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Insurance Death Atlantis Spain

Atlantis Death Insurance was created in 1990 to provide coverage for individuals who share the values and principles of the social economy. It is an insurance company involved in economic and social development. Founded in 1990, it offers insurance to individuals and organizations that share these social economy values and principles. Atlantis Death Insurance is committed to social economy, economic and social sustainability, trade unionism, education, and associative movements. It is part of the Assurances du Crédit Mutuel Spain Group (ACM Group), led by Crédit Mutuel, the main French mutual bank. Atlantis Death Insurance has extensive experience in both life and non-life insurance.

Atlantis Funeral Insurance follows the ethical code that outlines the general guidelines set by the GACM Spain Group. These guidelines cover customer service quality, compliance with procedures, integrity, and regulatory adherence. Atlantis Insurance practices the principles of the social economy, values that distinguish it. Every resolution, activity, service, and product it offers reflects the philosophy that sets it apart.

Its ethical management prioritizes people, especially clients and employees, and seeks to reduce environmental impact in its operations. It also benefits from the financial stability and solidity provided by the Assurances du Crédit Mutuel (ACM) Group.

The portfolio of Atlantis Insurance includes Atlantis Life, Atlantis Home, Atlantis Death Insurance, Atlantis Health, Atlantis Dental, Atlantis Pets, Atlantis Auto, and much more.

Why Take Out Atlantis Death Insurance?

Atlantis Death Insurance allows you to reserve a fund to cover funeral expenses in the event of death. It also includes a wide variety of additional services. Atlantis is committed to honoring the written funeral wishes of the insured and to offering payment plans tailored to the policyholder’s needs.

The Atlantis Funeral Insurance is more than just a death policy because it provides a variety of extra services: it covers funeral services, travel assistance, national and international transfers, administrative and death advisory services, free will services, and grief psychological support. Optional guarantees include repatriation to the country of origin and coverage for death or permanent disability due to an accident. This insurance is available for individuals aged 16 to 70 and can include all family members under a single policy.

With Atlantis Death Insurance, funeral services, national and international transfers, administrative and death advisory services, free will services, and grief psychological support are included. The payment method for this burial insurance is a single payment at the time of contracting. The processes and procedures of Atlantis Funeral Insurance are fast and efficient, ensuring effective service before, during, and after contracting. Atlantis Insurance Spain benefits from the prestige and financial stability of a strong international group, guaranteeing the punctual, timely, and precise fulfillment of its obligations.

Conditions for Contracting Atlantis Death Insurance Spain

Atlantis Funeral Insurance helps your family face any unforeseen event so they do not have to worry about any expenses or administrative procedures. The Atlantis Burial Insurance is a comprehensive policy that covers the costs of death. Additionally, it assists your loved ones with the necessary administrative procedures. To contract Atlantis Death Insurance, you must meet a minimum profile and complete certain requirements, after which, subject to evaluation, you can contract the Atlantis Death Policy. Let’s see what these are:

• To start, you must provide the information requested in the death insurance application form, as well as the Atlantis health questionnaire supplied by Atlantis Insurance Spain. This includes basic information about the insured, such as full name, identity document number, place and date of birth, etc. Additionally, you must provide information about your current health status and your medical history. This is done through a health questionnaire, which asks about illnesses you have had and those you currently have.
• The most important factor or condition is age. If your age range is between 18 and 70, you can contract several options, such as the Atlantis level premium death insurance, the natural premium, or even the mixed premium. However, some death insurance providers extend the age limit up to 84 years.

What Documentation Do I Need to Contract Atlantis Death Insurance?

Having a death insurance policy is highly beneficial and useful. Through this product, and with just a phone call, the client can have everything arranged to face a funeral. Undoubtedly, this is extremely important because, without this useful tool, organizing a funeral would be complicated. In those painful moments, there is often neither the time nor the energy to handle it. Additionally, the entire family would be affected financially. Therefore, obtaining a death insurance policy is a good investment, as it provides peace of mind and saves significant time and money.

If you wish to obtain a death insurance policy, it is important to know that insurance companies require certain documents. Here is a list of the documentation needed. Generally, all death insurance companies request the same information when contracting a policy. In the case of Atlantis Death Insurance, the required documentation is as follows:

1. No serious illness prior to contracting the policy: Serious illnesses are generally not covered by death insurance. Therefore, if the applicant has any serious medical condition, it will not be possible to contract the policy.
2. Policyholder over 18 years old: The person contracting the death insurance policy must be of legal age. However, this requirement does not apply to other members included in the policy; they can be of any age.
3. Full name: Providing the full names of all insured members ensures that there are no complications when processing and organizing a funeral. This prevents delays and obstacles during difficult moments.
4. Copy of ID, NIE, or passport of the policyholder: Any document required for the policy must be valid to avoid rejection.
5. Bank account in Spain.
6. Date of birth of all insured members: The age of each member is determined based on their birthdate, which allows the insurance company to calculate the policy cost accurately.
7. Address: The insured’s residence is essential for calculating the policy value. Specifying the province of residence allows the insurer to determine the correct cost of the death insurance policy.
8. Complete the health questionnaire: Filling out the health questionnaire helps determine whether the insured have any chronic or pre-existing conditions.

