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Problems with your health insurance? Learn how to claim

Faced with a conflict with your health insurance, the first thing you should do is try to solve the problems directly with the company. © Pixabay

Have you taken out health insurance and have problems with the company already started? Do not worry! If you want to file a claim, in this guide we explain all the steps to follow so that the process does not become a nightmare.

Over the years, there are many reasons that can generate conflict with your insurance company and your health policy.

In fact, saving by hiring your health insurance or finding the best company does not guarantee that you will not have problems throughout the duration of your policy.

The non – payment of compensation, sudden changes in the contract, undue charges … the list of problems that are usually generated with health insurers are endless.

In this sense, it is best to file a claim with your company. But, how to carry out this procedure? What are the steps to follow to avoid making mistakes and for your application to be effective?

Let’s review each stage of the process in detail:

Define the reason for your claim

Before submitting any type of claim to your health insurer, you need to be clear about the reasons why you want to carry out this procedure.

It is important that you can determine the main existing problem and whether or not it comes from a failure on the part of the company.

On some occasions, complaints are unleashed after poor attention by the health professions or medical center officials and, in light of this, the claims should not be directed to your insurer.

Now, if you have more than one complaint, you should sort them by importance. When you file the claim, it will be easier for you to explain the problem.

Review the conditions of your contract

The second step before filing a claim is to check the terms and conditions of your health insurance contract.

In a large percentage of cases, the claims are due to a misunderstanding of the contract by the client or misinformation of what is stipulated at the beginning of the policy.

If you realize that, in effect, the company is not incurring any type of failure because everything is contemplated in the document, you will be able to analyze the possibility of changing your insurance or modifying its conditions.

Submit your claim to your company’s SAC

angry person
The last instance of claim in the judicial way. 
© Pixabay

If you are sure that the problems with your health insurer are due to a failure, a breach of contract, or poor management, the first thing you should do is file a claim with the company’s Customer Service (SAC).

For this, you should contact your insurer and inform them of your decision to file a claim. They will explain the different ways available to carry out this management.

It is important that you know that your insurer has the obligation to resolve your claim within a period of no more than two months from the moment it is submitted.

Once the company has resolved your claim, it must notify you of its decision within 10 days after it is made.

Defender of the Insured

It may happen that your insurance company has a Defender of the Insured and that, therefore, you should not contact the SAC.

Your contract stipulates the path you must follow in case of problems or if you want to file a claim.

It is important that you know that each insurer has an Ombudsman, however, he works independently from the company.

In order to file a claim with him, you must send it by certified mail or by any other system that allows you to obtain proof of shipment.

The claim must contain your personal data, the policy data, and the reasons for this. Remember that by sending the document to the Insured’s Ombudsman you will not be able to manage another claim by any other means.

Do not forget to attach all the documents that can substantiate your complaint and serve as evidence for a later resolution.

The Ombudsman has a maximum period of 2 months to declare a sentence and 10 days to send you his answer.

In all cases, the insurer has the obligation to assume the verdict. However, the insured is free to take advantage of the solution or not.

Commissioner for the Defense of the Insured and the Participant of Pension Plans

In case you do not want to accept the resolution of the SAC or the Defender of the Insured, you can contact the General Directorate of Insurance and Pension Funds.

This body has a new figure dedicated to helping users who have conflicts with their insurers. It is the Commissioner for the Defense of the Insured and the Participant of Pension Plans.

To try to resolve your case and find a solution that suits you, the Commissioner will advise you throughout the claim process and will process your complaints and inquiries.

In this way, the Commissioner has a period of 6 months to answer and grant a verdict, however, the insurer has no obligation to comply with the ruling.

Given this, and in case you do not agree with the possibilities proposed by the previous instances, you still have other means of claim: the arbitration route and, ultimately, the judicial route.

Resort to arbitration

Trying to find a solution to your problem through some extrajudicial resolution system can be quite advantageous if you consider that you will not have to pay a euro to make your claim valid.

However, you must remember that to access this system you must have the acceptance of the claimed company. That is, the two parties must be willing to resolve the conflict.

If you are interested in going this way, you will only have to submit a request for arbitration in writing to one of the following organizations:

  • Consumer Information Office of your Community.
  • Associations of consumers and users adhered to the arbitration system.
  • Regional Consumer Arbitration Board.

The last option: the judicial route

If you tried by all means but none of the other options resolved the conflict that you have with your health insurer, the only option you can resort to is the judicial process.

