FAQ

Frequently Asked Questions

Life Insurance

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What is life insurance?
It is a contract between an individual and an insurance company, where the insurer agrees to pay a sum of money to designated beneficiaries in the event of the insured's death, in exchange for the payment of premiums.
Why is it important to have life insurance?
It provides financial security to your loved ones, helping to cover final expenses, debts, children's education, and the maintenance of their standard of living in the event of your passing.
How do I choose the right life insurance for me?
It depends on your financial needs, family responsibilities, and long-term goals. An advisor can help you evaluate factors such as income, debts, and future plans to recommend the best option.
Can I change my life insurance policy after purchasing it?

Yes, in many cases you can adjust coverage, beneficiaries, or even the type of policy, depending on the terms of the contract and the options offered by the insurer.

Major Medical Expenses Insurance

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What is major medical expenses insurance?

It is coverage designed to pay for medical expenses resulting from serious illnesses or accidents that require hospitalization, surgeries, or costly treatments.

Why do I need major medical expenses insurance if I already have social security?

It offers access to a network of private hospitals, faster medical care, cutting-edge technology, and the ability to choose your specialists, complementing public care.

What do major medical expenses insurances typically cover?

They usually cover hospitalization, medical fees, medications, diagnostic tests, surgeries, and, in some cases, international care.

How are major medical expenses insurance premiums determined?
They are based on factors such as age, gender, current health status, chosen level of coverage, and geographical zone of residence.
Can I include my family in my major medical expenses policy?
Yes, most policies allow you to include a spouse and children, offering comprehensive protection for the entire family unit.

Disability Insurance

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What is life insurance?
It is a contract between an individual and an insurance company, where the insurer agrees to pay a sum of money to designated beneficiaries in the event of the insured's death, in exchange for the payment of premiums.
Why is it essential to have disability insurance?
It protects your most valuable asset: your ability to generate income. Without this coverage, a prolonged disability could drain your savings and put your wealth at risk.
What types of disability does this insurance cover?
It generally covers temporary or permanent total disability, depending on whether the person is able to return to their regular duties or not.
How is the benefit amount determined in a disability policy?

It is established at the time the policy is purchased and is usually based on a percentage of your gross monthly income.

What is the waiting period before receiving benefits?

It is the time that elapses from the onset of the disability until you start receiving payments; this period is defined when purchasing the insurance (for example, 30, 60, or 90 days).

Group Insurance

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What is group insurance?
These are policies contracted by a company or group to cover a set of individuals (usually employees), offering preferential terms and costs compared to individual policies.
What are the benefits for employees of having group insurance?
Access to high-quality coverage at a lower cost (or free if the company covers it), immediate protection, and sometimes simpler insurability requirements.
How do group insurances benefit companies?

They help attract and retain talent, improve the work environment, increase productivity, and, in many cases, are tax-deductible.

What types of coverages can be included in group insurance?
They commonly include life, major medical expenses, personal accidents, and sometimes dental or vision insurance.
Can employees customize their coverages in a group policy?

Although the core is group-based, some companies offer flexible plans where the employee can pay an additional premium to increase sums insured or add extra coverages.