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Insurance Death Aura Spain

Aura Death Insurance was founded in 1954 under the name Aura Seguros Sociedad Anónima to serve its large clientele. Eight years after its founding, Aura Seguros moved its headquarters from the city of Lleida to the province of Barcelona. Over the years, it developed multiple highly useful products, and by 2003, entering the new millennium, it took on new challenges. That same year, foreign residents in Spain could benefit from Aura Seguros’ solutions in the area of death insurance. With a policy, both the economic and administrative challenges that the death of a family member poses for foreign families are addressed. Among its products, Aura Death Insurance stands out with the Aura Death Insurance Spain policy.

This way, if you have Aura Death Insurance, you have everything necessary to face those difficult moments after the loss of a loved one. This is highly valuable, as in such unfortunate circumstances the unconditional support of a trusted insurance company is essential, and with Aura, you have it. With Aura Death, clients receive the best coverage, ensuring that in those difficult moments following the death of a loved one, they have everything needed to manage the funeral.

Additionally, Aura Spain offers a range of high-quality products for all its clients, among which the most notable are: Aura Death Insurance, Aura Health, and much more.

Why Contract Aura Death Insurance?

By contracting Aura Death Insurance, you gain access to an efficient service and an excellent funeral service insurance, essential in the event of the loss of a loved one who is insured. Aura Death Insurance also guarantees extraordinary services that complement the death coverage. In this way, the Aura Death Insurance policy provides more than the standard benefits, giving you everything necessary to organize a funeral. Undoubtedly, Aura Funeral Insurance is much more than a simple death policy.

Aura Death Insurance offers solutions for everyone: families who wish to have everything resolved in advance, coverage for people over 70 years old, and even for those who require international death coverage.

Aura provides multiple plans adapted to your needs: Aura Death Insurance Total Protection, Aura Death Insurance Family Protection, and Aura Death Insurance International Policy. Each is designed to meet the diverse requirements of clients in the event of the death of an insured person, handling necessary administrative procedures to assist you in those difficult moments.

The Aura Death Insurance Total Protection goes beyond traditional death insurance. It combines the coverage of Family Protection with life insurance benefits. With this plan, Aura Death Insurance guarantees a capital sum that is not designated for funeral services but rather for the named beneficiaries. It also optionally covers life capital, travel assistance, and accidents.

Aura Death Insurance Family Protection is a modular plan offering great flexibility. It provides three basic guarantees: funeral service with free choice of cemetery, national and international transfers, and travel assistance. Additionally, it offers special funeral services and access to Aura Health. Its essential coverages deliver a level of protection superior to any other death insurance.

With the Aura Death Insurance International Policy, you have death insurance specifically designed for foreigners. It is intended for foreign residents in Spain who wish to be buried in their home country. Therefore, Aura International Insurance includes repatriation as a basic guarantee. It also covers travel assistance and provides access to Aura Legal.

Conditions to Contract Aura Death Insurance Spain

By having Aura Funeral Insurance, you have everything necessary to face the sensitive loss of a loved one. This is vital because without financial support in such moments, everything becomes complicated. Therefore, with this excellent product, you avoid worries that could arise if you do not have the necessary funds. By contracting Aura Death Insurance, you can easily cover the expenses related to the passing of your loved one. Additionally, you do not have to worry about complicated procedures, as Aura Death Insurance handles all administrative processes.

It is also important to know that there are a series of conditions and steps required to obtain Aura Death Insurance. To acquire the Aura Death Insurance policy, you must first complete the application form and the health questionnaire provided by Aura Spain. These procedures should be completed clearly and accurately. This ensures that there are no difficulties when using the service, as providing false or incorrect information may result in the contract being canceled.

Furthermore, individuals between 18 and 70 years old have several options for paying the premium. These options include the Mixed Premium Death Insurance, Level Premium Aura Death Insurance, or the Natural Premium Insurance.

Some death insurance companies, such as Aura, extend the age limit up to 70 years. Others may extend it up to 84 years. By filling out the form at the beginning of this article, you are guaranteed the best price with the best coverage. You can request information without any obligation.

What Documentation Do I Need to Contract Aura Death Insurance?

Aura Death Insurance provides its services during the most difficult and delicate moments for a family. Therefore, being in the best hands and having the best product is essential, and only Aura Death Insurance offers this. By having Aura Death Insurance, you gain peace of mind regarding these expenses, while also saving significant time and money.

