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Understand More About Prices, Is It Worth It.
Many wonder how much life insurance costs, after all, it has become very important today. Life insurance is a contract made between a policyholder and an insurance agency so that a compensation is paid to their family or the beneficiary chosen by the policyholder if something happens to them.
Currently, life insurance has become essential for the routine of any Brazilian who wishes to ensure the well-being of their family. To know if life insurance is expensive, learn more about the main types of life insurance and the benefits that this type of policy provides to the policyholder.
Main Types of Life Insurance
As customers tend to look for insurance that meets their needs, insurance agencies offer different types of life insurance for the policyholder to choose the one that suits them best. Among the main types of life insurance are:
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Individual Insurance: This is the one that is most commonly contracted, covering the policyholder in case of death or disability. Physical insurance can be contracted by both individuals and legal entities intending to cover an insured person;
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Family Insurance: Family life insurance is quite similar to individual insurance, but with the difference that it also covers the family members and dependents of the policyholder. For example, if the policyholder’s partner dies due to an eventuality, they may be compensated;
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Group Insurance: This type of insurance is often adopted by companies, contracting and paying for the insurance of their employees. This means that each employee is the policyholder of their policy, offering them the same advantages as a standard plan;
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Redeemable Insurance: This is the most different among the listed insurances; it allows the insured to redeem the amount paid to the insurance company after a period defined by the contract.
Although these are the main types of life insurance, the agency may have other options to offer. In addition, it is clear that the client and the agent can discuss to negotiate and close the best insurance according to their preferences.
Benefits of Buying Life Insurance
Even though life insurance has the image that its compensation will only be paid to the family of the policyholder after their death, this type of insurance has other benefits that can be used by the policyholder while alive. Among some benefits, there are:
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Greater financial protection;
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Payment of compensation in the event of a workplace accident;
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Great cost-benefit;
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Coverage for the partner.
These are just some of the benefits that life insurance can provide to the policyholder, but there may be others in addition to those mentioned. Furthermore, both parties can negotiate the benefits that the policy will provide.
Is Life Insurance Expensive?
If you are still here, it means you are unsure about how much life insurance costs, and we can tell you that many basic coverage plans can range from R$150.00 to R$200.00 per month.
However, agencies usually conduct an analysis of clients and the risks surrounding them to determine the price. For example, a younger person who has no addictions and works in an office has a lower risk of life and will have inexpensive insurance compared to an older, smoking person who has a manual job with higher accident risks.
How Much Does Life Insurance Cost?
As mentioned above, the cost of life insurance can vary according to the policyholder’s lifestyle. However, as also mentioned, there are basic insurance plans with very affordable prices, with some costing only R$2,000.00 annually.
Is the Cost-Benefit of Life Insurance Advantageous?
The cost-benefit provided by life insurance is very advantageous for those who purchase it, not only due to its compensation for eventualities but also for all the benefits that this type of policy can offer.
In addition to its very affordable price, for example, some insurers offer plans with a compensation of R$50,000.00, which have a monthly premium of only R$140.00.
When Can Life Insurance Be Claimed?
In addition to the case of the death of the person covered by the policy, life insurance can be claimed in other situations, as mentioned earlier; it can be claimed in the event of permanent or temporary disability caused by workplace eventualities, or even to cover expenses for treatments of illnesses if predetermined in the contract.
In other words, the insurance compensation can be redeemed if something it covers occurs with the policyholder and/or their family members. And we cannot forget to mention also the redeemable insurance, which, as explained earlier, once the period specified in the contract passes, the insured can redeem the amount of the already paid compensation.
Now that you know how much life insurance costs and are interested in more information about this type of insurance, BB Seguros is the best agency option for you. Part of Banco do Brasil, we have been offering life insurance with affordable prices since 2012, in addition to the best home insurance in the market, with plans starting at R$19.90.
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