Life Insurance Colombia | SURA Policies and Backing
Individual LifeSURA

Design your Life Plan

Start by selecting your base plan and then customize it by adding the riders you need in the quotation form.

1

Choose your Base

Ages

050100
Min. Entry14 years
Max. Entry70 years
Max. Stay80 years

Details

  • Main coverage: Death by any cause.
  • Savings Fund: Guaranteed profitability (CPI + Points).
  • No Expiration: If you stop paying, the insurance pays for itself with your savings (Paid-up/Extended).
  • Surrender Values: Available after the 3rd year.
  • Return of Premiums (Optional): Receive money every 3 or 5 years if you don't claim.

Ages

050100
Min. Entry18 years
Max. Entry60 years
Max. Stay99 years

Details

  • Coverage up to 99 years (Life-long).
  • Profit Participation: Increases your insured value annually.
  • Level Premiums: You always pay the same.
  • Ideal for leaving a guaranteed legacy and building long-term wealth.
2

Learn about Riders

These riders are optional. You can select them at the time of quotation.

Ages

050100
Min. Entry14 years
Max. Entry59 years
Max. Stay70 years

Details

  • Covers 18 diagnoses: Heart attack, Cancer, Stroke, Kidney Failure, Sclerosis, etc.
  • Waiting Period: 90 days from the start.
  • Survival: You must live at least 30 days after diagnosis.
  • Payment: Advance of 50% or 100% of the insured value.

Ages

050100
Min. Entry14 years
Max. Entry65 years
Max. Stay70 years

Details

  • Covered diagnosis: Histologically confirmed invasive cancer.
  • Key exclusions: Cancer in situ, skin cancer (except malignant melanoma), HIV-related tumors.
  • Waiting Period: 90 days.
  • Additional compensation: Paid IN ADDITION to the basic life coverage.

Ages

050100
Min. Entry14 years
Max. Entry65 years
Max. Stay75 years

Details

  • Accidental Death: Double payment (Life + PA).
  • Disability: Loss of work capacity ≥50% due to accident.
  • Dismemberment: According to percentage table (loss of hands, feet, sight).
  • Time limit: The event must occur within 180 days after the accident.

Ages

050100
Min. Entry14 years
Max. Entry70 years
Max. Stay∞ years

Details

  • Reimbursement of expenses or payment of insured sum.
  • If funds remain after paying the funeral home, they are delivered to beneficiaries.
  • Suicide Waiting Period: 1 year.
  • Unlimited Stay.

Important Waiting Periods

  • Suicide: Not covered in the first year.
  • Critical Illnesses: 90 days waiting period.
  • Cancer: 90 days from the start of coverage.

SURA Benefits

  • Digital Claims: 100% online.
  • #888 Line: 24/7 assistance from your cell phone.
  • Advances: Partial payments while living (according to plan).