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It is insurance that guarantees, as main coverage, the risk of death or survival (or both) of one or more insured persons. It may also include, as complementary coverage, the risk of disability, accident or unemployment.
In the event of the death of the insured person (insurance in the event of death), the insurer pays the agreed capital to the beneficiary if the insured person dies during the period set out in the contract.
In the risk of survival of the insured person (insurance in case of life), the insurer pays the beneficiary the agreed capital, if the insured person is alive at the end of the contract. These insurances are usually used to create savings. In this case, the beneficiary may be the insured person himself.
- Death due to illness or accident
- Permanent Disability for the Compatible Profession or Activity (IDP) due to illness or accident
- Serious Illnesses