Term Insurance with Premiums Devolution
Life Insure for a term of 10 years and 20 years.
Product summary
Individual plan
Clause life insurance is the simplest type that provides protection for a previously determined period and the amount insured does not change during the term of the policy.
In COSVI, we now offer you two new alternatives of terms of 10 and 20 years with the benefit devolution of the Premium up to 80% of the paid Premium. In this insurance, the premiums are guarantee for the term of the coverage.
Benefits
- Provides the devolution of the Premium up to80% of the paid Premium only at the end of the Term.
- Level Premium for the Term.
- Pays the insured amount to the designated beneficiary at the time of death.
Contract dispositions
- Minimum insurance coverage of $50,000.
- If the Policy terminates before the date of expiration of the Term, for any other reason that is not the death of the Insured, it will be reimbursed to the owner of the policy, a portion of the paid premium corresponding to the elapsed years.
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 is an insurance policy?
Life insurance provides you financial help against possible loss due to death, illness, incapacity, or accident, and this protection is provided through an insurance policy that accumulates financial funds for such situations.
What tests are covered under the benefits of preventive exams?
The only ones that are covered are the ones established under the policies; mammograms, PAP tests, exams for the prostate, specific antigen tests, and tests to determine blood occult in your stool.
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.
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.
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.
Are the medicines and equipment covered under the School Policy and Special Accidents?
No
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.
Excellent customer service.
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.
Good service, I won't let them.
Very well located and a wide variety of insurance products.
I was treated very kindly and promptly.
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