ones and guarantee their financial security in the future in an easy and affordable way.

  • In the event of death, who will receive the capital sum?

    • Losing someone you love is painful but it’s also a time when you have to take care of tedious bureaucratic procedures that make everything even harder. VidaCaixa wishes to make your life easy, so from the moment you take out one of our policies, we make these procedures easier by specifying the beneficiaries in the event of death. The beneficiaries can be changed as many times as you like. We show you how to do it here, step by step.

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As leaders of the Spanish insurance industry, VidaCaixa has lots to offer you. Here you’ll find the services that best suit you along with our life insurances for loans. Find out about them and combine our products and services depending on your needs.

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