Letter about credit life insurance (desgravamen) after the borrower dies or becomes disabled

We draft your letter to the credit life insurer (desgravamen), or to the bank, when the holder of a loan or card has died or become disabled: if the claim was rejected, if there is no answer, if you do not know whether the insurer paid, or if the bank has not closed the debt. It quotes the SBS rules word for word. It is not legal advice or representation.

This is not legal advice or representation. The letter goes to the credit life insurer or, if the insurer has already paid and the debt is still open, to the bank. It quotes word for word the SBS rules we explain in what to do when the borrower dies or becomes disabled. If you are the borrower (disability), the letter is a complaint (reclamo), with the fifteen-business-day period of the SBS complaints regulation. If you are a relative or heir, it is a request: the rules require the insurer to tell you, if you ask, whether it paid the bank or rejected the claim, but in the rules we read we could not confirm that the fifteen-day period runs for you. What to do if a claim is rejected is in insurance claim denied. The letter does not cover lawsuits or arbitration.

Your full name *

Your DNI or carné de extranjería *

Your address or email, for the reply *

What happened? *

Date of the death or the disability * The one on the death certificate or the disability assessment.

Who is writing? *

Your relationship to the borrower (if not you), e.g. daughter, spouse

The borrower's name (if not you)

What is the problem? *

Company you are writing to * The insurer of the desgravamen. If the problem is that the bank has not closed the debt, the bank.

Bank or lender that gave the loan or card

Insurer of the desgravamen (if you know it)

Loan, policy or claim number (optional) Never enter a full card or account number.

Date all the documents the policy asks for were handed in (optional)

Date of the rejection letter (optional)

Date the insurer paid the bank, if you know it (optional)

The insurer was told more than seven days later

Describe what happened * Who you told and when, which documents you handed in, what you were told, whether the bank is still charging. Use your own words.

Anything else you want to ask for (optional)

It is a draft that you review and file yourself. It is not legal advice or representation. Delivering it is free and you do not need a lawyer; what you pay for is the drafting.

What happens to what you type

We keep what you type into this form only to build the document. If you do not pay, it is deleted automatically after 2 hours. If you pay, it is deleted 24 hours after payment, together with the download link.
This assistant uses no artificial intelligence: the document comes from a fixed template, and your text is not sent to any AI service.
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