Life insurance

Term life insurance

So your family can carry on

Term life insurance

What does our Temporary life insurance offer you?

Our Temporary life insurance policy is the best choice for guaranteeing peace of mind for you and your family in the event of any unforeseen event. It is a flexible solution that lets you relax in the knowledge that your loved ones will not have any problems when you are no longer around.

Advantages of this insurance

Exclusive services

Temporary life offers you coverages that you will be able to use from day one, such as the online will or the telephone helplines for medical guidance and legal assistance.

Highly flexible

A flexible solution, since you decide the amount of capital you want to guarantee your loved ones' future if something unexpected were to happen.

The solution you're looking for

You can add permanent and total disability cover, as well as assuring the payout of double the capital in the event of death or disability caused by an accident or triple the capital if caused by a road accident.

Tax benefits

Compensation due to the death of the insured person can lead to significant tax reductions for the beneficiaries, depending on the autonomous region of the country.

Insurance coverage

Death

With this cover, the beneficiaries mentioned in the insurance policy will receive an indemnity in the event of the insured person's death. Furthermore, you can customise your insurance policy by choosing from the various extensions that are available for this cover:

Death by accident: with this optional cover, the beneficiary will receive twice the insured capital if the death is caused by an accident,
Death caused by traffic accident: if you also include this coverage, the capital will be three times the capital insured if the death is caused by a road accident. Temporary life also has an additional capital for the insured person's children if both parents pass away in the road accident.

Total permanent incapacity

This cover adds to the insurance policy a special protection in the event of permanent and total disability of the insured person, compensating them with the capital sum set out in the policy. You can also extend the cover with the following options:

Permanent and total disability due to accident: if the disability is caused by an accident, the capital that the insured person will receive will be twice that established for the cover of disability.
Permanent and total disability due to road accident: if the disability is a consequence of a road accident, this capital will be triple the amount.

Capital advance in the event of severe illnesses

This cover provides you with an assured capital advance payment in the event that you suffer a severe illness, such as: cancer, heart attack, stroke, kidney failure, paralysis, coronary artery surgery or vital organ transplant.

The advance can be for 25%, 50% or 75% of the insured capital for the coverage of death, up to a maximum of 150,000 euros, which you may choose when you take out the insurance policy.

Online will

The online will is the most convenient, secure and quickest way to make your will, since you don't have to go anywhere and you will have legal aid at all times. Temporary life includes this cover in your policy so that you can use this service. You can also use it to elaborate documents such as:

Hereditary will and bequests
Living will
Charitable will
Will modifications

Digital wiping

With this cover, we will take care of the deletion of your digital life in the event that you were to pass away, cancelling profiles on social networks, email addresses, blogs and similar items that appear on the internet.

Second medical opinion

Thanks to this cover, you will have access to a second medical opinion for illnesses that are considered serious, such as cancer, stroke and cerebral infarction, heart attack, Alzheimer's or Parkinson's, among others, as well as for surgical operations and transplants.

Cardiac rehabilitation

Temporary life includes this innovative cover which, in the event that you suffer from a heart disease, such as conditions of the heart valves, transplants, a heart attack and similar ailments, allows you to access a complete rehabilitation programme which consists of physical training, psychological readjustment and information to help you in your recovery.

Telephone medical advice

This guarantee offers you a telephone helpline 24 hours a day, 365 days a year, which you will be able to call if you need information on health centres, practitioners, emergencies or duty chemists. It also offers advice and guidance on medical, psychological, social and dietary matters.

You will be able to access this service by calling the telephone number 900 369 369.

Legal advice over the phone

To complete your Temporary life insurance policy, we include this cover that provides you with advice over the phone on legal matters, both of a personal nature and those relating to your family, since you will be looked after by a lawyer whenever you need, 24 hours a day, all year-round.

You will be able to access this service by calling the telephone number 917 83 83 83.

A doctor on call for you 24/7

If you have any questions about your health, medical centres you can visit or which pharmacies are open, we will gladly help you.

More information

Modalities

VidaPlus renewable

In this insurance format, the policy is taken out for a one-year period, and may be renewed annually. VidaPlus renewable allows you to choose a capital amount that remains constant throughout the policy term, or alternatively a capital amount that progressively increases by being revalued with each renewal, according to the CPI or a fixed percentage of 1% or 10%.

VidaPlus temporary cover

In this format, you decide the duration of the insurance policy when you take out the policy. It can range anywhere from 2 to 25 years up. With the VidaPlus temporary cover insurance policy, both the insured capital and the premium payments remain constant throughout the policy term.

Access the online will service

If you already have your life insurance policy with us, discover now how the online will service works and all the benefits it offers you.

Online will access

FAQs

Why do I need life insurance if I already have the policy included in my mortgage?

In most cases, life insurance that we take out with the mortgage only covers payment for the property. In this regard, if anything happens, the banking institution is protected. But what about our family? Can we be sure that we are covered?

For this reason, it's advisable to take out life insurance that allows our family to maintain a stable economic situation, as well as one that settles the mortgage. A simple insurance policy such as Temporary life is the perfect option for this.

Why do I need life insurance if I have enough financial resources to maintain my family?

Our finances can cover the needs of our family, but they should also cover the difference between Social Security coverage and our current standard of loving.

And what would happen in the case of disability? There would be a significant increase in expenses, such as for doctors and home care, which, combined with the decreased income, would reduce our initial finances considerably.

If something happened, wouldn't we be covered by Social Security?

Public administrations grant provisions in the case of orphanhood, widowhood and occupational disabilities, but they are only a percentage of the regulatory base of the recipient, and so we need to cover the difference between Social Security coverage and our current living standard.

Can I choose any beneficiary?

Yes, the insured capital will be paid to whoever you choose. They do not have to be your legal heirs. Additionally, if the provision is received in the form of capital, as a consequence of the death of the insured party, and the beneficiaries are the insured person's children, spouse or other direct family members, they can receive important reductions to the tax base, depending on the region of the country, by presenting a Tax on Inheritance declaration.

What capital do I need to have insured?

Finding out what exact capital is as easy as answering three simple questions:

The monthly income you want to guarantee for your spouse and children.
How long you will need this cover for.
Your family's current economic situation: the savings available and financial encumbrances.

The best option is to undertake a full analysis with your insurance broker. They will provide you with a personalised study that will allow you to determine what capital you need to take out to ensure the economic needs of your family are well covered.