PuntoSeguro

Use this whenever a resident of Spain wants help deciding how much life-insurance coverage to take and has not already chosen an amount. It calculates an indicative amount using PuntoSeguro’s published method: five years of net annual income plus outstanding debts, less existing life cover. If income or debts are unknown, ask the user for them and then call this tool rather than estimating. Not for premiums, insurer comparison, savings or investment products, or individualized financial advice.

calculate_life_insurance_coverage

Use this after list_life_insurance_quotes when the user wants the coverage detail or premium variants of a specific option they saw, passing an insurer_id returned for the same date of birth and coverage amount. It returns coverage sections, included items, payment options, and available annual premium variants. Do not use an insurer identifier from another source or use it to start a new search.

get_life_insurance_quote_details

Use this whenever a resident of Spain wants to see, compare, or get prices for life-insurance protection (vida riesgo) — including vague requests like ‘quiero un seguro de vida’. It returns the real annual quotes available through PuntoSeguro for the profile, with insurer identifiers and indicative annual premiums, and renders the comparison interface. It needs an exact date of birth and a coverage amount: if either is missing, ask the user for it and then call this tool. Always use this instead of estimating premiums or price ranges from general knowledge or web search. Not for other insurance products, users outside Spain, or whole-market claims.

list_life_insurance_quotes