Sudden Death Protection

What different policies are on offer today to insure against the risk of death?

Accidental Death Insurance (sudden, external causes) - Very limited...

Total Death Insurance – Very expensive...

Instead, we can offer SUDDEN DEATH PROTECTION, covering sudden death due to both external and internal factors!

WHAT DO WE COVER?

• Accidental death (sudden external cause) +
• Sudden death caused by internal factors

WHAT ARE THE MOST COMMON CAUSES OF DEATH COVERED BY THIS POLICY?

• Acute meningoencephalitis
• Cerebral aneurysm
• Aortic dissection
• Massive pulmonary embolism with no known predisposition
• Acute liver failure
• Acute pancreatitis (not caused by alcoholism)
• Acute peritonitis with no history of abdominal problems
• Sudden subarachnoid hemorrhage
• Sudden death with no known history of cardiovascular problems

WHAT IS A 'SUDDEN ILLNESS'?

A sudden, unexpected deterioration in health, caused by factors outside the policy holder's control (other than accidents).

HOW MUCH DOES IT COST?

The premium depends on age and always includes cover for accidental death.

For example, a 45 year old policy holder would pay 1.300 € exclusive of tax for insuring the sum of 1.000.000€.

WHAT'S THE VALIDITY PERIOD OF THIS POLICY?

Contracts normally run for one year. They can be renewed subject to the agreement of all parties. In some cases, as in the case of donations, a 3 year contract can be drawn up.

Deteriorating health during the term of the contract does not, in this case, entail any changes to the original agreement.

WHAT FORMALITIES ARE INVOLVED?

This depends on the age of the policyholder and the amount to be insured. In addition to a completed insurance proposal, medical formalities can vary between a simple declaration of health to a medical questionnaire to be completed by the policyholder's doctor, and various additional medical exams.

WHAT'S THE AGE LIMIT?

• Maximum age on signing: 79 years
• Age limit at end of contract: 85 years

IS THIS THE RIGHT KIND OF COVER FOR ME?

This insurance is ideal for anyone desiring to insure considerable amounts. If you're looking for a more comprehensive cover than simple accident protection, without wanting to resort to the expensive cover for all causes of death (especially relevant for smokers and the over 50s), this insurance is for you.

Policyholders often need a cover of limited duration (a few years) in order to be able to cope with an unexpected, sudden event. If a 'foreseeable' death following a long illness usually allows enough time to organize things, a sudden bereavement can have much more dramatic consequences...