Although it is a reality for everyone, it is very difficult to think about what would happen to our family and people we love if we die or if we suffer a general or permanent disability. It is a reality and thanks to life insurance we can offer a little peace of mind and comfort to our loved ones and ourselves in these situations.

For this and other benefits that perhaps not all of us are clear about life insurance policy, we made this article. Today more than ever it is absolutely relevant to have one. Learn about all its benefits and some of the key reasons why this is the best time to acquire it:

 The most important: You will protect your family!

In the event of the death of the head of the family, a Life Insurance will guarantee the payment of compensation free of taxes. In this way, your loved ones will face the future without financial problems or will have temporary support. For this reason (and many more), acquiring this policy is essential in households that depend financially on the insured.

In the case of Allianz ActuALL Life Insurance, the policy holder may choose the insured value, which ranges from 20 to 2 billion pesos, and the beneficiary, who will receive 100% of that amount in the event that the person dies from natural or accidental death.

You will guarantee your economic stability

There are unfortunate situations, accidents or serious illnesses, which cause partial or permanent disability, expensive treatments, among others. In addition to the emotional impact that this entails, the economic sustainability of the family is directly affected.

Given this perspective, if you included disability coverage in your life insurance, you will have the possibility of receiving a certain amount of money that will help you maintain economic independence and the usual standard of living.

You will have financial peace of mind while you achieve your recovery

As a perfect complement to the previous point, some life insurances give you the possibility of receiving a daily income of up to $500,000 because you are hospitalized at home or in a clinic or because you had temporary disability due to an accident.

Obviously, this will bring you financial peace of mind and emotional stability that will contribute to your recovery.

You will have coverage against serious illnesses

A serious illness definitely alters your life and that of your loved ones, for that reason life insurance will allow you to receive compensation to maintain your quality of life and assume some expenses that this situation brings, such as home adaptation reforms, medical costs , assistance to your home, among others.

The 16 diseases that are included in the Allianz ActuALL Life Insurance are:

• Myocardial infarction.
• Chronic renal insufficiency.
• Multiple sclerosis.
• cerebrovascular accident.
• Coronary artery condition requiring surgery.
• Severe burn.
• Alzheimer disease.
• Parkinson's disease.
• Paralysis of upper or lower limbs.
• Loss of upper or lower limbs.
• Total hearing loss.
• Total loss of vision.
• Major organ transplant.
• Major head trauma.
• THE A.
• Aortic Surgery.
• Surgical Treatment for Central Nervous System Disease and Bone Marrow Compromise.

You will receive great fringe benefits

When purchasing your insurance, you can choose one of the following assistance packages: multi-family, elderly or health and wellness. In each of them, you will have access to multiple services that will allow you to enjoy your life insurance:

• Medical services: land medical transfer, telephone medical guidance, pediatrician at home, doctor or nurse at home,
• Home assistance: locksmith, plumbing, appliance installation, furniture assembly and minor electrical installations, locksmith, legal advice, among others.
• Pet assistance: Veterinary medical guidance, veterinary medical service at home, walker service in case of hospitalization of the member, among others.
• Personal Assistance: Transfers, physical therapies at home, transfer and accompaniment to medical appointments, companion at home, domestic worker service, etc.

You can complement the compensation of your beneficiaries

A Life Insurance will allow you to add to the basic compensation that your beneficiaries will receive, additional compensation for accidental death, disability, disablement or dismemberment.

For example, if your insured value was for 100 million pesos and you acquire compensation for accidental death for another 100 million pesos, your beneficiary will receive 200 million.

You will have more peace of mind

Although it is the last, it is not the least important. In fact, it is the main reason why we should all have Life Insurance. Insurance gives you peace of mind because it will guarantee the economic stability of your family or your closest loved ones in the most difficult times. It is a sensible decision that gives us stability in the future.

In summary, life insurance is designed for all those people who appreciate peace of mind in serious situations and the certainty that they will not lack anything essential for their loved ones. Would you like to know more about this solution? Click here to speak to a specialist life insurance advisor.