{"id":707,"date":"2026-10-09T02:05:47","date_gmt":"2026-10-09T02:05:47","guid":{"rendered":"https:\/\/www.wealthcrafters.org\/?page_id=707"},"modified":"2026-10-09T18:57:42","modified_gmt":"2026-10-09T18:57:42","slug":"business-owner-protection","status":"publish","type":"page","link":"https:\/\/www.wealthcrafters.org\/es\/business-owner-protection\/","title":{"rendered":"Protecci\u00f3n para due\u00f1os de negocios"},"content":{"rendered":"<div  class='flex_column av-1jtgj-8b981de77f24d8a60f0e96c0a637e1f6 av_one_full  avia-builder-el-0  el_before_av_one_half  avia-builder-el-first  first flex_column_div'     ><p><div  class='avia-slideshow av-mv09jz2o-c5771da3576d38c56f12e2186a587376 avia-slideshow-no scaling av_slideshow avia-fade-slider  avia-builder-el-1  el_before_av_heading  avia-builder-el-first  av-slideshow-ui av-control-default av-slideshow-autoplay av-loop-endless av-loop-manual-endless av-default-height-applied avia-slideshow-1' data-slideshow-options=\"{&quot;animation&quot;:&quot;fade&quot;,&quot;autoplay&quot;:true,&quot;loop_autoplay&quot;:&quot;endless&quot;,&quot;interval&quot;:5,&quot;loop_manual&quot;:&quot;manual-endless&quot;,&quot;autoplay_stopper&quot;:false,&quot;noNavigation&quot;:false,&quot;bg_slider&quot;:false,&quot;keep_padding&quot;:false,&quot;hoverpause&quot;:false,&quot;show_slide_delay&quot;:0}\"  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><ul class='avia-slideshow-inner' style='padding-bottom: 33.595194085028%;'><li  class='avia-slideshow-slide av-mv09jz2o-c5771da3576d38c56f12e2186a587376__0  slide-1 slide-odd'><div data-rel='slideshow-1' class='avia-slide-wrap'   ><img decoding=\"async\" fetchpriority=\"high\" class=\"wp-image-709 avia-img-lazy-loading-not-709\"  src=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-owner-banner.png\" width=\"2164\" height=\"727\" title='business-owner-banner' alt='Business Owner Protection \u2014 plan for the future of your business'  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-owner-banner.png 2164w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-owner-banner-300x101.png 300w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-owner-banner-1030x346.png 1030w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-owner-banner-768x258.png 768w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-owner-banner-1536x516.png 1536w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-owner-banner-2048x688.png 2048w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-owner-banner-1500x504.png 1500w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-owner-banner-705x237.png 705w\" sizes=\"(max-width: 2164px) 100vw, 2164px\" \/><\/div><\/li><li  class='avia-slideshow-slide av-mv09jz2o-c5771da3576d38c56f12e2186a587376__1  slide-2 slide-even'><div data-rel='slideshow-1' class='avia-slide-wrap'   ><img decoding=\"async\" fetchpriority=\"high\" class=\"wp-image-716 avia-img-lazy-loading-not-716\"  src=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/protect-key-people.png\" width=\"2172\" height=\"724\" title='protect-key-people' alt=''  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/protect-key-people.png 2172w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/protect-key-people-300x100.png 300w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/protect-key-people-1030x343.png 1030w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/protect-key-people-768x256.png 768w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/protect-key-people-1536x512.png 1536w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/protect-key-people-2048x683.png 2048w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/protect-key-people-1500x500.png 1500w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/protect-key-people-705x235.png 705w\" sizes=\"(max-width: 2172px) 100vw, 2172px\" \/><\/div><\/li><li  class='avia-slideshow-slide av-mv09jz2o-c5771da3576d38c56f12e2186a587376__2  slide-3 slide-odd'><div data-rel='slideshow-1' class='avia-slide-wrap'   ><img decoding=\"async\" fetchpriority=\"high\" class=\"wp-image-717 avia-img-lazy-loading-not-717\"  src=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-partners.png\" width=\"2167\" height=\"726\" title='business-partners' alt=''  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-partners.png 2167w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-partners-300x101.png 300w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-partners-1030x345.png 1030w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-partners-768x257.png 768w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-partners-1536x515.png 1536w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-partners-2048x686.png 2048w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-partners-1500x503.png 1500w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-partners-705x236.png 705w\" sizes=\"(max-width: 2167px) 100vw, 2167px\" \/><\/div><\/li><li  class='avia-slideshow-slide av-mv09jz2o-c5771da3576d38c56f12e2186a587376__3  slide-4 slide-even'><div data-rel='slideshow-1' class='avia-slide-wrap'   ><img decoding=\"async\" fetchpriority=\"high\" class=\"wp-image-718 avia-img-lazy-loading-not-718\"  src=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-continuity.png\" width=\"2172\" height=\"724\" title='business-continuity' alt=''  