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Death Insurance Aegon Spain

Aegon Death Insurance is a Dutch company that began its operations in Spain in 1980 when it acquired Seguros Galicia. It initially focused on general insurance, but with the goal of entering the life insurance sector in which the Aegon Group has experience. The growth and expansion of the insurer has been uninterrupted for 40 years, making investments in other companies and specializing its product portfolio. Between 2012-2019, it implemented what they called the Direct Channel to carry out online contracts and expanded its organizational platform. Similarly, it redefined its strategies and expanded its agreement with Banco Santander. Currently, Aegon Death Insurance, with all that backing, has an excellent liquidity position within the insurance world. Likewise, Aegon Death Insurance is among the best in Spain.

Aegon Insurance Spain has 22 offices, an extensive insurance network, support from financial institutions, and an Internet channel. Its mission focuses on providing service and offering products so that people can insure what they value most, for their entire life. Its values form the foundation of its actions as an insurer and as a team. Service: implement a close and multichannel service that allows it to assist its clients and partners when needed. Value: efficiency in operations and confidence that all decisions are optimal for its stakeholders. New culture: so that all employees focus on providing optimal service to clients and partners.

The range of possibilities offered by Aegon Insurance includes: Aegon Life, Aegon Health, Aegon Home, Aegon Death Insurance, Aegon Auto, Aegon Accidents, and much more.

Why Hire Aegon Death Insurance?

By hiring Aegon Death Insurance, you will have the peace of mind that both you and your family desire. It offers the Family Assistance iPlus plan. With it, you can remain calm because Aegon takes care of everything so your family doesn’t have to worry about anything.

Aegon Burial Insurance is more than a Death Policy because it provides the most extensive basic death coverage in the market. It is a flexible insurance because you can customize your policy by adding other guarantees that provide more complete protection. Among the coverages offered by Aegon are:

Legal Advice, Funeral Procedures, Medical Advice, Death of Both Spouses (in case of an accident), among others.

The optional services you can hire include: Accidents, Travel Assistance, Minor Assistance, Senior Assistance, Exceptional Burial Expenses, Medical Assistance, and Comprehensive Legal Protection.

The Aegon Death Insurance Family Assistance iPlus from Aegon Insurance is highly beneficial for families. That is why, if you are under 65 years old and do not yet have burial insurance, this is the best moment to enroll. Likewise, it is also aimed at young families with financial responsibilities, who initially require an affordable premium to cover their needs, with future increases.

On the other hand, with Aegon Death Insurance, up to age 41 you will pay a natural premium, renewable annually. From age 41 to 65, you will pay a mixed premium, which at each renewal recognizes the seniority of your insurance. Aegon Death Insurance has the backing and solvency of its group, which has positioned it among the top insurers in the country. Likewise, Aegon Insurance Spain offers an innovative online portal where you can complete all procedures from the comfort of your home.

Conditions to Hire Aegon Death Insurance Spain

Aegon Burial Insurance is a support primarily aimed at facing the most difficult circumstances of a family. It covers the economic needs that may arise from the death of a loved one. Generally, Aegon Burial Insurance becomes increasingly important in our lives as the years go by and we take on family responsibilities. Therefore, if you choose Aegon Death Insurance, here we will explain what should be considered when hiring an Aegon Death Insurance Policy.

First, you must complete the Aegon Death Insurance Application and the Aegon Health Questionnaire provided by Aegon. It is advisable not to hide any information or lie in the process.

Insurance companies in Spain, and of course Aegon Insurance, establish an age limit to hire a regular death insurance policy. This limit is up to 65 years old, extendable to 70 years, where you will have options for an Aegon Level Premium Death Insurance, a Natural Premium, or a Mixed Premium policy. Normally, a medical examination is not required to hire a death insurance policy. However, you may be asked to undergo a telephone interview, a written and signed questionnaire, or provide a signed declaration about your health status.

Other death insurance companies, including Aegon, also consider people over 65 years old and extend the age limit to 70 years. Some death insurance providers even allow enrollment up to 80 years old.

What Documentation Do I Need to Hire Aegon Death Insurance?

Through a death insurance policy and with just one call, the client can organize everything necessary for a burial. Undoubtedly, this is extremely valuable because, without this essential tool, it is not easy to manage. In such painful moments, this situation must be handled efficiently. Therefore, if you do not have a death insurance policy, the entire family is significantly affected, mainly financially. That is why, when hiring a death insurance policy, it provides the crucial peace of mind needed in these terrible moments, as it also saves substantial time and money.

It is important to know that, if you want to hire a death insurance, insurance companies require certain documents to be submitted. Here we will explain the types of documents you need to hire a death insurance policy. Generally, all death insurance companies request the same information when acquiring a policy. Therefore, the necessary documentation to hire Aegon Death Insurance is as follows:

1. No serious illness prior to hiring. If you suffer from a serious illness at the time of hiring a death insurance policy, you will not be able to contract it, as such conditions are not covered by death insurance policies.
2. Policyholder over 18 years old. The person who wishes to hire a death insurance policy must be of legal age, which is essential. This restriction applies only to the policyholder; the other family members included in the policy have no age limit. In other words, they can be any age.
3. Full Name. Clear identification of all insured persons ensures no complications in managing the burial of any of them and prevents delays or obstacles.
4. Copy of ID, NIE, or Passport of the policyholder. All documentation must be valid when hiring a death insurance policy. Expired documents will be rejected.
5. Bank account in Spain.
6. Birthdates of all insured persons. Age is a key factor to consider when hiring a death insurance policy, as it determines the calculation of the insurance premium.
7. Address. Another vital element for calculating the value of a death insurance policy is the insured person’s residence. The province where the insured lives will determine the policy price.
8. Complete the health questionnaire. The health questionnaire must be completed honestly and without hiding any information. This allows determination of whether the insured persons have any pre-existing or chronic conditions.

