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Life insurance lawyers in Madrid

Life insurance lawyers in Madrid. Experts in claims to recover what you are owed. Call us and ask our experts.

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01 Claiming on the policy
02 Exclusions from cover
03 Arts. 10 and 89 of the Insurance Contract Act
04 Looking at your case
01 — What we do

What the company argues and how we answer it

Nearly all refusals follow the same patterns. And nearly all of them have an answer.

What the company argues and how we answer it

"They did not declare an illness"

The insurer can only rely on the omission if the health questionnaire was carried out as the law requires, and it was often filled in by the salesperson.

"The policy was still in the waiting period"

We check whether the waiting period is a limiting clause and, if it is, whether it was highlighted and expressly signed.

"The event is excluded"

We check whether the exclusion is a limiting clause and whether it meets the formal requirements for it to apply.

"There is no record of any policy"

A search of the Spanish register of death cover insurance contracts to find out which policies existed and with which company.

"The beneficiary is the bank"

With policies tied to a mortgage, we claim that the debt is cleared and that anything left over reaches the beneficiaries named in the policy.

"It is time-barred"

We look at when that period started running, which is not always the date of death.

02 — The service

Is the insurer refusing to pay out on the life policy? We claim what your family paid for.

Escalera & Tuset · Civil law · Madrid

You are looking for a law firm that will look at your case rigorously.
Not sure? Give us a call 911 923 480 We reply within the same working day. First consultation free.

«Excellent treatment and outstanding professionals. Thanks to Pepe Dominguez Tuset, who resolved my problems.»

Ritesh
Google review · 10 months ago
4,6
10 reviews on Google ↗
03 — How we start

This is how we start to resolve your case

You will know who is handling your matter, what your options are and what it is going to cost. No surprises.

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  1. You call or write to us

    On +34 911 923 480 or through the form. We get back to you within the same working day.

  2. We study the case

    We review the documents and tell you what your real options are, with their deadlines and their risks.

  3. A fixed quote

    We give you the cost of the solutions on the table before we start. With no obligation.

  4. We get to work

    A named lawyer handles your matter and keeps you informed at every stage of the procedure.

04 — Questions

What people ask us before they instruct us

Claims arising from personal insurance become time-barred after five years. What matters is when that period starts running, and we check that in your case.

15 working days after the death, you can ask for a certificate from the Spanish register of death cover insurance contracts, which shows which policies they had and with which company.

Only in certain cases. The company has to have asked about it in a health questionnaire carried out properly. If it did not, it generally cannot rely on it.

The payout goes to clear the debt with the bank and, if anything is left over, it belongs to the beneficiaries. We claim that it is applied that way.

The Escalera & Tuset team at work in the office
05 — Quote

Tell us about your case. We call you today

First consultation free and with no obligation.

911 923 480

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06 — In detail

More about life insurance claims

A practice specialising in life insurance claims

Your relative has died after paying life insurance premiums all their life, and the insurer will not pay out. You do not understand the excuses they are giving you and you think you are being misled. You need to work with specialist professionals to sort your problem out.

You need a practice specialising in life insurance claims so that you can get the money that belongs to you. You do not want to waste time preparing documents or making claims that go nowhere. Let the experts do the work so that you do not have to worry about anything during your claim.

What life insurers rely on to exclude cover

Insurance companies offering life cover can cancel your relative's policy and refuse to pay you. That happens where the person who took out the policy knew they were going to take their own life and wanted to leave a payout to their family; where you had an illness when the policy was taken out and did not tell the insurer; or where the claim is not made within the stated period. That is why it is always worth getting in touch with a law firm specialising in life insurance claims.

Articles 10 and 89 of the Spanish Insurance Contract Act

Many insurers also rely on the Insurance Contract Act in order not to pay out. Article 10, for example, provides: "Before the contract is concluded, the policyholder has a duty to declare to the insurer, in accordance with the questionnaire the insurer puts to them, all the circumstances known to them that may affect the assessment of the risk. They are released from that duty if the insurer does not put a questionnaire to them or where, even having done so, the circumstances that may affect the assessment of the risk are not covered by it."

They also use article 89, which allows them to challenge the contract within one year of it being signed: "Where the policyholder has been reticent or inaccurate in their declarations in a way that affects the assessment of the risk, the general provisions of this Act apply. The insurer may not, however, challenge the contract once one year has passed from the date it was concluded (...)."

How we make the claim on your life policy

We look at your case in detail

No two cases are the same. Each one has to be looked at carefully and in detail in order to offer you the right way to claim on your life policy.

We handle the court claim

You do not want to worry about anything. That is why you need to work with a law firm in Madrid that takes on handling the court claim from the outset and gives you the best service.

We offer a better chance of success

You are looking for a law firm that will look at your case rigorously. That is only possible with experience in claims of this kind.

Claim on your life policy with us

If you are looking for a law firm to claim against your life insurer in Madrid that meets all of the above, you are in the right place. Escalera & Tuset offers you the answers to your problems. If you have any question, do not hesitate to fill in the form on our website. If you prefer, you can call us on the phone. We will be glad to help.

Also in civil law

A firm specialising in civil law. Expert lawyers working from Madrid across Spain. Specialists in civil claims and litigation.

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