Why buy life insurance?

And life insurance It is a protection for the family in the event of death or death of the head of the family, who may be the father or the mother as well as a figure who fulfills the function of being the main protector and provider of the offspring that has been insured.

        It is important to keep in mind that they are an opportunity to leave the family left behind settled so that they do not have any problems in addition to being able to provide them with enough money to make the necessary funeral expenses.

        That is, in the event of the death of the person who contracted the insurance, the children can obtain the benefit, increasing their quality of life as long as the clauses that the contracting person stipulated at the time of making the agreement are complied with.

Types of life insurance

        As in everything related to insurance in the life insurance There are three specific types which have their differences even though they belong to the same line, which can be chosen by the client when making the contract. These can be:

  1. Survival

        For this, the person must stipulate the sum and the date on which he must be compensated, so at the end of the contract, if the contracting party is still alive, he may have the option of renewing it as many times as he wants or receiving the total sum at the time it arrives. as of the date thereof.

  1. Death

        The insurer, which is the company in charge of making the contract with the person who has stipulated the insurance, has the obligation to deliver the sum that has been stipulated at the beginning of the negotiation in the event of the death of the beneficiary, to the relatives of the beneficiary. insurance contracting client. 

  1. Mixed 

        They combine these two previous types of insurance in which clauses are made between the contracting party and the insurance advisor who is the person in charge of the company to be able to negotiate the terms of the commitment to be acquired by the client.

What you need to take out life insurance

        There are many compensations to stipulate when hiring a life insurance and that they will depend on the age, health as well as the work carried out by the client who wants to make a contract of this type to stipulate the amount to be covered.

        It is important to be clear about this since if you have a job that insurance companies believe is dangerous, the amount to pay is usually high due to the uncertainty produced by being with a person who is on a tightrope.

        Hence, the value changes on a person who works as, for example, a professor or teacher in an educational institution, and so that the contract can be given in the best possible terms, there are a series of rules to follow when it comes to being accepted by the company. company.

 

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