It depends on the type of damage suffered, there are two types of claims to make through the courts:

Claim for property damage

In this case, you must file the claim in the Court of First Instance within the year following the claim.

If you do not agree with the sentence handed down by said Court, you must go to the Provincial Court within three days.

Claim for claims with injuries

In this case, you must file the complaint with the Investigating Court within 60 calendar days from the date of the incident.

If you do not agree with the resolution, you can appeal to the Provincial Court within 24 hours.

Complete guide to optical insurance

Optical coverage allows you to access ophthalmological services and treatments. © iStock

Children, adults, or the elderly, the truth is that no one is free from having a visual problem that leads them to wear glasses or contact lenses. And, although in Spain this problem occurs in a large part of the population, Social Security does not cover all the needs of its inhabitants.

Although wearing glasses or contact lenses is not synonymous with a serious illness, the need to use a visual correction system is an issue that should not be taken lightly.

Indeed, More than 70 million people must use a system that allows them to correct one of the many optical failures that exist today.

So what happens when the Social Security Plan doesn’t cover the cost of these gadgets? How to correct our vision problems?

The outlay for the purchase of an ophthalmological device, whether glasses or contact lenses, is quite high. However, some insurers include special optical coverage in their medical policies that will allow you to cover those needs.

What is called optical coverage?

As with dental insurance or other special policies, optical coverage is the one that the insured subscribes and through which they can access ophthalmological services and treatments that will then be fully or partially reimbursed.

Who can subscribe an optical coverage?

Although each insurance company establishes its own conditions, most set an age limit when contracting policy of this type, ranging between 65 and 75 years.

What does optical coverage include?

The coverage normally offered by optical insurance are:

  • Comprehensive eye exams
  • Glasses
  • Contact lenses
  • Graduated crystals
  • Prescription sunglasses
  • Optical glasses frames

In other words, the optical coverage covers the expenses you have to make on glasses and contact lenses in the event that there is a medical need.

Certain companies may also include in their policies certain additional and infrequent coverages such as contact lenses to modify the color of the eyes, intraocular corrective lenses, prosthetics or implants.

What should you pay attention to?

Hiring the best health insurance, whether general or specific, involves reviewing and searching within what the market offers us.
Given this, it is important that you take into account certain points when deciding on one coverage or another.

Coverage limits

As with any type of insurance, companies set limits for each of their policies. As a general rule, most insurers set this limit to one prescription and one bill per year.

However, depending on the type of premium you want to pay, it may be that the company does not cover 100% of the expenses but only takes 50%.


The grace period is the time that must elapse from when you contract your policy until you can make use of its coverage.

Some insurers set the grace period at 6 months, however, there are others that offer you the coverage contracted from day one.


In most insurance policies, insurers set certain exclusions that, in no case, may be covered by the contracted premium. Among them are:

  • Medical consultations with an ophthalmologist
  • Medical or surgical treatment for the eyes
  • Orthoptic exercises
  • Low vision
  • Aniseiconia
  • Tomographs
  • Replacement of frames or glasses as a result of loss, theft, abuse or breakage
  • Medicines


It is important that you remember that a large part of the insurers will not assume the expenses of optical services in the event that the condition has begun on a date prior to the beginning of the contract.

How to compare health insurance?

Do not forget to choose an insurance company that you trust. © Pixabay

The Health policy is one of the coverage that Americans contract with the greatest care and regularity. For this reason, it is very important to take the time to properly analyze the different offers that the market offers. Check in this guide how to compare this type of insurance to make the best choice.

Didn’t you get the coverage you expected? Your health insurance does not guarantee dental benefits? Does the medical chart not accommodate your needs? …

Many people are surprised when using their health insurance when they realize that the coverage or compensation does not correspond to their calculations.

However, and despite the claims and long waits, most of the time the problem lies in the ignorance of the contract and the poor choice of the policy.

Given this, the most important thing before hiring health insurance is to compare the different policies offered by the market and evaluate the one that best suits your own needs.

Here we give you five tips to compare in the best way.

Write down your needs and those of your family

Before launching into the comparison of the different policies offered by the market, it is important that you take into account the medical needs that your family group presents.

All people are different and, therefore, not all require the same attention. Some must go to the doctor frequently because they have a particular symptom, others are content with making the mandatory visits.

Some of the points that you can take into account when analyzing the particular needs of your family are:

Choice of medical staff

If you always visit the same doctor and you like to personally choose the professionals who will give you care, then you should choose an insurer that includes them in their medical chart.

