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Insurance Death Liberty Spain

Liberty Death Insurance is a company of the Liberty Mutual group that arrived in Spain in 2001. In 2003, it acquired and subsequently merged with Genesis Insurance. From that moment, the Liberty Insurance Group implemented an efficient multichannel marketing method supported by units of brokers, partners, and direct sales. Today it operates three brands — Liberty, Genesis, and Regal — and provides insurance throughout Spain. Liberty Death Insurance has offices located in Madrid, Bilbao, and Barcelona, employing more than 1,100 people. Currently, Liberty Death Insurance still preserves the motto established by its parent company in 1912: “Helping people live safer lives.”

Liberty Insurance Spain has a long-term vision and is fully committed to its policyholders and broker partners in both Life and Non-Life insurance. They prosper together, creating opportunities that provide shared success. Their position of mutual security and Liberty’s unique perspective helps them make optimal decisions. They offer innovative solutions and pursue objectives for the benefit of their partners. They have a true sense of purpose: providing services that help make the world a safer place. Their operations are broad, covering Life, Non-Life, and reinsurance. Additionally, they keep things simple, build strong long-term relationships with their partners, trust themselves to keep their promises, and continuously improve. They also dedicate time to what matters most, strive to innovate, remain open, listen to customer needs, and adapt their solutions.

Liberty Insurance Spain offers a wide range of insurance products and services, including Liberty Life Insurance, Liberty Home Insurance, Liberty Death Insurance, Liberty Auto Insurance, and much more.

Why Take Out Liberty Death Insurance?

With Liberty Death Insurance, you will have the peace of mind knowing that all the benefits it offers will accompany you throughout your life. You and your family will be financially protected against the risks associated with death.

Liberty Burial Insurance is more than a Death policy because it provides advantages throughout your life, such as the formalization of a will. In your country and abroad, you will also have assistance and processing for repatriation cases. Only competent advisors will handle any of your needs or questions.

Furthermore, with multiple plan options available, you can choose the one that suits you best. Liberty Death Insurance provides funeral services adapted to the traditions and customs of your place of residence. Liberty Death Insurance guarantees procedures with public authorities and legal advice related to death. Liberty Insurance Spain offers national and international transfer with benefits tailored to the client’s requirements. It also offers the possibility of creating a notarized open will and advance healthcare directives, including one modification per year.

It is a family policy in which up to 8 insured persons can be included. Additionally, it offers the option to add optional coverages as new needs arise. Premium costs for additional coverages are per contract, which results in a lower overall premium for families.

Conditions to Take Out Liberty Death Insurance Spain

Life is an event—enjoy it without worries. The goal is to provide you and your loved ones the peace of mind you deserve with a Burial Insurance. Therefore, when a proper Death Insurance is selected that covers the costs of our funeral, it will prevent complications for our relatives during those difficult moments. If your choice is Liberty Death Insurance, here is what you should consider to be able to take out the Liberty Death Insurance Policy.

First, you must fill out a Death Insurance application, where you will provide your basic information, and you must also complete a Liberty health questionnaire, indicating any past and current medical conditions. Both documents are provided by Liberty Insurance Spain.

Age is also fundamental. If you are under 70 years old, you can opt for an individual or family insurance policy. For a family policy, you can take it out up to age 75. Depending on your age group, you can choose a Liberty Level Premium Death Insurance, a Natural Premium, or a Mixed Premium. At that time, you will have access to a complete funeral service. However, some Death Insurance providers extend the age limit up to 80 years, and some even allow coverage up to 84 years.

What Documentation Do I Need to Take Out Liberty Death Insurance?

When a loved one passes away and you don’t have the necessary means to cover the funeral, the situation can feel overwhelming. In such cases, Death Insurance is a great solution, offering clients highly beneficial products. With this powerful product, a simple phone call can organize the funeral, taking care of all required procedures for the family. This is extremely important, because without this valuable resource, covering these expenses would be very difficult. Therefore, taking out a Death Insurance policy represents an excellent investment, saving both time and money.

Now, you should know that all insurers require several important documents when taking out Death Insurance. In this case, the required documentation to contract Liberty Death Insurance is as follows:

1. No serious illness before contracting. If you have a serious pathology, you will not be able to take out a Death Insurance policy. Insurers generally do not cover serious pre-existing conditions due to the high risk involved.
2. Policyholder over 18 years old. The person applying for and managing the Death Insurance must be of legal age. For other members to be insured, there are no age restrictions.
3. Full Name. Clearly provide the full name of the person contracting the insurance, as well as all other members to be insured. This prevents complications and delays in organizing the funeral.
4. Photocopy of ID, NIE, or passport of the policyholder. To avoid delays, all documents submitted must be valid. Expired documents will be immediately rejected.
5. Bank account in Spain.
6. Dates of birth of all insured members. Age is determined by the date of birth, allowing the insurer to calculate the insurance premium without complications.
7. Address. Knowing the province of residence is essential for calculating the cost of the Death Insurance.
8. Complete the health questionnaire. Both the policyholder and other members to be included must fill out the health questionnaire. This helps determine if there are any chronic or pre-existing conditions.

