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transform_skew_y=»0″ transform_scale_x_hover=»1″ transform_scale_y_hover=»1″ transform_translate_x_hover=»0″ transform_translate_y_hover=»0″ transform_rotate_hover=»0″ transform_skew_x_hover=»0″ transform_skew_y_hover=»0″ transform_origin=»» animation_type=»» animation_direction=»left» animation_speed=»0.3″ animation_offset=»» last=»true» border_position=»all» first=»true»][fusion_text columns=»» column_min_width=»» column_spacing=»» rule_style=»» rule_size=»» rule_color=»» hue=»» saturation=»» lightness=»» alpha=»» content_alignment_medium=»» content_alignment_small=»» content_alignment=»» hide_on_mobile=»small-visibility,medium-visibility,large-visibility» sticky_display=»normal,sticky» class=»» id=»» margin_top=»» margin_right=»» margin_bottom=»» margin_left=»» fusion_font_family_text_font=»» fusion_font_variant_text_font=»» font_size=»» line_height=»» letter_spacing=»» text_transform=»» text_color=»» animation_type=»» animation_direction=»left» animation_speed=»0.3″ animation_offset=»»]

Tu seguro de vida, más económico y bien asesorado

[/fusion_text][fusion_text columns=»» column_min_width=»» column_spacing=»» rule_style=»» rule_size=»» rule_color=»» hue=»» saturation=»» lightness=»» alpha=»» content_alignment_medium=»» content_alignment_small=»» content_alignment=»» hide_on_mobile=»small-visibility,medium-visibility,large-visibility» sticky_display=»normal,sticky» class=»» id=»» margin_top=»» margin_right=»» margin_bottom=»» margin_left=»» fusion_font_family_text_font=»» fusion_font_variant_text_font=»» font_size=»» line_height=»» letter_spacing=»» text_transform=»» text_color=»» animation_type=»» animation_direction=»left» animation_speed=»0.3″ animation_offset=»»]

[/fusion_text][fusion_text columns=»» column_min_width=»» column_spacing=»» rule_style=»» rule_size=»» rule_color=»» hue=»» saturation=»» lightness=»» alpha=»» content_alignment_medium=»» content_alignment_small=»» content_alignment=»» hide_on_mobile=»small-visibility,medium-visibility,large-visibility» sticky_display=»normal,sticky» class=»» id=»» margin_top=»» margin_right=»» margin_bottom=»» margin_left=»» fusion_font_family_text_font=»» fusion_font_variant_text_font=»» font_size=»» line_height=»» letter_spacing=»» text_transform=»» text_color=»» animation_type=»» animation_direction=»left» animation_speed=»0.3″ animation_offset=»»]

Las entidades bancarias ofrecen unos precios extraordinariamente altos por los seguros de vida. Es más, aquellos seguros vinculados a créditos bancarios no suelen suponer un ahorro real y el “requisito” de contratarlos implica que no los valoramos por lo que realmente nos aportan, sino simplemente como un gasto inevitable y/o absurdo.

En Urquia&Bas nos gustaría que:

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pattern_bg_color=»» pattern_bg_style=»default» pattern_bg_opacity=»100″ pattern_bg_size=»» pattern_bg_blend_mode=»normal» mask_bg=»none» mask_custom_bg=»» mask_bg_color=»» mask_bg_accent_color=»» mask_bg_style=»default» mask_bg_opacity=»100″ mask_bg_transform=»left» mask_bg_blend_mode=»normal» render_logics=»» absolute=»off» absolute_devices=»small,medium,large» sticky=»off» sticky_devices=»small-visibility,medium-visibility,large-visibility» sticky_background_color=»» sticky_height=»» sticky_offset=»» sticky_transition_offset=»0″ scroll_offset=»0″ animation_type=»» animation_direction=»left» animation_speed=»0.3″ animation_offset=»» filter_hue=»0″ filter_saturation=»100″ filter_brightness=»100″ filter_contrast=»100″ filter_invert=»0″ filter_sepia=»0″ filter_opacity=»100″ filter_blur=»0″ filter_hue_hover=»0″ filter_saturation_hover=»100″ filter_brightness_hover=»100″ filter_contrast_hover=»100″ filter_invert_hover=»0″ filter_sepia_hover=»0″ filter_opacity_hover=»100″ 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text_transform=»» text_color=»» animation_type=»» animation_direction=»left» animation_speed=»0.3″ animation_offset=»»]

