Accidents happen, they are part of life. These are the terrifying surprises that the simple facts of life have in store for us. There are many people who have life or personal injury insurance, but have we warned who we list as beneficiaries?
In most cases, we will sign the insurance and arrange the beneficiaries without remembering to notify you. Perhaps, just because of the pain, we forgot that this person had thought of putting us in a better financial situation.
The point in this case is that the contracted funds end up being delivered to the people we hire for the organization.
Therefore, there is a central registry that allows you to check if you are a beneficiary. Provide only the documentation that supports your request.
where do i get this information
To make a formal request, please complete the “Request for Information on Life, Accident and Capitalization Insurance Businesses” form, which is available on the Supervision of Insurance and Pension Funds (ASF) website.
What is needed to complete a consultation?
To submit an application to the Insurance and Pension Funds Regulatory Authority, the following documents are required:
Death certificate or declaration of presumed death of the future insured/applicant;
Civil and financial identification documents of the applicants and/or interested parties;
If the application is presented by a representative, documentation that accredits this quality;
If the request is made by a legal person, accreditation is required in the Mercantile Registry.
What happens if you don’t name a beneficiary?
Ideally, they should be distributed as soon as possible, however, in the event of death, since no beneficiaries are assigned in life insurance, the compensation will go to the legal heirs of the deceased; however, if none of this information exists, the heirs must initiate what is known as legal inheritance, a legal process in which a judge appoints a beneficiary.
How do you know if you are a beneficiary of life insurance?
This consultation is also carried out online through SIAB-VIDA or in person at any subdelegation of the Condusef. The program is free and requires originals and copies of the following documents:
- Valid official identification
- death certificate
- Birth certificate (in the case of a minor, the father will exercise parental authority on his behalf)
- Power of attorney (when proceeding through an agent)
- SIAB-VIDA application officially completed
