Income Protection
Income if the insured cannot work for a short period of time.
Product summary
Group plan
Salary is provided to employees if an illness or occupational or non-occupational injury prevents the insured from working for a short period.
Weekly benefits, coordinated with SINOT, driver insurance, ACAA, and state fund insurance.
Benefits
- Regular protection: Disability non-occupational insurance that provides benefits for disability up to a maximum hospital stay of 26 weeks. Services coordinated with SINOT, Driver Insurance, ACAA, and State Insurance.
- Platinum protection: Incapacity non-occupational insurance that provides benefits when an accident or illness results in a non-occupational disability. Provides 75% of a weekly salary up to a maximum of $1,000. Services coordinated with SINOT, driver insurance, and ACAA.
- Plus Platinum Protection: Incapacity non-occupational and occupational insurance that provides benefits in the event of a non-occupational disability due to accident or illness. Services coordinated with SINOT, Driver Insurance, ACAA, and State Insurance Fund.
Contract dispositions
- Maximum period of coverage until 26 weeks.
- Services coordinated with SINOT, Driver Insurance, ACAA and State Insurance.
Payment methods
These are the payment methods available to purchase your plan.
Frequently asked questions
We leave you some of the most frequently asked questions about our plans
The treatment in case of a positive cancer diagnosed, can it be out of Puerto Rico?
Yes, our Total Alliance policies offer you coverage of treatment out of Puerto Rico.
What should I do to solicitate withdrawals from my IRA account?
All you must do is complete the application to withdraw from My IRA and comply with the delivery of the required documents depending on your circumstances at the time of withdrawal. The formality may be advanced via taxes, but because of the requirements of the Secretary of Treasure and these types of transactions, the original documents are required for the delivery of the disbursement you can advance the process by sending your copies to fax at 787-772-4191.
What should I do to change the frequencies of payments?
If you wish to change the frequency of payment, you should speak to an authorized representative or a police repair specialist.
Why is important to have a Life and Health Insurance?
Life insurance may help protect your family in case of an eventuality because it forms part of the necessary financial planning. Offers funds for expenses related to your death serves as a savings instrument for the failure.
What should I do if I want to reinstate my cancer policy or other type of Supplemental Insurance?
You just have to fill out the Reinstatement Application and send it in original format, with two payments of the premiums owed by regular mail to: Puerto Rico Life Insurance Cooperative, COSVI Attention Issuance Department PO Box 363428 San Juan, P.R. 00936-3428 You can also deliver it to any of our offices or through your authorized insurance agent.
Where can I settle the claim as a member of the Cooperative that acquire an insurance?
You should settle your claim at the Cooperative of Saving and Credit, where you obtain your policy.
Steps to acquire your insurance
In just three steps, you can get the policy you are looking for.
Initial Consultation
In your initial orientation appointment, the objective is to establish good relations hear youcarefully and make adequate questions to know which you are needs a free consultation.
Evaluation
Depending on your needs, we evaluate the different products beneficial for you.
Presentation
Besides your resume, we will continue to evaluate all information provided to recover your situation and confirm your needs. We propose an action plan that identifies and explains different products and alternatives that meet your needs. If you agree with our recommendations, we help you get the product.
Orientación Inicial
En la cita inicial el objetivo es establecer una buena relación, escucharle detenidamente y hacerle las preguntas adecuadas para saber cuáles son sus necesidades.
Evaluación
Dependiendo sus necesidades, se evaluarán los diferentes productos de mayor beneficio para usted.
Presentación
Además, de resumir la situación, confirmar sus necesidades se procede a evaluar toda la información provista, se presenta un plan de acción en el que se identifican y explican los diferentes productos y alternativas que satisfagan sus necesidades. Si usted está de acuerdo con las recomendaciones, se le ayuda adquirir el producto.
What our clients are saying
Look what are insured have to say about our policies and our services.
I was treated very kindly and promptly.
Very well located and a wide variety of insurance products.
Good service, I won't let them.
Tremendous company. It is by appointment, at the moment, they are very helpful and fast, you do not waste time. Make an appointment by phone and that's it!!! Good service.
Excellent customer service.
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