The protection of our family and the continuity of our business is as important or even more important than the protection of our professional activity or the protection against accidents. For this reason, Op de Beeck & Worth offers a wide range of life insurance policies adapted to the needs of the self-employed and small businesses.
Life insurance is the perfect solution to preserve future financial stability without sacrificing the present.
Life insurance policies from Op de Beeck & Worth are easy to take out, in many cases without the need for a medical check-up up to certain limits.
Independent or self-employed professionals who want to protect their family in the event of death from any cause.
We offer life insurance with a wide range of optional add on’s to ensure that your loved ones' lifestyle is maintained in the event of death or disability.
The life insurance policies we sell mainly cover the death of the insured person. In addition, the policy can be configured with different optional covers that add further guarantees for the client, such as permanent disability, diagnosis of a critical illness or severe dependency amongst others.
As a general rule, accidents or death due to the practice of risky sports or during the exercise of professions known as risky ones are excluded, although we can also find a solution for these situations if you practice these types of sports frequently.
As a breakdown of the coverage we have:
- Absolute Permanent Disability
- Total Permanent Professional Disability
- Death due to Accident
- Absolute Permanent Disability due to Accident
- Death due to Traffic Accident
- Absolute Permanent Disability due to Traffic Accident
- Simultaneous Death of Both Spouses due to Accident
- Serious Illness / Serious Terminal Illness
- Male and Female Cancer
- Severe Dependency and Major Dependency
There are two limits when taking out a life insurance policy:
The first is the age of the insured. As a general rule, beyond the age of 75 the offer is very reduced and the premium is far more expensive.
The second is the sum insured in the event of death or accident. This limit is completely free of choice for the insured person. If you need high limits of cover, we can also find a solution for you.
Accident insurance normally covers death as a result of an accident. In the case of life insurance, death from any cause, natural or accidental, is covered.
Depending on the limits of compensation requested, only a health questionnaire will be necessary. If the limits are high it is very likely that a medical check-up will be necessary.
What our customers say
Thank you for the excellent service.
A friend recommended your company to me years ago and I'm glad I listened to her advice. I have worked with quite a few companies and have rarely had a claim. However, compared to other insurance policies I have occasionally had a claim with (car, dog, ...), your service is top notch: personal service, immediate response, competence and a real personal and individual way you treat your clients.
Thank you very much
The response I received has been very professional, personalised, friendly and close at all times. I have been able to contract a product and service that perfectly suits my needs, when I was faced with several interesting proposals. A success.
All the team members I have dealt with have been professional, patient, polite and friendly. They have dealt with several difficult situations for me and have gone above and beyond to help me. Their advice and judgements have been sound and reliable, so I have always felt safe knowing that I was being well looked after. As an expatriate who does not speak Spanish, life in Spain would be much more difficult without the support of this company.
There is no doubt in my mind that I would recommend Op de Beeck & Worth for a much needed peace of mind.