Take a good look at the lists of the doctors and clinics that work with your insurer, otherwise, you will have to change companies or pay the cost of the consultation in a private way.

Frequency of medical visits

If you are one of those who visit the doctor periodically, we advise you to opt for medical insurance without copayments. This modality allows you to access all health services in exchange for the payment of a monthly premium.

On the contrary, if you are one of those who never go to a visit of this type, you may want to opt for a policy with a copayment.

In this case, the monthly premium is much cheaper and you only have to pay a small supplement when you need to go to the doctor.

Look only for trusted insurers

When hiring your best health insurance, you should not look only at the value of the premium and the coverage they offer you. The choice of the insurance company is also very important.

Remember that there are insurers that do not market certain types of insurance and others that are specialists in a specific market.

To be sure that you are selecting the best companies, we advise you to:

  • Make sure it is a serious company with a long history in the market.
  • That works with a wide range of clinics, doctors, and specialists.
  • That it gives you different options to customize your policy.
  • To present to you the conditions and the fine print of the contract from the beginning of the negotiations.

Check the coverage that each insurance includes

© Pixabay

Even if you think that you already have all the necessary elements to choose the best health insurance, the truth is that there are still some steps that you should take into account.

One of the most important aspects of a policy of this type is the type of coverage that you will obtain after being hired.

Do not forget that in addition to the traditional guarantees, there are coverages that can be adapted very well to your specific needs, and that, therefore, would be important to hire.

We are talking, for example, about women’s health insurance or those that offer a greater guarantee in terms of optical devices.

Analyze well the coverage provided by each of the insurance that you have on your list and do not forget to review those additional or special guarantees.

Ask about grace periods and other special conditions

It is important that you inform yourself about all the conditions of the contract because many times the policies include certain points that can make you change your mind.

Some of the issues that you should take into consideration are:

Grace periods

This means that you will not be able to use certain medical benefits until the term stipulated in the policy has expired.

Generally, grace periods are included in benefits such as pregnancy, childbirth, and postpartum and comprise a period of time between 6 and 12 months.

Pre-existing diseases

Compare prices and decide on the best

You have reached the last stage, where the most important thing will be to compare the different policies that you have selected according to their coverage and the price of each of their premiums.

What are the additional guarantees that Life insurance offers?

The additional guarantees are intended to insure the subscriber's family against all the extra risks that are stipulated in the contract. © Freepik

When you take out a Life policy it is because you want to have the financial security that your family will not miss anything in the event that you suffer an accident or any other type of loss that causes your death or disability.

Today, most types of Life Insurance include a mandatory guarantee, in which the company agrees to pay the agreed capital in the event of the natural death of the insured.

However, there are other cases in which your policy can compensate your loved ones. We talk about the additional guarantees in Life insurance.

Indeed, anyone who contracts a policy of this type can decide the degree of protection they need, as well as the guarantees that their family can benefit from in the event of a claim.

Let’s review in this guide what types of additional guarantees exist and what coverage each one offers.


The additional guarantees are intended to insure the subscriber’s family against all the extra risks that are stipulated in the contract.

Invalidity guarantee

The disability guarantee is a coverage that will protect you and your family in the event of suffering a serious accident and becoming disabled.

The main guarantee of this coverage is to offer you a monthly income for the time stipulated in the contract and in case of labor or professional disability.

This is one of the additional guarantees most requested by Life insurance claimants.

Additional warranty for accident

The mandatory Life insurance guarantee will offer financial peace of mind to your family in the event that your death occurs naturally, however, there is the option that this coverage is also effective if the cause of your death is an accident, regardless of its type.

Within this scenario, there are two additional guarantees by accident that you should know :

Double capital guarantee due to accident: in this case, if your death is caused by an accident, your family or the beneficiaries will receive double the capital stipulated in the main guarantee.

Triple capital guarantee for road or traffic accident: if your death is caused by a traffic accident, the beneficiaries will receive triple the capital insured in the main or mandatory policy.

It is important that you know that some companies include within this type of guarantee coverage that protects children under 18 years of age in the event that both parents die as a result of an accident.

Illness warranty

The sickness guarantee is a very popular option when taking out Life insurance.

This applies in the event that the insured is diagnosed with a serious illness or suffers any other major health problem.

In this case, and depending on the contract that has been previously signed, the company will pay the total or part of the agreed capital.

