Life Insurance
A policy that covers the risk of death, survival and disability. It covers risks that may affect the existence, integrity or health of persons.
Insurance coverage
It covers all beneficiaries of a housing loan granted by Fondo Nacional del Ahorro, whether through Voluntary Savings or through Cesantías, including cases in which the financing is held by two persons (joint loans). This insurance covers the outstanding balance as of the date on which an event occurs (death, serious illness, total and permanent disability).
Documents required according to type of claim
Documents for: Death
A formal claim, submitted via a written statement duly signed by the affiliate or beneficiaries, reporting the occurrence of the events, the affiliate's personal details, and a telephone number and address for the delivery of correspondence.
Photocopy of the identity document.
Certified copy of the Civil Registry Death Certificate, issued by a competent authority.
Service points
At any service point nationwide
Important information
You must complete this procedure within two years from the date on which the event occurred (death, total disability or serious illness).
You may contract Fire or Earthquake and Life insurance policies with another insurer independently (provided that the terms of the insurance are at least equal to those set forth in the bid specifications), in accordance with the provisions of article 3.26.2.5 of Decree 2555 of 2010 and subsections 1.2.2 and 1.3.1 of Chapter I, Title III, Part I of the Basic Legal Circular (C.E. 029 of 2014).
The term for the insurer's resolution of the claim, as well as its payment, is completed within the month following the complete submission of documents in accordance with the provisions of the Commercial Code Art. 1080 and Art. 1077.
The above information is general, so the documentation required to process the claim may vary depending on the particular conditions of the event, also clarifying that coverages may vary during the term of the loan.