Tranquilidad en los momentos difíciles.
¿Por que contratar un seguro de decesos?.
Contratar un seguro de decesos te brinda la tranquilidad de saber que, incluso cuando ya no estés, todos los imprevistos relacionados con un fallecimiento estarán cubiertos. Esto significa que tu familia no tendrá que preocuparse por nada en un momento tan trágico.
Un fallecimiento es un suceso muy trágico para una familia, nuestros seguros de decesos no pueden evitarlo, pero si pueden facilitar que todo el proceso sea de la manera más sencilla y sin más preocupaciones para los allegados.
¿Qué coberturas ofrece nuestro seguro de decesos?
Nuestro seguro de decesos cubre todos los aspectos relacionados con la defunción, proporcionando un servicio funerario completo, ya sea inhumación o cremación, asesoramiento legal y jurídico a los familiares del fallecido, gestión de trámites administrativos, celebración de servicios religiosos o similares, y todo lo relacionado con el fallecimiento del asegurado.
Además de estas coberturas esenciales, nuestros seguros también ofrecen beneficios en vida. Por lo tanto, más que un seguro para los muertos, podemos considerarlo un seguro para los vivos. Algunas de las prestaciones más relevantes incluyen:
- Seguro de asistencia en viaje: Para que tú y tu familia podáis viajar con tranquilidad, ofrecemos coberturas sanitarias y otros servicios que garantizan tu bienestar durante el viaje.
- Asistencia jurídica familiar: Para consultas jurídicas, redacción de documentos,confección de testamento gratuito y un abogado de familia a tu disposición.
- Seguros de muerte o invalidez por accidente: Para protegerte en caso de eventos inesperados.
- Servicios de salud: Como la teleasistencia médica con un médico disponible para consultas en línea, y una amplia gama de servicios dentales.
Preguntas frecuentes
How much does funeral insurance cost?
The price of our funeral insurance varies depending on several factors, including the age of the insured, the percentage of the policy’s leveling, the population (as the insured capital can vary depending on the municipality) and the type of service provided.
To give you a more concrete idea, the cost of a death insurance policy for a 40 year old couple with two 3 year old children can vary between 10 and 22 euros per month, depending on the level. Remember that these prices are approximate and may vary depending on the specific conditions of each policy.
What is a single-payment, closed-premium life insurance and natural payment insurance?
To understand all the different types of funeral insurance, it is essential to know that, like life insurance, the premium for funeral insurance increases with age. In other words, the older the person, the more expensive the insurance.
When a certain age is reached, usually from the age of 70 onwards, insurance companies do not allow to take out a death insurance policy and pay it in instalments, as it would not be profitable due to the advanced age of the insured. In these cases, when the insurance is paid in full at once, we are contracting a single payment.insurance.
The difference between the natural and the closed insurance is also related to age. In the level premium, a ‘price’ is set for a given age, and that price does not vary as the person gets older, let’s say we close at one price. On the other hand, in the natural insurance, the price is determined according to a table of ‘prices’ for each age, so we will see the premium increase as the years go by.
How to choose the best funeral insurance for me?
The choice depends on each individual circumstance, but at Futurseguros we offer you some recommendations that can help you to take out the most suitable funeral insurance for you.
- Research the company’s reputation: What opinions do customers have about their funeral service, are they positive, what does the service include (mortuary, funeral home, wake, memorials, etc.)
- Check the coverage: Funeral insurance does not only cover death, but also offers other services that you may not need and that you could save on.
- Ask if the product is finalist or only indemnifies: Some companies only indemnify the day of death and do not carry out the service. At Futurseguros we do not offer these companies
- Decide how much you want to pay: Select a level percentage for the premium, although a higher level may result in an initially more expensive premium, in the long term, the level premium is cheaper. The natural premium may seem an attractive option at first because it is cheaper initially, but in the long run, you end up paying more, ideally a balance between the two.
What happens if you don't have funeral insurance?
First, it is important to check whether the deceased had insurance. How? By checking the deceased’s documentation, correspondence, etc. to see if there are any insurance receipts.
If the answer is no, it is best to apply to the Registrar of Insurance Contracts for Death Cover for a certificate of insurance cover. This process can take approximately 2 months.
If the deceased was not insured, you should contact a local funeral home, many of which have websites, for a quote. The price varies depending on whether you choose burial or cremation (cremation is usually cheaper than burial), and the services you hire, such as the wake, religious services, flowers, etc. To give you an idea, the cost of a death usually ranges between 2000 and 3500 euros.