It is important to remember that some insurers offer different types of guarantees depending on the physical disability that causes the disease.

In this way, in the event that the disability is permanent and absolute, the insurer will advance the payment of the contracted capital.

On the other hand, if the insured suffers a serious illness, the company must assess whether it is within its list of considerations or not.

In general, the diseases you consider serious are:

  • Cancer
  • Cerebrovascular accident
  • Myocardial infarction
  • Diseases that affect the coronary arteries
  • Renal insufficiency
  • Vital organ transplantation

Do not forget that in case your illness is part of the considerations of your insurer, it will proceed to pay the insured capital. However, most companies will only validate this guarantee if you are under 60 years old.

The importance of assessing your needs

Before contracting Life insurance and choosing one or another additional guarantee, it is important that the insured carry out a complete evaluation of the needs of his family and the capital that it may require in the event that he suffers a serious accident or dies.

After performing this step, the person must carefully compare all the premiums proposed by the market, taking into account the additional guarantees that the market wishes to contract.

It is important to remember that for the same policy, companies can offer very different monthly amounts. For this reason, if you want to save on your Life insurance you should compare all the possibilities very well.

5 reasons to buy life insurance

Every day more Americans choose to take out life insurance. © iStock

Have you thought about taking out life insurance? Would you like to ensure the future of your family in case you die? If so, we invite you to learn five reasons why subscribing coverage in the event of death is an excellent decision. Discover this guide.

Although the idea is not to live thinking that tomorrow we are going to die, the question of whether it is convenient or not to have life insurance is your issue that worries many Americans.

Investment or just one more expense? The truth is that although subscribing to a life policy is not mandatory, opting for this alternative could change the lives of your loved ones in moments as painful as death or a serious accident.

In this sense, the question you must ask yourself is only one: if I die, what does this type of coverage offer me?

You need to keep in mind that life insurance acts as a real buffer against an event as unfortunate as your own death or that of a loved one.

A policy of this type will not be able to cover or repair emotional damages, but it will be able to help the family to better cope with everything that will fall on their shoulders at the time of death.

The advantages of having a life policy are the following:

Protect your family financially

Life insurance acts as an economic aid because its purpose is to protect and provide coverage to your family that allows them to support the lack of income due to your death.

The economic impact after the death of an important member of a family group is usually quite large, therefore, these types of policies serve to cushion this burden.

Life insurance is highly indicated for those people on whom your family depends.

The premium that the beneficiaries receive after the death of the insured can help cushion the economic impact generated. Do not forget that you can change the beneficiary of your Life insurance at any time you want.

The birth of a child or your own marriage can be a good time to review your life insurance.

Guarantee the future of your children

One of the biggest concerns for parents of school-age children is what will happen to their studies if I have an accident or die?

Given this, life insurance can offer you the peace of mind you need. Certain types of Life insurance offer the possibility of guaranteeing the continuity of the studies of the insured’s children in the event of their death.

Keeps your home safe

Are you still paying the mortgage on your house? In this case, life insurance can protect your home and family in the event you die.

It is important that you know that coverage of this type can pay the remaining installments of the mortgage in the event that the debtor dies.

Offers coverage against disability

Being healthy and in good health is the wish of all of us. However, many times things do not end as planned and a serious accident can leave us crippled for the rest of our lives.

In this case, our family is unprotected, we are not able to offer the economic stability to which they were accustomed and financial problems arise quickly.

Today, when you take out life insurance, you have the possibility of accessing complementary coverage that will protect you in the event of a disabling accident and that you are unable to continue developing your professional activity.

Helps you with a serious illness

Although health insurance often protects against serious illnesses and covers the associated medical costs, having additional coverage within your life insurance against such a situation is highly advisable.

Although traditional health insurance will reimburse you for medical and hospital expenses associated with your illness, life insurance may cover part or all of the capital stipulated in the premium.

Life insurance: real help

Many Americans believe that taking out life insurance is a waste of money and time. However, in an extreme situation and from which no one is safe, this type of coverage can save the future of your family.

5 things you need to know about life insurance

There are several points that you must take into account when purchasing life insurance. © iStock

Before purchasing life insurance, you need to know certain points that could help you make a better decision. What is the policy of this type? what are their characteristics? What kind of coverage can you get? Find everything you need to know in this complete guide.

More than 80 million Americans have taken out life insurance that protects them against death or disability.

