Find the best life insurance at the cheapest price
Life insurance is essential to ensure economic tranquility of a family. It is therefore important to understand how they are different policies and compare the many companies that exist to make an informed decision.
Through comparative AsesorSeguros.com can get your personalized life insurance among the most important insurance market in a matter of minutes. Simply call 902 51 99 83 or request to be contacted and a specialist adviser will review your case in depth to find the life insurance with the best price and coverage between all the options.
One of first things to consider before you start to compare is to differentiate the policies covering the risk of death for those covering the case of life insurance also known as savings. While the first type provides for compensation in case of death, the second option is a kind of investment, since it allows the insured to recover all or part of capital invested after a specified period.
Insurance for death
Whole Life Insurance: The insurance company agrees to pay the compensation awarded in the event of death of the insured, regardless of time of the situation.
Term insurance: This type of policy provides a period of insurance (eg if the death occurs before the insured reaches age 65 of age) and life insurance company agrees to pay compensation only if the insured person dies within that period.
Endowment insurance: An insurance guarantees payment of the capital is, if the insured person is still alive at the end of the contract. Would have to differentiate endowment insurance “with a refund of premiums”, where the company returns the premiums paid if the insured dies, and policies “with no refund of premiums, which provide that the premiums will be made in power the insurer in case of death of the insured.
Deferred annuities: The company agrees to pay a regular capital (income), after arriving alive at the date stated in the policy.
Annuity insurance: These policies are defined one or more beneficiaries, who get a certain income until the death of the insured.
