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More than just funeral insurance. Enjoy a comprehensive Wellness Programme, Dental Plan, Travel Assistance, 24-hour Telemedicine and Senior Assistance to take care of you and your loved ones at every stage of life.
Insurance to Enjoy Life: Wellness Programme
- Physical Health: Get Fit and Nutrition
- Emotional Health: Stress Management and Sleep
- Prevention: Smoking Cessation
Senior Protection: Specialised Care (+50)
- Personal Doctor and Telecare
- Dependency and Home Help Manager
Classic Coverage: Total Peace of Mind
- Funeral and Transfer Management
- Worldwide Travel Assistance
Your idle money also makes a decision: not to grow.
Discover a savings solution tailored to large US companies, as part of the GENERALI Flexible Selection Fund. You set the target; together we choose a strategy that aligns with your time horizon and risk tolerance.
You don’t need to try to predict the market. You need a plan.
The key is not to chase the news of the day, but to develop a strategy that you can stick to when the market is rising… and also when things get dramatic.
Growth potential
Access to equity funds and other asset classes with a view to achieving medium- and long-term returns, whilst accepting the associated risk.
Diversification
Investments can be spread across different funds, fund managers, geographical regions and sectors. Less of an “all-in” approach; more strategy.
Real flexibility
You can make regular or one-off contributions and request changes to the allocation of funds, subject to the product’s terms and conditions.
Personal advice
Before we talk about funds, let’s talk about you: your objectives, time horizon, liquidity requirements, experience and ability to withstand losses.
Easy to follow
Check the status and performance of your investment in the ‘Personal’ section and on the MI GENERALI app.
Additional protection
As this is a life insurance policy, it includes a death benefit for the beneficiaries, subject to the specific terms and conditions.
A strategy focused on companies that drive the US economy.
The Dow Jones Industrial Average is a price-weighted index comprising 30 major US companies. This page aims to provide diversified exposure to major US companies through the funds available from GENERALI.
- ✓Long-term approach: Designed for those who can let their investment grow over years, not weeks.
- ✓Personalised selection: The final allocation depends on your profile, your objectives and the range of funds currently available.
- ✓No false promises: There is no guaranteed return and the value may fall.
*“Dow Jones Portfolio” is a descriptive term used on this landing page to illustrate a suggested investment strategy. It is not the official name of a fund and does not imply an exact replication of the index.
It might suit you. Or it might not. That’s precisely the important conversation.
It might be for you if…
- You have a medium- or long-term goal.
- You can keep a separate emergency fund.
- You accept that there will be ups and downs.
- Would you like to make regular small contributions or make an initial contribution?.
- You value receiving advice and support.
It shouldn’t be your first choice if…
- You’ll need the money in a few months’ time.
- You wouldn’t accept temporary or permanent losses.
- Are you looking for guaranteed capital or returns?.
- You’re spending the money set aside for basic living expenses.
- You don’t want to take the suitability test or check the documentation.
Consistency tends to make more of an impact than a single major contribution.
It calculates a hypothetical scenario. It is neither a forecast nor a promise: it helps you visualise how time, your contributions and a rate of return chosen by you will affect the outcome.
A rough estimate, not taking into account costs, taxes, inflation, fluctuations or any potential penalties. A positive return is not guaranteed; losses may also occur.
First, we understand the objective. Then we discuss the investment.
Initial conversation
What do you want to achieve, how long will it take, and how much can you set aside without jeopardising your day-to-day life?.
Investor profile
We assess experience, knowledge, risk appetite and tolerance to volatility.
Proposal
I’ll explain the structure, the costs, the risks and the alternatives in plain language. No financial jargon.
Follow-up
The investment doesn’t end once you’ve signed. We check whether the strategy still makes sense for your objective.
Tell me what you want to achieve.
Fill in these details and WhatsApp will open with a pre-written message. Nothing is sent automatically.
The important things, with no hidden small print.
Before you can be hired, you will need to have your profile assessed and read the current pre-contractual documentation.
What is GENERALI Flexible Selection Fund?
This is a unit-linked life insurance policy. Your contributions are linked to the investment funds available within the product, and you bear the investment risk. It also includes a death benefit, depending on the policy option taken out.
Does the “Dow Jones Portfolio” track the index exactly?
Not necessarily. Here, we use the name to describe a suggested portfolio focused on large US companies. The final composition is determined by the funds available and must be tailored to your investor profile.
How much do I need to start with?
GENERALI’s current product information indicates regular contributions starting from €40 per month or a one-off contribution of €1,500, subject to the terms and conditions of the policy and the chosen plan.
Is my capital guaranteed?
No. The value depends on the performance of the funds. It may rise or fall, and you may end up getting back less than you invested. Past performance is no guarantee of future results.
Can I withdraw the money?
The product allows for full or partial redemptions. However, early withdrawal may incur costs or penalties, particularly during the first few years, depending on the type of product and the pre-contractual information.
What is the recommended timeframe?
