They guarantee the payment of the sums insured agreed if the insured lives from a certain date. They are life insurance in which the main objective is long-term savings, linked to the insured's survival.

These manage and invest the savings to the insured, in the medium and long term, and, in many cases, are designed to complement retirement.

The obligation of the Insurer is subordinated to the death of the insured are insurance focused on pure risk, without any component of savings.

The purpose of these insurances is to guarantee capital or settle outstanding loans or credits or help the family to maintain the standard of living that it had before the death or disability occurred, provided that it is contracted as a supplementary guarantee of the insured.

This generic denomination includes all the modalities that result from the combination of insurance in case of death and life insurance.

In general, they are complemented by a Risk Insurance, which provides a guarantee in case of death or total and permanent disability of the insured.

Covers the death of the insured under the causes that are defined in the policy.

Covers the insured in any irreversible physical situation caused by accident or illness that as a result determines the insured as not suitable for the permanent maintenance of any employment relationship.

This coverage covers the payment of the capital contracted by the insured for irreversible physical disability caused by accident or illness that makes the insured unfit for the exercise of their profession, expressly declared.

It covers a serious illness diagnosed for the first time during the validity of the policy.

It covers accidental death and / or organic losses as a result of an accident during the period stipulated in the policy.