2.- WHAT DOES LIFE INSURANCE COVER?
Basically if you die or become totally invalid, but it can be extended to more coverage.
If you are going to get life insurance, you should tell your insurance broker what your hobbies are, because some insurance excludes death during the practice of risk sports. That is, if you are passionate about bungee jumping, you should ask to be covered as well.
Your insurance company will not be responsible if your heirs decide to take you out of the way to collect: let them know. And he won't want to know anything if you die from traveling to a country at war. Nor can you commit suicide during the first year of having life insurance (we advise you never to do so).
In terms of disability, life insurance generally only covers it if it is total, but you can choose a broader policy.
Read the conditions of your life insurance to know what is excluded. Life insurance is very cheap and, of course, it has limitations. But if you want, you can cover additional risks with a higher cost.
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