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Insurance Death Reale Spain

Reale Death Insurance is a company of Reale Mutua Assicurazioni, which is one of the most prestigious companies in the European insurance sector and the most important Italian mutual insurer. Reale Death Insurance has been present in Spain since 1988 and from the beginning has maintained a constant pace of growth. It has strengthened its presence in the Spanish market, expanding to more than 50 provincial capitals, with around 3,000 agents and over 300 offices. Reale Death Insurance embraces the mission established by its parent group in Spain, prioritizing the policyholder/member. From this mission stem its policies, codes of conduct, and operational rules that aim to preserve the quality and trust in its services.

The corporate culture of Reale Seguros España is based on observing and following shared values and principles. These rules govern interactions among employees, insured members or clients, brokers, and other stakeholders. Integrity, innovation, cohesion, and personal centrality are the values that define it. One of its strategic activities is to ensure the longevity of the insurer, achieving lasting benefits for the satisfaction of its clients and intermediaries. Likewise, it aims to generate employment and wealth that contribute to the development of its employees and society in general, while preserving the environment.

Reale Spain offers a very broad portfolio covering insurance for individuals such as Reale Life, Reale Home, Reale Death Insurance, Reale Car, Reale Motorcycles, and much more. Similarly, it offers insurance for companies, SMEs, and freelancers, such as commerce and office insurance, group life, property and assets, accident agreements, goods transportation, and others.

Why Hire Reale Death Insurance?

With Reale Death Insurance, you gain the peace of mind your family deserves. Reale Seguros offers two options so you can choose the one that best suits your personal situation: Reale Contigo Básica and Reale Contigo Completa.

Reale Contigo Básica provides everything necessary at an affordable price. It covers burial expenses, assistance to individuals, burial costs for children under 30 days old, travel assistance, and support for the deceased’s companions. It also includes document processing, telephone legal advice on inheritances and wills, and psychological support for family members.

Reale Contigo Completa, in addition to the benefits of the basic policy, complements the options with guarantees such as personal accidents and extended travel assistance. It also includes guidance and support for dependency.

Reale Burial Insurance is more than a death policy, as with this excellent insurance you will have protection for expenses related to the insured’s death. It includes processing and handling of all procedures related to this circumstance: certificate of last wills, death certificate, and others. Reale Death Insurance offers a series of packages with excellent benefits that you can choose and hire at the best price. Therefore, if you have not yet been able to hire burial insurance, this is the perfect moment.

Reale Death Insurance is a solid and financially stable company that guarantees the payment of its indemnity obligations quickly, efficiently, and timely. Furthermore, Reale Death Insurance will handle all procedures and transfers both in Spain and anywhere in the world in case of a death. In short, Reale Spain offers significant benefits for its clients.

Conditions to Hire Reale Spain Death Insurance

Our personal and family environment is essential when selecting the Burial Insurance offered by Reale Seguros. We must choose the burial insurance that best fits our lifestyle and offers the greatest advantages for when the time comes. Therefore, if you have chosen Reale Death Insurance, we will indicate below the conditions you must meet to hire the Reale death insurance policy.

First of all, you must obtain and complete a death insurance application form. Likewise, you must complete a health questionnaire, which will be provided by Reale Seguros Spain. We advise you to be completely honest in both forms, as the validity of the insurance contract you acquire will depend on their truthfulness. So take your time to ensure nothing is omitted.

If you are within the age range of 18 to 65 years and are healthy, we recommend that you choose one of these insurance options: natural premium insurance, Reale level premium death insurance, or mixed premium insurance. Likewise, it is important to know that there are death insurance companies that extend the age limit up to 80 years.

What Documentation Do I Need to Hire Reale Death Insurance?

Death insurance allows the insured, through a single phone call, to organize everything related to a burial. Something that, in such difficult moments, like the death of any family member, is hard to handle. Organizing a burial affects a family economically and bureaucratically. Therefore, by hiring it, time and money are saved, avoiding headaches when we must take care of a close family member’s funeral.

Generally, in the insurance field, certain documentation is required when you want to hire death insurance. Here we will explain what is needed if you do not know, and we will assist you if you wish. Usually, all death insurance companies will request the same information when acquiring a death insurance policy. Therefore, the documentation necessary to hire Reale Death Insurance would be:

1. Policyholder over 18 years old. The policyholder must be of legal age to hire the policy. Other members to be included can be any age.
2. Full Name. It is necessary to know these details of the people to be included in the policy. This allows easy identification of the persons when they are attended to and listed in the policy.
3. Photocopy of DNI, NIE, or Passport of the policyholder. It is important that any of these documents are valid. They cannot be expired at the time of policy contracting.
4. Bank account in Spain.
5. Birth dates of all insured members. It is necessary to know the birth dates because, depending on the age of all insured members, the price of the policy will be determined.
6. Address. The address is essential, since depending on the province where you live, the policy will have a different price.
7. Complete the Health Questionnaire. By completing the health questionnaire, it will be possible to determine if there is any pre-existing illness. It must be filled out as honestly as possible.
8. Not suffer from any serious illness before hiring. This is very important because serious illnesses are not covered in death insurance policies.

