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We have designed various types of life insurance for groups, designed to ensure the well-being of their members, as well as that of their relatives in the event of death or disability. These policies also offer tax benefits and other advantages.
Some of our life insurance policies for groups qualify for tax benefits provided that the premiums are declared for tax purposes.
The different life insurance policies for groups we offer at Occident allow you to find solutions that are right for the needs of your group or company.
The average collective life rate and collective bargaining agreement life policies apply a single rate for all employees, without taking their gender or age into account.
It provides the correct coverage for the risks assumed in relation to death and permanent disability, resolving the obligation acquired through a collective bargaining agreement or voluntary social improvement.
In the event of the death or disability of the worker, this policy will cover the company's pension commitments.
The best way for your company to cope with the death or disability of employees, always respecting the collective bargaining agreement.
This insurance will cover the cost of children's education if their parent or guardian dies.
This coverage guarantees payment of the total capital contracted in the event of death from any cause.
Coverage that can be taken out additionally. This coverage guarantees that the beneficiary will receive the capital contracted if the insured person dies due to an accident.
Additional coverage that can be taken out if you have the Death due to accident guarantee: the beneficiary will receive the capital contracted if the insured person dies due to a traffic accident.
Optional additional coverage: guarantees payment of the capital contracted in the event of absolute permanent disability.
Additional coverage: guarantees the payment of the capital contracted in the event of absolute permanent disability resulting from an accident.
This coverage can be taken out if the Absolute Permanent Disability due to Accident cover is taken out: guarantees the payment of the capital contracted in the event of absolute permanent disability resulting from a traffic accident.
Optional additional coverage: it guarantees that you will receive the capital contracted in the event of disability that prevents you carrying out your professional activity.
This additional coverage guarantees that you will receive the capital contracted in the event of disability caused by an accident that prevents you carrying out your professional activity.
It can be taken out additionally and guarantees that you will receive the capital contracted in the event of disability caused by a traffic accident that prevents you carrying out your professional activity.
Coverage that can be taken out additionally: guarantees the advance payment of 50% of the capital insured in the event of death from any cause in the event of suffering a serious illness: cancer, heart attack, transplants, etc.
In general terms, a collective life insurance has a twofold purpose. Firstly, to protect the well-being of its members —employees in the case of a company— and secondly, to build loyalty. Furthermore, certain tax benefits are also available.
The main advantage is that the premium —the price you pay for the insurance— is generally proportionally cheaper than that of a life insurance policy taken out on an individual basis. In some cases, such as in our average collective life rate insurance, a single premium is available, regardless of the age of the insured party.
Companies of any size —even single-employee companies— and virtually any group: associations, sports clubs or professional associations (lawyers, architects, etc.) are some of the organisations that rely on this type of insurance.
Capital contracted
The higher the capital contracted (the amount that the beneficiaries will receive after the insured person's death) the greater the premium to be paid for the insurance.
Age of the insured person
The age of the insured person is another factor influencing the premium. However, in some collective life insurance policies, such as Average Collective Life Rate insurance and Collective Bargaining Agreement Life insurance, age is not taken into account when calculating the premium.
Health status
The insured person's health status and the presence of certain conditions (high blood pressure, excess weight, etc.) also influence the insurance premium.
Cover the medical needs of your employees.
The obligations of your labour agreement are fulfilled with guarantees.
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