We have developed a portfolio of flexible solutions for life insurance and critical illness, in order to respond to the only stage in which each individual is.
The main life insurance product meets the needs of financial protection of your dependents and provides full payment for death caused by accident, illness or natural causes. We can offer a variety of insured amounts, depending on the situation of each individual.
Also, flexible solutions can give life to the full payment of a diagnosed terminal illness.
In most countries, we provide life insurance to individuals directly online (online), as well as through intermediaries (brokers) and partner organizations.
Whether a term insurance policy or a policy designed to more complex benefits, access to most of life coverage, quickly and directly is provided.
It is important to determine this type of insurance, the insured (whose life depends on the payment of the capital), the policyholder (who subscribes and pays the insurance premium, and in case of death requires the consent of the insured for the insurance ) and the beneficiary (which is who gets the compensation paid by the insurer).
The policy of insurance with a duration exceeding six months may terminate it within 15 days from the insurer to deliver the policy. The resolution must be exercised in writing, ceasing risk coverage by the insurer from that date, being obliged to refund premiums that would have been satisfied to date.
The policyholder may designate beneficiaries without the consent of the insurer, pudiéndolos revoked at any time. If the beneficiary designation is made for several, the benefit is distributed equally.
What is an insurer?
General Insurance Companies are companies that offer insurance to cover the risk of loss or deterioration of things or in equity. Exceptionally, also they cover the risks of personal accident and health insurance.
They may also engage in insurance brokerage and settlement. The domestic general insurance companies may only reinsure risks of the group in which they are authorized to operate, that is, the first group.
The minimum operating capital of 90,000 UF.
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Universal Insurance offers you the most comprehensive life insurance plans with savings options to protect your loved ones.
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