In recent years, with the pandemic in our lives, they have caused the contracting of life insurance to increase. Uncertainty and the fear of not leaving everything tied up if we have the misfortune of passing away make us more farsighted.
But establishing a ranking of the best life insurance for 2022 is complicated because not everyone needs the same coverage or the same type of policy. The best one will depend on many factors, such as the economic capacity that we have, our vital moment or the amount of time that we want to have it contracted.
Before establishing a ranking of those that we believe are the best for 2022, we are going to quickly explain what you have to pay attention to when hiring him.
How to choose life insurance
First of all, you must decide if what you want is a risk or savings policy. That is to say, if what you want is the life insurance that we all know, the one that if you have an accident or die, they compensate the beneficiaries with the insured capital. Or savings, which works in a similar way to a pension plan.
Check the coverage it offers and, above all, what it excludes. Keep in mind that what some cheaper policies do is exclude many situations in which you would not be insured. For example, some diseases, the practice of risky sports, certain professions or may limit the age of the insured.
Do not choose the first one you see, compare everything you can. Because it is better to see what other companies offer to choose with all the information. There are additional coverages that not all include and that today are very convenient: such as psychological care, the capital advance or the online will.
The best advice when choosing life insurance is that it is appropriate to your current situation, the one that best meets your needs and those of your loved ones, and that it adapts to what you can afford at this time.
Life insurance ranking
Here we offer you some of what we consider to be the best products you will be able to find on the market.
Adeslas
Since 2011 Adeslas has been called SegurCaixa Adeslas, it is specialized above all in health insurance, so you can find here a wide coverage of medical professionals and specialists in this area. They also sell car, home, accident and death insurance, however the group offers its best life insurance through La Caixa.
In the Life Insurance section, La Caixa offers interesting options as a financial institution offering Family Life Insurance as a savings and investment tool for the insured person and beneficiaries. It offers protection in the event of death and absolute and permanent disability and also the Caixa Futuro option, a systematic savings product in which you can use the accumulated amount at any time.
Aegon
Aegon Seguros is specialized in Life Insurance, it offers different protections, although in all cases it offers 24-hour medical assistance, guidance and follow-up in cases where legal assistance is necessary.
It offers its life insurance for a minimum price of 11.70 euros per month. And it also offers the option of Life Insurance as a Savings Plan through Insured Provident Plans or Individual Systematic Savings Plans, with the option of including a life annuity.
Allianz
Its life products are the most flexible on the market because you can hire the one that best suits your vital needs. They offer seven different plans for you to choose from. Among the coverages that it includes is family help for orphans or burial expenses in the event of death. Allianz has been updated and also includes coverage in the event of diseases caused by an epidemic, such as COVID-19. As an inconvenience we can point out that its maximum contracting age is 54 years, something that today is a little short.
Axa
It is one of the most complete insurances because, in addition to indemnifying the beneficiary for the death, you can hire additional coverage to receive compensation in the event of professional, absolute or severe disability. It also has complementary coverage in case of diagnosis of serious diseases, such as Parkinson's, cancer or Alzheimer's, among others.
It has a high expiration age for the insurance, 81 years for death and 70 years for complementary coverage.
One of its disadvantages is that the capital cannot be reviewed and expanded in the future, so it is a product designed for people who need maximum protection.
Asisa
The most basic Asisa life insurance is the cheapest currently on the market. It also includes coverage for diseases caused by a pandemic. You can contract this policy for 156 euros per year and you will also have the option of choosing double capital coverage in case of death by accident and total and permanent disability. Another of its advantages is that it is a renewable insurance up to 75 years and you can pay your policy in installments. As a disadvantage, it should be noted that the cheapest option is a little fair in some cases and it becomes more expensive as we hire additional guarantees.
Catalan West
Catalana Occidente is a national insurance company with many years of experience. It works mainly by covering risks through life and life savings policies.
Its life insurance offers flexibility in adding coverage and intends to link some of these options with amortization insurance for loans and mortgages. Through their Life Protection Insurance, they guarantee, in addition to the capital, the possibility of updating the will online. However, it does not advance capital for burial expenses or psychological support for relatives due to the death of the insured person.
dkv
The DKV Insurance company offers life insurance for the minimum price of 15 euros, with the guarantee of compensation under any cause of death, with the advantage that it advances the capital in case of serious illness that requires specialized medical treatment. It also offers assistance medical and family members in legal matters and bereavement care.
FIATC
Among the best advantages of FIATC Life Insurance, it allows to insure the risk of death of both the insured person and their spouse in these circumstances, offering full compensation for the beneficiaries while the descendants are under 18 years of age.
FIATC also offers in its best life insurance the option of offering advance payments for certain coverages and guarantees in the event of serious illnesses, with great flexibility to customize the insurance contract to the maximum.
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