Seguro de vida en Bilbao

¿Por qué contratar tu seguro de vida en Bilbao con nosotros?

Dar con seguros de vida en Bilbao que ofrezcan buenas coberturas y precios competitivos no es fácil sin el apoyo de profesionales con experiencia. En PIB Group Iberia ponemos eso a tu disposición: estudiamos las distintas opciones del mercado y te ayudamos a encontrar una póliza personalizada según tus necesidades y presupuesto.
De este modo, si se produce un fallecimiento o una invalidez permanente, tu familia contará con protección. Tus hijos, padres o personas cercanas podrán mantener su nivel de vida, continuar con sus estudios, asumir pagos como la hipoteca o afrontar sus gastos diarios, aunque tú no puedas seguir trabajando o ya no estés.
Te ofrecemos un trato transparente, cercano y totalmente independiente. Desde que eliges tu seguro hasta cualquier trámite o reclamación posterior, estamos a tu lado para que siempre tengas el apoyo de mediadores especializados.

What do our customers think?

4.8

Based on 678 reviews

review us on

Raquel D.

2 months ago

From bad to worse. A disastrous management and a totally hopeless customer service. I had been working with them for a while and the experience so far had been good, but since they changed owners (or name), the service has fallen to absolute rock bottom. It's impossible to manage a insurance company any worse these days. The current situation is bordering on the absurd. The phone service is hopeless: you call and it feels like you are talking to a wall, because they ignore your requests and don't show any signs of life. If you ask for a quote or information about a new insurance policy, they very kindly tell you that they will look into it, but it takes an entire month (or more) and you still get the same thing, with no news or response from their part. The worst part of it all is the phone calls: they assure you over and over that they will call you back as soon as they can, but then no one ever calls you back. When you call again to see what’s going on, you get the same answer and the same pattern of excuses: the person in charge is still unavailable, or they’re on vacation, or they’re out for lunch or some other reason. It feels like there’s never anyone in charge of the business and that they’re ignoring your requests. A tremendous lack of professionalism and an absolute disregard for the customer. It has certainly been a huge disappointment and I don't plan to waste any more time or entrust my policies to them.

Cristina Alloza

3 years ago

We are delighted with Moné Insurance Brokerage. We have been working with them for half our lives and we have always received impeccable service and all our requests have been handled quickly and efficiently. In this case, many thanks to Gonzalo and Víctor for the excellent treatment they have given us.

veronica santos suarez lizarriturri

4 years ago

Seriousness and effectiveness

Juncal L.

4 years ago

I searched for options online for my life insurance and they were the ones who explained the coverage to me the best and really cared about giving advice.

Pili L.

2 weeks ago

Excellent professionals and a great after-sales service after the insurance policies have been taken out.

Rocio R.

2 months ago

I had a problem with the apartment and they acted immediately. I have been with them for almost a year and I have not been disappointed in choosing them as the home insurance for my home.

maite vacas U.

8 months ago

Today I have had an accident and they have been amazing, fast and excellent treatment. Thanks to everyone for the group, especially to Juan for giving me a solution and above all peace of mind.

Esther

9 months ago

Victor is very professional, attentive and approachable. He always makes sure that everything is managed correctly.

Maria P.

2 years ago

A 10 star service, Gonzalo made the arrangements in a fast, attentive and professional way, I recommend him!

Celia Royo B.

2 years ago

If you have any claims, they worry about it until it's perfectly resolved. I only have good opinions about them. They advise you on the best insurance and investment funds.

Especialistas en seguros de vida en Bilbao

En PIB Group Iberia contamos con más de diez años de experiencia ofreciendo seguros de vida en Bilbao ajustados a cada perfil y necesidad. Analizamos las propuestas de distintas compañías aseguradoras y te ayudamos a elegir la alternativa que mejor encaja contigo, con el máximo ahorro y las mejores condiciones posibles.

Un seguro de vida en Bilbao pensado para cada etapa de tu vida

Hay momentos en la vida en los que contar con protección extra marca la diferencia. Un seguro de vida garantiza la tranquilidad de tu familia cuando más lo necesitan, pudiendo adaptar las coberturas y el capital asegurado a tu situación personal.

Además de la cobertura por fallecimiento, es importante valorar opciones como la Invalidity or permanent incapacity, sobre todo en el caso de los autónomos o trabajadores cuya actividad implica cierto riesgo físico. Así, ante un accidente o una situación que te impida seguir trabajando, tendrás apoyo económico.

Contratar un seguro de vida en Bilbao es una decisión útil para proteger a quienes dependen de ti, hacer frente a responsabilidades como préstamos o hipotecas y asegurar una estabilidad financiera ante cualquier circunstancia inesperada.

Creamos soluciones aseguradoras adaptadas a tu vida en Bilbao

En PIB Group Iberia entendemos que cada persona atraviesa circunstancias diferentes y necesita un nivel de protección concreto. Por eso analizamos aspectos como tus ingresos, responsabilidades económicas, situación familiar y objetivos a largo plazo para definir el capital asegurado idóneo en tu momento vital.

También realizamos un seguimiento periódico de tu seguro de vida en Bilbao para adaptarlo a posibles cambios personales o profesionales. De esta forma, garantizamos que tu póliza siga respondiendo a lo que realmente necesitas en cada etapa, evitando que pagues una prima más alta por coberturas innecesarias.

¿Qué cubre nuestro seguro de vida en Bilbao?

Death

Si se produce el fallecimiento del asegurado, los beneficiarios designados recibirán la compensación económica establecida en la póliza. Este capital les permitirá afrontar pagos cotidianos, hipotecas, estudios o gastos relacionados con la fiscalidad de la herencia con mayor tranquilidad.

Incapacidad absoluta y permanente

En el caso de que una enfermedad grave o accidente te imposibiliten desarrollar cualquier actividad laboral de forma definitiva, recibirás una indemnización económica para ayudarte a mantener una estabilidad financiera y cubrir tus necesidades diarias.

Professional incapacity

Si una enfermedad o accidente te impiden continuar ejerciendo tu profesión habitual, el seguro de vida contempla una cobertura específica por incapacidad profesional, incluso aunque puedas dedicarte a otra actividad laboral diferente.

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

Frequently asked questions about our seguros de vida en Bilbao

When is it important to have life insurance?

In many cases! For example:

If you have children: It is crucial to have life insurance to ensure 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 deal with Inheritance Tax, as this requires a large amount of liquidity.
If you have a mortgage: Life insurance can prevent you from leaving debts to your loved ones. 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 often much lower than the standard of living you are used to, so life insurance can be essential.

Why take out life insurance?

Because if you have a large estate and you die unexpectedly, thanks to life insurance your heirs will be able to have financial stability and pay inheritance tax.

What types of life insurance are there?

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

Death Life Insurance: Only covers death.
Death and disability life insurance: Includes cover in the event 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 is the result of an accident or traffic 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 an insurance broker.

What is mortgage life insurance?

This 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 taken out through the bank or through an external company, where you may find more favourable conditions. At PIB Group Iberia we analyse the products of different insurance companies to find the most favourable coverage for your specific case.

How to take out life insurance?

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.

Desde el equipo de PIB Group Iberia nos pondremos en contacto contigo lo antes posible para ayudarte a encontrar la mejor forma de proteger el bienestar y la tranquilidad de tu familia.