No pagues más de la cuenta por tu seguro

Los seguros de vida de bancos que hemos tenido la oportunidad de analizar tienen un precio muy superior a las alternativas encontradas en el mercado asegurador. En este sentido, un estudio de INESE y Global Actuarial1 concreta que contratarla en una entidad bancaria cuesta entre un 87% y un 93% más que si se formaliza a través de una aseguradora.

[/fusion_text][/fusion_builder_column][fusion_builder_column type=»1_2″ layout=»1_2″ align_self=»auto» content_layout=»column» align_content=»flex-start» valign_content=»flex-start» content_wrap=»wrap» spacing=»» center_content=»no» column_tag=»div» link=»» target=»_self» link_description=»» min_height=»» hide_on_mobile=»small-visibility,medium-visibility,large-visibility» sticky_display=»normal,sticky» class=»» id=»» type_medium=»» type_small=»» order_medium=»0″ order_small=»0″ dimension_spacing_medium=»» dimension_spacing_small=»» dimension_spacing=»» dimension_margin_medium=»» dimension_margin_small=»» margin_top=»» margin_bottom=»» padding_medium=»» padding_small=»» padding_top=»» padding_right=»» padding_bottom=»» padding_left=»» hover_type=»none» border_sizes=»» border_color=»» border_style=»solid» border_radius=»» box_shadow=»no» dimension_box_shadow=»» box_shadow_blur=»0″ box_shadow_spread=»0″ box_shadow_color=»» box_shadow_style=»» z_index_subgroup=»regular» z_index=»» z_index_hover=»» overflow=»» background_type=»single» gradient_start_color=»» gradient_end_color=»» gradient_start_position=»0″ gradient_end_position=»100″ gradient_type=»linear» radial_direction=»center center» linear_angle=»180″ background_color=»» background_image=»» background_image_id=»» lazy_load=»avada» skip_lazy_load=»» background_position=»left top» background_repeat=»no-repeat» background_blend_mode=»none» render_logics=»» sticky=»off» sticky_devices=»small-visibility,medium-visibility,large-visibility» sticky_offset=»» filter_type=»regular» filter_hue=»0″ filter_saturation=»100″ filter_brightness=»100″ filter_contrast=»100″ filter_invert=»0″ filter_sepia=»0″ filter_opacity=»100″ filter_blur=»0″ filter_hue_hover=»0″ filter_saturation_hover=»100″ filter_brightness_hover=»100″ filter_contrast_hover=»100″ filter_invert_hover=»0″ filter_sepia_hover=»0″ filter_opacity_hover=»100″ filter_blur_hover=»0″ transform_type=»regular» transform_scale_x=»1″ transform_scale_y=»1″ transform_translate_x=»0″ transform_translate_y=»0″ transform_rotate=»0″ transform_skew_x=»0″ transform_skew_y=»0″ transform_scale_x_hover=»1″ transform_scale_y_hover=»1″ transform_translate_x_hover=»0″ transform_translate_y_hover=»0″ transform_rotate_hover=»0″ transform_skew_x_hover=»0″ transform_skew_y_hover=»0″ transform_origin=»» animation_type=»» animation_direction=»left» animation_speed=»0.3″ animation_offset=»» last=»true» border_position=»all» first=»false»][fusion_text columns=»» column_min_width=»» column_spacing=»» rule_style=»» rule_size=»» rule_color=»» hue=»» saturation=»» lightness=»» alpha=»» content_alignment_medium=»» content_alignment_small=»» content_alignment=»» hide_on_mobile=»small-visibility,medium-visibility,large-visibility» sticky_display=»normal,sticky» class=»» id=»» margin_top=»» margin_right=»» margin_bottom=»» margin_left=»» fusion_font_family_text_font=»» fusion_font_variant_text_font=»» font_size=»» line_height=»» letter_spacing=»» text_transform=»» text_color=»» animation_type=»» animation_direction=»left» animation_speed=»0.3″ animation_offset=»»]