That’s right because of the peace of mind that this type of coverage can give you and your family is very important in the event of a drastic event such as death or a serious accident.

However, before signing policy of this type, it will be necessary for you to fully understand how they work and what their characteristics are.

Let’s review everything you need to know about life insurance below.

What is life insurance?

In case you still do not know, life policies are a type of economic insurance whose purpose is to cover, as agreed in the contract, the needs of the beneficiaries in the event of the death of the insured person or accident with disabling consequences for the same.

What types of insurance are there?

There are several types of Life insurance. They are:

Life Insurance Risk

This type of insurance offers coverage in the event of death. That is, the beneficiary of the policy will receive the capital set in the contract at the time the subscriber dies.

Within Risk Life Insurance, there are two modalities:

  1. Whole Life Insurance: This consists of the payment of the premium being made immediately after the death of the insured.
  2. Term Life Insurance: which consists of covering the risk of death during a specified period of time and previously stipulated in the policy.

Life Insurance Savings

This type of insurance offers life coverage, that is, the insured will be the one who receives the stipulated capital if he lives on the date of fulfillment of the policy.

It could be compared to a long-term deposit since the insured is responsible for paying a monthly or annual premium and then collecting it with a fairly low-risk percentage.

It is important that you know that Savings Life Insurance is used quite a bit to supplement the retirement income.

Mixed Life Insurance

There is also the Mixed Life Insurance, a formula offered by some companies in the country and which offers coverage of the two types of policies mentioned above.

At what age should life insurance be purchased?

Although, as a general rule, the age range to take out life insurance is between 30 and 50 years old, everything will depend on your personal situation.

If you are twenty years old but you are married, you have a child and you also pay a mortgage, the ideal thing is that you think about taking out insurance of this type.

It is important that you know that insurers maintain entry limits from 18 to 65 years. Sooner or later it is very likely that they will reject your request.

In any case, at any time you can review your Life insurance and reevaluate its conditions.

Is there a mandatory amount to insure?

The truth is that there are no impositions of any kind regarding the amount to be insured, as this will depend on each person and the needs they have.

Remember that life insurance is an economic coverage that will allow you or your family to supply the source of income that is altered either by your death or by finding you in a state of disability.

In this sense, the amount to be insured should cover at least the amount of the mortgage and loans that are maintained on the date of subscription of the policy.

Many connoisseurs and the insurance companies themselves advise opting for insurance that covers the five-year salary and future education expenses of the children.

If you want to save on your Life insurance you should compare the market offers and evaluate the conditions of each one.

Who can be the beneficiaries of life insurance?

The beneficiaries of any type of life insurance will be those persons designated by the policyholder at the time of signing the contract.

If you are thinking of subscribing to a policy of this type, you have complete freedom in choosing the person or persons who will benefit from the premium.

Also, don’t forget that you can change the beneficiary of your Health insurance at any time.

5 tips to save on your life insurance

Before deciding on one policy or another, we advise you to review all the points of the contract. © iStock

If you plan to take out life insurance, it is important that you know how to choose the one that best suits your needs and that you compare very well before making your decision. In this guide, you will find everything you need to save money when subscribing a coverage of this type.

If you want to save on your life insurance, the solution is not to opt for the cheapest coverage.

On the contrary, cheap insurance can be considerably more expensive in the long term if you have not paid attention to certain important points at the time of signing the policy.

The first thing to keep in mind is that the coverage you have chosen adapts to what you really need.

Remember that the objective of the insurance is that in the event of a claim you make the least possible outlay of money through an indemnity that covers most of the needs of that moment.

In this sense, there are certain points that you should not forget when hiring your life insurance and thus save as much as possible on the policy. Let’s review some of them:

Choose coverage that suits your needs

If you do not want to end up hiring a cheap policy but that does not offer you the minimum coverage that you and your family need, it is important that you anticipate and know very well what type of life insurance is the best for you.

For this, you must answer the following question: why take out Life insurance?

Look at all the types of policies currently offered by the market, make sure that there is one that meets your requirements, and do not forget to take a look at the complementary coverage.

The most important thing is that you are not guided only by the premium, as there is insurance that is slightly or considerably more expensive but that, in the event of death or accident, can be very convenient.

Avoid falling into current promotions

Insurance companies regularly offer premiums at fairly inexpensive prices that tempt most consumers.

We advise you to be careful and do not rely only on low prices. Generally, this type of insurance is very basic and its coverage is almost nil.

