The information contained in this website is merely indicative. The rights and obligations of the parties are defined in the Proposals, Conditions Special and General applicable terms of the respective insurance policies contracted.
Life insurance
Life insurance policies guarantee capital in the event of death or disability of the Insured Person, as a result of illness or accident, for one or two persons.
The annual renewable temporary insurance may be taken out on an individual or "one head" basis, guaranteeing a payment of a capital sum to the Beneficiary in the event of the death of the Insured Person, verified during the term of the contract, as a rule, at most until the Insured Person reaches the age of 75.
Or, you may choose the "2 heads" modality, in which the Insurance Company will pay a capital to the Beneficiary after the first death of one of the Insured Persons, occurred during the validity period of the contract, generally, at the maximum until the 75 years of age of the oldest Insured Person.
In the event of the death of both Insured Persons at the same time, only one Insurance Amount will be paid.
Advantages
The most effective way to avoid worry and ensure a more peaceful future for you and your family is to take out a life insurance policy that provides comprehensive protection against unforeseen situations that may compromise your financial and family security and stability.
Financial commitments are also a strong reason to take out life insurance. It is a requirement of the banks as a credit guarantee. The case of home loans is an example, where banks require a temporary life insurance policy, renewable annually until the end of the loan.
Coverage
Base Coverage
- Death (by illness or accident)
Optional Covers
- Total and Permanent Disability
- Absolute and Permanent Disability
- Serious Illnesses
As a rule, in life insurance it is possible to double or triple the capital insured under the basic cover, by taking out cover for death by accident and death caused by traffic accident. Death by Road Traffic Accident, as a rule, results from an event due to a sudden, external cause beyond the control of the insured person, which produces medically and objectively proven bodily injury and which occurs under one of the following conditions:
a) As a pedestrian, when the injuries are caused by an animal or any moving land vehicle;
b) As a driver or passenger of a land vehicle;
c) As a passenger in public transport by air, sea, river or rail, legally authorized for that type of transport.
Care to be taken
When taking out life insurance, you should pay special attention to the definitions of the types of disability, which can vary significantly from one insurer to another, as well as the exclusions from the covers. These points can make all the difference in relation to the expectations you have when taking out a life insurance policy. This is a fundamental reason for choosing a specialist (Amplitude) in the process of choosing and selecting a life insurance policy.
We would like to draw your attention to some exclusions in the clauses of some Insurers that may not meet the expectations of a life insurance policy:
- Sports practice at a professional level or integrated in official championships and respective training;
- Acts of terrorism and kidnapping.
- Practice notoriously dangerous sports;
- Cataclysms of nature.
Situations that result:
- Directly or Indirectly from surgical intervention, as long as this is not imposed as a consequence of an accident;
- Directly or indirectly, of the state of alcoholism;
- From an accident in which the Insured is in a state of alcoholism or has taken drugs that are not medically recommended;
- Consequence of psychic disturbances;
- Of accidents with motor vehicles with less than four wheels and quad bikes;