Group Life Insurance
This focuses on the employer’s protecting the employees’ family members.
Or if you prefer to call us at
Coverages
MAPFRE LIFE underwrites the selected Life Insurance option. Life benefits may be established by providing basic coverages in Classes, Positions, or multiple salaries of the work force.
The Life Insurance benefit also includes coverage for Accidental Death, which provides a double compensation benefit of the basic coverage.
Accidental Dismemberment is an additional part of the Life Insurance package, a compensation equal to 50% of the basic benefit for the accidental loss of a limb or 100% for the loss of 2 limbs.
The Common Carrier clause in the Life Insurance benefit provides three times the payment of the basic benefit in the event that the insured employee dies while he or she is a passenger on a public transportation system.
Life Insurance Optional Benefit
The Life Insurance Optional Benefit may be offered to employees under a basic coverage at 100%, 200%, 300%, or 400%. As an optional benefit, all coverages in excess of basic coverage are subject to the presentation of evidence of insurability.
Dependant Life is another optional benefit. Coverage for spouse and children is also available through the employee group coverage.
Benefits and Advantages
Through life and disability insurances for business, MAPFRE LIFE offers a number of benefits and advantages detailed in the general and special conditions of their policies.
The Group Life Insurance of MAPFRE offers you the following benefits and advantages:
Benefits
It is an effective police for protecting the family of an employee in case of disaster.
Accidental Dismemberment
Benefits can be established providing covers based on classes, positions or multiple salaries of the workforce.
Additionally, the cover includes Dismemberment by accident.
Common Carrier
Includes Common Carrier clause: provides three times the basic benefit payment established in the general and special conditions of the policy if the insured employee dies while being a passenger of a public transportation system.
In addition, the Group Life Insurance benefits to policyholders with optional covers:
Optional Benefit Life Insurance
Can be offered to employees under a basic cover 100%, 200%, 300% or 400%.
Dependent Life
A cover intended for the wife and children.
In this sense, MAPFRE offers its insureds other benefits, such as a telephone service, available 24 hours. Through MAPFRE Contact Center users who need to know more about the policy or any questions will be attended by telemarketers with extensive knowledge in Group Life Insurance. In addition insured, employers and providers of MAPFRE have at their disposal a contact center Telephone directly related to health services.
Through our pioneering digital transformation we also provide Health Portal that allows direct access to specialized staff to meet needs and provide guidance to both providers and employers and insureds.
General Conditions
MAPFRE LIFE offers, for all its insurances and services, a number of general conditions which indicate the covers established for each product, its benefits and advantages, limits and restrictions to consider to get the maximum benefit from your policy.
Group Life Insurance of MAPFRE is a policy designed to protect family members of employees by the employer.
The benefits to policyholders, as established in the general conditions of the policy, can be established providing covers based on classes, positions or multiple salaries of the workforce. Additionally the insurance includes a cover for Dismemberment by accident and Common Carrier clause.
In addition, MAPFRE offers the possibility to add additional covers such as Optional Benefit of Life Insurance or Dependent Life cover, for the protection of the wife and children of the insured.
Requirements and Restrictions
Life and Disability Insurances of MAPFRE indicate, through its general conditions, a number of requirements and restrictions that policyholders must know and consider when register or request the services of the Company.
Group Life Insurance of MAPFRE establishes the following requirements and restrictions:
- Suicide or death from wounds inflicted by the insured himself, or by an eligible family member.
- Injuries received while the insured is a member of the armed forces of any country or international authority.
- Injuries received by the insured while participating in any tournament aviation or speed.
- Injuries received while the insured is pilot or the crew of an aircraft.
- Injuries received by the insured while he/she is committing an assault or is participating in a criminal act or as a result thereof.
- Injuries received while the insured is under the influence of alcohol or alcoholic beverages, use of drugs, narcotics or hallucinogens, except those taken by prescription.
MAPFRE is not liable for damage not covered by the agreement with the Company.
Recommendations for use
MAPFRE shows a series of recommendations for use for people who are considering the possibility of hiring a Life and Disability Insurance or for those who already have their covers, to know what the right processes are to get the maximum benefit from the insurance.
Recommendations for use before hiring a Group Life Insurance:
- MAPFRE LIFE recommends a careful reading of the general and special conditions of the policy and covers included by the Company.
Recommendations for getting the maximum benefit of Group Life Insurance:
- It is important that policyholders know what are the exactly dates of start and end of the agreement, as outside this period, the Company is not liable for compensation previously agreed.
- Users who need to resolve any questions in relations to Group Life policy can contact the telephone service for customers of MAPFRE or go to any of the offices throughout the island of Puerto Rico.
- MAPFRE offers policyholders a series of processes for making claims that users should comply to benefit from the policy covers.
- The Company establishes a number of limits on their covers and is not responsible for damages or related expenses that exceed such amounts.
- Claims must be submitted in the period established by MAPFRE in the general and special conditions of the policy.
Life and Disability Services for my Business
Check the services related to Life and Disability insurance for business offered by MAPFRE PUERTO RICO.
Services
Office Network
Find our office network, general agencies or authorized representatives.