In recent years, we have become concerned about the downward trend in adhesion among new members, especially the youngest, since this type of insurance can only be maintained at competitive prices if there is a significant number of members attached to each section old.
Usually, an annual and renewable life insurance, its premium increases year by year, being excessively high in higher age groups, and always with an established limit that does not usually exceed 70 years. At that time the insurance is withdrawn, having paid significant amounts that, like many other insurances, are not recoverable.
In the case of a Whole Collective Life insurance, there is no age limit, so the compensation will ALWAYS be received by the designated beneficiary / s.
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In addition, the premium is very competitive with respect to the market.
For many years, the premium has been kept constant in only two age groups:
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