You know that feeling when something happens and you immediately think of all the things you could have done to avoid it and, for some reason, didn’t? How many people go through this kind of situation each day, don’t they?
It is not easy to prepare for all of life’s unforeseen events, but for some of these unforeseen events we can protect ourselves by taking out life insurance . And how do you know which life insurance is best for you? Follow the article and find out!
How does life insurance work?
You certainly already know why you need a life insurance , however, it is normal to still have some doubts, such as: how a life insurance works. So, let’s explain everything to you , follow!
Choose insurance that meets your needs, that is tailored for you. At Icatu, you can choose the assistance and coverage most related to your profile . In addition, the contractor p ode indicate their beneficiaries, ie who will be indemnified in case something happens to him.
The cost of life insurance varies according to a number of factors : amount of coverage selected, occupation, monthly income, age and habits of the contractor. Want to know how much YOUR insurance costs ? Talk to one of our experts !
In order to file the indemnity in case of any claim, it is necessary to contact the insurer and send the documents that will be requested. Once this is done, these documents will be analyzed by the insurer and once approved, the amount established in the policy is released.
Now that you know how life insurance works, follow the article and see how to find out which life insurance is best for you!
The importance of taking out life insurance
Before seeing the steps to find the best life insurance , let’s talk about the importance of taking out insurance to keep you and your family well supported.
The best known coverage, without a doubt, is that of death. In addition to this one, which guarantees the insured’s peace of mind, since, if something happens to him, his beneficiaries would remain financially secure, there are other coverages, such as:
- Daily for temporary incapacity;
- Partial disability due to accident;
- Invalid ez remain n ent e ;
- Funeral assistance;
- Serious illnesses ;
- Among others;
Even in death coverage, there are some distinctions, such as natural death or accidental death coverage.
Now, follow the 5 steps to find the best life insurance to keep you and your family safe!
5 steps to find out which life insurance is best for you
Follow these steps and find the best life insurance to meet your needs!
For this reason, we decided to show you 5 steps for you to find the best life insurance for your needs.
Leave the uncertainties aside, realize the things that are essential for your safety and get ready to learn about different ways to ensure more peace of mind for your future and your family!
1. Which Type of Insurance to Choose?
Life insurance is the best way to protect every stage of your life. Therefore , it is important to be aware of the main coverage when taking out your insurance. The main coverages are:
Your beneficiaries will receive the full amount of compensation in the event of your natural or accidental death ; .
Permanent Total or Partial Disability due to Accident
You will receive full compensation or a percentage of the amount, depending on the degree of disability.
Total Permanent Functional Disability due to Disease
In case of disability due to illness, which causes the loss of your autonomy to perform basic activities, you will receive in advance the death compensation.
Definitive Diagnosis of Serious Diseases
If you are diagnosed with a serious illness (cancer, acute myocardial infarction, stroke, end-stage renal failure or organ transplant), you will receive full compensation up to the contracted amount.
Daily for Temporary Disability
With this coverage, you receive a monthly income of up to R$15,000, for up to one year, while recovering from an accident or illness that requires rest and treatment.
Funeral Assistance Service
In case of death, Icatu Seguros provides the services and covers the expenses related to the funeral.
2. Main Assistance and Benefits
In addition to the coverage options, life insurance also offers several types of assistance and benefits to ensure your safety and comfort in your daily life, such as:
Services such as sending professionals (plumber, electrician, locksmith, cleaning lady), support with protection expenses (guard) and restaurant and laundry expenses, if the residence is uninhabitable, in addition to renting a vehicle to transport the move.
Quality of Life Assistance
A package with various assistance such as sending professionals (plumber, cleaning lady, locksmith), referral to hospitals, clinics, nurses, nutritional planning, restaurant reservations, among others.
Replacement of employees such as cleaning lady, day laborer, nanny, in case of absence or vacation, in addition to services directed to children, such as home and tutoring classes.
Assistance Basket Births
They offer the new mother and baby a kit with basic hygiene and care items for this very special moment.
Pharmacy Discount Assistance
Discounts ranging from 5% to 70% on the purchase of medicines in accredited establishments in the ways required by the Health Surveillance bodies.
Monthly Cash Draw
When you take out insurance, you receive a lucky number to enter the drawings every month for a specific amount. All drawings are determined based on the drawing of the Federal Lottery.
There are also other coverages such as: Ecological Disposal Assistance, 2nd Opinion Medical Assistance, Pet Assistance, Professional Relocation Assistance and Travel Insurance.
3. Fees and Monthly Fees
Many people believe that taking out life insurance is extremely expensive, which is not true . ! A recent survey found that people find that Life Insurance costs up to 3 times more than the actual price of it .
There are divers the options that fit within your budget .
4. Choice of Beneficiaries
One of the moments that generate more doubts for people seeking to take out life insurance is the choice of the beneficiary. Therefore , we decided to transmit the definition of beneficiary so that everyone understands. The definition of beneficiary is as follows:
“It is the individual or legal entity designated to receive the amounts of the insured capital , in the event of a claim.”
So your beneficiary can be a company or anyone you want to include in your insurance policy. Therefore, you are responsible for defining who should be the beneficiary or beneficiaries of your life insurance.
You can include your children, spouse, nephews, friends, or any person or business that you feel should be your beneficiary.
5. Which Insurer Should You Choose
When choosing the ideal insurance company for your life insurance, you should observe the following points:
- It has t radiation and s olidez?
- How to us and her and sta n the m arket?
- What is the v olume of the tives g eridos p or and you?
- What t tilling the c naughty of c lientes that and it p ossui?
Having an insurance company with tradition and solidity, with more than 25 years in the market, with an asset volume of more than 20 billion reais and more than 6 million customers would be a great choice, isn’t it?