0
0
The protection of our loved ones and ourselves is the main objective for hiring a life insurance policy. If you are a woman, whatever your personal situation, this product may be an option to protect your future and that of the people you love. . From one day to the next life can change and it is important to always be prepared. We tell you what it is and what life insurance for women usually covers.
Life insurance for women in Spain
Currently in Spain, in addition to traditional life insurance, specific products are created , such as policies for women, which try to cover more particular needs. The objective of this type of policy is to cover certain objectives that most women have, in order to give them the protection they really need, whatever their personal situation.
It must be remembered that the age to contract this product is usually between 18 to 64 and that before contracting it, the company will carry out a health questionnaire. By assessing the responses, companies will measure risk. With these data, the price of the premium will be calculated.
What is covered by women’s life insurance?
Generally, specific life insurance for women , in addition to death and permanent disability, usually cover other guarantees and offer additional services related to diseases that they may suffer. The most common example is female cancer.
Keep in mind that these insurances allow you to contract a much smaller capital than a traditional one. This is because the risk of a woman suffering from these pathologies is high. It is likely that if you want to protect your family and have these health guarantees, it is more convenient to take out family life insurance such as Getlife and apart from health insurance that covers prevention and the risk of suffering from these pathologies.
Life insurance for women and cancer
Specific policies for women usually cover:
- Diagnosis of female cancer (mainly breast cancer): In the event that this type of cancer is detected while the policy is active, the contracted insured capital may be collected. The capital in these cases is usually between €20,000 and €60,000 .
- Death : Some companies offer to insure a higher capital for this guarantee.
- Permanent and absolute disability : some companies offer to insure a higher capital for this guarantee.
In addition, the policies usually offer other services for the prevention and follow-up of breast cancer . Some diagnostic tests that are usually included in this service are: Gynecological cytology, transvaginal or abdominal ultrasound, Mammography, breast ultrasound.
Life insurance for working women
Trying to raise a family can be complicated. Not only should you think about the present needs of your home, but you also have to contemplate what may happen in the future. In the event that you are no longer here to protect your relatives and you cannot bring an income home, extra financial support for them can be of great help.
Whether due to death or disability, it will be possible for the compensation to cover your debts, if you had one, the payment of the mortgage, the expenses of your relatives or your own.That money can be used for whatever purpose you want .
Also, in the case of permanent disability, although you may be entitled to collect from Social Security or the mutual, it is likely that this amount will not be enough to cover all your needs, and with the insurance you can complement it.
