Get Free Information with No Obligation — We Guarantee the Best Price and Coverage

▷ Death Insurance ⭐

  And Many More…

Insurance Death Plus Ultra Spain

Plus Ultra Decesos is a company that, since 2015, has belonged to the Catalana Occidente Group, a leader in the insurance sector in Spain and in global credit insurance. It has over 125 years of providing service, protection, and support to its clients, offering a wide range of products and services. Plus Ultra Death Insurance makes available to its policyholders a large team of professionals and a comprehensive sales network. There are more than 4,000 brokers and agents distributed across more than 860 offices and agencies throughout the national territory. The Plus Ultra Death Insurance offers an extensive portfolio of products, with a focus on the Life and Non-Life sectors, positioning it among the best in the country.

Following the guidelines of the Group it belongs to, Plus Ultra Decesos defines its strategic purpose based on its long-standing experience. Its goal is to lead the risk protection market and long-term prevention in the family and small to medium-sized business sectors. Likewise, it aims to be the first in commercial risk coverage at an international level. To achieve this, it focuses on its growth objectives: defining the markets it targets, designing the appropriate products and services, and implementing the right distribution channels to reach the client. Constant and sustained profitability is achieved through technical-actuarial rigor, diversified investments, cost reduction, and excellent service. Solvency is prioritized by securing and constantly increasing own resources to finance the Group’s growth and ensure efficient settlement of contractual obligations.

The Plus Ultra Insurance portfolio includes Plus Ultra Life, Plus Ultra Home, Plus Ultra Death Insurance, Plus Ultra Health, Plus Ultra Auto, Plus Ultra Savings Insurance, and much more.

Why Choose Plus Ultra Death Insurance?

In such difficult moments as the loss of a loved one, Plus Ultra Death Insurance is there for you. Its policy covers all arrangements and expenses related to funeral services and also takes care of the legal procedures required after a death.

The Plus Ultra Funeral Insurance is more than just a death policy. It offers various options to adapt to your family situation, including costs for transporting the deceased within Spain to the location of the service. For foreign residents, it provides a specific plan with repatriation coverage. You can choose the premium payment method that suits you best: monthly, quarterly, or semiannual.

If you are over 70 years old, there is a Plus Ultra Death Insurance with a single premium, specially designed for you. So, if you are over 70 and have not previously contracted funeral insurance, this is your opportunity. The funeral services included in Plus Ultra Death Insurance cover: coffin, religious services, wreaths and flowers, burial niches, tombstones, and everything necessary to carry out the funeral. The services can also be adapted to local customs and traditions at the burial site.

Plus Ultra Insurance has agreements with top professionals who provide efficient services and attentive care. The insured amount is revalued and can include a secondary value to cover unforeseen expenses. If the cost of the service is lower than the insured amount, the difference is reimbursed to the beneficiaries. From the moment of subscription to the most specialized funeral service, Plus Ultra Insurance offers meticulous and professional assistance.

Conditions for Contracting Plus Ultra Death Insurance in Spain

Acquiring Plus Ultra Funeral Insurance provides numerous benefits, starting with a comprehensive service that takes care of every detail of the funeral and burial. It also offers cost savings by having extensive funeral coverage. If you have chosen Plus Ultra Death Insurance, here’s what you need to consider when contracting the policy.

To subscribe, you must meet certain conditions, which any insurance company will require. One of the key steps is carefully completing the death insurance application as well as the health questionnaire provided by Plus Ultra Insurance Spain. These are important because the insurer will base its recommendation on your age, health status, and some personal and/or family information to suggest the best coverage.

Applicants under 68 years old, depending on their age range, can choose between level premium, natural premium, or mixed premium Plus Ultra death insurance. This age limit may extend to 75 years for family policies, meaning more than one person is covered under the same plan. Applicants over 70 years old (or 75, depending on the case) are eligible for level premium death insurance. However, some insurers, with a medical report confirming recovery from an illness, may allow other types of coverage, extending the age limit up to 80 years. Some death insurance providers even extend eligibility up to 84 years.

What Documentation Do I Need to Contract Plus Ultra Death Insurance?

When a family member passes away, many people often do not know what to do because they lack the financial resources to cover a funeral. In these difficult situations, death insurance policies provide a significant benefit. With just a phone call, the family can work with the insurer to handle all necessary procedures for organizing a funeral. Having a death insurance policy is therefore a valuable resource, ensuring that no complications arise during such challenging times.

