Catalog

Strategies for every stage and goal

Each strategy is confirmed and adjusted in a private, one-on-one Financial Needs Analysis (ANF). What you see here is a guide to start the conversation, not a quote.

Flexible · USD / UDIs Futuro Integral SA A flexible strategy with a savings component, designed for people who earn in dollars and want the protected value to keep its purchasing power in Mexico. See coverage details +Hide details –

Flexible plan with an internal investment fund: you can adjust your contributions as your income changes.
Premium in U.S. dollars (USD), with the sum insured denominated in UDIs to preserve its purchasing power in Mexico.
It is not a traditional IUL-type life insurance; how its fund works is reviewed in detail in your ANF.

Ideal for: binational families with dollar income

Endowment · PPR (Art. 151/185 LISR) Prever Dotal Savings with a defined goal and term (10, 15 or 20 years), with an accumulated balance you can project in the calculator. Registered as a Personal Retirement Plan. See coverage details +Hide details –

Registered as a PPR under Articles 151 and 185 of the LISR, with a tax benefit subject to the annual limits in force.
Available terms: 10, 15 or 20 years, with enrollment from age 18 (the maximum age depends on the plan and term). The BIT and BIPA riders are available up to age 55 and end at 65.
Optional riders: BIT (premium waiver for total and permanent disability), BIPA (sum insured paid after 6 months of continuous disability) and DI1/DI2/DI3 (double indemnity, loss of limb or organ, or triple indemnity in a collective accident).
Once three annual premiums have been paid there is cash value and a paid-up option according to the official tables. Endowment plans do not have an extended-term option.

Ideal for: medium-term goals, both audiences

Endowment · Education (SeguBeca 15/18/22) PreviBeca Protects your children’s educational future in Mexico. If you pass away, the sum insured supports their studies; if that risk doesn’t occur, the plan pays out an accumulated balance at maturity. See coverage details +Hide details –

Technical name: SeguBeca 15/18/22 (depending on the age reached), available in Pesos, Dollars or UDIs.
Enrollment amounts: from $10,000 USD / 30,000 UDI, up to $250,000 USD / 700,000 UDI.
Protection of the child: if the child passes away before age 12, the premiums paid are refunded; after age 12, the full sum insured is paid to the beneficiaries.
Policyholder riders (ages 18-60, end at 65): BEPIM (premium waiver on death or disability), BIPA, BEMPA (the policyholder’s own life cover within the policy) and BEPI.
Optional sum insured increase: arithmetic 4% per year, with the option not to increase.

Ideal for: parents with children in Mexico

Term · Fixed-term protection MaxiPro / MaxiSumas / Recupera Protection for a set term, with the most affordable premium in the catalog. Useful when budget is the priority or you want to cover a specific need (a loan, a project, a stage of life). See coverage details +Hide details –

Protection only for the contracted term, with no savings component and no accumulated balance at the end.
The most affordable premium in the whole catalog, ideal for covering a loan, a project or a specific stage of life.
Three variants (MaxiPro, MaxiSumas, Recupera) with differences in sum insured and conditions, reviewed in your ANF.

Ideal for: those who prioritize budget or have a temporary need

GMM · Major Medical Expenses Major Medical Expenses Coverage for hospitalization, surgery and major medical treatment, as a complement to your wealth protection. See coverage details +Hide details –

Works with a deductible and coinsurance: you cover part of the expense and the plan covers the rest once the deductible is met.
VIP Hospital Benefit: waives 100% of the coinsurance when you are treated in the Hospital Ángeles network.
“Multiregión” rider: avoids the rate penalty if you are treated outside your home city or region.
A 10-month maternity waiting period that always applies, even if you carry seniority over from another insurer through portability.

Ideal for: complementing your protection with medical coverage

Endowment · PPR for retirement Prever Vivir Designed for self-employed people (doctors, lawyers, notaries, consultants) without an institutional retirement scheme, who want to save and, along the way, optimize their tax burden within the law. See coverage details +Hide details –

Legal basis: Article 151 LISR (age reached 65) or Article 185 LISR (retirement age per the registered plan).
Minimum sums insured: $500,000 MXN, $30,000 USD or 80,000 UDIs.
Automatic sum insured increases: the available currency and percentages are confirmed in your quote.
Shares the same riders as Prever Dotal: BIT, BIPA, DI1/DI2/DI3 and Ayudando en Vida (an advance of up to 25% of the sum insured in case of one of 4 terminal illnesses; usable once).

Ideal for: self-employed professionals in Mexico

Whole life · limited pay VPL Lifetime protection (up to age 99), paying only during a set term (10, 15 or 20 years). After that, you stay protected with no more payments. See coverage details +Hide details –

Protects you up to age 99, paying premiums only during the term you choose (10, 15 or 20 years).
Its purpose is protection only: it does not pay out a balance or return at the end of the payment term.
It has a surrender value if cancelled early, although that is not the plan’s purpose.
If you also want money returned at the end, it is recommended to combine it with an Endowment plan.

Ideal for: those who want lifetime protection with limited payments

Whole life · continuous pay OV (Ordinary Life) Lifetime protection with continuous payments, generally with the most affordable premium among whole life plans. See coverage details +Hide details –

Protects you for life (up to age 99), with payments that continue throughout the policy.
It usually has the most affordable premium among whole life plans because payments are continuous.
A good option if you prefer a steady, lower payment compared with VPL.

Ideal for: long-term protection with a flexible budget

Glossary

Additional benefits, explained simply

These terms appear in several plans in the catalog. Here we explain them in plain language so you arrive informed to your ANF.

BIT

Waives premium payments if the policyholder suffers total and permanent disability. Does not apply if the policyholder and the insured are different people.

BIPA

Pays the sum insured in a single payment if the policyholder suffers total and permanent disability for at least 6 continuous months.

DI1 / DI2 / DI3

Double indemnity for accidental death; indemnity for loss of a limb or organ; or triple indemnity if the accident occurs on public transport, in an elevator or in a fire.

SEVI (Critical Illness)

One-time payment if you are diagnosed with one of 7 serious illnesses: heart attack, cancer, cerebrovascular disease, coronary bypass, kidney failure, vital organ transplant or paralysis.

BAC (Spousal Additional Benefit)

Also protects your spouse: if your spouse passes away, the sum insured is paid; if you pass away first, your spouse stays protected with no more payments.

Ayudando en Vida (Helping While You Live)

Lets you receive If you are diagnosed with one of four terminal illnesses (heart attack, stroke, stage IV cancer or chronic kidney failure requiring dialysis), you can receive up to 25% of your sum insured while alive. It can be used once, has a per-insured cap and enrollment requirements (for example, admission ages 20 to 60).