Simple Life Insurance
Life insurance as a simplification of emissions. No medical exams required.
Product summary
Individual plan
Life Insurance that provides life coverage our family is an essential part in our life, and the real happiness is in sharing with our loved ones.
For this reason, we avoid thinking about leaving them, and tolerance for death seems out of reach. If you're looking for a policy with a simple appraisal process without need for a medical exam with level coverage and cash value, then Simple Life is for you.
Benefits
- Pays 100%of the benefits from the first year of policy.
- Accumulate the cash value and you can get a loan by mentioning the value.
- If the insured gets to the age of 99 years old, he will get paid the accumulation of his values in life.
Contract dispositions
- Coverage starts from $25,000 up to $125,000 from 18 to 50 years, and $15,000 from 51-59years old.
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
What should I do to add a beneficiary to my COSVI policy?
To designate a beneficiary, all you have to do is fill out the Request to Add Beneficiaries document and send it in original format by regular mail to: Cooperativa de Seguros de Vida de Puerto Rico, COSVI Attention Issuance Department PO Box 363428 San Juan, P.R. 00936-3428 You can also bring it to any of our offices or send it by email to serviciosalcliente.documentos@cosvi.com.
The cancer policy only covers the deductible of the medical plan or the total of expenses incurred?
No, the reimbursement will be processed in line with the benefit reclaimed and the limits of the coverage.
How effective is a cancer insurance?
The insurance is in effect 30 days from the date of the application.
How can I establish my claim?
To submit a claim you must complete the Claim Application and accompany it with the necessary documents according to the insurance policy you have purchased. For more information you can access the Claims section. For your convenience, you can advance these documents by e-mail service.reclamaciones@cosvi.com, via fax to 787-200-2574 or deliver them to any of our offices. An important fact for SINOT cases is that SINOT claim applications require original documents.
Does the policy of cancer and pernicious illnesses coordinate payments with medical and Medicare plan?
No, cancer and pernicious illness policy are through reimbursement of medical expenses.
What if I want to purchase an additional cover?
You can contact the Life Insurance Cooperative of Puerto Rico, COSVI at 787-751-7373 where an Authorized Representative will guide you on the insurance policies and endorsements that we have available. You can also contact your insurance agent directly.
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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