Term Life Insurance
Protection by the Term chosen 10, 15, 20, 25 and 30 years.
Product summary
Individual plan
The policy provides coverage for a certain period and provides a certain level of coverage. This type of insurance can be purchased for 10, 15, 20, 25, or 30 years.
This type of insurance is very easy to obtain and affordable. Life insurance offers flexibility based on your needs and an established term.
Benefits
- Life Insurance offers protection for a determined time of 10, 15, 20, 25, or 30 years.
- Pays the amount of insurance to the designated beneficiary when the death occurs of the insured.
Contract disposition
- Insurance coverage starts at $25,000.
- Additional time may be required for refurbishment.
- It can be converted to general life insurance and the policy is subject to a maximum age determined for each term. The accelerated payout for accidental death.
- Various endorsements are available to extend coverage.
Payment methods
These are the payment methods available to purchase your plan.
Frequently asked questions
We leave you some of the most frequently asked questions about our plans
What should I do if I want to reinstate my life policy?
You just have to fill out the Reinstatement Application and send it in original format, with the payment of all premiums owed by regular mail to: Puerto Rico Life Insurance Cooperative, COSVI Attention Issuance Department PO Box 363428 San Juan, P.R. 00936-3428. You can also deliver it to any of our offices or through your Authorized Insurance Representative.
What alternatives do I have to obtain a life insurance in COSVI without a need to go through a medical exam?
We have some examples available that are generation 40/80 and Cosvi Serena.
What tests are covered under the benefits of preventive exams?
The only ones that are covered are the ones established under the policies; mammograms, PAP tests, exams for the prostate, specific antigen tests, and tests to determine blood occult in your stool.
The IIT policy does it have a waiting period?
Yes, it does have a waiting period. If the claim is denied due to the pre-existence of the personal loan and the member has had a loan before.
What should I do to change the frequencies of payments?
If you wish to change the frequency of payment, you should speak to an authorized representative or a police repair specialist.
What if I want to purchase an additional cover?
You can contact the Life Insurance Cooperative of Puerto Rico, COSVI at 787-751-7373 where an Authorized Representative will guide you on the insurance policies and endorsements that we have available. You can also contact your insurance agent directly.
Steps to acquire your insurance
In just three steps, you can get the policy you are looking for.
Initial Consultation
In your initial orientation appointment, the objective is to establish good relations hear youcarefully and make adequate questions to know which you are needs a free consultation.
Evaluation
Depending on your needs, we evaluate the different products beneficial for you.
Presentation
Besides your resume, we will continue to evaluate all information provided to recover your situation and confirm your needs. We propose an action plan that identifies and explains different products and alternatives that meet your needs. If you agree with our recommendations, we help you get the product.
Orientación Inicial
En la cita inicial el objetivo es establecer una buena relación, escucharle detenidamente y hacerle las preguntas adecuadas para saber cuáles son sus necesidades.
Evaluación
Dependiendo sus necesidades, se evaluarán los diferentes productos de mayor beneficio para usted.
Presentación
Además, de resumir la situación, confirmar sus necesidades se procede a evaluar toda la información provista, se presenta un plan de acción en el que se identifican y explican los diferentes productos y alternativas que satisfagan sus necesidades. Si usted está de acuerdo con las recomendaciones, se le ayuda adquirir el producto.
What our clients are saying
Look what are insured have to say about our policies and our services.
I was treated very kindly and promptly.
Very well located and a wide variety of insurance products.
Good service, I won't let them.
Tremendous company. It is by appointment, at the moment, they are very helpful and fast, you do not waste time. Make an appointment by phone and that's it!!! Good service.
Excellent customer service.
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