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You should contact the insurer at that time to request the payment. A death certificate can be obtained from the civil registry. You will need it after notifying the insurer of the death of the insured within a maximum period of seven days from its occurrence, we will see the exceptions later. Gain time to prepare the documentation by getting a prior notification to comply with the deadlines and forms.

It's much easier to do these procedures if you have your own insurance agents behind you.

This is what we can do for you. Our platform will give you help throughout the process, but also throughout the life of your insurance, if you compare and contract through it.

We can talk about a series of usual documents that the insurers usually request to proceed with the insurance payment. Among them, they will ask you something.

The insurer can request a lot of information and documents that can be used to assess whether the payment of compensation is appropriate.

According to Law 50/1980, of October 8, on Insurance Contracts —specifically, in its article 18—, the insurer has up to 40 days from the notification of the accident and the delivery of all the documentation to make the payment of the entire insured amount or, at least, the so-called minimum amount:

The minimum amount that the insurer may owe, if any, must be paid within forty days from the receipt of the claim statement, according to the circumstances known to it.

There are three ways to collect, depending on the life insurance formula we are dealing with: in a single payment (the amount received by the beneficiaries or the insured himself, if it is survival insurance), as an income for life (the life expectancy of the beneficiary is estimated and the capital is divided into monthly installments) or as temporary income (for a few years).

In many cases, the decision on this issue is made by the person who took out the policy. If you take out life insurance through Acierto.com, our experts will be able to help you choose the insurance with the form of payment that best suits your family's needs. They will be able to clarify any aspect of the small print that worries you so that you can contract with the facts.

If we have disability orIPA coverage in our life policy, we have to claim compensation if an incident occurs, and that's a little more complex.

The National Social Security Institute is an official body that must provide the disability resolution document for compensation. When the resolution shows that the disability is reviewable, there is a possibility of an obstacle.

After the presentation of a medical certificate, the insurer will carry out the verification and determination of disability. If there is no agreement between the company and the insured as to whether the disability is permanent or absolute, it will be submitted to medical experts.

In order to get life insurance compensation in the event of permanent and absolute disability, the beneficiaries must submit the following documents.

In the case of death, the insurer must pay within forty days from the receipt of the declaration of the claim or from the date of the contract's end.

If three months go by without payment, it's considered late and the insurer has to pay interest.

If you don't first demonstrate that you are up to date with the corresponding payment of inheritance and gift tax, you won't be allowed to collect death insurance. If we can't pay the inheritance tax, the Autonomous Communities allow a partial self-assessment of the tax for the value of the policy.

If the amount of the assumption of permanent and absolute disability is greater than the amount of compensation, it is best to put the money from the compensation into the Personal Income Tax account. If the person receiving the money is the same as the person who is insured, life insurance is treated differently.

The capital was taxed as a capital asset.

The exception is that the beneficiary is the spouse of a couple. Half would go to personal income tax and the other to inheritance tax. Depending on the community in which we are located, this last tax varies. The beneficiary's age can affect the tax bases.

The life insurance experts at Acierto.com can clarify these doubts. If you decide to contract with us, you can use our call center to get answers to questions that are not clear about the conditions of your insurance. We are completely transparent in this sense.

Unless otherwise stated in the policy, the deadline for reporting a claim is seven days after it's known. In case of noncompliance, the insurer may claim damages.

To collect life insurance for death, the insured needs to give the company all the details of the accident. The right to compensation will be lost in the event of intent or gross negligent behavior.

The company has three months to make the payment according to the Insurance Contract Law. After this time, the insured is entitled to collect annual interest equal to the legal interest of the money in force at the time it is accrued, increasing by 50%. The insurer will be approved by the General Directorate of Insurance and Pension Funds.

It shall be understood that the insurer is in default when it has not complied with its provision within a period of three months from the occurrence of the accident or has not proceeded to pay the minimum amount of what it may owe within forty days from the receipt of the claim. of the declaration of the accident.

It is possible that the deadline for collecting life insurance is not notified to the family because of ignorance or other reasons, even if the family is in control.

The company may be reluctant to give the capital.

If the failure to notify is due to a reason other than negligent or deliberate, it is remediable.

If there is no fraud or bad faith in the fact that the personal injury insurance was not claimed within the prescribed period, then the five year period is still valid. In the case of not knowing that the insured took out life insurance, they found it after death.

To find out about its existence, a person can go to the life insurance registry and request the insurance certificate that was contracted for them.

Extrajudicial claims can interrupt the prescription.

If the insurer is unwilling to pay for life insurance, we recommend that you go to the company's customer service department and make a claim in writing. If you don't get a satisfactory answer, you can appeal to the claims service of the General Directorate of Insurance and Pension Funds. You always have the legal route as a last resort.

Having life insurance that protects our loved ones in the event of death is essential, since we have seen what happened after the Pandemic situation. If you have a family member who has passed away and you are looking for how to collect on life insurance, you probably have noticed.

Maybe it's time to have a policy for you.

There are many types of life insurance, each of which protects you in a different way. We can help you find the best life insurance for you. If you don't have reasons to hire, here are more:

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