The elderly are increasingly visible in our society. This is, among other things, because each time the older generations are more important in the population, thanks to the excellent news that involves the displacement of longevity. To face this stage with the greatest peace of mind, there are insurances designed exclusively for the elderly.
The good news, however, must be taken care of. Old age does not have to be a difficult time in life if your risks are prevented with time. In this positive experience, insurance has a very important role to play. And there are several examples of this.
In the first place, since it plays a central role in the life of the elderly, we must point out the health insurance . If you are one of those who think, or have heard, that health insurance does not admit older people, you must know that you are wrong. In fact, a third of the health insurers are already, at least, in the sixth decade of their lives . Health insurers, in addition, are mostly adhering to a code of good practices that prevents precisely that treatment that is sometimes taken for granted.
For the time when health gives more problems than usual is the insurance dependency .
Still not as developed in Spain as in other countries, dependency insurance is studied to precisely cover the situations in which we need help to perform the basic activities of our daily life. It is, then, like a cane; but much more efficient.
As the most important thing, at all times of life, is to have resources to be able to live it, you must not forget the life-saving insurance and, within them, very particularly, annuity insurance . An annuity insurance is an insurance that guarantees a regular payment, usually monthly, until you die, live what you live. And it is an insurance especially linked to the elderly because our tax system promotes, with very attractive tax benefits, that the accumulated savings during working life will be charged, as of retirement, as the public pension is charged, that is, in the form of a monthly annuity. Also, our tax system also provides that, if you are 65 or older, you use the money that you have obtained from the sale of an asset of your property (a second home, shares, investment funds …) to reinvest it in a life annuity, the capital gain that you have been able to obtain can be totally exempt; you will not have to pay taxes for it.
Although it may not seem like it, there are insurances that can help you a lot. The home insurance , for example, help you with problems that may arise in your house. Problems that, perhaps, when you were younger you solved yourself, but now maybe you do not have as much desire to put yourself into it. And, of course, if, like many elderly people, you decide that the time has come to travel, do not forget that there are specific assistance insurance that will help make the experience unforgettable.