faq

frequently asked questions

Our customers may be entitled to a refund in the following circumstances:

  • If the policy has not yet started, the client gets 100% reimbursement.
  • If the policy has already been started but has been paid out, we negotiate with the insurance companies to receive pro-rata reimbursement.

It is important to note that policies are usually cancelled on the date until the time of payment, and a pro-rata refund can be made.

Once the client agrees to the terms and conditions of a policy, we issue the policy with the insurance company. Premium collection can take place according to the customer's preference: it can be on the same day of the contract, or it can be withdrawn by the effective date of the policy.

Policies can always be cancelled before the effective date, in which case the client gets a 100% refund. Once policies have been initiated, cancellation is available on the date until the policy is paid up - there is no mandatory period or need to keep the policy until its original termination date.

medical insurance

Health insurance is the type ofinsurancethat protects people against the risk of having medical expenses. Just as you think about protecting your assets and personal assets, you also need to think about protecting your health, and not having adequate health insurance can become a financial emergency as well.

Health insurance and healthcare plan have different characteristics and coverage, and the choice of the best service will depend on your needs and financial profile. Health insurance is an insurance contract that protects the insured, while the healthcare plan is a collective or individual health system that offers health services to its beneficiaries, always with the condition of paying an annual contribution. To learn more, access our Youtube channelwhere we explain the difference between insurance and healthcare plan.

travel insurance

Travel insurance is an insurance product that covers medical, emergency, and trip cancellation costs. It can also cover other risks such as lost luggage and flight delays.

Yes, travel insurance includes covid coverage, provided it is acquired before the trip.

The cost per day can vary between $9 and $24 (this variation in cost depends on the level of coverage chosen). Other factors that may influence the cost are:

  • Ages over 74.
  • Depending on the period of the trip (as the number of days of the trip increases, the cost per day may decrease slightly).

life insurance

A life insurance policy is a contract between a person and an insurer that protects the life of the insured, with varying objectives, such as covering accidents at work, illness, temporary or permanent disability, total loss of income, and or death.

Vitae Group currently works with several types of life insurance:

Term Insurance:

Term insurance is a life insurance policy that provides coverage for a certain period or a specific "term" of years. When compared to other types of life insurance products, a Term insurance policy:
- Typically less expensive;
- Provides liquidity;
- Tax-free cash value.

Whole LifeInsurance:

Permanent life insurance or "Whole Life" insurance is an umbrella term for life insurance that does not expire. Typically, this insurance combines a death benefit with a savings portion. "Whole Life" insurance provides coverage for the insured's entire life, and their savings can grow at a guaranteed rate.

To understand the best life insurance for you and your family, contact us and talk to one of our experts.

vehicle insurance

It is an insurance policy that protects your vehicle against accidents, mechanical failures, and your civil liabilities, and it is a mandatory insurance policy by law for driving in the State of Florida.

No, the main vehicle insurances that Vitae Group serves are: Cars, Motorcycles, Boats, and Golf Carts.

home insurance

Home insurance is a type of insurance that protects your property against damage caused by accidents or events of a fortuitous nature.

Choosing the best homeowners insurance will depend on a number of factors such as: year of construction of the property, type of the property(standard, luxury etc.), proximity to the coast, type of owner (individual or company) and value of reconstruction of the property (dwelling). Therefore, in order to know the best home insurance for you, we ask you to contact Vitae Group and talk to one of our specialists.

corporate insurance

Business insurance is, in fact, a universe with multiple insurance possibilities. See below:

- Liability: protection against civil liability of the company against third parties, such as through failures in the provision of services(Professional Liability) and protection of interested parties, such as Landlords, customers, among others(General Liability);

- Property: protection for the company's property, such as physical structure, products, inventory and facade.

- Workers Compensation: insurance to protect employees against accidents and other occurrences in the work environment, making it necessary for the company to have insurance when it has 4 or more employees.

There are a number of other possible commercial insurances, such as Employer Practices Liability, Directors & Officers, among others.

Insurance for high value goods

It is an insurance that will protect a person's consumer goods of which they have a certain market value. Works of art and jewelry are a separate insurance policy, so if you are interested in learning more, contact Vitae Group and speak to one of our specialists.

Do you still have any questions?

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