What Factors Influence the Price of Aegon Death Insurance?

Death insurance policies are versatile products that offer a series of coverages with various attractive prices for all clients. This allows the insured to choose and hire the most convenient death insurance. It is important to know that the rates offered are mainly indicative, as they only serve as a guide for the client when the insurance company offers a specific product. Therefore, when designing a death insurance policy according to each client’s requirements, certain parameters must be considered, as they greatly influence the insurance cost. This allows the insurance company to assess the risk and calculate the premium of the desired policy. In general, this procedure applies not only to Aegon; the following information is the same for all death insurance providers.

When you require a death insurance policy, it is important to understand that not all policies have the same prices. Below, we explain the factors that influence the price of Aegon Death Insurance, and we help you through the process for free and without commitment.

• Coverages: The price of a death insurance policy varies depending on the coverages you select or if you add additional coverages. When hiring extra coverages, you gain more privileges, but the policy price will be higher.
• Birthdates: Age, as in medical insurance, affects the price of death insurance. The older the person, the higher the risk assumed by the insurance company. Additionally, there is a type of death insurance according to your age.
• Area of Residence: The area of residence matters because the cost of a burial and related expenses is not the same everywhere. Renting or buying a niche in Barcelona is different from Madrid or another location. Therefore, depending on where you live, the price of death insurance may vary.
• Repatriation: This depends on the country to which you wish to be repatriated or how far it is, which can increase or decrease the price. Thus, repatriation is a decisive factor when calculating the policy price.

How Can I Cancel Aegon Death Insurance?

On many occasions, after paying for years, several people with a death insurance policy may find themselves in the difficult position of needing to cancel it for various reasons. These reasons may include a serious financial situation of the insured person, problems with the insurance company regarding the services provided, or even receiving a more attractive offer from another insurance company.

Whatever the reason for canceling a death insurance policy, there are several ways to do it. Therefore, canceling a death insurance policy is a simple process without complications. In this case, the Aegon Death Insurance contract is for 12 months, but this applies not only to Aegon Death Insurance; all death insurance companies follow the same rule due to Spanish burial insurance law. To cancel Aegon Death Insurance, you must notify the company 1 month before the policy anniversary.

Example: If your Aegon Death Insurance Policy or a policy from another death insurance company 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 Aegon Death Insurance?

The waiting period is the period of time established from the day the policy becomes active until the day the insured policyholder can use a specific coverage. From that moment, it is possible to begin enjoying the coverages of the death insurance policy that has been contracted.

It is important to note that the waiting period affects certain coverages, meaning they cannot be used immediately when the contract comes into effect. This protects the financial interests of the insurance company with which the policy was contracted.

The waiting period for Aegon Death Insurance can be defined as the period of time, measured in months from the activation or contracting date of the Aegon Death Insurance Policy, during which certain coverages cannot yet be used. If you fill out the form above, we will advise you on the best option for your specific case and answer all your questions.

What Exclusions Does Aegon Death Insurance Have?

The purpose of hiring a death insurance policy is to avoid facing the high costs involved in organizing a burial. Likewise, it aims to prevent the complicated and cumbersome procedures that are inevitably necessary when a person passes away. Therefore, it is important to know that before hiring a death insurance policy, certain elements must be considered that significantly influence the contracting process. Among these elements are the exclusions.

Exclusions in a death insurance policy are vital to know, as anyone who wishes to hire a death insurance policy must understand which elements cannot be included in the coverage. For the coverages of Aegon Death Insurance, as with other insurers, exclusions usually include deaths caused by natural disasters, radioactive radiation, nuclear energy, acts of war, terrorist acts, or riots. Also excluded are cases that do not give rise to any compensation according to the insurance contract law and deaths that occur before the payment of the first installment or premium.

Can I Hire Aegon Death Insurance with a Serious Illness?

When subscribing to a death insurance policy, it is essential to know which factors may allow or prevent its contracting. Among these factors are serious illnesses. Therefore, it is important to know if the persons to be insured have such complications. In the case of suffering from any serious illness, such as cancer, a heart attack, or coronary conditions, among many others, it will not be possible to hire a death insurance policy.

In such situations, unfortunately, it is not possible to hire death insurance with a serious illness in Spain. Due to the high risk, according to Article 10 of Law 50/1980, of October 8, on insurance contracts in Spain, the insurer is exempt from paying any compensation if false information is provided on the medical questionnaire regarding the insured’s health, omitting any pre-existing serious illness.

However, if the person wishing to be insured has had a serious illness, it is possible to hire Aegon Death Insurance only if the illness has been fully overcome without serious sequelae. This must be verified beforehand. In such cases, the insurance company may request documentation from the insured certifying that there are no serious aftereffects from the condition.

Insurance Death Aegon Spain

Main Coverages Insurance Death Aegon Spain