3 things you should check before hiring life insurance

Image result for life insurance“Life is very simple but we insist on making it complicated” Confucius.

Having life insurance brings stability to the family. If you have dependent children or dependents, perhaps you are considering hiring one. We know how important it is to be clear about taking the step, so let’s help you make this choice as easy as possible.

 

WHAT AMOUNT SHOULD I INSURE IN A LIFE INSURANCE?

This depends on your personal situation. In order to calculate it, you have to take into account the following:

  • Number of family income : It is not the same for only one member of the family to work for both of them.
  • Number of dependent children economically.
  • Age of the children and time they need to continue depending on the income of the family until they are totally self-sufficient.
  • Loans and outstanding debts that must continue paying in the case of premature death.

 

WHAT DOES LIFE INSURANCE COVER ME?

WHAT DOES LIFE INSURANCE COVER ME?

In addition to the death of the owner, you can cover a series of circumstances in which we would have to make an economic outlay so that we may not be prepared:

  • Advance of Inheritance Tax
  • Permanent and absolute disability
  • Legal advice
  • Psychological attention

 

In addition, there are some insurances that also cover the following:

  • Diagnosis of breast cancer
  • Diagnosis of prostate cancer
  • Death of both spouses .

Keep in mind that certain risks may not be included , such as a motorcycle accident or derived from the practice of a risky sport. You always have to confirm the coverages with the insurer that is hired.

 

BEFORE CONTRACTING, COMPARE

Since we are going to make a very important decision for the future of the family , it is crucial to weigh among the various options offered by insurers.

Most insurers offer on their websites a table where you can compare the coverage of each product , and even online insurance calculators to simulate what it would cost you.

 

BONUS: AT WHAT AGE SHOULD I HAVE A LIFE INSURANCE?

Sometimes we do not start thinking about hiring life insurance until we fall ill and become pessimistic. Error! The best time to buy life insurance is precisely when we enjoy good health . Why? The companies make health questionnaires to assess this status and, in the case of having a problem, you can reject our policy or add certain surcharges.

 

We hope these tips will help you when making a decision about whether or not to buy life insurance, and if so, which one. And if you have already decided to secure the future of yours, congratulations! From now on you can worry less and dedicate yourself to what really matters, enjoy life with those you love the most .

THE REGULATORY BASES FOR THE GRANTING OF GRANTS TO THE CREATION OF OPERATIONAL GROUPS AND THE EXECUTION OF INNOVATION PROJECTS OF THE AEI-AGRI ARE APPROVED

Image result for official state gazetteThe Official State Gazette (BOE) publishes in its edition of April 3, 2018, the regulatory bases for the application of subsidies for the execution of innovative projects, in addition to the modification of Royal Decree 253/2016 for the creation of supra-autonomous operating groups.

This decree marks the first time that the implementation of innovation projects of general interest for a sector has been launched, defined and designed by supra-autonomous operating groups. These projects must be executed within a maximum period of 3 years, and start from an innovative idea in order to solve possible problems that may arise in their scope of action. On the other hand, it is not necessary that these groups had presented last year 2017 to the creation phase previously named.

In the creation phase, the maximum aid limit is € 100,000 and in the project phase of € 600,000 , and the eligible expenses will be those incurred in the period between the application for the aid until the date set by the corresponding call. With regard to innovative projects, the subsidy will be 100%, for those focused on products included in Annex I of the TFEU, as well as forest products.