The Registry of death coverage insurance contracts depends on the Ministry of Justice and in it all life insurance contracts (with death coverage) and accident insurance covering the insured’s death must be registered, excluding those in which the policyholder and the beneficiary are the same person, those constituted by companies in favor of their workers as pension plans and those subscribed by social welfare mutuals that act as an instrument of social, business, mutual societies of professional associations and those that only dedicate themselves to grant education benefits or subsidies.
In addition, it is not only mandatory to register these insurance contracts, but insurers operating in Europe must register in this Registry for the purposes of advertising. Mandatory, the following information must be registered: identification of the insured, identification of the insurer and of the coverage and number of the insurance contract.
These data will be cancelled from the Registry when 5 years have elapsed from the date of the insured’s death or when the Registry has received communication from the insurer that the benefits or benefits have been paid to the beneficiary.
You can apply for a certificate that confirms the existence of a Life Insurance in the name of the deceased once 15 days have passed since the date of passing. You need the death certificate to do so. You can apply in person, by mail or telematically if you have a digital certificate installed on your computer. For the last option, it only takes up to 48 hrs to receive the certificate. By post, 7 working days. You need to pay an administrative fee ‘tasa’.
In case the deceased has made a testament, the notary in charge is obliged to officially declare whether there is a life insurance in place or not, so in those cases, he will carry out the application for a certificate from the Register.
A death, apart from sad news can be expensive for family members who survive the event. Being a beneficiary of one of these life insurances can ease this economic burden a bit. The possibility of obtaining this information in a short time, is an extra help in the face of these events that can be bureaucratically slow.
Further info in Spanish HERE.
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