Also, if you go for one of them and then want to add additional coverage, the price will rise dramatically.

Remember also that these types of contracts usually carry many conditions and small print, such as permanence commitments and others.

Analyze all the points of the contract

Before deciding on one policy or another, we advise you to review all the points of the contract.

It is common for a document to include coverage that had not been previously discussed or clauses that take us by surprise.

Given this, do not forget to pay special attention to the following points:

  • Bonuses and discounts
  • Franchises
  • Stays
  • Exclusions
  • Additional guarantees of Life insurance
  • Nominal and effective value in Life insurance

Compare all the offers on the market

Once you know your real needs and that you have analyzed all the points that life insurance contracts include, it is time to compare the different premiums that the market offers you.

Currently, there is a large number of insurers and each of them has an extensive portfolio of products to offer you.

Remember that when comparing, you should not only look at the price but also at a series of points that will make the difference, such as coverage, franchises, conditions, exclusions, discounts, etc.

Request help

If you’ve been trying to find life insurance that won’t overpay you for a while, it may be time to seek out an insurance counselor or mediator.

Insurance mediators are people who do the work for us and seek the best premium according to our requirements, needs, and budget.

In addition, they generally accompany you in the underwriting process and help you in case of any kind of problem with the insurer.

What type of life insurance to purchase

Companies currently offer different types of life insurance. © iStock

Have you made the decision to buy life insurance, but you don’t know what type of policy to choose? Don’t worry, because in this complete guide you will find everything you need to know to subscribe to the coverage that best suits your needs.

To know which is the most appropriate life insurance and what type of coverage you should buy, it is very important to take into account certain criteria such as the number of members of your family group, the age of your children, the needs of the family, possible expenses in education, debts, mortgage payment, etc.

All these factors will determine your needs and your user profile. Therefore, it is necessary that you take the time to analyze them in detail.

So, Risk, Savings, or Mixed Life insurance? Review this guide and find out what type of coverage to choose according to your own needs.

Opt for Risk Life Insurance

Among the three types of life insurance that exist, Risk Life insurance is the most widely contracted in Spain.

This type of policy acts in the event of death by providing the amount set in the contract to the beneficiary or beneficiaries.

When to buy it?

If you identify with any of the following situations, this is most likely the type of insurance you need:

Your family depends on you

If you are the head of the family and most of your household income comes from your work source, this type of coverage is perfect for you.

In this case, the insurance coverage will guarantee the future of your family in the event of death, thus reducing the economic impact that this event may cause to your loved ones.

Do not forget that you can change the beneficiaries of your Life insurance at any time you want.

You are concerned about your children’s education

If you have children, one of your main concerns will be their future and the possibilities that they have to emerge in life.

Giving them a good education and offering them the possibility of continuing a university career is part of your duties and you know that you cannot fail.

But who will take care of these expenses if you are not there?

Risk Life insurance will provide you with the peace of mind you need, as there are numerous policies that guarantee the continuity of your children’s studies after your death.

Your house is mortgaged

Do you have your house mortgaged? Are you afraid to leave the responsibility of the payment to your family in case something happens to you?

One of the most important reasons why we resort to life insurance is to ensure the payment of the mortgage in the event of death. That’s right because if you die, the policy will cover the balance of the mortgage loan.

Choosing Life Insurance Savings

Savings Life Insurance is a type of policy where it is the same policyholder who will benefit from its coverage.

In other words, if you have opted for this type of insurance, upon the expiration date stipulated in the contract, you will be able to receive the fixed capital.

It is important that you know that this type of insurance is aimed at those who want to obtain a return on their savings and enjoy them in life.

For this reason, if you feel identified with any of the following situations, this type of insurance is for you.

You want to make your savings profitable

Although the profitability that you will obtain from insurance like this is not the best, subscribing to a policy of this type will allow you to save without tax obligations until the stipulated time to collect the money.

You want to supplement your retirement

Currently, insurers propose to their clients who wish to complement their retirement in the future, various forms of policies specially designed for this purpose.

Among these options, you can resort to an Insured Pension Plan or an Individual Systematic Savings Plan.

Whatever your decision, it is important that you know that this type of coverage is designed so that once you retire, your income will be higher.

Choosing a Mixed Life Insurance

Finally, if you feel identified with more than one of these situations, it is because perhaps you need a Mixed Life Insurance.

Coverage in case of death and an economic supplement in life can be the real solution to your needs.

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