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Insurance Death Fiatc Spain

Fiatc Death Insurance is a mutual association that began its operations in 1930 in Catalonia. Its purpose was to face the accidents of Catalan truck drivers. In its process of evolution and development, Fiatc Death Insurance went through different stages. Thus, during the 1960s it oriented its management towards automobile insurance. By the 1980s, already with its activity consolidated, it undertook the creation of new products and reinforced its commercial structure. At the beginning of the new millennium, specifically in 2005, it undertook corporate growth with the acquisition of other insurance companies. It also invested in the residential services sector for the elderly and in life policies. Currently, Fiatc Death Insurance is considered one of the best in Spain.

Fiatc Insurance Spain is a company whose mission is to improve the satisfaction and standard of living of its insured through excellently designed insurance. These products are marketed by specialized personnel and with individualized attention. The activities of Fiatc Mutual Insurance and Reinsurance are regulated through two fundamental codes, the ethical code and the supplier ethical code. Both gather the precepts, ethical responsibilities, and values of the Fiatc Group: Solidarity; Physical and moral Integrity; Equality; Information and Training; Tolerance; Honesty; Transparency; Confidentiality; Cordiality and Attention. To evaluate compliance with these codes, it has implemented an ethical mailbox that allows reporting any non-compliance, both internal and by third parties.

Fiatc Mutual Insurance and Reinsurance provides its services through offices across the national territory. It has a team of more than 800 workers and a wide network of mediators that guarantee excellent customer service. Fiatc Spain has a wide insurance portfolio that includes products such as: Fiatc Life, Fiatc Home, Fiatc Death, Fiatc Health, Fiatc Dental, Fiatc Travel, Fiatc Autos, and much more.

Why Contract the Fiatc Death Insurance?

With the Fiatc Death Insurance, the family members of the insured do not have to make any payment. The insurance will cover the burial costs and will offer individualized service in a difficult moment.

The Fiatc Burial Insurance is much more than a Death Policy, as it provides a funeral service of excellent quality that allows the family members of the deceased to not worry about funeral services. It includes the management of the burial and all aspects related to the passing. It provides legal advice and protection; its professional team advises and manages any legal matter related to the death, such as inheritance. It includes the transfer of the deceased, both between Spanish localities and in case of international repatriation. It allows the creation of an online living will. With the digital life final management service, the insured takes care of closing the deceased’s accounts and social media. It offers the option to include repatriation insurance.

Fiatc Death Insurance offers a Single Premium policy for people under 70 years of age. Therefore, if you are under that age and do not yet have Burial Insurance, now is the time. This insurance provides burial services: the coffin, preparation of the deceased, the funeral home, and the interment are some of the most important. Fiatc Death Insurance handles everything so that family members do not face difficulties in this painful situation. Likewise, Fiatc Death Insurance offers legal, juridical, and administrative advice, as well as contract review and drafting, among other services. Fiatc Insurance Spain takes care of drafting the will, which includes legalization costs at the insured’s home if necessary, and an annual modification. In addition, it offers management of the closure of the deceased’s accounts, blogs, social media, etc.

Conditions to Contract the Fiatc Spain Death Insurance

The Fiatc Burial Insurance provides peace of mind on the occasion a family member passes away. The Fiatc Burial Insurance, in addition to covering funeral expenses, offers assistance in providing services and help with necessary procedures after the passing. Therefore, if your choice has been the Fiatc Death Insurance, we will tell you what you must consider to contract the Fiatc Death Policy.

Contracting it is simple, but it is necessary to be aware of the conditions required by Fiatc Insurance for its acquisition. First, you must fill out a Fiatc Death Insurance Application Form and the Fiatc Health Questionnaire, either virtually or physically, which Fiatc Death Insurance will provide. These will include, in addition to the applicant’s basic information, their date of birth and health status. With this information, life expectancy will be calculated, and therefore which insurance modality is most convenient for their personal situation.

