Why subscribe to death insurance?
Death insurance provides financial support to your loved ones in the event of your death. This capital or annuity helps them cope with the unexpected. Protect their financial future by taking out a simple, effective solution.
- Preserve your family’s standard of living by providing them with financial support in the event of premature death.
- Finance your children’s education with an education annuity.
- Anticipate funeral costs or cover other unexpected expenses.
The guarantees of death insurance
Depending on your death insurance contract, you can customise your guarantees according to your needs:
- Payment as a lump sum or annuity.
- Doubling of the capital in the event of accidental death.
- Education annuity for your children up to age 25.
Death insurance: flexible, personalised plans
| Criterion | Details |
|---|---|
| Available plans | Essential, Comprehensive, Comprehensive 60+ |
| Starting price | From €2.73/month |
| Death capital | From €15,000 to €1,000,000 |
| Included guarantees | Death, absolute and permanent disability, accident doubling, assistance included |
| Available options | Dreaded-illnesses capital, dependency capital |
| Assistance services | Repatriation, telephone assistance, home help |
| Age limit | Up to age 61 for the 60+ plan |
| Capital advance | €3,000 to €4,000 for immediate expenses |
| Medical formalities | Simplified for everyone |
| Criterion | Details |
|---|---|
| Available plans | Tempo Death |
| Starting price | Not specified |
| Death capital | From €10,000 to €40,000 |
| Included guarantees | Death, total and irreversible loss of autonomy (PTIA) |
| Available options | Dreaded-illnesses option |
| Assistance services | Repatriation, family assistance, home help |
| Age limit | Up to age 64 |
| Capital advance | Included |
| Medical formalities | No medical formalities |
The documents required to switch death insurance
To switch death insurance, you will need to provide several key documents. First, a cancellation letter sent by registered mail with acknowledgement of receipt, in accordance with the Chatel law, is required to inform your current insurer. You will also need to include a copy of the current contract to allow the new insurer to review the terms of your previous coverage. Proof of identity (such as an ID card or passport) will be requested, as well as bank account details (RIB) to set up automatic payments. If you take out new death insurance, a health questionnaire or medical certificate may be required, especially if you are above a certain age or if the capital amount is high.
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FAQ - Death Insurance
1. Subscription and eligibility
| Question | Answer |
|---|---|
| Who can take out death insurance? | In general, anyone aged 18 to 65 can take out death insurance. Some insurers accept subscriptions up to age 80. |
| Is a medical examination required to subscribe? | Depending on the capital amount and the insured’s age, a health questionnaire or medical examination may be requested, although some plans do not require a medical exam. |
| What is the difference between term and whole-life death insurance? | Term death insurance covers the insured for a defined period, whereas whole-life death insurance covers the insured until death, whenever it occurs. |
2. Guarantees and options
| Question | Answer |
|---|---|
| What guarantees are included in death insurance? | The guarantees include the payment of a lump sum or annuity in the event of death, with options for doubling in the event of an accident or an education annuity for children. |
| Can options be added to the contract? | Yes, options such as total and permanent disability cover, serious-illness cover, or an annuity for children can be added depending on the chosen plan. |
3. Costs and payments
| Question | Answer |
|---|---|
| How much does death insurance cost? | The cost depends on several factors: the insured’s age, their state of health, and the desired capital amount. Premiums generally start at around €2 per month for a minimum capital. |
| Can I change the amount of my death capital after subscribing? | Yes, most contracts allow you to adjust the insured capital amount over time according to your needs. |
4. Cancellation and switching insurance
| Question | Answer |
|---|---|
| How do I cancel my death insurance? | You can cancel your contract on the annual renewal date by sending a registered letter. The Chatel law informs you of the deadlines to make cancellation easier. |
| What documents are required to switch death insurance? | You will need a cancellation letter, a copy of your current contract, proof of identity, and sometimes a new health questionnaire to take out new insurance. |
5. Beneficiaries and capital
| Question | Answer |
|---|---|
| How do I choose and designate my beneficiaries? | You are free to designate the beneficiary or beneficiaries of your choice when subscribing, and you can change them at any time by informing your insurer in writing. |
| How is the death capital paid out? | The capital is paid as a single lump sum or in the form of an annuity to the designated beneficiaries after the insured’s death. |