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Fe Insurance Death – FE Death Insurance Spain

FE Insurance Death was established in Vigo in 1924. This Galician company, with almost 100 years of experience, has more than 130 offices across the entire Spanish territory. It specializes in the field of death insurance. Its goal is to provide a comprehensive assistance service to families, ensuring support and guidance at the moment of losing a loved one. FE Death Insurance offers an individualized service, adapting to the requirements of an increasingly demanding market. It creates innovative service lines—health, dental and legal assistance, culture, and leisure—constantly implementing a serious and effective business management strategy.

Through a telephone service, operating 24 hours a day, 365 days a year, any unforeseen event is permanently attended to. The FE Death Insurance also provides an important fleet of Mobile Assistance Units (M.A.U.) to be present wherever clients need them and to carry out all necessary procedures.

FE Insurance Spain is distinguished by its solidity and reliability. Its core mission and the engine of its success is the uninterrupted improvement in the quality of service offered to its policyholders. In this sense, since its creation, it has effectively invested in the implementation of innovative products and services. Supported by strict quality criteria, it sets as a fundamental challenge the continuous improvement of service efficiency. FE Insurance has embraced technological advances and is distinguished by its timely use of the latest management, training, and communication systems. It is an empathetic insurer, known for its outstanding professionals. The company is made up of competent men and women committed to their environment.

The portfolio of FE Insurance Spain consists of FE Dental Insurance, FE Health Insurance, FE Death Insurance, and much more.

Why Hire FE Death Insurance?

FE Death Insurance is one of the best in the field of death insurance. This represents an excellent benefit for policyholders because its specialization allows it to offer a personalized service, designed to help overcome the loss of a family member. FE Burial Insurance is much more than a death policy, as it is designed for any eventuality, and its adaptability allows it to adjust to the individual wishes of each policyholder.

Additionally, FE Death Insurance, through its policy, benefits the entire family group. That is why, if you have not yet contracted death insurance, now is the best time. Among the benefits offered by FE Death Insurance are:

Cremation or burial service

Special funeral service for neonates, guaranteeing funeral services in the case of the death of the policyholder’s children during gestation or within the first 30 days of life

Free choice of cemetery

Stay and transfer in the funeral home, that is, the mortuary

Legal and administrative advice and assistance, regarding procedures required due to the policyholder’s death

Procedures such as deregistration in the family book, last wills, death certificate, birth certificate, obtaining death assistance, processing widow’s pension, orphan’s pension, up to 3000 euros

FE Death Insurance is recognized for its solvency and efficiency in payment and processing of contractual commitments. Likewise, FE Insurance Spain enjoys prestige and specialization in the field of death insurance, allowing efficiency in all procedures related to a death.

Conditions to Contract FE Death Insurance Spain

In such complex situations, it is essential to have all possible assistance, as well as the greatest simplification in management. Therefore, by having Burial Insurance, you will have the support you need. But surely you may be asking many questions regarding the conditions required to acquire Burial Insurance. Therefore, if you have already decided to contract FE Death Insurance, here we will explain what to do to acquire the FE Death Insurance Policy.

First, you must provide all the information contained in a form or death insurance application, as well as a Health Questionnaire provided by FE Insurance Spain. This is a delicate task, as its accuracy must be taken into account. Therefore, it is advisable not to hide any information and not to lie.

Likewise, the main requirement to contract death insurance is age. To acquire FE Death Insurance, you must be between 18 and 70 years old and enjoy good health. For this, several options are designed, such as FE Level Premium Death Insurance, or Level Premium or Mixed Premium options.

In the market, however, there are some death insurers, such as FE, that extend the age limit up to 70 years. There are even other death insurers that accept applicants up to 84 years old.

What Documentation Do I Need to Contract FE Death Insurance?

Death insurance helps the client organize everything related to a death, with just a simple phone call. In those terrible and painful moments, when the death of any family member who is insured occurs, this is extremely valuable. This is very important because organizing a death on your own is complicated. Without death insurance, both bureaucratically and financially, the family of the deceased is heavily affected. Therefore, contracting death insurance provides the necessary peace of mind during those moments, as it achieves substantial savings in both time and money.

When you want to contract death insurance, insurance companies generally require certain documents. Here we will explain what documentation is needed. Generally, all death insurance companies request the same information when you want to acquire a death insurance policy. The necessary documentation to contract FE Death Insurance is as follows:

1. No serious illness prior to contracting. If you want to contract a policy and have no serious illnesses, you are fully eligible. However, if you have a serious illness, it will not be possible to contract the policy, as such conditions are not covered by death insurance policies.
2. Policyholder over 18 years old. Being of legal age is indispensable for the person contracting death insurance. Regarding other family members included in the policy, there are no age restrictions; they can be any age.
3. Full name. Having the full names of the people included in the contract clearly allows for easy identification. This ensures quick and simple location in the policy, enabling the management of the death without delays or obstacles.
4. Photocopy of ID, NIE, or passport of the policyholder. The documents submitted when contracting death insurance must not be expired. Therefore, these documents must be valid.
5. Bank account in Spain.
6. Birthdates of all insured persons. Age is a key factor when calculating the cost of a death insurance policy. Therefore, it is essential to know the birthdates of each person included in the policy.
7. Address. Depending on the province where the insured resides, it is possible to calculate the policy value. Therefore, the address is another vital element when contracting death insurance.
8. Complete the health questionnaire. When contracting death insurance, the health questionnaire must be completed honestly. This determines whether the insured members have any chronic or preexisting conditions.

