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Life Insurances

Marival Insurance > Life Insurances

Life Insurances

Historically, life insurance has served as an inheritance to beneficiaries once the insured dies, however, there is no longer a need for you to die to receive the benefit. Let us explain: when facing a serious (heart attack), terminal (cancer) or chronic disease (which makes it impossible for you to perform 2 of your 6 vital functions, such as bathing and walking), even if you do not die, they give you up to 90% of the money in a lifetime.

If after a few years the insured wishes to have saved a good amount of money as a supplement to his retirement, even if he does not have serious, chronic or terminal illnesses, nor has he died, he can withdraw part or all of the money saved with interest that plays in your favor, and often tax-free.

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Life insurance with life benefits

Historically, life insurance has served as an inheritance to beneficiaries once the insured dies, however, there is no longer a need for you to die to receive the benefit. Let us explain: when facing a serious (heart attack), terminal (cancer) or chronic disease (which makes it impossible for you to perform 2 of your 6 vital functions, such as bathing and walking), even if you do not die, they give you up to 90% of the money in a lifetime.

If after a few years the insured wishes to have saved a good amount of money as a supplement to his retirement, even if he does not have serious, chronic or terminal illnesses, nor has he died, he can withdraw part or all of the money saved with interest that plays in your favor, and often tax-free.

Qualify for life insurance that pays in life

Anyone in need of protection for their family and under the age of approximately 75 can apply for insurance. According to the health category determined by the company that the client has, after reviewing his medical history and perhaps sending him to do exams; and also, according to age and other factors, the monthly cost and also the benefits will vary.

Term insurance and permanent insurance

These two are the basic forms of life insurance. The first refers to insurance that, as its name implies, will cover us for a certain lifetime, which can be 10, 20, 30 years. After this time, protection ends, but we were insured, not only against death but also against a serious, chronic, or terminal illness.

On the other hand, permanent insurance covers us for life, for death and for chronic, serious and terminal illnesses, and generates tax-free savings account that we can use as a retirement supplement. In other words, if we do not become seriously ill or have yet died, if we want to withdraw cash from our policy, we can do so, due to the compound interest it has generated by participating in the profits of the stock market.

Who should have a life insurance?

Any person who thinks about his well-being and that of his family, who wants to be independent, live free of worries. These are some of the advantages according to certain population groups that were taken as a sample:

  • Families with children: both parents need to leave their property insured, because if something happens to one or both of them, they would cause a financial catastrophe at home.
  • Single mothers, especially with young children: in the time when their children depend exclusively on them, they need coverage so that if they are missing, the children are not left unprotected.
  • Young people with no family of their own and with no intention of progeny: all the more reason they would need to be solvent if any of these diseases should occur to them since they would have no family members to watch over their health and support them at critical moments.
  • New homeowners: if at the time they have to pay the mortgage on the house, one of the owners dies, or they acquire a critical illness that prevents them from working as before and paying the mortgage, the whole dream of living in their own home would be left behind because they will have to give it up and they will have lost time, money and dreams.
  • Older adults: they do not want to be a burden to their children, nor do they want them to stop working to take care of them in case of serious illness.
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