Verify That The Insurer Guarantees Life Renewal

This point is essential since there are insurances that only assure you up to a certain age without the possibility of renewing it, but there are others where you are assured for life regardless of your health or your age, as long as your policy is paid.

Thoroughly review the pre-existence clause for seniority: when there is a disease that has not been declared due to ignorance of its pre-existence, some insurers refuse to pay for any service related to the condition. However, make sure that the company you choose covers the pre-existing situation as long as there has not been any manifestation of a symptom related to the disease over an extended period.

Ask about the waiting times and the conditions that require it: the ideal is that waiting times to attend to specific ailments are the least. In this way, in less than what you imagine you can enjoy all the benefits of your policy

Consider the tax benefits: some products offer components such as discount or deduction for the payment of taxes. Check with your advisor if the products you are interested in have this modality.

Keep healthy habits: that you and your family have an enviable state of health, not only can help you reduce the risk of an illness, but can also be a critical factor that influences the price of your policy, mainly in the coverage for adults.

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