What Factors Influence the Price of Reale Death Insurance?

Death insurance, like any other type of insurance, usually offers a series of rates through which it is possible to hire the policy that best suits the person. However, these offered rates are mostly informative. We say this because when trying to adapt a death insurance policy according to each user, certain factors must be considered. This is because the insurance company must take these aspects into account in order to quantify the risk and calculate the premium. Generally, this does not only apply to Reale, as it applies to all insurers. Therefore, the information we provide below is the same for all death insurance providers.

Therefore, if you wish to hire death insurance, you should know that not all policies have the same price, since there are some factors that determine the cost. There are several factors that influence the price of Reale Death Insurance, and we will assist you throughout the process free of charge and with no obligation.

1. Birth Dates: Age, as in health insurance, influences the price of death insurance. The older the age, the greater the risk assumed by the insurance company. Therefore, there is always a death insurance policy adapted to each insured person. When hiring Reale Death Insurance, the best coverage is offered to each member to be insured, always taking age into account when calculating the insurance cost.
2. Area of Residence: The area of residence matters because a burial and the associated costs do not cost the same in all locations. It is not the same to rent or buy a burial niche in Barcelona as in Madrid or another area. Therefore, depending on where you live, the price of death insurance may vary.
3. Repatriation: It depends on the country to which you want to be repatriated or how far away it is, which can increase or decrease the price. Therefore, repatriation is a decisive factor when calculating the policy price.
4. Coverage: The price of the death insurance policy varies according to the coverages you hire, as well as if you hire additional coverages. That is why, when contracting extra coverage, you will have better benefits, but the policy will have a higher price.

How Can I Cancel Reale Death Insurance?

It is likely that, after paying for a death insurance policy for years, you may find yourself in a situation where you want to cancel it. This is perhaps a difficult decision that can arise for various reasons. These may include the insured person experiencing a precarious financial situation that prevents them from continuing to pay the premiums. There may also be a change of opinion or some dissatisfaction with the insurance company. It is also possible that the policy is canceled because a better offer has been received from a competing insurer. In short, there are several reasons why a death insurance policy may be canceled.

However, when you no longer wish to maintain a death insurance policy, there are generally several ways to cancel it. Therefore, canceling a death insurance policy is a much simpler procedure than one might think. In this case, the contract for Reale Death Insurance is for 12 months, but this is not only applicable to Reale Death Insurance; all death insurance companies are the same because the burial insurance law in Spain indicates that to cancel Reale Death Insurance, you must notify your company 1 month before the end of the policy year. Example: If your Reale death insurance policy or a policy from another death 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 for Reale Death Insurance?

The waiting period is that period of time established from the day the policy goes into effect until the day the person holding the insurance can access a specific guarantee and begin to enjoy the coverages of the death insurance that has been contracted. In these cases, the waiting period affects certain coverages, which cannot be enjoyed immediately after signing the contract. This is done in order to protect the economic interests of the insurance company with which the death insurance policy has been contracted.

Thus, in the case of the waiting period for Reale Death Insurance, it is the length of time, measured in months from the start or contracting date of the Reale death insurance policy, during which (x) time must pass before some of the contracted coverages of the insurance can 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 Reale Death Insurance Have?

The purpose of people seeking to hire death insurance is to prevent their family from having to face the costs involved in a death. Likewise, it seeks to avoid all the administrative bureaucracy that such cumbersome procedures entail. However, before obtaining a death insurance policy, it is important to consider some details, among which are the exclusions.

Therefore, anyone who wishes to hire a death insurance policy must be aware not only of the guarantees they contract but also of what is not included. This is so that there are no doubts at the time of contracting and to know how much the insurance covers and how much it does not. In the case of Reale Death Insurance guarantees, as in other insurers, they usually exclude deaths caused by natural disasters, radioactive radiation, nuclear energy, acts of war, terrorist acts, or riots. Also excluded are those that do not give rise to any type of compensation according to the Insurance Contract Law, and deaths that occur before the payment of the first installment or premium.

Can I Hire Reale Death Insurance with a Serious Illness?

When hiring death insurance, some fundamental factors must be taken into account that will determine whether the policy can be contracted, including whether the person and the insured have serious illnesses. Serious illnesses, in most cases, are considered potentially life-threatening. Among these serious illnesses are any type of cancer, heart problems such as myocardial infarction, among others. These are diseases that are difficult to heal and, in most cases, have a fatal outcome for the affected person.

However, unfortunately, it is not possible to hire death insurance with a serious illness in Spain. Due to the high risk, according to 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 if false information is provided in the medical questionnaire about the insured’s health, omitting any pre-existing serious illness. However, if a person has had a serious illness, they can hire Reale Death Insurance once the illness has been overcome without serious sequelae. This must be verified in advance.

Insurance Death Reale Spain

Main Coverages of Insurance Death Reale Spain