Article Index
- 1The best life insurance according to the OCU
- 2 For the OCU, which life insurance company is the best?
- 2.1 ASISA
- 2.1.1 Asisa Life Tranquility
- 2.1.2 Asisa Woman
- 2.1.3 Asisa Accidents Commitment
- 2.2 ZURICH
- 2.2.1 Zurich Clinic
- 2.2.2 Classic Life
- 2.2.3 Life Mortgage or Loan
- 2.3 SANTALUCIA
- 2.4 PlanVida General y Single
- 2.5 PlanVida Women Plus
- 2.1 ASISA
- 3 Reasons to take out life insurance according to the OCU
- 4 What life insurance does the OCU recommend?
- 4.1 Best type of life insurance according to the OCU
- 5Life insurance according to the OCU: opinions
- 6 Best life insurance in 2022 according to the OCU
The best life insurance according to the OCU
The OCU points out that the best life insurance is the one that perfectly adapts to the client's needs , fundamentally based on the financial situation not only of the insured, but of the entire family unit.
The first thing the OCU recommends is to meticulously calculate the necessary insured capital . To do this, he recommends several measures that we can apply very easily.
On the one hand, it is essential to take into account the annual expenses of the insured's family, including any outstanding debt, especially the mortgage loan. In addition, it is highly advisable to analyze the financial income of each family member. In this way we can accurately estimate the financial dependence and vulnerability factors of the insured. Optional coverages.
Although a simple formula to set the insured capital is to multiply the annual income by 5 , it is only a generic estimate. Under this method, other fundamental considerations can be left aside. Suppose, for example, a marriage with children. In this case, we are not only interested in ensuring that the capital serves to guarantee the standard of living of the beneficiaries. It is also essential to be able to guarantee the children's university studies or to be able to pay off a bank loan that could choke the family finances at the most delicate moment.
Finally, the OCU highlights that a decisive factor in purchasing the
For OCU, which life insurance company is the best?
As we have seen, for the OCU, good life insurance has to adapt to each client, offering personalized insurance that fits perfectly to each particular client. Under this standard, there are three life insurers that are worth highlighting.
ASISA
Asisa is the leading healthcare company and at Seguratis we confirm that they offer the best policies on the market at an unbeatable price. Asisa Vida insurance offers a policy that covers death from any cause from only 30 euros per year, also allowing you to contract coverage such as Absolute Permanent Disability . The company's more than 50 years of experience culminate in the three types of living arrangements that the client can contract.
Asisa Life Tranquility
This Asisa life insurance offers a multitude of optional complementary guarantees, and you can contract up to triple coverage for death and disability. In addition, it can be contracted from only 30 euros per year , making it one of the most attractive life insurance policies.
Asisa Woman
If you are a woman, this insurance is more than recommended, since it includes compensation of up to €30,000 in case of gynecological cancer , in addition to offering all the coverage provided by the Asisa Vida Tranquilidad insurance.
Asisa Accidents Commitment
The notable thing about this life insurance is that it has a single premium for all ages, with a price of €39 per year.
ZURICH
One of the strong points of Zurich is the convenience it offers to the customer. We highlight the digital modality that facilitates access and management of insurance for the policyholder and insured. We find several types of life insurance in Zurich.
Zurich Clinic
It is 100% online life insurance that, however, offers all the necessary coverage for the insured, such as death and permanent and absolute disability. All this with a single click and from only 113 euros per year.
Classic Life
This life insurance has a very complete repertoire of complementary coverage, among which the following stand out: online will, digital end of life, telephone advice and medical-nutritional guidance.
Life Mortgage or Loan
It mainly serves to cover the settlement of the bank debt of a mortgage or loan, ensuring that loved ones do not take responsibility for it.
SAINT LUCIA
Santalucía is another recommended company, since it has many modalities to completely adapt to the client.
PlanVida General y Single
With an affordable price and without the need for a medical examination, as well as freedom of choice in the payment method, this insurance stands out for its quality-price ratio.
PlanVida Women Plus
This insurance is aimed at women and gives access to compensation in the event that they are diagnosed with breast cancer. In addition, it allows the insured woman to access various prevention and monitoring services, essential in the entire process of this disease.
Reasons to take out life insurance according to the OCU
The OCU establishes two fundamental reasons when deciding whether it is worth taking out life insurance . The first of them is that the insured does not have a particularly buoyant asset or financial situation. In this case, a death or an accident that causes disability would lead to an economic catastrophe for the entire family unit. In fact, the OCU highlights that the lower the income of the family unit or, where appropriate, the greater the family responsibilities (university studies, mortgages, vulnerability...), the more necessary it is to take out good life insurance. .
Another good reason to take out life insurance, even if our economic situation is good, is to be able to guarantee that the beneficiaries without problem enjoy the same standard of living prior to the death or disability of the insured. In these cases, it is advisable to take out a policy with an insured capital much higher than usual.
What life insurance does the OCU recommend?
On its website, the OCU strongly recommends taking out life insurance that has, at a minimum, the guarantee of permanent and absolute disability . Because? Because the situation of financial vulnerability left to the beneficiaries is similar or even greater than that caused by a death, especially if we are the only source of income for the household. Therefore, a complete life policy must have, at a minimum, this complementary coverage.
On the other hand, the OCU advises requesting a quote from the different insurance companies and comparing the premiums, to choose the cheapest one or, where appropriate, the one that best suits our interests. However, this process can be very tedious and complex for the client. The best option, then, is to use an insurance comparator like the one we offer you at Seguratis. Using this type of resources you can have, in just one minute, the best policy you need according to your particular circumstances and at the best price.
Best type of life insurance according to the OCU
Finally, OCU experts warn about the possibility of contracting annual renewable insurance or temporary insurance . An annual renewable life insurance
A term life insurance can cost up to double or triple that of an annual renewable one, and it does not always compensate for the benefits they give in exchange, especially if, as we have already said, we take out an annual renewable life insurance through a comparator. Regardless of the type of insurance we choose, also with term life, the OCU recommends comparing prices.
Life insurance according to the OCU: opinions
As statistics show, more than 42% of Spaniards have some type of life insurance. Hiring has increased 5% in the last two years as a result of the pandemic. In addition, official sources affirm that more than 1 million families benefit from life insurance each year. Therefore, it is evident that life insurance is useful to the consumer. At OCU they are convinced that life insurance can be very beneficial for the client, although only if certain measures are taken.
We have already mentioned previously that comparing prices is essential. In many cases, policyholders do not have the time or knowledge necessary to make an exhaustive comparison of the market. Consequently, it is not strange that the premium exceeds 35%. For this reason, the OCU strongly encourages you to compare prices and insurance: with a little time invested, we can save more than 40 euros per year . It is evident that the best way to guarantee an economical premium is to use an insurance comparator like the one we offer you at Seguratis: in just one minute you can get the best life insurance at the best price .
In conclusion, the OCU recommends life insurance . Of course, keep in mind all the factors that we have reviewed throughout this article. Calculate the insured capital that interests you based on your annual income and your assets. This is the best way to have a premium appropriate to your interests and, in this way, optimize your life insurance.
Best life insurance in 2022 according to the OCU
Once we have seen all the indications and recommendations of the OCU, we can affirm that there are life insurance policies that stand out from the rest in the field. A life insurance that meets very favorable conditions is that of Asisa , since in addition to some very notable complementary coverage - permanent and absolute disability, death due to accident, etc. - its price of only 30 euros per year makes it the most competitive From the market . Another particularly recommended alternative is Zurich life insurance, just because.
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