Colectivos de Vida Riesgo

The most flexible solutions, always in line with the collective workers' agreement or equivalent provision, and ensuring proper disclosure of the company's legal obligations to its staff in the event of death or permanent disability.


    Guarantees a capital payment or regular income for the beneficiary of the insurance in the event of the death of the insured party due to any cuase during the contract term. The contract term is annual, automatically extending upon maturity by further one-year periods, unless commanded otherwise by either party.

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    Risk Insurance guaranteeing payment to a company's employees in the event of:

    • Death: Guarantees a capital settlement or income for the Beneficiary in the event of death of the insured party due to whatever cause.
    • Accidental death: In the event of accidental death, the recipient will receive a capital settlement in addition to the settlement stipulated by the main guarantee.
    • Death caused by traffic accident: This guarantee is contracted in conjunction with the guarantee for accidental death and it guarantees the insured party a capital settlement in addition to the equal or lower amount of the accidental death guarantee.
    • Absolute and permanent disability: The insured party is guaranteed the capital settlement established in the policy, rescinding the remaining guarantees.
    • Total and permanent disability: In the event of total disability, rendering the insured party unable to perform his/her habitual work tasks, he/she shall receive the capital settlement established in the contract.

    In addition to offering highly competitive prices, these insurance policies include a Profit-Sharing Clause, entitling the insured party to receive a bonus in the event of positive results due to low accident claims rates.


    Insurance brokered by BANKIA MEDIACIÓN Operador de Banca-Seguros Vinculado, S.A.U. (NIF A-40148884) and registered office at Pº Castellana 189, 28046 Madrid. Insurance agency contracts signed with Mapfre España, Mapfre Global Risks and Bankia Mapfre Vida. companies 916 346 962