However, if you wish to contract Aura Death Insurance, it is essential to provide certain documentation. The necessary documents to contract Aura Death Insurance are as follows:

• Must not have any serious illness prior to contracting the policy.
• Policyholder over 18 years of age.
• Full Name and Surnames.
• Photocopy of ID, NIE, or Passport of the policyholder.
• Bank account in Spain.
• Dates of birth of all insured persons.
• Address.
• Complete the Health Questionnaire.

What Factors Influence the Price of Aura Death Insurance?

All death insurance policies in Spain have varied prices. This is because each insured person requests different coverage in their policy. Therefore, since each client’s requirements are different, insurance companies must consider certain factors that significantly affect the cost of the policy. By evaluating the client’s needs and assessing the associated risks, the insurer calculates the premium accordingly.

Most of these factors are applied by all insurance companies, not just Aura. Here are the main factors that influence the price of Aura Death Insurance:

1. Coverages: The policy price varies depending on the coverages you choose or if you opt for additional coverages.
2. Date of Birth: Age, as with health insurance, influences the price of death insurance. The older the insured, the higher the risk assumed by the insurance company. Additionally, there are different types of death insurance based on age. For example, for people over 65, it is common to contract Aura Single Premium Death Insurance.
3. Place of Residence: The location affects the cost because funeral expenses are not the same everywhere. Renting or purchasing a burial niche in Barcelona is not the same as in Madrid or other areas.
4. Repatriation: The cost depends on the country to which you want to be repatriated. The farther the destination, the higher the price may be, and vice versa.

How Can I Cancel Aura Death Insurance?

If you have a Death Insurance policy, it is possible that for various reasons you may need to cancel it. In fact, there are many reasons why someone might want to cancel a death insurance policy. The most common reasons include: deciding to discontinue the Death Insurance because you received a better offer from another insurer, having limited financial resources and no alternative to maintain the policy, or dissatisfaction with the contracting insurance company regarding the services provided. Whatever the reason, cancelling the Death Insurance is not complicated, as the process is very simple to carry out.

The Aura Death Insurance contract has a duration of 12 months. However, this rule is not exclusive to Aura Death Insurance; all funeral insurance companies operate under the same regulation. According to the Funeral Insurance Law in Spain, to cancel Aura Death Insurance, you must notify your insurance company one month before the policy’s annual renewal date.

Example: If your Aura Death Insurance policy, or a policy with another funeral insurance company, ends on December 31, you must inform the insurance company of your decision not to renew before November 30. This ensures the cancellation is processed correctly and avoids automatic renewal.

What is the Waiting Period of Aura Death Insurance?

Waiting periods, also known as grace periods, are generally used to protect the financial interests of the insurance company offering the policy. The Waiting Period of Aura Death Insurance is the length of time, measured in months from the date of activation or contracting of the policy, during which certain coverages of the insurance cannot yet be used.

This means that although the policy is active and you are paying premiums, some benefits will only become available after the waiting period has elapsed. This system prevents individuals from purchasing insurance only when immediate use is needed, which could pose a financial risk to the insurer.

If you complete the form above, we will advise you on the best option according to your specific situation and answer all your questions.

What Exclusions Does Aura Death Insurance Have?

To contract Aura Death Insurance, you should know that there are certain limiting factors that may prevent its use. These limitations can apply either before or after signing the contract. In the insurance sector, these are commonly referred to as limitations or exclusions.

Therefore, anyone wishing to take out Aura Death Insurance must be aware that, in addition to the coverages included in the policy, there are also exclusions that prevent full enjoyment of the insurance. It is ideal to carefully read and understand the exclusions of the policy you are considering. This ensures that you can contract the desired insurance and use it without any unexpected problems.

Generally, the coverages of Aura Death Insurance, like those of other insurance companies, exclude deaths caused by: natural disasters, radioactive radiation, nuclear energy, acts of war, terrorist acts, or civil disturbances.

Can I Contract Aura Death Insurance with a Serious Illness?

If you want to contract Aura Death Insurance, it is important to know that there are certain factors that significantly affect eligibility. One of the main factors is the presence of serious medical conditions.

For this reason, it must be clearly stated that it is not possible to contract Aura Death Insurance with a Serious Illness in Spain. Due to the high risk, according to Article 10 of Law 50/1980 of October 8, Insurance Contract Law in Spain, the insurer is released from paying any compensation if the applicant provides false information on the medical questionnaire, omitting any pre-existing serious illness.

Aura Death Insurance can be contracted once the serious illness has been fully overcome without lasting complications. In such cases, prior verification is required. The insurance company will request supporting documents or certifications to confirm that the applicant no longer has the condition.

Insurance Death Aura Spain

Main Coverages Insurance Death Aura Spain