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If you have a mortgage or are about to take out one, risk life insurance is one of the most important decisions you'll make.
More than a requirement from the bank, it's essential protection to ensure that, in the event of an unforeseen event, your family isn't left responsible for the debt.
At CJ Seguros, we help you find the right insurance at the best price - with cover tailored to your profile and without paying more than you need to.
Simulate now for free and find out how much you can save.
Life insurance associated with home loans guarantees payment of the capital owed to the bank in the event of:
In other words, it protects:
It's not legally obligatory - but:
Important:
You don't have to take out insurance with the bank.
You can transfer to CJ Insurance and save hundreds of euros a year.
The price depends on several factors:
General rule:
By contracting outside the bank, you can save between 20% and 50%.
Ask for a personalised simulation.
Banks tend to have higher prices.
Avoid paying for more capital than you need.
You can renegotiate and change over time.
Yes - and it could be one of the best financial decisions you'll ever make. The process is simple:
Yes, as long as you present an equivalent alternative.
In many cases, yes - but it can still pay to change.
It depends on your profile, but generally insurance with ITP cover offers greater protection.
Yes, depending on the coverage you choose (IAD or ITP).
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