Life insurance is a contract you make with an insurance company to ensure financial protection for their families and / or people who depend on you, in case your fault. It is an insurance that may also benefit you directly, in the case of permanent disability or serious illness, for example. The contract of this type of insurance must have coverage for the risk of death, which occurred due to natural or accidental cause, or when dealing with survival coverage, pension plans found in nature (compensation paid at once or in the form of income if the insured survives the stated period in the life insurance policy). The principal and mandatory coverage of life insurance (against the risk of death) may have additional guarantees provided for in personal insurance. This is possible because life insurance is part of the personal insurance. This has several toppings: death, disability, accident, permanent functional disability by disease, permanent disability laborativa by disease, severe, daily hospitalization diseases, daily temporary disability, unemployment and loss of income, among others. All these covers can also be combined in such a way that will result in specific products, such as travel insurance, lender and educational.
What benefits life insurance provides?
When there is a lack of the person who was the provider of the family income, generally the standard of living for its dependent tends to fall. Financial difficulties also occur if the provider becomes an invalid person or seriously ill or prevented from exercising his professional activity etc.. Ensure personal protection, providing financial protection in the event of one of these fatalities occur is the main goal of personal insurance, including life insurance. Therefore, life insurance is an instrument of social protection, since it contributes to mitigate the adverse financial conditions that the insured or his (s) recipient (s) could face, if any of the risks covered materialize. When purchasing a life insurance policy, you choose the (s) recipient (s) and set the value of the insured amount, which is the maximum amount payable by the insurer if a claim provided for in the contract occurs. Life insurance provides protection to families from different social strata, especially those who have little or no equity or financial reserve. For these, in particular, the lack of permanent disability or your provider committed wholly or significantly and immediately, the income and livelihood of dependents. This type of insurance helps maintain the standard of living of the family, from the study of children, keep the house and ensures the discharge of home financing, among other expenses, until the financial capacity is recovered. Another benefit of life insurance is that the amount paid by the insurer (s) recipient (s), in case of death of the insured, does not enter the inventory, or can be released quickly and without taxation Tax on Transmission Causa Mortis.
What is the difference between people and life insurance?the insurance people gathers various toppings, which can be hired together or separately, such as: natural death, accidental death, permanent disability by accident, permanent functional disability by disease, severe, daily illnesses temporary disability, medical expenses, hospital and dental, daily for hospitalization, etc.. Among the set of the personal insurance coverages, stands out intended for the risk of death. In this case, it is the conditioning of life insurance to cover necessarily killing by natural or accidental causes.
What is the difference between covering death and covering accidental death?
It is very common question as to life insurance or personal accident insurance, mainly because the latter is cheaper. Although the coverage of accidental death can be hired separately or as a complement to the coverage of death from any cause, it is important to know what distinguishes one from the other. The basic difference between these two covers is that the first (death) provides coverage in case of death either occurred by natural or accidental cause, while the coverage of death by accident, as the name says, is valid only for the case of death caused by an accident covered by the plan. This makes both also have different prices. As the death coverage is wider the greater the risk to the insurer. Thus, the cost tends to be higher than the coverage of accidental death. Life insurance and personal accident may also differ with respect to the calculation of the premium (price). Generally, life insurance is calculated according to the age of the insured while the personal accident insurance does not distinguish between young and old, ie, the premium is unchanged by increasing age of the insured. So, in life insurance, the cost increase is progressive with increasing age of the insured, because it also increases the probability of achieving the risks covered (death, disability).
What benefits life insurance provides?
When there is a lack of the person who was the provider of the family income, generally the standard of living for its dependent tends to fall. Financial difficulties also occur if the provider becomes an invalid person or seriously ill or prevented from exercising his professional activity etc.. Ensure personal protection, providing financial protection in the event of one of these fatalities occur is the main goal of personal insurance, including life insurance. Therefore, life insurance is an instrument of social protection, since it contributes to mitigate the adverse financial conditions that the insured or his (s) recipient (s) could face, if any of the risks covered materialize. When purchasing a life insurance policy, you choose the (s) recipient (s) and set the value of the insured amount, which is the maximum amount payable by the insurer if a claim provided for in the contract occurs. Life insurance provides protection to families from different social strata, especially those who have little or no equity or financial reserve. For these, in particular, the lack of permanent disability or your provider committed wholly or significantly and immediately, the income and livelihood of dependents. This type of insurance helps maintain the standard of living of the family, from the study of children, keep the house and ensures the discharge of home financing, among other expenses, until the financial capacity is recovered. Another benefit of life insurance is that the amount paid by the insurer (s) recipient (s), in case of death of the insured, does not enter the inventory, or can be released quickly and without taxation Tax on Transmission Causa Mortis. What is the difference between people and life insurance?the insurance people gathers various toppings, which can be hired together or separately, such as: natural death, accidental death, permanent disability by accident, permanent functional disability by disease, severe, daily illnesses temporary disability, medical expenses, hospital and dental, daily for hospitalization, etc.. Among the set of the personal insurance coverages, stands out intended for the risk of death. In this case, it is the conditioning of life insurance to cover necessarily killing by natural or accidental causes.
What is the difference between covering death and covering accidental death?
It is very common question as to life insurance or personal accident insurance, mainly because the latter is cheaper. Although the coverage of accidental death can be hired separately or as a complement to the coverage of death from any cause, it is important to know what distinguishes one from the other. The basic difference between these two covers is that the first (death) provides coverage in case of death either occurred by natural or accidental cause, while the coverage of death by accident, as the name says, is valid only for the case of death caused by an accident covered by the plan. This makes both also have different prices. As the death coverage is wider the greater the risk to the insurer. Thus, the cost tends to be higher than the coverage of accidental death. Life insurance and personal accident may also differ with respect to the calculation of the premium (price). Generally, life insurance is calculated according to the age of the insured while the personal accident insurance does not distinguish between young and old, ie, the premium is unchanged by increasing age of the insured. So, in life insurance, the cost increase is progressive with increasing age of the insured, because it also increases the probability of achieving the risks covered (death, disability).
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