When a loved one dies, in addition to emotional suffering, it is necessary to face various legal and financial responsibilities. One of the most relevant is the administration of savings and contributions in the AFP that the deceased person has left, in addition to their deposits, insurance, credit situation and affiliation to Private pension system (Spp).
Understanding the process to claim these funds may seem complex, but it is essential to ensure that the resources accumulated over the years are correctly distributed among the heirs. Next, you can know if a relative left money and how to request the record of policies with accidental death or death coverage, the constancy of SCTRamong others.
How to know the financial information of a deceased relative?
To determine the financial information of a lifeless relative, heirs informed of the Superintendence of Banking, Insurance and AFP (SBS). Through this service, it is possible to verify if the deceased had debts, deposits or insurance, for which the death certificate and the declaration of heirs are required.
For example, this type of information can be known:
Certificate of policies
If you want to verify if your deceased relative had a life insurance Or personal accidents, you can request the issuance of a constancy of policies indicating the coverage due to death or accidental death.
To request it, you must do the following:
- Download the form.
- Complete the form and present the requirements requested at the tables of SBS parts.
- Attached the certificate or death certificate, or consistent judicial resolution or execution for presumed death.
- If you act as a representative or attorney, attach a simple power letter.
You should consider that the procedure takes 11 business days And it has no cost, that is, it is free. In addition, you can also request the constancy virtually, as long as you have an account on the official website of the Banking and Insurance Superintendence of Peru (SBS).
Deposit proof
If you have been recognized as heir to a deceased person and need to know if he had deposits or other values ​​in entities of the national financial system, you can request the issuance of a constancy of deposit.
To request it, you must do the following:
- Download the form.
- Complete the form and present the requirements requested at the tables of SBS parts.
- Attached the certificate or death certificate, or consistent judicial resolution or execution for presumed death.
- Attached the number of electronic file or departure, of the declaration of heirs or testament, registered in public records.
- If you act as a representative or attorney, attach a simple power letter.
You should consider that the procedure takes 12 business days And it has no cost, that is, it is free. In addition, you can also request the constancy virtually, as long as you have an account on the official website of the Banking and Insurance Superintendence of Peru (SBS).
AFP Affiliation Proof
If you need to confirm or demonstrate whether your deceased relative was affiliated with Sppyou can request the record of AFP affiliation.
To request it, you must do the following:
- Download the form.
- Complete the form and present the requirements requested at the tables of SBS parts.
- If you act as a representative or attorney, attach a simple power letter.
You should consider that the procedure takes at most 5 business days And it has no cost, that is, it is free. In addition, you can also request the constancy virtually, as long as you have an account on the official website of the Banking and Insurance Superintendence of Peru (SBS).
SCTR proof
If you want to verify if your deceased relative had a Complementary Risk Work Insuranceyou can request the issuance of a record of SCTR.
To request it, you must do the following:
- Download the form.
- Complete the form and present the requirements requested at the tables of SBS parts.
- Attached the certificate or death certificate, or consistent judicial resolution or execution for presumed death.
- If you act as a representative or attorney, attach a simple power letter.
You should consider that the procedure takes 11 business days And it has no cost, that is, it is free. In addition, you can also request the constancy virtually, as long as you have an account on the official website of the Banking and Insurance Superintendence of Peru (SBS).
Is it possible to recover the money from the savings account of a deceased relative?
Yes, it is possible to recover the savings of a deceased relative, provided that the corresponding legal procedures are met. Funds in bank accounts and contributions in AFP They do not disappear after the death of the holder, but become part of their assets and must be distributed among legal heirs.
In Peru, this process is regulated by the Superintendence of Banking and Insurance of Peru (SBS), which determines the necessary regulations and requirements for the claim of said funds. The first step to claim funds It is to obtain the death certificate of the account holder, since this document is essential to initiate any management.
Subsequently, the heirs must make a declaration of heirs before a notary or in a law of the peace court. This official document identifies the legitimate heirs of the deceased and allows them to continue with the process of claiming the funds.
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Source: Larepublica
Alia is a professional author and journalist, working at 247 news agency. She writes on various topics from economy news to general interest pieces, providing readers with relevant and informative content. With years of experience, she brings a unique perspective and in-depth analysis to her work.
