What legal procedures does a funeral insurance process?

A funeral insurance takes care of the material and emotional needs of a family when the insurance holder dies. This type of insurance also covers other coverages to enjoy during the years of life, such as private health with discounts, medical advice via telephone, etc.

What death insurance covers after the death of a family member are the funeral services and burial, which includes the expenses of the funeral home, coffin, obituaries, hearse and cremation or burial, among many others depending on each insurer.

Death insurance, too, helps family members not have to be involved in thousands of papers. An insurance company, generally, is in charge of the registration in the civil registry, removal of the family book, request for the orphan’s or widow’s pension, removal of social security, life certificate, death certificates and wills, application for the death certificate, request for the certificate of coexistence.

Many insurers cover different complementary coverage, in the most common we find wills, psychological care, travel assistance for the companion of the deceased person who owns the insurance, preservation of DNA, digital life draft. Depending on the insurance that is contracted with the insurer, you will obtain benefits in life or others such as dental insurance coverage, private health, free telephone attention, psychological attention, etc.

“On many occasions when someone close to us dies, we do not know how to start managing all the procedures that have to be done” (Photo: E&J)

A relative has passed away, now what?

On many occasions when someone close to us dies, we do not know how to start managing all the procedures that have to be done. When you have a funeral insurance, they take care of all the paperwork. It is important that you have the National Identity Document or the Passport of the deceased person at all times, since it will be necessary to process the different documents.

Having the necessary documents is one of the first procedures that must be carried out so that the funeral home can organize the burial. The documents that are needed in the first place are, medical death certificate, court order, death registration, cremation license, withdrawal from social security.

In addition to processing documents, there are other matters to resolve when a relative dies. For example, respect your last will. To request the certificate of last wills you must fill in the printed 790 or obtain it in person at the Territories Management Offices. In the event of a will, the heirs They must go to the notary where it is deposited. If, on the other hand, there is no will, the Certificate of Last Will will inform of this circumstance and the heirs will have to go to a notary or to the judge, depending on the degree of kinship, to make the declaration of heirs and distribution of the inheritance, if any.

When you have a funeral insurance, in most insurers such as NorteHispana, they have the possibility of drafting the will via online. That is, you can compose your hereditary, vital and joint will from home with the help of a lawyer to resolve any of the issues that may arise. In addition, insurers are also responsible for controlling the information of your online legacy and erasing the data from your fingerprint once you have passed away.

Have a death insuranceAnd in turn with a will, you can save a lot of headaches and money. In Spain, deaths have a high level of costs, and this can be a problem. If you have insurance, you will not have to pay just amounts of money, only that which is not covered by said insurance that you have contracted. In addition, the day that the person who owns the insurance is gone, all the procedures to follow for the family members will be much easier, since it will be the agency of the insurer who is in charge of all these documents.


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