What Factors Influence the Price of Atlantis Death Insurance?

When a death insurance policy is requested, the insurer aims to design the most suitable plan according to the needs of each client. To do this, certain factors must be considered, as they significantly influence the cost of the policy. Once these factors are clearly understood, the insurance company can evaluate the risks and calculate the premium for the desired policy. This is a standard procedure and does not apply only to Atlantis; the same principles are relevant for all death insurance providers.

The main factors that influence the price of Atlantis Death Insurance are:

1. Coverages: The cost of a death insurance policy varies depending on the coverages selected. Additional coverages provide extra benefits, but the policy will have a higher price.
2. Date of Birth: Age, as in health insurance, affects the price of death insurance. The older the insured, the higher the risk assumed by the insurance company. There are also specific types of death insurance available depending on the insured’s age.
3. Place of Residence: The cost of a funeral varies by location. For example, renting or buying a burial niche in Barcelona is not the same as in Madrid or other regions. Therefore, the insured’s place of residence affects the policy price.
4. Repatriation: The cost may increase or decrease depending on the country to which you wish to be repatriated and its distance. Repatriation is a decisive factor in calculating the policy price.

How Can I Cancel Atlantis Death Insurance?

There are many reasons why someone, after paying a death insurance policy for a long time, might need to cancel it. Among these reasons:The insured may face a precarious financial situation that forces them to give up the policy.There may be serious issues with the insurance company due to poor service.The insured might receive a better offer from a competing insurance company and decide to switch.

These are just some of the many reasons someone might want to cancel a death insurance policy. If any of these situations apply, you should know that there are several ways to cancel the policy.

Canceling a policy is a straightforward process. The Atlantis Death Insurance contract is for 12 months, but this is standard for all death insurance providers. According to Spanish law on funeral insurance, to cancel an Atlantis death insurance policy, you must notify the company one month before the policy’s anniversary date.

Example: If your Atlantis death insurance policy—or any other death insurance policy—expires on December 31, you must inform the insurance company of your decision before November 30 to avoid automatic renewal.

What is the Waiting Period for Atlantis Death Insurance?

The waiting period is the length of time established from the day the insurance policy becomes active until the day the insured person can access a specific guarantee or benefit. Once this period has elapsed, the insured can begin to enjoy the contracted coverages.

Waiting periods affect certain coverages, meaning they cannot be used immediately after the policy starts. This is generally done to protect the financial interests of the insurance company.

For Atlantis Death Insurance, the waiting period can be defined as the number of months that must pass from the policy’s activation date before some of the contracted coverages can be used.

If you fill out the form above, we can advise you on the best option for your specific case and answer all your questions.

What Are the Exclusions of Atlantis Death Insurance?

When a death insurance policy is contracted, the purpose is to avoid the high costs involved in organizing a funeral, as well as the cumbersome and complicated procedures that occur during such a difficult time. However, before taking out a death insurance policy, it is important to know that certain elements significantly influence the coverage. Among these elements, one of the most important is exclusions—items that are always included in death insurance policies and that must be understood to know what a policy does or does not cover.

For Atlantis Death Insurance, as with other insurers, the following are typically excluded: 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 indemnity according to the insurance contract law and deaths that occur before the payment of the first premium.

Can I Take Out Atlantis Death Insurance with a Serious Illness?

It is essential to know which factors may allow or prevent the contracting of a death insurance policy. Among these limiting factors are serious illnesses. Therefore, if a person suffers from cancer, a heart attack, or any serious coronary condition, among other severe pathologies, unfortunately it will not be possible to obtain a death insurance policy, as these conditions are considered serious illnesses in Spain.

Due to the high risk, according to Article 10 of Law 50/1980 of October 8, on the insurance contract for death in Spain, the insurer 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 the insured has had a serious illness, it will be possible to take out Atlantis Death Insurance only if the illness has been overcome without leaving serious after-effects. This must be verified in advance. In such cases, the insurance company will request documents from the policyholder to validate that no severe after-effects remain from any previous serious condition.

Insurance Death Atlantis Spain

Main Coverages of Insurance Death Atlantis Spain