What is Life Insurance for Heads of Family?

What is the Life Insurance Program for Heads of Household? We explain everything you need to know

This program was created by the federal government of Mexico and is a way to offer economic and social support to children, adolescents and young people up to 23 years of age who have lost their mothers due to death.

This tool offers protection and peace of mind to those women who are the main breadwinners of their families. That is, it serves to ensure that in the event of the death of the head of the family, her loved ones are protected and do not have to leave school to work and support themselves.

The values of financial support vary depending on age and the amounts granted vary between $360.00 Mexican pesos and $1,200.00 Mexican pesos.

These amounts help cover immediate and long-term expenses, such as, for example, the payment of a mortgage, debts, children's education and other daily expenses.

For this reason, this program is considered one of the most important for the social development of both people with lower financial conditions and the entire country.

In this way, if you are interested in registering, continue reading because, below, we will present other details about the program and clarify who its beneficiaries are, in addition to other characteristics and information.

 Do you want to know about another social program in Mexico? Click below and learn about the Program for the Well-being of Girls and Boys, Children of Working Mothers.

Characteristics of the beneficiaries of the Life Insurance Program for Heads of Family

As we clarified previously, this program includes young motherless children:

• Girls and boys, adolescents and young people, from 0 to 23 years of age, in a vulnerable situation due to the permanent absence of the mother, caused by her death (maternal orphanhood);

It is important to clarify that Life Insurance for Heads of Family prioritizes people who live in areas with a majority indigenous population, areas with a high or very high degree of marginalization or areas with high rates of violence.

Financial support works as follows:

• Newborn to preschool: They receive $360 pesos bimonthly.
• Primary: They receive $600 pesos bimonthly;
• Secondary: They receive $845 pesos bimonthly;
• Upper Average: they receive $1,090 pesos bimonthly;
• Superior: They receive $1,200 pesos bimonthly.

What documents are the most important to have in your hands?

• Official identification, original and copy;
• Certified copy of the mother's death certificate or presumption of death certificate no older than three months;
• Current birth certificate for each of the children up to 23 years of age;
• Current CURP of the deceased mother, of the responsible adult, as well as of each of the daughters and sons in maternal orphanhood up to 23 years of age;
• Responsive letter in free form, signed, committing the responsible person to manage and make good use of all the economic resources that will be delivered to the beneficiaries of the program.

Do you want to know about another social program in Mexico? Click below and learn about the National Support Program for the Well-being of Girls and Boys, Adolescents and Young People in Maternal Orphanhood.

How and where do I enroll in the Life Insurance Program for Heads of Household?

If you think you meet the main requirements for this program, we want to help you enroll.

We remember that this type of insurance can also be a valuable tool in estate planning. Life insurance benefits are generally not subject to estate taxes, meaning all beneficiaries will be able to receive the full amount without significant tax charges.

Thus, to better guide you so that you can register, we leave you below a guide that will explain all the main requirements and the most important details about which documents you must present and what is the best way to register.

Tap the button below to see more information.

Written by

Everaldo Santiago