The Administration, in order to protect the rights of consumers, incorporated into Article 60 of the revised text of the Law on the Regulation and Supervision of Private Insurance through Royal Decree Law 1298/2009 of July 31, the obligation to deliver before of the conclusion of a death insurance contract an INFORMATIVE NOTE (Article 105 bis) written clearly and precisely, with the following content and that as a summary is detailed :.

1.- Depending on the type of insurance offered:

Identification of the modality (leveled, semi-natural, natural or mixed).
Characteristics and calculation method of the initial premium.
2.- For any of the insurance modalities.

Identification of the risk factors and rate to apply in the renewals of the policies, etc.
Evolutive chart of annual commercial premiums until the insured reaches 90 years and evolution of the insured capital, etc.
3.- Accessory warranties optional to the coverage of deaths with indication of the amount of the premium.

4.- Contract resolution conditions.

5.- Possibility of opposing by the Insurer to the renewal of the contract.

6.- Existence or not, of the right of rehabilitation and norms that regulate it.