{"id":2824,"date":"2025-07-07T15:55:56","date_gmt":"2025-07-07T15:55:56","guid":{"rendered":"https:\/\/lawebdeseguros.com\/?page_id=2824"},"modified":"2025-07-14T14:35:42","modified_gmt":"2025-07-14T12:35:42","slug":"life-insurance-guarantees","status":"publish","type":"page","link":"https:\/\/lawebdeseguros.com\/en\/warranties\/life-insurance-guarantees\/","title":{"rendered":"Life insurance guarantees"},"content":{"rendered":"
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Life Insurance<\/h2>\n

In this section, we discuss some of the main guarantees that can be taken out in life insurance policies.<\/p>\n

Not all insurers offer the same coverage, and there are various types of policies. We recommend that you visit our page on life insurance products to find out about these differences, and above all, to seek advice from qualified professionals.<\/p>\n

Important:<\/strong> Pay special attention to the difference between Total Disability and Permanent Disability, as they directly influence your insurance premium.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div>

Death<\/span><\/i><\/a><\/h4><\/div>
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This is the main guarantee of a life insurance policy. The insurer will pay the capital agreed in the event of the death of the insured, whether due to illness or accident, to the beneficiary designated in the policy.<\/p>\n

The beneficiary can be changed freely during the period of cover.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>

Invalidity (Absolute Permanent Disability)<\/span><\/i><\/a><\/h4><\/div>
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Covers the payment of the capital if the insured becomes irreversibly incapacitated for any type of work or professional activity, due to illness or accident.<\/p>\n

Note: if the person is unable to work in his or her current job, but is able to take up another activity, this guarantee does not apply. In such cases, the following applies.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>

Invalidity (Total Occupational Disability)<\/span><\/i><\/a><\/h4><\/div>
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It guarantees the payment of the capital if the insured person can no longer carry out his usual profession due to an irreversible physical condition, for whatever reason.<\/p>\n

It is essential to declare your profession correctly in the policy and to notify any changes.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>

Serious Illnesses<\/span><\/i><\/a><\/h4><\/div>
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When taking out this complementary guarantee, the insured capital is paid if the insured person is diagnosed with a serious illness included in the policy, such as cancer, leukaemia, heart attack, Alzheimer's, Parkinson's, among others.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>

Death by Accident<\/span><\/i><\/a><\/h4><\/div>
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Known as \"double capital\". If death occurs as a result of an accident, an additional capital sum equal to the agreed amount is paid.<\/p>\n

Example: with a capital of \u20ac50,000, beneficiaries would receive \u20ac100,000 (\u20ac50,000 + additional \u20ac50,000).<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>

Death by Road Traffic Accident<\/span><\/i><\/a><\/h4><\/div>
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Known as \"triple capital\". If the death is due to a traffic accident, an additional capital sum equal to the contracted sum plus the extra capital sum for death due to an accident is paid.<\/p>\n

Example: contracted capital \u20ac50,000. Total received: \u20ac150,000 (\u20ac50,000 principal + \u20ac50,000 for accident + \u20ac50,000 for traffic accident).<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>

Accident Disability<\/span><\/i><\/a><\/h4><\/div>
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Also \"double capital\". If the disability occurs due to an accident, an additional capital sum equal to the contracted amount is paid.<\/p>\n

Example: with a capital of \u20ac50,000, the compensation will be \u20ac100,000 (\u20ac50,000 + additional \u20ac50,000).<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>

Invalidity due to a traffic accident<\/span><\/i><\/a><\/h4><\/div>
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Also \"triple capital\". If the disability is caused by a traffic accident, the three capital sums are added together: basic, accident and even traffic accident.<\/p>\n

Example: capital contracted \u20ac50,000. Total received: \u20ac150,000 (\u20ac50,000 base + \u20ac50,000 accident + \u20ac50,000 circulation).<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>

Other Supplementary Guarantees<\/span><\/i><\/a><\/h4><\/div>
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There are multiple additional guarantees. A common one is the Double Effect<\/strong>The insurer pays another capital sum equal to the principal sum if the insured person and spouse die in the same annuity.<\/p>\n

Always check the general conditions<\/a> of the policy to know the details of each coverage.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"

Life insurance offers financial protection in situations such as death, disability or serious illness. There are different complementary guarantees that can be adapted to your needs. It is essential to check the general conditions and get professional advice before taking out the policy.<\/p>","protected":false},"author":2,"featured_media":0,"parent":2472,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[27],"class_list":["post-2824","page","type-page","status-publish","hentry","category-garantias","description-off"],"_links":{"self":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/2824","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=2824"}],"version-history":[{"count":0,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/2824\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/2472"}],"wp:attachment":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media?parent=2824"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/categories?post=2824"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}