Entiendas el valor que te aporta, las posibles coberturas y el riesgo asociado

La motivación a la hora de contratar un seguro de vida es por un lado evitar dejar en situación vulnerable a tu familia o entorno…

Si yo falto… ¿Podrán mis hijos financiar una buena formación?; ¿Podrá mi pareja afrontar el pago de la hipoteca?; ¿Podrá mi socio seguir con el negocio o recomprar parte de la empresa a mis herederos?

Pero también garantizar tu tranquilidad económica en caso de que se te reconozca una incapacidad.

Si no puedo trabajar… ¿Podré conservar mi nivel de vida?; ¿Podré seguir cubriendo las necesidades de mi familia?; ¿Podré seguir pagando el alquiler o la hipoteca?

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Consideramos este segundo punto crucial, tanto por su probabilidad de ocurrencia en personas jóvenes, como por la tendencia creciente de la Seguridad Social a conceder Incapacidades Permanentes Totales.

En un entorno tan cambiante como el actua, profesiones sin trabajo manual o «de oficina» tienen más posibilides de sufrir enfermedades relacionadas  con trastornos mentales que suelen ser incapacitantes en el grado de Total (depresión, distímia, ansiedad, fibromialgia, agorafobia, etc…).

La realidad actual en España es que prácticamente 1 de cada 35 personas en edad laboral tiene una incapacidad reconocida y en más del 62% de los casos se trata de una total 2.

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Por consiguiente, nos comprometemos a reducir el precio de su seguro3 y esperamos haberte ayudado a entender los riesgos de los que te protege.

Te animamos a que nos facilites algunos datos con los que nuestra especialista podrá asesorarte.

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Tipo de incapacidades y diferencias

* Absoluta: Se concede cuando se considera a una persona no hábil para ejercer profesión alguna. La prestación resultante es del 100% de la base reguladora.

* Total: Se concede cuando se considera a una persona no hábil para desempeñar su profesión o trabajo habitual. La prestación resultante se limita a un 55% de la base reguladora.

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gradient_end_position=»» gradient_type=»» radial_direction=»» linear_angle=»180″ accent_color=»» accent_hover_color=»» type=»» bevel_color=»» bevel_color_hover=»» border_top=»» border_right=»» border_bottom=»» border_left=»» border_radius_top_left=»» border_radius_top_right=»» border_radius_bottom_right=»» border_radius_bottom_left=»» border_color=»» border_hover_color=»» size=»» padding_top=»» padding_right=»» padding_bottom=»» padding_left=»» fusion_font_family_button_font=»» fusion_font_variant_button_font=»» font_size=»» line_height=»» letter_spacing=»» text_transform=»» stretch=»default» margin_top=»» margin_right=»» margin_bottom=»50″ margin_left=»» icon=»» icon_position=»left» icon_divider=»no» animation_type=»» animation_direction=»left» animation_speed=»0.3″ animation_offset=»»]CALCULA EL PRECIO DE TU SEGURO DE VIDA[/fusion_button][fusion_text columns=»» column_min_width=»» column_spacing=»» rule_style=»» rule_size=»» rule_color=»» hue=»» saturation=»» lightness=»» alpha=»» 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1) Estudio comparativo de primas del seguro de vida riesgo 2022, Inese y Global Actuarial

2) Informe mensual de CA Life

3) Siempre y cuando no existan patologías relevantes.

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¿Y si el banco me bonifica por tenerla contratada con ellos?

Muchas de estas pólizas se firman con la banca con el fin de que nos bonifiquen el tipo de interés de los créditos.

La clave es qué ahorro mensual se consigue y si realmente compensa pagar casi el doble por la prima del seguro.

Si es tu caso, realizaremos los cálculos para confirmarte si te resulta o no beneficioso.

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