• In general, a person under 70 years old can contract a Fiatc level premium death insurance, a natural (or annual) premium, or even a mixed premium.
• Likewise, if the person is between 70 and 75 years old, they can contract a level premium, a natural (or annual) premium, or a mixed premium. But for this, they must include another person in the death insurance.
• People over 70 years old who insure themselves alone can only obtain a single premium insurance. The same applies to those who, even when included with another person, are over 75 years old.

However, in the market, there are death insurance companies that extend the age limit up to 80 years, as well as some other death insurance companies that allow inclusion up to 84 years.

What documentation do I need to contract the Fiatc Death Insurance?

With just a simple phone call, death insurance makes it easy for the client to organize everything related to a burial. Therefore, in those terrible and painful moments, when the passing of any insured family member occurs, it is highly valuable. This is undoubtedly very important, as organizing a burial on one’s own is very complicated. Likewise, not having a death insurance affects the family of the deceased both bureaucratically and financially. Thus, contracting a death insurance generates a substantial saving in time and money.

When one wants to contract a death insurance policy, insurance companies generally require certain documents. Therefore, we will help you and tell you what documents you need. Generally, all death insurance companies will request the same information when acquiring a policy. The necessary documentation to contract the Fiatc Death Insurance is as follows:

1. Not suffer from any serious illness before contracting. If you wish to contract a policy and do not suffer from serious illnesses, you are eligible to contract it. Otherwise, it will not be possible, as these conditions are not covered in death insurance policies.
2. Policyholder over 18 years old. The person who will contract a death insurance must be an adult, which is important. As for the other members to be included in the insurance, there is no problem, as there are no restrictions for them.
3. First and last names. Having these data allows for easy identification of the people included in the contract. This makes it possible to locate them quickly and easily in the policy, allowing the burial to be managed without delays or obstacles.
4. Photocopy of National Identity Document, Foreigner Identity Number, or Passport of the policyholder. These documents, part of the required documents, must not be expired at the time of contracting the policy. Therefore, these documents must be fully valid.
5. Bank account in Spain.
6. Dates of birth of all insured. One of the factors to consider when subscribing to a contract is age. This is because the age of each insured person determines, to some extent, the cost of the policy. Therefore, it is essential to know the birthdates of each member to be insured.
7. Address. The address is another vital element when contracting a policy. This is because, depending on the province where the insured lives, the policy value can be calculated.
8. Fill out the health questionnaire. When contracting a death insurance, the health questionnaire must be completed honestly. This will allow determination of whether the future insured members have any chronic or pre-existing conditions.

What factors influence the price of the Fiatc Death Insurance?

A death insurance is a versatile product that offers a series of coverages with various attractive rates for the client. This allows selecting and contracting the most suitable insurance. Now then, these rates, besides being indicative, are mostly guidelines for the client at the moment the insurance company offers a death insurance policy. In general, when designing a death insurance policy for each particular client, insurance companies consider some elements that significantly affect the cost of the policy. In this way, the insurer can assess the risk and proceed to calculate the premium of the chosen insurance. Now then, this does not only apply to Fiatc, as the information provided below is equally valid for all death insurance companies.

It must be clear that not all policies have the same cost at the moment of contracting a death insurance. This is because, as indicated, there are certain factors that significantly influence the cost of the insurance. Below, we will tell you which factors influence the price of the Fiatc Death Insurance, helping you through the entire process free of charge and without obligation.

1. Coverages: The price of the death insurance policy varies according to the coverages you contract, or if you contract additional coverages. Therefore, when contracting extra coverages you will have better privileges, but the policy will have a higher price.
2. Dates of birth: Age, as in medical insurance, influences the price of death insurance. The more advanced the age, the greater the risk assumed by the insurance company. Additionally, there is a type of death insurance according to your age. For example, for people over 65 years old, it is usual to contract the Fiatc single premium death insurance. This is a product of great value for these older people.
3. Area of residence: The area of residence influences the cost because a burial and the expenses involved do not cost the same in all locations. It is not the same to rent or buy a niche in Barcelona as in Madrid or another area. Therefore, depending on where the insured lives, the price of the death insurance may vary.
4. Repatriation: It depends on the country to which you wish to be repatriated and how far it is, which can increase or decrease the price. Therefore, repatriation is a decisive factor when calculating the policy price.