What Factors Influence the Price of FE Death Insurance?

Death insurance is a versatile product that offers a range of coverages with various attractive rates for clients. This allows the client to choose and contract the most suitable insurance. These rates are indicative and serve to guide the client when the insurance company offers them a death insurance policy.

When designing a death insurance policy for each client, insurance companies must take certain elements into account that significantly influence the policy price. In this way, the insurer assesses the risk and calculates the premium of the selected insurance. This applies not only to FE, so the information provided here is relevant for all death insurance companies.

When contracting a death insurance policy, it is important to remember that not all policies have the same cost. As mentioned, many factors significantly impact the price of the insurance. Below are the main factors that influence the price of FE Death Insurance, and we will guide you through the process for free and without obligation.

1. Coverages: The price of a death insurance policy varies depending on the coverages you choose. If you add extra coverages, you will receive better benefits, but the policy will have a higher price.
2. Birthdates: Age, like in health insurance, influences the price of death insurance. The older the person, the higher the risk assumed by the insurance company. Additionally, there are specific types of death insurance depending on age.
3. Residential Area: The area of residence influences the price because burial costs and related expenses vary by location. Renting or buying a niche in Barcelona is not the same as in Madrid or another area. Therefore, depending on where you live, the price of death insurance may vary.
4. Repatriation: This depends on the country to which you want to be repatriated. The distance can increase or decrease the price. Therefore, repatriation is a decisive factor when calculating the policy cost.

How Can I Cancel FE Death Insurance?

For various reasons, in many cases, people who have a death insurance policy, after paying for these services for a long time, find themselves needing to cancel it. This is often a very difficult decision to make.

Among the reasons for taking this unfortunate decision is experiencing a difficult financial situation. Additionally, there may be some dissatisfaction with the insurance company regarding the services provided. It is also possible that one might want to cancel the insurance because a better offer has been received from another competing insurance company.

Whatever the reason, it is important to know that if you wish to cancel a death insurance policy, there are several ways to do it. Therefore, canceling a death insurance policy is a simple and straightforward procedure.

In this case, the FE Death Insurance contract is for 12 months. This rule is not only applicable to FE Death Insurance but also to all death insurance companies because the Spanish burial insurance law indicates that to cancel an FE Death Insurance policy, you must notify your insurance company 1 month before the contract’s anniversary.

Example: If your FE Death Insurance policy or another death insurance policy ends on December 31, you must notify the insurance company of your decision not to renew before November 30.

What Is the Waiting Period for FE Death Insurance?

The waiting period in a death insurance policy is the period of time established from the day the policy begins until the day the insured policyholder has access to a specific guarantee. From that moment, the policyholder can start enjoying the coverages of the death insurance policy that has been contracted. In these cases, the waiting period usually affects some coverages, which means they cannot be used immediately after the contract starts. This occurs to protect the financial interests of the insurance company that issued the policy.

Specifically, the waiting period for FE Death Insurance can be defined as the period of time, counted in months from the date the FE Death Insurance policy is activated or contracted, during which some contracted coverages cannot yet be used. If you fill out the form above, we will advise you on the best option according to your specific situation and answer all your questions.

What Exclusions Does FE Death Insurance Have?

When obtaining a death insurance policy, the goal is to prevent our family from facing the high costs involved in organizing a burial. Similarly, it aims to avoid the complex and bureaucratic procedures involved in that process. Therefore, before contracting a death insurance policy, it is necessary to consider certain details that significantly influence the contracting process. Among these, perhaps one of the most important aspects—aside from the inclusions—are the exclusions in death insurance policies.

Because of this, anyone wishing to contract a death insurance policy must take into account, in addition to the coverages they want to include, what cannot be included in the policy. Once this point is clarified, there should be no complications in obtaining a death insurance policy.

In the case of coverages in FE Death Insurance, as with other insurance companies, exclusions usually include deaths caused by natural disasters, radioactive radiation, nuclear energy, acts of war, terrorist acts, or civil disturbances. Also excluded are cases that do not give rise to any compensation according to insurance contract law, as well as deaths that occur before the payment of the first installment or premium.

Can I Contract FE Death Insurance with a Serious Illness?

Before contracting a death insurance policy, it is essential to know which factors allow or prevent the policy from being contracted. Therefore, it is very important to know if the people to be insured suffer from serious illnesses, as having a condition of this type is delicate and difficult to treat. Such serious illnesses include cancer, myocardial infarction, and many others. Because of this, unfortunately, it is not possible to contract a death insurance policy in Spain if you have a serious illness.

Due to the high risk, according to Article 10 of Law 50/1980 of October 8, regarding death insurance contracts in Spain, the insurance company will be exempt from paying any compensation if false information is provided in the medical questionnaire regarding the insured’s health, thus omitting any preexisting serious illness.

However, if you have had a serious illness, it is possible to contract FE Death Insurance once the illness has been overcome and no severe aftereffects remain. This must be verified in advance. In such cases, the insurance company may require certain documentation or certifications to confirm that the individual no longer has this type of condition.

FE Death Insurance Spain

Main Coverages of FE Death Insurance Spain