If you are looking for information on how much does death insurance for the over 60s cost, you are taking an important step towards foresight and peace of mind. Many people at this age begin to think about leaving everything organized so as not to burden their loved ones with unexpected expenses.
In this article we explain in a clear and simple way, everything about funeral insurance, what it is, why you might be interested in taking it out and how much it can cost.
What are death insurance policies for the elderly?
A death insurance policy for the elderly is a type of policy that covers the expenses and formalities associated with the death of the insured elderly. This includes everything from funeral services to legal advice, transfers, burial or cremation, and other additional services.
In simple terms, it is a death insurance that allows you to leave everything foreseen, facilitating a moment that is already complicated for family members. Adeslas offers solutions specifically designed for seniors looking for complete coverage, personalized attention and absolute peace of mind.
What is the minimum age to take out a death insurance policy?
Generally, death insurance can be taken out from a very early age, even from birth. However, most insurance companies offer different conditions from the age of 60 or 65, since age increases risk factors.
With Adeslas, you can take out specific plans for people over 60 years of age, with options adapted to this stage of life, both in terms of coverage and payment methods.
Reasons for taking out a funeral insurance policy
Taking out a death insurance policy is especially relevant in certain cases. For example, after the age of 60, when more and more people are thinking about leaving everything related to their farewell. Or where personal or working conditions may involve greater risks, as in the case of certain demanding or risky professions or occupations.
The following are some of the most common reasons for taking out funeral insurance:
- To avoid the family facing the complication of having to pay the price of an uninsured burial, which can exceed 3,500 euros in Spain.
- To have a comprehensive service that takes care of all the procedures and formalities.
- Choose funeral details in advance.
- Access additional services such as wills, legal advice or travel assistance.
- To have immediate attention anywhere in the country or abroad.
Types of death insurance for people over 60 years of age
In Adeslas you can choose between different types of funeral insurance, according to your needs and preferences. The two main options for the over 60s are:
Decesos Todo Previsto
It is a flexible plan that adapts to the place of residence and your personal preferences. In addition, it can be contracted with different types of premiums: level, semi-natural or mixed.
This plan is oriented to those who want to have everything planned without surprises. It covers:
- Death insurance (full funeral service)
- Domestic and international transportation
- Document and certificate management
- Emotional support to the family
- Legal and administrative assistance
Adeslas Decesos Plus
Adeslas Decesos Plus is designed for those who want maximum coverage, with total comfort and personalized attention. It is the most complete and personalized option. It includes all of the above, but adds:
- Free online and notarized will
- International repatriation (in case of death abroad)
- Family psychology service
- Travel assistance with medical and legal coverage
- Review and update of the will
Price of a death insurance policy for people over 60 years of age
In order to determine how much a death insurance policy for the over-60s costs, several factors must be taken into account. For example:
- Exact age of the insured
- Type of premium chosen (natural, level or mixed)
- Place of residence
- Services included
Generally speaking, a person between 60 and 70 years of age can pay between 20 and 40 euros per month for a full coverage funeral insurance policy. From the age of 70 onwards, some insurers choose to offer a single premium modality, with a single payment of between 5,000 and 7,000 euros, depending on the services included.
The cost of an uninsured burial can be a major financial blow to any family, but having a good policy in place can prevent this type of situation.
At Adeslas you can request a personalized, no-obligation quote, adjusted to your age, your needs and your place of residence.
Additional coverages designed for seniors over 60 years of age
In addition to the funeral service and the management of formalities, funeral insurance for the over-60s usually includes coverages that provide added value at this stage of life. These include:
- Preparation and custody of online wills.
- Post-mortem management service, to process inheritances and pensions.
- Travel medical assistance, which covers medical emergencies while you are away from your place of residence.
- International repatriation, very useful if you live part of the year outside Spain or if you usually travel abroad.
- Psychological attention to the family, in especially sensitive moments.
These coverages allow the insurance to adapt not only to the moment of death, but also to many previous needs that may arise with age.
Why take out funeral insurance with Adeslas?
In Adeslas, exclusive agent of SegurCaixa Adeslas, we offer complete, flexible solutions adapted to each stage of life. Our team is available to answer your questions and help you choose the plan that best suits you.
Knowing how much death insurance for the over-60s costs is the first step in making a smart, responsible decision for the well-being of your loved ones.
Visit us and let us advise you to hire the best funeral insurance without obligation. Because peace of mind is also planned.
You’ll be surprised how easy it is to keep everything well organized!
