What makes our temporary life insurance different
Thanks to Temporary Life insurance, in the event of an unforeseen event, you and your family will always have the necessary financial backing to tackle it. Also, this insurance has complementary services that go beyond a renewable temporary life insurance, increasing your protection.
Categories of this insurance
This type of insurance policy is initially taken out for a period of one year and can be renewed annually, depending on your needs.
Temporary Life insurance allows you to choose a capital amount that remains constant throughout the policy term, or alternatively a capital amount that progressively increases by being revalued with each renewal, according to the CPI or a fixed percentage of 1% or 10%. You choose how you want your life insurance to be.
With this type of policy, you decide the duration of the insurance policy when you take out the policy. It can range anywhere from 5 to 25 years. With the Term Life policy, both the insured capital and the premium payments remain constant throughout the policy term.
What our temporary life insurance covers
With this cover, the beneficiaries in the insurance policy will receive an indemnity in the event of the insured person's death.
You can personalise your life insurance, temporary or term, by choosing the different options offered by this guarantee:
- Death due to an accident: with this optional cover, the beneficiary will receive twice the insured capital if the death is caused by an accident.
- Death due to a traffic accident: including this coverage, if death is the result of a traffic accident, the capital received by the beneficiaries will be three times that of the insured party. Temporary Life insurance also has an additional capital for the insured person's children if both parents pass away in the road accident.
This cover adds to the Temporary Life insurance policy a special protection in the event of permanent and total disability of the insured person, compensating them with the capital sum set out in the policy. It also includes the extension of the coverage with the following options:
- Total permanent disability through accident: if the disability situation is due to an accident, the capital received will be double the amount arranged for the disability guarantee.
- Total permanent disability through road accident: if the disability is a consequence of a road accident, this capital will be triple the amount.
This coverage provides you with an advance on the insured capital in the event of a serious illness, such as cancer, heart attack, stroke, multiple sclerosis and amyotrophic lateral sclerosis, kidney failure or paralysis, as well as in the event of surgery for coronary artery disease and transplantation of a vital organ.
This advance can be for 25%, 50% or 75% of the insured capital for the coverage of death, up to a maximum of 150,000 euros, which you may choose when you take out the insurance policy.
Services included in our life insurance
A doctor at your disposal 24 hours a day
We put you in contact with a professional by telephone or video call to answer any health-related query you may have.
- At any time of the day, wherever you are.
- Immediate attention, with no waiting lists.
A lawyer when you need one most
Resolve any legal matter that may arise in your private or family life.
- 24 hours a day, 365 days a year.
- No limit on consultations.
- Social Security administration procedures and claims for Social Security benefits.
Get a second diagnosis for greater peace of mind
A team of professionals will analyse your case, issue a second medical opinion, and advise you on the most appropriate treatment.
- Without leaving home.
- For serious illnesses.
- Also in the event of surgical procedures.
Treatment and rehabilitation for your heart
If you have had heart disease, we can help you with the physical and psychological cardiac rehabilitation process.
- Physical training.
- Psychological rehabilitation.
- Rehabilitation programmes from 4 to 12 months.
We help you to manage your last wishes
Leave everything planned, easily and comfortably.
- 3 procedures in 1.
- Without leaving the house.
- With the advice of an expert.
FAQs
Temporary life insurance is especially designed for people who are looking to guarantee the financial protection of the people around them. They seek to avoid unfavourable situations derived from their death or situations such as absolute disability, incapacity or certain serious illnesses. Therefore, it is an insurance policy that provides financial support in the event of any contingency arising from death, serious illness or accident.
Knowing what capital you need to contract in a life insurance policy is as simple as answering three questions:
- The monthly income you want to guarantee for your spouse and children.
- How long you will need this cover for.
- Your family's current economic situation: the savings available and financial commitments.
The best option is to undertake a full analysis with your insurance broker. They will provide you with a personalised study that will allow you to determine what capital you need to contract to ensure the financial needs of your family are well covered.
Our finances can cover the needs of our family, but they should also compensate the difference between Social Security coverage and our current standard of living.
A disability, for instance, implies a considerable increase in expenses —medical care, home care, rehabilitation, adaptation of the home, vehicle, etc.— which, together with a reduction in income, can lead to a significant reduction in initial assets.
With this insurance policy you can foresee the future evolution of the insurance capital from the instant you take out the policy, so that the insured capital is always kept up to date.
Also, during the period of validity of the policy, you will be able to request as many modifications as you consider pertinent, with total flexibility.
Temporary life insurance is, as the name suggests, a life insurance policy that is taken out for a certain period of time. Usually the duration is one year. Also, this life insurance can be customised, just like the others, so that you can choose the coverage that best suits you.