COVERING INSURANCE FROM LIFE TO DEATH BY ANY CAUSE

 COVERING INSURANCE FROM LIFE TO DEATH BY ANY CAUSE

If you are looking for life insurance you'll be seeing that all insurers offer as head coverage death by any cause, so it stands to reason that in case of death, our beneficiaries will receive the capital insured in any case.

Usually this is so, and there is no reason to worry. However, from PuntoSeguro.com I recommend to read the General conditions of the insurance that you are going to hire in order to discover if the insurance has some kind of exclusion and if we can affect calmly.

What is an exclusion? It is a situation which, in the event of, will not be covered by life insurance. In the vast majority of life insurance sold in Spain there are some general exclusions to the guarantee of death for any reason that you must know before hiring:

1. Suicide during the first year of the policy: it seems logical not? In this regard, I met the case of an insured person who, knowing the exclusion, chose to take his life the day after the renewal of his life insurance. Although this sad fact is very uncommon, since then I have not stopped to ask me that this exclusion only lasts for the first year.
2. Death resulting from the descent parachutes that are not a result of an emergency situation.
3. Death caused by a nuclear catastrophe.
4. Damages for acts arising from armed conflict, natural disasters and criminal acts of the insured.
5. The consequences of accidents or illnesses incurred prior to the entry into force of life insurance.