CAN LIFE INSURANCE STAY WITHOUT CHARGING?

CAN LIFE INSURANCE STAY WITHOUT CHARGING?

A few days ago it came to light a very interesting story. In the year 2014, 151.539 people discovered a family life insurance. If these people discovered this was since they looked the record that was created in 2007, the Ministry of Justice, whose main function is to prevent these life policies without charging for ignorance of them by the beneficiaries.

Since its inception, nearly a million people have benefited from this service, since thanks to him have been able to collect insurance whose existence were unknown. Since 2007, this record has been processed 2.410.298 applications, 382.421 of which were processed in 2014.

However, it is still possible that life insurance is free of charge. Let's dig a little on this topic and I explain why.

HOW TO KNOW IF YOU ARE A BENEFICIARY OF A LIFE INSURANCE

If you think that you can be a beneficiary of a life insurance you can go to recheck the registry when 15 working days have passed since the death of the holder possible. You will have to attach the death certificate and fill out an application.

With this, the registry will issue a certification stating the insurance he had hired the deceased. With this certification you should go to the insurance company with which the deceased had contracted the policy to find out whether or not the applicant is the beneficiary.

THE INSURER DOES NOT HAVE WHY TO REVEAL THE IDENTITY OF THE BENEFICIARY

If it is the case that the beneficiary of the insurance is not the person filing the certificate, the insurer is not obliged to reveal who is really the beneficiary of the policy.

Therefore, if the person concerned does not see, it does not charge. And although in general the beneficiaries tend to be heirs or the current partners of the deceased, you never know who may have been agreed it, or who may have forgotten fold as the beneficiary, that's all there is.

IF YOU DOUBT ABOUT WHAT YOU HAVE CONTRACTED, IT ASKS

If you have questions about what life policies you have contracted, you can ask for information at the Ministry, which issued a briefing note.

INFORMATION REQUESTED OF EX OFFICIO BY THE NOTARIES

Many of the requests for information to the register were issued by notaries, that make it ex officio when dealing with processing an inheritance.