{"id":15644,"date":"2016-03-29T13:00:53","date_gmt":"2016-03-29T11:00:53","guid":{"rendered":"https:\/\/pibgroupiberia.com\/?p=2947"},"modified":"2025-06-03T09:17:38","modified_gmt":"2025-06-03T07:17:38","slug":"usefulness-of-the-register-of-death-cover-insurance-contracts","status":"publish","type":"post","link":"https:\/\/pibgroupiberia.com\/en\/blog\/utilidad-del-registro-de-contratos-de-seguros-de-cobertura-de-fallecimiento\/","title":{"rendered":"Usefulness of the Register of Death Insurance Contracts"},"content":{"rendered":"<p>For several years now, a <strong>Public register <\/strong>The information is collected there by the insurance companies, allowing interested parties to easily check whether the deceased person had a policy in force.<\/p>\n<h2>Why was this Register created?<\/h2>\n<p>It may seem surprising, but:<\/p>\n<blockquote><p>In many cases<strong> accident and life insurances remain uncollected.<\/strong> by its beneficiaries.<\/p><\/blockquote>\n<p>How can this be?  Basically, because nowadays, many bank cards are associated with small accident or life insurance policies, for example.<\/p>\n<p>This <strong>Register of Insurance Contracts for Death Coverage<\/strong> was created thanks to Law 20\/2005, with its regulatory development in 2007, by means of RD 398\/2007. The reason for its creation: that insurance companies enjoyed an enormous benefit from having<a href=\"\/en\/blog\/what-capital-sum-should-i-subscribe-to-my-life-insurance\/\"> underwritten life insurance<\/a> and yet not having to pay the sum insured, as no one was claiming these amounts.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-3615\" src=\"\/wp-content\/uploads\/2016\/03\/registro-fallecimiento-seguro-vida.jpg\" alt=\"Note-taking Register\" width=\"950\" height=\"622\" \/><\/p>\n<h2>How does the Registry work?<\/h2>\n<p>The same <strong>is available for consultation:<\/strong><\/p>\n<ol>\n<li>In life (through briefing notes), or<\/li>\n<li>After the death of the insured person: by filling out the <strong>model 790.<\/strong><\/li>\n<\/ol>\n<p>We will discuss the latter case. There are several <strong>deadlines<\/strong> affecting your application:<\/p>\n<ul>\n<li>15 working days must elapse after the death (by providing death certificate and completed application form)<\/li>\n<li>The Registry has 7 days to reply to the request for information.<\/li>\n<li>5 years the information remains in the Register, after the death of the insured person.<\/li>\n<\/ul>\n<h2>What information does the Register provide?<\/h2>\n<p>Certifies the <strong>number of policies<\/strong> life and\/or accident insurance that the deceased had in force at the time of his death, as well as the <strong>company<\/strong> which guaranteed these amounts.<\/p>\n<p>In this way, the interested party can contact the company and request the payment of the amounts to the insurance beneficiaries.<\/p>\n<p>With regard to the beneficiaries, it is important to note that, depending on who is the person consulting the Registry, the Registry will give one information or another. That is:<\/p>\n<ul>\n<li>if the applicant is a beneficiary, it will tell you which life insurance policies he\/she is the beneficiary of<\/li>\n<li>if you are not a beneficiary, it will only tell you which life insurances are in force, but will not tell you who the beneficiaries are.<\/li>\n<\/ul>\n<h2>By what means can this information be requested?<\/h2>\n<p>These are the means that can be used<\/p>\n<ol>\n<li>in person (at the Territorial Offices of the Ministry of Justice or at the Civil Registries),<\/li>\n<li>on the web: digital certificate required<\/li>\n<li>by ordinary mail.<\/li>\n<\/ol>\n<p>The fact is that the creation of the Register has been a very positive measure, since up to 30% of the applications have a favourable outcome. These are insurances that, in many cases, would not have been charged if this possibility had not existed. The only downside is that there is a cost: almost 4 euros for requesting the information.<\/p>\n<p>If you would like us to offer this type of <strong>consultancy<\/strong>\u00a0in all your insurances, don't hesitate to contact us<strong>. <\/strong>At <strong>PIB Group Iberia\u00a0<a href=\"https:\/\/pibgroupiberia.com\/en\/location\/zaragoza\/life-insurance\/\">your life insurance at the best price<\/a><\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>We explain how the creation of this Register is proving useful for life and accident insurance beneficiaries.<\/p>","protected":false},"author":14,"featured_media":15645,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[16],"tags":[165],"class_list":["post-15644","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-particulares","tag-vida"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts\/15644","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/comments?post=15644"}],"version-history":[{"count":0,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts\/15644\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/media\/15645"}],"wp:attachment":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/media?parent=15644"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/categories?post=15644"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/tags?post=15644"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}