Life Insurance Colombia | SURA Policies and Backing
Individual Life SURA

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

vida_plans.vive

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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.

vida_plans.ordinario

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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.

Critical Illnesses

Receive the money while living if you are diagnosed with a high-cost illness.

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.

Cancer Rider

Specific financial support upon diagnosis of invasive cancer.

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.

Personal Accidents

Additional compensation for accidental death, disability, or dismemberment.

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.

Funeral Assistance

Covers funeral expenses so as not to affect your family's assets.

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).

Doubts about the fine print?

Ask Ale about specific exclusions, waiting periods, or the claim process for clause P-1411.