By contracting life insurance you are ensuring the tranquility and well-being of your family. We advise you on the best life insurance in Tenerife and Las Palmas.
What is life insurance for?
Life insurance covers the death or absolute permanent disability for any reason of the person insured in the policy. The insurance provides the contracted capital to the beneficiaries of the insured in the event of his death, or to the insured himself in the event that his absolute and permanent disability is declared. The objective would be for the insured compensation to help mitigate the adverse effects that the death or disability of one of its members may have on a family. Our insurance brokers in Tenerife and Las Palmas help you hire best life insurance adapted to your needs.
Is accidental death or disability covered by life insurance?
The life policy allows additional coverage for death or disability due to accident. In this case, the capital to be indemnified would be double that which had been contracted. The amount to be compensated can even be tripled when it comes to traffic accidents. Our life insurance advisors in Tenerife and Las PalmasThey will help you hire the coverage you need.
Is life insurance mandatory for a mortgage?
By law it is not mandatory to take out life insurance to be able to take out a mortgage, although it is common for the bank to offer better conditions for the mortgage if you take out life insurance with them. We recommend that you do the calculations to see what suits you best and let yourself be advised by experts in life insurance. In our insurance brokerage in Tenerife and Las Palmas We can help you with your life insurance.
What does the life insurance contracted with the bank cover?
The life insurance that is contracted when formalizing a mortgage with the bank, in most cases, only covers the payment of the house. In this way, if something happens to us, the bank is protected and would collect the amount of the mortgage that was pending repayment at that time. But, in this situation your family would be unprotected. At Canarisk, we advise you on the coverage you need so that you have the best life insurance in Tenerife and Las Palmas.
How much does life insurance cost in the Canary Islands?
The life insurance premium varies depending on many factors: age, personal circumstances and state of health, guarantees and capital to be insured. At Canarisk we carry out a study of your circumstances and needs to offer you the best life insurance in the Canary Islands.
How long does it take to collect life insurance?
The processing of claims in life insurance is usually quick and simple, especially if the insurance is contracted with an insurance broker such as Canarisk. The really important thing you should know is that the beneficiaries of life insurance have a term of 5 years to collect the insured capital. After this time, the obligation of the insurer to compensate the beneficiaries expires.
What is the actuarial age?
The actuarial age is the age closest to the birthday, earlier or later, whether or not it has been fulfilled. The actuarial age is taken as a reference to calculate life insurance. If you take out your life insurance with our insurance brokerage in the Canary Islands, You will not have to worry about this, we advise you and help you to contract the best insurance adapted to your personal circumstances.
Is it mandatory to carry out a medical examination to take out life insurance in the Canary Islands?
It is not always necessary for the insured to pass a medical examination to take out life insurance. This is common when the capital that is contracted is very high, and it depends on each insurer. It is more frequent that the insurer requires to fill in a health questionnaire prior to contracting, it can even be a telephone questionnaire carried out by the insurer itself. In any case, our insurance brokers in Tenerife and Las Palmas They will help you throughout the process contracting your life insurance in the Canary Islands.
