{"id":1966,"date":"2025-06-24T14:48:18","date_gmt":"2025-06-24T14:48:18","guid":{"rendered":"https:\/\/lawebdeseguros.com\/?page_id=1966"},"modified":"2025-10-17T12:46:36","modified_gmt":"2025-10-17T10:46:36","slug":"seguros-de-vida","status":"publish","type":"page","link":"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/seguros-de-vida\/","title":{"rendered":"Life Insurance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Contents\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #0a225d;color:#0a225d\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #0a225d;color:#0a225d\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/seguros-de-vida\/#%C2%BFComo_contratar_un_Seguro_de_Vida_sin_complicaciones\" >How to take out a Life Insurance policy without complications?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/seguros-de-vida\/#%C2%BFQue_es_un_Seguro_de_Vida\" >What is Life Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/seguros-de-vida\/#%C2%BFPara_que_sirve_un_Seguro_de_Vida\" >What is Life Insurance for?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/seguros-de-vida\/#Modalidades_de_Seguros_de_Vida_de_Riesgo\" >Types of Risk Life Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/seguros-de-vida\/#Factores_que_influyen_en_el_precio_del_Seguro_de_Vida\" >Factors influencing the price of Life Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/seguros-de-vida\/#%C2%BFQue_cubre_un_seguro_de_vida_y_que_no\" >What does life insurance cover and what doesn't?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/seguros-de-vida\/#%C2%BFEn_que_se_diferencia_un_Seguro_de_Vida_Riesgo_y_uno_de_Ahorro\" >What is the difference between Risk Life Insurance and Savings Life Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/seguros-de-vida\/#%C2%BFCuanto_cuesta_un_Seguro_de_Vida_para_una_hipoteca\" >How much does Life Insurance for a mortgage cost?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFComo_contratar_un_Seguro_de_Vida_sin_complicaciones\"><\/span>How to take out a Life Insurance policy without complications?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Living with peace of mind is possible when you have the right support. Having a <strong>life insurance<\/strong> is one of the most effective ways to protect your loved ones against any serious unforeseen event. Although nobody wants to think about it, foreseeing certain situations can make the difference between uncertainty and financial security.<\/p>\n<p>Today, insurers offer a wide variety of products designed to ensure peace of mind. However, making the right choice requires understanding the differences between them and knowing which is best suited to your situation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_es_un_Seguro_de_Vida\"><\/span>What is Life Insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The <strong>LIFE INSURANCE<\/strong> can be divided into three broad types:<\/p>\n<ul>\n<li>Savings or investment insurance.<\/li>\n<li>Risk insurance.<\/li>\n<li>Mixed insurance (a combination of the above).<\/li>\n<\/ul>\n<p>Each insurer may offer multiple variants, with different coverage. Therefore, it is common for there to be dozens of options, even within the same company.<\/p>\n<p>In this article we will focus on the <strong>pure risk life insurance<\/strong>designed to cover a capital sum in the event of the insured's death, and may include additional guarantees such as disability or incapacity. They do not have a savings component, so their function is strictly protective.<\/p>\n<section class=\"vc_cta3-container animacion-vc ai-play-skip\">\n    <div class=\"ai-play-skip cta_general vc_general vc_do_cta3 vc_cta3 CAT-VC vc_cta3-style-classic vc_cta3-shape-rounded vc_cta3-align-left vc_cta3-color-white vc_cta3-icon-size-xl vc_cta3-icons-left vc_cta3-actions-right wpb_animate_when_almost_visible wpb_fadeInDown fadeInDown vc_custom_canallas wpb_start_animation animated\">\n        <div class=\"vc_cta3-icons\">\n            <div class=\"vc_icon_element vc_icon_element-outer vc_do_icon vc_icon_element-align-left\">\n                <div class=\"vc_icon_element-inner vc_icon_element-color-white vc_icon_element-size-xl vc_icon_element-style- vc_icon_element-background-color-grey\" style=\"margin-right:10px;\">\n                    <!-- span class=\"fas fa-shield-alt icono-seguro\"><\/span -->\n                    <img decoding=\"async\" src=\"http:\/\/lawebdeseguros.com\/img\/logo_solo.svg\" alt=\"Logo\" style=\"width: 70px;\">\n                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"vc_cta3_content-container\">\n            <div class=\"vc_cta3-content\">\n                <header class=\"vc_cta3-content-header\">\n                    <p class=\"cta-heading h2\">Protect those you love most, today and always.<\/p>\n                <\/header>\n                <p class=\"cta_general cta-heading h3\">Take out your life insurance and guarantee your family's financial security in the event of any unforeseen event.<\/p>\n            <\/div>\n            <div class=\"vc_cta3-actions\">\n                <div class=\"vc_btn3-container vc_btn3-inline\">\n                    <a class=\"cta_general vc_general vc_btn3 vc_btn3-size-md vc_btn3-shape-rounded vc_btn3-style-flat vc_btn3-color-green\" href=\"https:\/\/api.whatsapp.com\/send?phone=34659929495&#038;text=Protege+a+los+que+m%C3%A1s+quieres%2C+hoy+y+siempre\" target=\"_blank\" id=\"ga_whatsapp\" rel=\"noopener\">\n                        <i class=\"fab fa-whatsapp\"><\/i> Request for information                    <\/a>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFPara_que_sirve_un_Seguro_de_Vida\"><\/span>What is Life Insurance for?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This type of insurance is usually taken out in two common contexts:<\/p>\n<ol>\n<li><strong>To protect beneficiaries<\/strong> (family, children, partner...), offering them financial stability if you are absent.<\/li>\n<li><strong>To cover mortgage or personal loans<\/strong>ensuring that this debt does not fall on your loved ones.