What Factors Influence the Price of Liberty Death Insurance?

Death insurance companies, in order to anticipate a possible death, offer their clients excellent products according to their needs. However, to obtain coverage, certain elements that significantly influence the cost of the policy must be taken into account. By knowing these elements, the insurer can assess the risks and calculate the corresponding insurance premium. This procedure is standard across all insurance companies, not just Liberty. Therefore, the information below applies equally to all death insurance providers.

Here are the factors that influence the price of Liberty Death Insurance. We will assist you throughout the process free of charge and without obligation.

1. Coverages: The price of the Death Insurance policy varies according to the coverages you choose. Adding extra coverages increases privileges but also increases the policy price.
2. Dates 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. Additionally, there are different types of Death Insurance depending on age.
3. Place of Residence: The area where you live affects the cost because burial expenses vary by location. Renting or buying a niche in Barcelona is not the same as in Madrid or another region. Therefore, depending on your residence, the price of the Death Insurance policy may vary.
4. Repatriation: The country to which you want to be repatriated, or how far it is, can raise or lower the price. Thus, repatriation is a decisive factor when calculating the policy price.

How Can I Cancel Liberty Death Insurance?

For various reasons and at any time, some people may find themselves in the unfortunate position of needing to cancel their Death Insurance. There are many reasons why this decision might be made. These include having serious issues with the contracted insurance company due to poor service, receiving an attractive offer from another insurer, or experiencing unexpected financial difficulties that make maintaining the policy impossible.

You should also know that, whatever the reason for needing to cancel Death Insurance, there are several ways to do it. Canceling the policy should not be complicated, as it is a very simple procedure. In these cases, the contract for Liberty Death Insurance is for 12 months. However, this applies not only to Liberty Death Insurance but also to all death insurance companies because Spanish burial insurance law states that to cancel Liberty Death Insurance, you must notify your insurance company one month before the annual renewal date of the contract.

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

What is the Waiting Period of Liberty Death Insurance?

Waiting periods were created to protect the financial interests of the insurance company offering a Death Insurance policy. They are periods of time starting from the day the Death Insurance policy becomes active until the insured person is fully covered. Once this period has elapsed, the insured can begin to use the contracted coverages that were restricted during the waiting period.

Accordingly, the waiting period of Liberty Death Insurance can be defined as the span of time, measured in months from the date of activation or contracting of the Liberty Death Insurance policy, after which some of the contracted coverages can 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 Liberty Death Insurance Have?

When a loved one passes away, it is important to remain as calm as possible to face such difficult moments. By taking out a Death Insurance policy, you avoid complex procedures and the high costs involved in organizing a funeral. This is clearly a great benefit for all clients.

Before contracting a Death Insurance policy, you should know that there are many factors that significantly influence this type of contract. Among these limiting factors is a very important one: exclusions.

These exclusions are common in all insurance contracts. By knowing them, we can understand what is not covered under a Death Insurance policy. Accordingly, the coverages of Liberty Death Insurance, like those of other insurers, generally exclude: deaths caused by natural disasters, radioactive radiation, nuclear energy, acts of war, terrorist acts, or riots. Exclusions also include cases where no compensation is due under the insurance contract law, and deaths occurring before the first premium payment.

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

Knowing which factors prevent you from taking out a Death Insurance policy is important. Among these factors are serious illnesses, such as tuberculosis, cancer, leukemia, chronic kidney failure, and many others. Therefore, if you suffer from any of these conditions, it will not be possible to contract Death Insurance in Spain.

Due to the high risk, according to Article 10 of Law 50/1980 of October 8, regarding Death Insurance contracts in Spain, the insurer is exempt from paying any compensation if false information is provided on the medical questionnaire, omitting a pre-existing serious illness.

However, if a person wishing to be insured previously had a serious illness, they may only contract Liberty Death Insurance once the illness has been fully overcome without resulting in serious aftereffects. Their current health condition must be verified beforehand. In such cases, insurers generally request documentation proving that no serious aftereffects remain from the previous illness.

Insurance Death Liberty Spain

Main Coverages Liberty Death Insurance Spain