Individual Life Insurance

It is defined as protection against financial and economic losses caused by the occurrence of premature death. Therefore, it provides the means by which a person can compensate his beneficiaries for the loss of his future income or income upon his death

Group Life Insurance

Its purpose is to protect an Insurable Group under the risk of death and only grants a renewable temporary plan annually.

• Insurable Group: It is constituted by a group of Natural Persons, grouped under an Entity with legal status, or having a natural or legal third party (TOMADOR), stable relationships of the same nature, common interests and whose link did not originate in the will to obtain Life Insurance protection.
• Grupo Insured Group: The group of natural persons of the Insurance Group, who are covered by a Group Life Policy. During the validity of the Policy, it is logically allowed Insured Entries or Departures and modification of Individual Insured values, liquidating the cost of the Insurance, through Pro Rata Premium

Affiliation to the Labor Risk System – ALRS

The Human Resource, fundamental factor of the operations of a company, was favored by the new System of Social Security (Law 100 of 1993), especially in the area of Labor Risks, by means of the Decree Law 1295 of 1994.

The new system allows the Entrepreneur to opt for a system of private attention, with all the advantages that this introduced, giving the opportunity to develop activities that will be able to improve Occupational Health standards, reduce the accident rate and eventually the contribution of their contribution, obtaining thus, greater productivity, profitability and a better work climate.