<\/li>\n<\/ol>\n<p>Although they are not mandatory, many financial institutions require them as a condition for granting certain loans. Beyond this, having a <strong>life insurance<\/strong> is a personal and responsible decision, which offers peace of mind from day one.<\/p>\n<p>From <a href=\"https:\/\/lawebdeseguros.com\/en\/\"><span data-no-translation=\"\">La Web de Seguros<\/span><\/a> In this section, we help you understand the aspects that influence the cost of insurance and the most common types of insurance.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Modalidades_de_Seguros_de_Vida_de_Riesgo\"><\/span>Types of Risk Life Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3>Temporary Renewable<\/h3>\n<p>This type of insurance keeps the sum insured constant throughout the life of the contract. However, as the age of the insured person increases each year, so does the premium. Some insurers allow the capital to be revalued annually, so it can also grow over time.<\/p>\n<h3>Temporary Declining (or loan amortisation)<\/h3>\n<p>In this modality, the insured capital decreases over the years. It is ideal for those who want to link their life insurance to a personal or mortgage loan, as the capital is adjusted to the outstanding debt. In these cases, the premium can remain constant or decrease, and the duration of the contract can be differentiated according to the total number of payments.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Factores_que_influyen_en_el_precio_del_Seguro_de_Vida\"><\/span>Factors influencing the price of Life Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The calculation of the premium depends on several factors, among them:<\/p>\n<ul>\n<li>The sum insured.<\/li>\n<li>The age and sex of the insured.<\/li>\n<li>The profession.<\/li>\n<li>Health status.<\/li>\n<\/ul>\n<p>In addition, they can be applied <strong>cost overruns<\/strong> in situations such as overweight, risky sports or certain medical conditions. Depending on the profile, a simple health questionnaire or more comprehensive medical tests may be requested.<\/p>\n<p>Each case is unique. For this reason, we always recommend contacting a specialised advisor who can guide you according to your needs. At <a href=\"https:\/\/lawebdeseguros.com\/en\/\">The Insurance Web<\/a> we can help you assess which insurance is best suited to you.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_cubre_un_seguro_de_vida_y_que_no\"><\/span>What does life insurance cover and what doesn't?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Generally speaking, a <strong>life insurance<\/strong> covers death from any cause, whether natural or accidental. However, each policy may have specific exclusions, such as:<\/p>\n<ul>\n<li>Participation in illegal activities.<\/li>\n<li>Suicide in the first years of the contract.<\/li>\n<li>Undeclared pre-existing conditions.<\/li>\n<\/ul>\n<p>It is also important to pay attention to additional guarantees such as absolute permanent disability, professional incapacity or serious illnesses, which may be included or optionally added. You can find more information in the <a href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/life-insurance-guarantees\/\">life insurance guarantees<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFEn_que_se_diferencia_un_Seguro_de_Vida_Riesgo_y_uno_de_Ahorro\"><\/span>What is the difference between Risk Life Insurance and Savings Life Insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The main difference is their purpose:<\/p>\n<ul>\n<li>The <strong>risk life insurance<\/strong> provides coverage in the event of death, and does not generate savings.<\/li>\n<li>The <strong>savings life insurance<\/strong> is designed to accumulate capital over time, for purposes such as retirement.<\/li>\n<\/ul>\n<p>There are also mixed insurances, which combine both functions, but their operation is more complex and often requires personalised advice.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFCuanto_cuesta_un_Seguro_de_Vida_para_una_hipoteca\"><\/span>How much does Life Insurance for a mortgage cost?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The price will depend on many factors: capital, age, health, duration of the loan, etc. That is why, <strong>no general tariffs can be offered<\/strong>. The best option is to request a personalised study and be guided by a specialist who will take into account all the details of your case.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"vc_message_box vc_message_box-standard vc_message_box-rounded vc_color-info\" ><div class=\"vc_message_box-icon\"><i class=\"fa fa-solid fa-circle-info\"><\/i><\/div><p>If you would like to know more about coverage and conditions, you can consult our <a href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/life-insurance-guarantees\/\">life insurance guarantees<\/a>. We will be happy to help you find the right option for you and your family.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Guarantees your family's financial future in the event of death. Financial support for mortgages, studies or other commitments, with tailor-made cover.<\/p>","protected":false},"author":2,"featured_media":2544,"parent":1897,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[23],"class_list":["post-1966","page","type-page","status-publish","has-post-thumbnail","hentry","category-seguros-personales","description-off"],"_links":{"self":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1966","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/comments?post=1966"}],"version-history":[{"count":0,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1966\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1897"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media\/2544"}],"wp:attachment":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media?parent=1966"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/categories?post=1966"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}