Life insurance in Zaragoza

Why take out your life insurance with us?

What do our customers think?

Life insurance experts in Zaragoza

As insurance brokers, we have many years of experience in life insurance in Zaragoza. We analyze the products of different companies, adapting your policy to your individual and family needs. We guarantee comprehensive coverage that is synonymous with financial support and peace of mind even in the most critical moments.

Protection insurance for your loved ones

When you take out a life insurance policy, you pay an annual premium and decide on a monthly annuity that will be delivered to your beneficiaries in the event of death or disability. This indemnity is a guarantee of peace of mind, because it covers essential expenses for your loved ones, such as mortgages or education.

At PIB Group Iberia we recommend you also include professional disability to secure your future, especially if your work depends on your health. With several years of experience in life insurance, we offer personalized solutions, guaranteeing comprehensive protection for your family.

seguros de vida zaragoza​

Life insurance tailored to your needs

Life insurance allows you, above all, to ensure the economic stability of your loved ones, and at a reasonable cost. The best policies on the market, which we try to offer you at PIB Group Iberia, are flexible, and with them you can choose the coverage you really need according to your personal and professional situation.

When choosing life insurance, you should assess the solvency of each company, since it influences the speed of payment in the event of a claim. In addition, you have to decide the adequate sum insured for your situation. At PIB Group Iberia, as your insurance broker, we do this work for you, making the decision easier.

What does life insurance cover?

Death

In the event of your death for any reason, your money will pass to the heirs or persons you have designated.

Total and permanent disability

If an accident or illness prevents you from continuing with your usual trade or profession but you are still able to perform other work activities, life insurance covers compensation in this form.

Serious diseases

In the event that a serious illness prevents you from working in any type of activity, you will receive financial compensation. This coverage applies when you must retire permanently from the world of work.

Double or triple indemnity for accidents

If the death or total and permanent disability occurs as a result of an accident, the compensation is doubled. And, if the accident is a traffic accident, the compensation can even triple.

(*) The information contained in this page is for information purposes only and does not constitute a binding offer. The definitive terms and conditions of any insurance coverage are detailed exclusively in the specific policy issued. In case of discrepancies, the conditions stipulated in the specific policy shall prevail.

Frequently asked questions about our Zaragoza life insurance service

In many cases! For example:

  • If you have children: It is crucial to have life insurance to guarantee their financial well-being in the event of your death.
  • If you are single or divorced: In case of disability, no one would be able to take care of you and your expenses would increase.
  • If you have a large estate: A life insurance policy will help you to face the Inheritance Tax, since this requires a large amount of liquidity.
  • If you have a mortgage: Life insurance can prevent you from leaving your loved ones in debt. Don’t just accept the bank’s offer: comparing options could result in a significant improvement.
  • If you are self-employed: Social Security benefits are usually much lower than the standard of living you are used to, so life insurance can be essential.

The widow’s or widower’s pension only covers 52% of the Social Security contribution base, and the orphan’s pension only 20% for each child. When losing a salary in the family and considering the grief that this loss entails, life insurance can be a necessary complement to maintain financial stability.

There are several types of life insurance, and when choosing one, you can adjust the guarantees according to your needs:

  • Death Life Insurance: Covers only death.
  • Death and disability life insurance: Includes coverage in case of death or disability.
  • Professional disability insurance: Protects against disability that affects your ability to work.
  • Life insurance with accident clauses: Some policies double or triple the sum insured if death or disability results from an accident or motor vehicle accident.

It is important to assess your particular situation in order to choose the option that best suits your needs, something that PIB Group Iberia can do for you as insurance brokers.

It is insurance linked to a mortgage loan. There are two main types:

  • With variable capital: The insured capital decreases as the loan balance decreases.
  • With fixed capital: The insured capital remains constant, and if the loan balance decreases, the difference goes to your family members.

This type of insurance can be contracted through the bank or an external company, where you may find more favorable conditions. PIB Group Iberia analyzes the products of different insurance companies to find the most favorable coverage for your specific case.

Generally, insurance companies require you to answer a short questionnaire to make sure that you do not have any serious pre-existing conditions. In case any pathology is mentioned in the questionnaire, we can help you negotiate special conditions to avoid exclusion of coverage for that condition.

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We solve all your doubts

Do you have any questions about life insurance in Zaragoza? Complete the form and send us all your questions. The PIB Group Iberia team will answer you as soon as possible.