If you wish to contract a death insurance policy, it is important to know that the procedure is similar across all insurance companies, and some documents are required before processing the desired insurance. For Plus Ultra Death Insurance, the necessary documentation includes:

1. Policyholder over 18 years old: To contract a death insurance policy, the policyholder must be of legal age. There are no age restrictions for other family members included in the policy; they can be of any age.
2. Full name: Providing the full name of the policyholder and all other insured individuals is essential. This avoids complications when a claim is made after a death occurs.
3. Copy of ID (DNI), NIE, or passport of the policyholder: All documents must be valid to ensure smooth processing and contracting of the insurance.
4. Bank account in Spain: Required for premium payments.
5. Date of birth of all insured individuals: This information allows the insurer to calculate the insurance premium accurately.
6. Residential address: The policyholder’s address is important, as part of the insurance cost is determined by the province in which the insured resides.
7. Health questionnaire: Completing the health questionnaire helps determine any preexisting or chronic conditions among the insured members. It is important to fill out this form before contracting the policy.
8. No serious illness prior to contracting: If any insured person suffers from a serious pathology, insurance companies typically do not cover them to avoid high risks. Therefore, by general regulations, those with severe illnesses may not be able to contract a death insurance policy.

What Factors Influence the Price of Plus Ultra Death Insurance?

Depending on the needs and requirements of each client, when the death of a loved one occurs, insurance companies typically offer excellent death insurance policies. To determine the cost of the required death insurance, several elements must be considered. Once these limiting factors of the insured persons are clear, the insurer can evaluate all risks and calculate the policy premium. This process is the same across all insurance companies, not just Plus Ultra. Therefore, the following information applies to all death insurance providers.

Here are the main factors that influence the price of Plus Ultra Death Insurance:

1. Date of birth (Age): Age significantly affects the cost of death insurance, similar to health insurance. The older the insured, the higher the risk assumed by the insurance company. There are also specific products depending on age. For example, for individuals over 65, a single-premium Plus Ultra death insurance is commonly contracted. This product provides significant value for older adults.
2. Place of residence: The location affects the price because funeral costs vary by region. For instance, renting or buying a burial niche in Barcelona is not the same as in Madrid or another area. Therefore, the insured’s residence can influence the cost of the policy.
3. Repatriation: If repatriation is required, the country or distance involved can increase or decrease the policy price. Repatriation is a decisive factor when calculating the cost of the insurance.
4. Coverage: The policy price varies depending on the coverages you select or additional benefits you include. While extra coverages provide more privileges and protection, they also increase the total cost of the policy.

How Can I Cancel My Plus Ultra Death Insurance?

At any time and for various reasons, some people may need to cancel their death insurance policy. There are many reasons for this, such as receiving poor service from the insurance company, finding a more attractive offer from a competitor, or facing financial difficulties that make maintaining the policy challenging.

If any of these or other reasons apply, it is important to know that there are several ways to cancel the policy. The process is simple, so even during such a difficult decision, there should be no complications.

In these cases, a Plus Ultra death insurance contract is valid for 12 months, but this rule is not exclusive to Plus Ultra. All death insurance companies follow the same law in Spain, which states that to cancel a death insurance policy, you must notify the company one month before the policy’s annual renewal date.

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

What Is the Waiting Period for Plus Ultra Death Insurance?

The waiting period refers to the lapse of time established from the day the death insurance policy becomes active until the day the insured policyholder has access to certain coverage. This period is designed to protect the financial interests of the insurance company offering the death insurance.

Accordingly, the waiting period for Plus Ultra Death Insurance is defined as the number of months from the policy activation or subscription date during which some of the contracted coverages cannot yet 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 Plus Ultra Death Insurance?

In the event of the death of a loved one, one of the most difficult things is finding peace and rest. Additionally, managing a funeral during such a painful time can be very complicated. By having a death insurance policy, you avoid serious headaches and the complex procedures that inevitably must be carried out. It also protects you from the high costs associated with arranging a funeral.

However, before taking out a death insurance policy, it’s important to know that there are certain factors that significantly affect coverage, including exclusions, which are common in all insurance contracts. It’s best to know these so you understand what the policy does not cover.

The guarantees of Plus Ultra death insurance, like those of other insurers, usually exclude: Deaths caused by natural disasters. Deaths caused by radioactive radiation or nuclear energy. Deaths resulting from war, acts of terrorism, or civil disturbances. Situations that do not entitle compensation under the insurance contract law. Deaths that occur before the first premium has been paid.

Can I Take Out Plus Ultra Death Insurance with a Serious Illness?

Knowing what factors limit the contracting of a death insurance policy is very important. Among these limiting factors are serious illnesses, such as cancer, leukemia, chronic kidney failure, tuberculosis, and many others. Therefore, if you suffer from any of these, it will not be possible to contract a death insurance policy 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 in the medical questionnaire about the insured’s health, omitting a serious pre-existing condition.

However, a person who has had a serious illness may be able to contract Plus Ultra death insurance only if they have fully recovered from the illness and do not have severe residual effects. It is important to verify the actual health condition of the prospective client before signing the contract. For this purpose, insurance companies may request documentation or medical evidence confirming that no severe sequelae remain from a past serious illness.

Insurance Death Plus Ultra Spain

Main Coverages of Insurance Death Plus Ultra Spain