It is designed for medium- and long-term objectives. The Key Information Document uses a recommended 10-year period for its scenarios, although the appropriate time horizon depends on the funds and your personal circumstances.
Can I change the investment allocation?
Full or partial transfers between the available funds may be requested in accordance with the product terms and conditions. The range of funds on offer may change over time.
What are the risks involved?
It depends on the chosen combination. The sales prospectus for the Flexible Selection Fund classifies the available options as falling between levels 3 and 5 on a scale of 1 to 7. A portfolio focused on US equities may experience significant volatility.
How is it taxed?
Taxation depends on the legislation in force, the method of redemption and your personal circumstances. Before taking out a policy, it is advisable to check the applicable tax treatment and, where appropriate, consult a tax adviser.
What happens if the insured person dies?
Beneficiaries receive the benefit specified in the policy, which combines the accumulated fund with the additional death benefit corresponding to the policy option taken out.
Is this an automatic recommendation?
No. This page is for information purposes only. A specific proposal can only be drawn up after assessing your knowledge, experience, financial situation, objectives and ability to withstand losses.
Do you have any official connection with S&P Dow Jones Indices?
No. This proposal is not sponsored, endorsed, sold or promoted by S&P Dow Jones Indices. The use of the name is purely descriptive and does not imply an exact replica of the Dow Jones Industrial Average.
Important information: General advertising content. This does not constitute financial, tax or legal advice, nor is it a personalised investment recommendation. GENERALI Fondo Selección Flexible is a unit-linked life insurance policy in which the policyholder bears the full investment risk.
The value of your investment may rise or fall, and you may recover less than you contributed. Past performance is not a guide to future results. Costs, charges, risks, potential penalties and death benefits are set out in the current pre-contractual and contractual documentation.
Source of information on the index: S&P Dow Jones Indices. The Dow Jones Industrial Average® is a price-weighted measure of 30 leading US companies. Dow Jones®, DJIA® and The Dow® are trademarks of their respective owners. This page and the proposal described herein are not sponsored or endorsed by S&P Dow Jones Indices.
What exactly does the funeral guarantee cover?
We take care of everything: coffin, hearse, funeral parlour, flowers, religious service and administrative procedures. The insured capital is adjusted to the costs in your locality and, if there is any money left over, it is returned to the beneficiaries.
If I die outside my city or abroad, what happens?
We include full national and international transfer. We transport the deceased from anywhere in the world to the cemetery chosen by the family in Spain, with no mileage limit or additional cost.
Do you assist the family with the paperwork after the death?
Yes. Our administrative service takes care of processing the death certificate, last will and testament, widow's or orphan's pension, and Social Security deregistration, so that your family does not have to worry about the paperwork.
What is "Digital Life Erasure"?
If the family requests it, we take care of removing the deceased's digital footprint: we close social media accounts, e-mail accounts and blogs, and manage the cancellation of digital subscriptions.
Can I use the insurance if no one has died?
Of course! You have immediate access to Travel Insurance, the Dental Plan and the Wellness Programme: 24-hour video medical consultations, nutritional advice, programmes to help you quit smoking and stress management. It's insurance to enjoy life.
What does dental coverage include?
It includes a free annual dental cleaning, X-rays and simple extractions at no cost. You also have access to a network of dentists with prices well below those of the private market. For children under 14, many treatments are free.
How does the Second Medical Opinion work?
In the event of serious illness, we will arrange and cover the cost of an assessment of your diagnosis by renowned international experts, without you having to travel.
Do I have medical coverage when travelling abroad?
Yes. The policy includes worldwide travel assistance with up to €35,000 (depending on the type of cover) for medical, surgical and pharmaceutical expenses abroad, as well as unlimited medical repatriation.
What is "Senior Protection" and who is it for?
This is a specific type of policy for people aged between 50 and 80. It allows you to pay the premium only up to a certain age (e.g. 75) and then stop paying while maintaining lifetime coverage.
What specific services do you offer for the elderly?
We include a telephone «Personal Doctor» for continuous monitoring, free telecare (6 months) in case of convalescence, and a Dependency Manager who advises on public assistance and nursing homes.
What assistance do you offer in the event of hospitalisation?
If you are hospitalised, we offer personal assistance at home (cleaning, companionship), delivery of medicines (telephone pharmacy) and care for pets or children if you are unable to look after them.
Can I make a will with this insurance?
Yes. We include a free online and notarial will service, as well as advice on living wills (advance directives) and holographic wills.
Up to what age can I take out this insurance?
The Family plan can be taken out up to the age of 70. For those over 70, we offer the «Golden Age» plan with a single premium (a single payment for lifetime coverage).
Does it cover my pets?
We include telephone veterinary advice and, in the event of the death of your pet (dog or cat), we cover the costs of cremation (individual or collective, depending on the policy taken out).
What is Educational Assistance?
If an insured child has to stay at home for more than 15 days due to illness or accident, we send a private tutor to their home so that they do not fall behind in their studies.