Life

Temporary life insurance for the self-employed

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What makes our life insurance for the self-employed different

Our life insurance for the self-employed provides you with the financial backing you need to cover your expenses in the case of an unforeseen event in your private or professional activity that prevents you from continuing to run your business. You will have supplementary services and coverage tailored to your type of activity.

Flexibility

Because each person and each business has their own unique circumstances, our life insurance for the self-employed adapts to suit this, making it possible for you to have the guarantees that are of interest to you.

Extensive cover

Foresee all unforeseen events and ensure the future of those closest to you, with the most comprehensive protection. You will have, among others, cover in the event of death, disability and serious illness.

Tax relief

Compensation in the event of death may involve tax benefits for the beneficiaries, depending on the autonomous community. Enjoy the here and now and guarantee the financial well-being of your loved ones.

Categories of life insurance for the self-employed

With Temporary Life, you take out your insurance for an initial term of one year, and then you decide, based on your interests, whether to renew it annually.

This product allows you to choose how you want your life insurance to be.

Constant capital throughout the life of the policy.
A growing capital that can be revalued with each renewal, according to the CPI or according to a fixed percentage between 1% and 10%.

In this type of policy, you decide the duration of your insurance when you take it out, from 5 to 25 years. With Term Life, you will keep both the insured capital and the premiums constant throughout the life of the policy.

What our life insurance for the self-employed covers

The beneficiaries will receive an indemnity in the event of the insured party's death.

Depending on your needs and the circumstances of your business, you can strengthen your insurance by expanding your coverage, including:

Death by accident: the beneficiaries will receive double the insured capital if death is due to an accidental cause.
Death caused by traffic accident: the beneficiaries will receive three times the insured capital if death is the result of a traffic accident. It also has an additional capital for the insured person's children if both parents pass away in the accident.

This coverage adds —to the death coverage— the compensation in the event of permanent and absolute disability of the insured party. The coverage can also be extended in the following cases:

Total permanent disability through accident: The capital received will be double the amount taken out if the disability is the result of an accident.
Total permanent disability through road accident: The capital will be tripled if the accident causing the disability is a traffic accident.

If you need it as a result of a serious illness (cancer, myocardial infarction, stroke, multiple sclerosis and amyotrophic lateral sclerosis, kidney failure or paralysis) or because you have to undergo surgery for coronary artery disease and transplant of a vital organ, by taking out this coverage you can have an advance of the insured capital.

The advance can be 25%, 50% or 75% of the insured capital —to be selected at the moment of taking out the policy— with a maximum limit of 150.000 euros.

Services included in our life insurance for the self-employed

Courtesy service

A doctor at your disposal 24 hours a day

We put you in contact with a professional by telephone or video call to answer any health-related query you may have.

At any time of the day, wherever you are.
Immediate attention, with no waiting lists.

Go to Telephone medical advice

Courtesy service

A lawyer when you need one most

Resolve any legal matter that may arise in your private or family life.

24 hours a day, 365 days a year.
No limit on consultations.
Social Security administration procedures and claims for Social Security benefits.

Go to Legal advice helpline

Courtesy service

Get a second diagnosis for greater peace of mind

A team of professionals will analyse your case, issue a second medical opinion, and advise you on the most appropriate treatment.

Without leaving home.
For serious illnesses.
Also in the event of surgical procedures.

Go to second medical opinion

Courtesy service

Treatment and rehabilitation for your heart

If you have had heart disease, we can help you with the physical and psychological cardiac rehabilitation process.

Physical training.
Psychological rehabilitation.
Rehabilitation programmes from 4 to 12 months.

Go to Cardiac rehabilitation

Courtesy service

We help you to manage your last wishes

Leave everything planned, easily and comfortably.

3 procedures in 1.
Without leaving the house.
With the advice of an expert.

My will + Digital erasure

Access our health and well-being pool

Feel good inside and out thanks to our 19,000 professionals and medical centres at a special rate.

Go to health and well-being

Choose your dental clinic

Over 3,500 clinics and dentists serving every province in the country.

Go to dental pool

FAQs

It is designed for anyone who wishes to guarantee the financial protection of the people around them, particularly self-employed professionals with possible financial burdens derived from their activity. The goal is to be able to alleviate unfavourable situations arising from the death or incapacity of the insured person. It is, in short, an insurance policy for all

those people who want to have financial support in the event of any contingency that prevents them from undertaking their professional activity.

To calculate the capital to be covered, it is important that you take into account three factors:

Monthly income you need to guarantee the financial support of the people or activities you want to safeguard.
How long you estimate that you may need to have this financial support.
And your current financial situation, both your business and domestic.

Your insurance broker will conduct a personalised study to find out in depth what capital you need in the event that you are unable to continue your profession and your usual income is reduced.

Our wealth can cover our current needs, but it should also offset the difference between the coverage provided by social security and our standard of living.

For instance, in the event of disability, you will probably incur considerable expenses —medical, assistance, rehabilitation, household and vehicle adaptations, etc.— which, together with the reduction in your income, can substantially reduce your assets.

From the moment you take out this insurance policy, you will be able to forecast how your insured capital will progress, so that you will always be properly covered.

And throughout the life of the policy you will be free to make any modifications you need to make.

FAQs

Temporary life insurance for the self-employed

What makes our life insurance for the self-employed different

Flexibility

Extensive cover

Tax relief

Categories of life insurance for the self-employed

Temporary Life

Term Life

What our life insurance for the self-employed covers

Death

Total and permanent disability

Capital advance in the event of severe illnesses

Services included in our life insurance for the self-employed

Telephone medical advice

Legal advice helpline

Second medical opinion

Cardiac rehabilitation

My will + Digital erasure

A doctor at your disposal 24 hours a day

A lawyer when you need one most

Get a second diagnosis for greater peace of mind

Treatment and rehabilitation for your heart

We help you to manage your last wishes

Access our health and well-being pool

Choose your dental clinic

FAQs

Who is this risk life insurance intended for?

What capital do I need to have insured?

Why do I need life insurance if I currently have sufficient assets to support my family and my professional activity?

How can I keep the capital insured updated?

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