Term Life Insurance
Protection by the Term chosen 10, 15, 20, 25 and 30 years.
Product summary
Individual plan
The policy provides coverage for a certain period and provides a certain level of coverage. This type of insurance can be purchased for 10, 15, 20, 25, or 30 years.
This type of insurance is very easy to obtain and affordable. Life insurance offers flexibility based on your needs and an established term.
Benefits
- Life Insurance offers protection for a determined time of 10, 15, 20, 25, or 30 years.
- Pays the amount of insurance to the designated beneficiary when the death occurs of the insured.
Contract disposition
- Insurance coverage starts at $25,000.
- Additional time may be required for refurbishment.
- It can be converted to general life insurance and the policy is subject to a maximum age determined for each term. The accelerated payout for accidental death.
- Various endorsements are available to extend coverage.
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
Can a person buy a cancer and pernicious illness policy a person that has had a cancer diagnosis?
Yes, they are eligible if they had not received any treatments in the past 10 years, and it doesn’t happen within the first 30 days of the policy and the date of effectiveness.
Are the medicines and equipment covered under the School Policy and Special Accidents?
No
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 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.
To whom is emitted the check of premium return check?
Premium refunds that have not been accrued will be issued to the person who paid the premium.
Is it necessary to pre-certificate the services under School and Special Accidents Policy?
No, is a policy of reimbursement, why which no services are pre-certified.
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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