Spanish term (edited): al ir referida la prestación garantizada en póliza a la fecha de su fallecimiento

I find the Spanish really quite ambiguous here; I’d almost go as far as saying poorly drafted. Put it this way: I understand it, but it really could have been phrased better!

Any sort of literal translation I can think of won’t work here, and really leaves me scratching my head. I think you need to be more specific in English in terms of spelling out why “la certificación no será válida” if the policyholder dies.

Here’s my understanding of the passage, and how I might translate it:

“La presente certificación no será válida, y por tanto no tendrá efecto jurídico alguno, en caso de fallecimiento del Titular-Asegurado, al ir referida la prestación garantizada en póliza a la fecha de su fallecimiento.”

“In the event of the Policyholder's death, this certification shall be deemed null and void and have no legal effect, as the policy only covers the guaranteed benefit up to the date of death.”
_______________________________

Btw, I don’t think you need to say “her/his/their date of death” at the end, as “in the event of the Policyholder's death” makes it very clear who that person is.

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