How can I cancel the Fiatc Death Insurance?

For many reasons and on several occasions, people who have a death insurance, after paying for these services for a long time, find themselves needing to cancel it. Something that, perhaps, is a very difficult decision to make.

Among these reasons, we have that the insured person has a difficult economic situation. It is also possible that they feel some dissatisfaction with the insurance company with which they contracted the service regarding its services. Additionally, it is likely that they cancel the insurance motivated by having received a better proposal from a competing insurance company.

Now then, if your desire is to cancel a death insurance policy, you must know that there are many ways to do it. Therefore, paying for a death insurance is a fairly simple procedure. In this case, the Fiatc Death Insurance contract is for 12 months, but this is not only applicable to Fiatc Death Insurance; all death insurance companies are the same because the burial insurance law in Spain indicates that to cancel the Fiatc Death Insurance, you must notify your company 1 month before the year of contracting is completed. Example: if your Fiatc Death Policy or that of another death insurance company ends on December 31, you must communicate to the insurance company your decision not to renew before November 30.

What is the waiting period of the Fiatc Death Insurance?

When we talk about the waiting period in a death insurance, we refer to that period of time established from the day the policy becomes effective to the day the policyholder has a certain guarantee. Therefore, from that moment, they begin to enjoy the coverages of the death insurance they have contracted. In these cases, the waiting period affects some coverages, which cannot be used immediately after the contract has been subscribed. This is in order to protect the economic interests of the contracting insurance company.

Therefore, in the specific case of the waiting period of the Fiatc Death Insurance, we can define the waiting period as the period of time, counted in months from the date of registration or contracting of the Fiatc Death Insurance policy, during (x) time before some of the contracted coverages of the insurance can start to be used. If you fill out the form above, we will advise you on the best option according to your specific case and answer all your questions.

What exclusions does the Fiatc Death Insurance have?

When deciding to contract a death insurance, we seek to avoid our family group having to face the very high costs involved in organizing a burial. Likewise, we seek to avoid those cumbersome and bureaucratic procedures that a burial entails. Therefore, before obtaining a death insurance, it is ideal to take into account those details that significantly influence the contracting. One of these is of utmost importance: the exclusions in a death insurance.

Therefore, any person who wants to contract a death insurance must take into account, in addition to the coverages they want to contract, also what cannot be included in the policy. By understanding all this, there should be no doubt when obtaining a death insurance policy. Well, in the case of coverages in Fiatc Death Insurance, as in other insurance companies, they usually exclude deaths caused by natural catastrophes, radioactive radiation, nuclear energy, acts of war, terrorist acts, or riots. There are also exclusions that do not give rise to any type of compensation according to the insurance contract law, and those corresponding to deaths occurring before the payment of the first installment or premium.

Can I contract the Fiatc Death Insurance with a serious illness?

As mentioned, death insurances are not all the same, as they have various coverages and prices. Therefore, before obtaining a death insurance, it is essential to know which elements may allow or prevent its contracting. Thus, it is of vital importance for the insurance company to know if the persons and members to be insured suffer from serious illnesses. Among these serious illnesses are cancer, myocardial infarction, and many others, which due to their condition, are difficult to cure. In most cases, they end up taking the lives of the insured.

Due to this, unfortunately, it is not possible to contract a death insurance with a serious illness in Spain. Due to the high risk, according to the law, Article 10 of Law 50/1980, of October 8, on the Death Insurance Contract in Spain, the insurance company will be exempt from paying any compensation in case false data is provided in the medical questionnaire about the health condition, thus omitting any pre-existing serious illness. Now then, if you have a serious illness, it is possible to contract the Fiatc Death Insurance once the illness has been overcome without serious sequelae. However, this must be verified in advance. In these cases, the insurance company may request certain documents that certify that no serious condition exists, all at the time of contracting the death insurance policy.

Insurance Death Fiatc Spain

Main Coverages Insurance Death Fiatc Spain