Insurance companies now offer many advantages to groups who bet on them and whose union leads to personal and collective benefits for both the policyholder and the rest of the insured.
Death insurance would not be an exception, as evidenced by the fact that today the name of the hiring policy in this area is usually the "burial insurance and family assistance." Traditionally, this area has a very important tradition in our country as it has hired a lot in Spain. Historically it has inherited from parents to children in a way as an inheritance, although there is now better access to information and greater variety of offers for citizens may have more tools to make better choices face.
In this sense, although everyone is free to choose their best option, the fact is that in general it is recommended that the components of a family bet by the same insurer. This results in a number of benefits that will try to provide details in this post.
Economic benefits
The biggest advantage, however obvious it may be, is to ensure that all components of a family can be insured beyond the contractor. At the end of the day, this is not the only one who can suffer the misfortune of death or who may benefit from other coverage offered by the insurance directly, and are usually offered to all family members who are insured .The inclusion of a greater number of components as insured on the same policy with the same company often result in significant financial savings, but always depend on the conditions of each insurer. Typically, each of the insured paid in reference to your health and your date of birth (a younger, lower premium), but it is usual that the inclusion of more people conducive get discounts on the total premium to pay .
In this sense we must also point out that the inclusion of children as insured involves the payment of very small, almost insignificant, fees or even newborns or young age, are excluded from pay in the early years of his life. As you see it costs practically nothing to include them, and you have to think in smaller since they can benefit from the complementary advantages of this insurance.
On the other hand, with respect to the elderly, it is usual that from a certain age (65-70 years), companies do not ensure those people. When hiring a family insurance many of them allow the inclusion of people of the Third Age as insured, always, yes, there is at least someone younger in the household. The elderly, therefore, may have the option to be insured if they belong to a family that is committed to the same company for the whole family; It demonstrated that the family that stays together has more advantages.
Sometimes the benefit is obtained in other branches of the insurance company with which we have a contract. And it is that sometimes firms offer as a reward for insured families the opportunity to opt free of charge to the protection of other types of insurance brand (Auto, Home, etc.) or at least get significant discounts when hiring them.
It is also common the fact that there are specific coverages for example, the assistance trip- simply be paid for once and that change can benefit all members of the group who are insured. To pay the money corresponding to that particular coverage can benefit the whole family, not just the policyholder.
Comfort management
Comfort in management is one of the strengths of the decision to unify the insurance in a family (a common practice in couples who had previously engaged in a policy of deaths with different signatures and decide to opt for one of those brands once have had offspring). It is more comfortable having a single party, a single company to meet its conditions and one place to turn for management or information.Finally, we must also note that this insurance can often be applied even if one of the members of the family residing abroad, but generally this protection has a limited temporal validity and must adapt the policy to the status of member of the family remains expatriate.
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