Life Insurance and Investment

Life Insurance is usually a protection for the family of the Policy holder .

The insurance company is committed to pay an indemnification upon the death of an insured person . This commitment comes from the life insurance policy, a contract between the Insurer and the insured .

In some cases, the Insured events are not only death but the life insurance policies can also cover disabilities , personal accident or in case of a critical illness . Some other expenses ( legal advice or funeral ) according to the insurance policy, can be included in the cover. The insurance policy can also anticipate the expenses in case of a critical illness or similar ).

Not all cases of death are insured. There are some typical exclusions such as fraud, riot, war, suicide . There are two kind of life insurance policies:

– Term life insurance policies. Their main objective is protection, they will pay indemnification, usually as a lump sum in case of the insured event, usually death of the insured .

– Investment combined or not with life insurance so the capital can grow offering protection . The return on investment may be guaranteed according to the investment product of choice . This is not a liquid investment, since these products usually accumulate interest until the end of term  ( a classical example may be the college or university studies ) or the insured event .

As an International Insurance Broker, we have a specialized Department in Expats Insurance , to cover their needs , in Spain and worldwide .

Working with major Corporations as Insured, we can also cover Group Life Insurance, please see