DKV life insurance
The life insurance that provides me the peace of mind and financial security I want for my family
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Compensation from death due to any cause.
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Capital advance in the event of a terminal illness.
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Bereavement assistance service to help deal with the loss of a loved one.
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Family assistance in the event of death, online will and legal advice.
From €15/month
Por qué elegir DKV Vida
All the advantages of your life insurance
Choose how much your family will receive in the event of death.
Bereavement assistance and psychological help for you and your family.
An adviser will take care of all the funeral service procedures.
Online will, legal advice and assistance over the telephone.
All the details about DKV Vida
What does the DKV life insurance cover?
Cover and services
A life insurance policy that provides you the security that, in the event of death due to any cause, your family will obtain an income to continue with their standard of living and will be provided support at all times.
The most flexible format that adapts to the needs of insured persons in terms of capital, optional cover and advantages in payment methods.
Included cover
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Death due to any cause
Your family will receive the payout of the policy.
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Advance capital payment due to terminal illness
If you contract a terminal illness, you can obtain 50% of the insured capital in advance.
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Advance payment for funeral expenses
The beneficiary may request an advance payment of the capital for funeral expenses, up to a maximum of €4,000.
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Advance payment of capital for the settlement of Inheritance and Gift Tax
The beneficiary may request an advance payment of the capital to pay Inheritance and Gift Tax.
Services included
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Family assistance
An adviser will guide your family at all times during the funeral service and with all procedures.
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Psychological in-person and telephone assistance
In-person in the event of disability, severe illness, depression or suicide prevention, and for your relatives in the event of death. In addition, an unlimited 24/7 psychological helpline.
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Free online will
You can write your will at any time and from place using the online Online will.
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Legal assistance
A helpline staffed by lawyers who will provide advice on any legal queries.
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Health and wellness services
Catalogue of health services at lower-than-market prices through DKV Club Salud y Bienestar.
Optional cover
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Total permanent disability
This cover provides you the option of receiving the capital if you suffer a permanent disability.
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Death due to an accident (double capital)
In the event of death due to an accident, the beneficiaries will receive twice the capital of the death cover.
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Death due to a traffic accident (triple capital)
In the event of death due to a traffic accident, the beneficiaries will receive triple the capital of the death cover.
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Death or permanent disability due to a traffic accident (double capital)
If you suffer an accident and, as a result, it causes your death or permanent disability, the beneficiaries will receive twice the capital of the death cover.
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Death or permanent disability due to a traffic accident (triple capital)
If you suffer a traffic accident and, as a result, it causes your death or permanent disability, the beneficiaries will receive triple the capital of the death cover.
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Severe illness
In the event of a serious illness, you will have the option of obtaining 10%, 25%, 50% or 100% (your chosen percentage) of the capital in advance so you can cover the expenses you may need and only focus on what matters most: your recovery.
What are the contracting terms and conditions of DKV Vida?
Duration, personalised capital, premium and payment method
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Duration: In life insurance, the contract has an annual duration and is renewed year after year until you reach 70 years of age, provided that you do not decide to cancel it beforehand.
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Personalised capital: You can set the capital you want, and decide if it remains fixed or is revalued annually
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Premium: The premium varies every year according to the insured capital and the insured person's age.
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Payment method: The premium can be paid in a yearly (5% disc.), half-yearly (3% disc.), quarterly (2% disc.) or monthly payment.
Any insurance policy must start with a commitment
Terms and conditions of the contract
The life insurance you can take out up to the age of 65.
The customer decides the insured capital for the Life guarantee.
In the event of serious illness, such as cancer, heart attack, kidney failure, etc.
We adapt to the payment method or payment instalments.
Information about DKV Vida insurance
Download the documentation
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Frequently asked questions about life insurance
What capital is suitable for life insurance?
The capital in a life insurance policy must cover the family's expenses for a sufficient period of time. That is, that which covers the difference between the income (usually the salary) and the retirement pension (approximately 50% of the salary).
Here is some information on the suitable capital for life insurance
What does life risk insurance cover?
Life insurance always covers the risk of the policyholder passing away. It is the main cover. But other additional cover can be taken out.
Here is some information on what a life risk insurance covers
Who should take out life risk insurance?
Life insurance is designed to maintain the financial peace of mind of those who will remain when we are no longer here. Therefore, it is important to think about who depends or may depend financially on us, partner, children, parents with a certain age, dependent people, etc.
In addition, if we have any debts, mortgages or our own business, we must consider the commitments that may directly fall upon our heirs in the event of misfortune.
Why take out life risk insurance?
Although we don't like to think about it, nobody is exempt from suffering an accident or a deadly illness. If this situation were to occur, the family's economy could be seriously compromised.
Here we explain more about life risk insurance
What is life risk insurance?
It is an insurance contract whereby the insurer, in exchange for the payment of a premium paid periodically while the insurance is in force, commits to paying an amount (insured capital) as compensation if the insured person passes away or is incapacitated to work.
In the event of death, the agreed compensation will be paid to the beneficiaries chosen by the insured person. If disability cover has been taken out, the compensation will be paid to the insured person.
How is the life insurance premium calculated?
What is the duration of life insurance?
Who will receive the compensation in the event of an accident?
What circumstances are excluded from life insurance?
Is it compulsory to take out life insurance when being granted a mortgage?
What is the difference between funeral insurance and life insurance?
Does life insurance include healthcare services?
What other services do I have in my life insurance policy?
What is understood by total disability and permanent disability?
Can I take out life insurance if I have an illness?
If I contract an illness, can the insurer cancel my life insurance?
Can I increase the insured capital in life insurance?
Can I take out more than one policy?
Will I still be insured in the policy if I receive the disability benefit?
Are life insurance for mortgages compulsory?
Who should take out life risk insurance?
What capital is suitable for life insurance?
What is and how do we obtain a life insurance certificate?
Can you cancel a life insurance policy before its maturity?
Can life insurance be deducted from your tax return?
Types of life insurance
What is the difference between a terminal illness and a serious illness?
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