Life Insurance

Designed for you, take care about the future of your family

We don't know what may happen tomorrow. However, as an expat you can insure your family's economic reaction when you are gone. Calculate now the price of your life insurance, without obligation.

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Expat Life insurance

Individual

We compensate your loved ones in the event of your decease, regardless of the cause. In addition, you can choose to extend the coverage to include cases of disability.

Decease

Included
Absolute Permanent Disability (Optional)

Expat Life Insurance

Starbien - Personalized

The 100% customizable insurance, which in addition to responding in case of decease, also gives you the possibility of responding in case of hospitalization or serious illness.

Decease

Included
Accidental decease (Optional)
Decease due to traffic accident (Optional)
Absolute Permanent Disability (Optional)
Absolute Permanent Disability due to accident (Optional)
Absolute Permanent Disability due to traffic accident (Optional)
Serious illness for children (Optional)
Serious illness for adults (Optional)
Daily compensation for hospitalization (Optional)

Why is it important to have Life Insurance?

Protecting your family's future is always a good decision, especially if you have children, people who depend on you or you are a significant source of income for your household. Therefore, it is important to make sure that your family will be able to cope financially with such a dramatic situation as your loss.

And also, to cushion your own monetary capacity, when you suffer a serious health contingency that conditions your income. In short, there are several reasons to know that taking out a life insurance policy is the right choice:

For security

Because in the event of your decease, your beneficiaries will receive an indemnity. This way, when you are gone, you will relieve your loved ones of financial burdens and protect their future.

For the birth of children

Because the legal situation may affect the benefits they receive in the event of your decease. Did you know that 47% of families with children are not in regular marriages and state pensions do not cover these situations?

Your beneficiaries

Will also receive an additional amount in case of accidental decease.

The Life Insurance will adapt to your personal decision

You decide the capital and the people who will receive it.

What is Life Insurance for?

Because having this type of insurance does not only entail the protection of your loved ones with a financial compensation in the event of your decease. It also gives you the possibility of having a ‘helping hand’ in the event of serious illnesses.

For total and permanent disability

If you so choose, your life insurance also protects you and your loved ones against unforeseen events that prevent you from continuing to participate in the family income and that are caused by total and permanent disability due to an accident or illness. In these situations, you will receive the full amount of the agreed capital. In this way, life insurance is a way of saving for times when the family economy may suffer.

For serious illnesses

The protection associated with a life insurance policy also covers other freely contractable cases, such as highly limiting illnesses that require high medical care expenses, such as cancer, severe cardiorespiratory pathologies or cerebrovascular limitations.

What is Life Insurance for?

Having life insurance is not only useful to guarantee the peace of mind of your loved ones in the worst moment of all, but also in those difficult situations that can affect the well-being and stability of those you love the most.

Because having this type of insurance does not only entail the protection of your loved ones with a financial compensation in the event of your decease. It also gives you the possibility of having a ‘helping hand’ in the event of serious illnesses.

For total and permanent disability

For serious illnesses

Frequently asked questions

With a life insurance policy, the insured or the beneficiaries will receive a financial compensation in the event of decease, absolute permanent disability or serious illness of the former. Among the most frequent reasons for taking out a life insurance policy are family security or to ensure a future for the children. At Caser, we have different types of life insurance, such as individual life insurance or personalized Starbien life insurance, in order to adjust to the particular needs of each person.

No, it is not legally obligatory to take out a life insurance policy when taking out a mortgage. It is true that financial institutions may offer products and services for combined sale at the time of formalizing a mortgage loan with them, among which life insurance can be found. But, once again, it is not compulsory to have life insurance when taking out a mortgage. However, it is advisable to have one, since the coverage of a life insurance policy protects you and your family in case of any adverse circumstance, such as decease or disability of the insured. And, in these cases, and thanks to its coverages, your family could continue facing the payment of the mortgage.

The price of a life insurance policy depends on different factors. One of the most determining factors is the age of the person interested in taking out the insurance, since the older the person is, the higher the price tends to be. In addition, when calculating the price of a life insurance policy, the capital to be insured (the amount of the indemnities that the beneficiaries will receive) also has an influence, as well as other more personal aspects, such as the profession, state of health or habits. Do you want to know how much your life insurance policy costs? We call you for free