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-continuity.png 2172w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-continuity-300x100.png 300w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-continuity-1030x343.png 1030w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-continuity-768x256.png 768w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-continuity-1536x512.png 1536w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-continuity-2048x683.png 2048w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-continuity-1500x500.png 1500w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-continuity-705x235.png 705w\" sizes=\"(max-width: 2172px) 100vw, 2172px\" \/><\/div><\/li><\/ul><div class='avia-slideshow-arrows avia-slideshow-controls' ><a href='#prev' class='prev-slide  avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='left-open-big' data-av_iconset='svg_entypo-fontello' tabindex='-1' title=\"Previous\"><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewbox=\"0 0 15 32\" preserveaspectratio=\"xMidYMid meet\" aria-labelledby='av-svg-title-1' aria-describedby='av-svg-desc-1' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-1'>Previous<\/title>\n<desc id='av-svg-desc-1'>Previous<\/desc>\n<path d=\"M14.464 27.84q0.832 0.832 0 1.536-0.832 0.832-1.536 0l-12.544-12.608q-0.768-0.768 0-1.6l12.544-12.608q0.704-0.832 1.536 0 0.832 0.704 0 1.536l-11.456 11.904z\"><\/path>\n<\/svg><span class='avia_hidden_link_text'>Previous<\/span><\/a><a href='#next' class='next-slide  avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='right-open-big' data-av_iconset='svg_entypo-fontello' tabindex='-1' title=\"Next\"><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewbox=\"0 0 15 32\" preserveaspectratio=\"xMidYMid meet\" aria-labelledby='av-svg-title-2' aria-describedby='av-svg-desc-2' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-2'>Next<\/title>\n<desc id='av-svg-desc-2'>Next<\/desc>\n<path d=\"M0.416 27.84l11.456-11.84-11.456-11.904q-0.832-0.832 0-1.536 0.832-0.832 1.536 0l12.544 12.608q0.768 0.832 0 1.6l-12.544 12.608q-0.704 0.832-1.536 0-0.832-0.704 0-1.536z\"><\/path>\n<\/svg><span class='avia_hidden_link_text'>Next<\/span><\/a><\/div><div class='avia-slideshow-dots avia-slideshow-controls'><a href='#1' class='goto-slide active' >1<\/a><a href='#2' class='goto-slide' >2<\/a><a href='#3' class='goto-slide' >3<\/a><a href='#4' class='goto-slide' >4<\/a><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lykhby3y-8ec8f27f3f0528b9d32b4fd1ab676866\">\n#top .av-special-heading.av-lykhby3y-8ec8f27f3f0528b9d32b4fd1ab676866{\npadding-bottom:10px;\ncolor:#176020;\n}\nbody .av-special-heading.av-lykhby3y-8ec8f27f3f0528b9d32b4fd1ab676866 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-lykhby3y-8ec8f27f3f0528b9d32b4fd1ab676866 .special-heading-inner-border{\nborder-color:#176020;\n}\n.av-special-heading.av-lykhby3y-8ec8f27f3f0528b9d32b4fd1ab676866 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-lykhby3y-8ec8f27f3f0528b9d32b4fd1ab676866 av-special-heading-h2 custom-color-heading blockquote modern-quote modern-centered  avia-builder-el-2  el_after_av_slideshow  el_before_av_button'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Proteja el negocio que ha construido<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<div  class='avia-button-wrap av-lyko8mfw-7dc5967f38d527e43583130e50051109-wrap avia_animated_button av-animated-when-visible-95 pop-up avia-button-center  avia-builder-el-3  el_after_av_heading  el_before_av_promobox'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lyko8mfw-7dc5967f38d527e43583130e50051109\">\n@keyframes av_sonarEffect_av-lyko8mfw-7dc5967f38d527e43583130e50051109 {\n  0% {opacity: 0.3;}\n 40% {opacity: 0.5; box-shadow: 0 0 0 2px rgba(255,255,255,0.1), 0 0 10px 10px #ffffff, 0 0 0 10px rgba(255,255,255,0.5);}\n100% {opacity: 0; box-shadow: 0 0 0 2px rgba(255,255,255,0.1), 0 0 10px 10px #ffffff, 0 0 0 10px rgba(255,255,255,0.5); transform: scale(1.5);}\n}\n.avia-button.av-lyko8mfw-7dc5967f38d527e43583130e50051109.avia-sonar-shadow:hover:after{\nanimation:av_sonarEffect_av-lyko8mfw-7dc5967f38d527e43583130e50051109 1s ease-in-out;\n}\n<\/style>\n<a href='https:\/\/calendly.com\/wealthcrafters\/15-minute-business-owner-protection'  class='avia-button av-lyko8mfw-7dc5967f38d527e43583130e50051109 av-link-btn avia-icon_select-yes-left-icon avia-size-large avia-position-center avia-color-theme-color avia-sonar-shadow'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"Programe su consulta de protecci\u00f3n empresarial\"><span class='avia_button_icon avia_button_icon_left avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue82b' data-av_iconfont='entypo-fontello' ><\/span><span class='avia_iconbox_title' >Programe su consulta de protecci\u00f3n empresarial<\/span><\/a><\/div><br \/>\n<div  class='av_promobox av-lykhmvtz-2bc05bfa518b0cca279c6e4ec00eb36c avia-button-no  avia-builder-el-4  el_after_av_button  el_before_av_hr'><div class='avia-promocontent'><p>\n<strong>Ha construido m\u00e1s que un negocio. Ha creado un sustento, un equipo y un futuro para su familia.<\/strong><\/p>\n<p>\u00bfQu\u00e9 suceder\u00eda si un propietario o empleado esencial ya no pudiera estar presente? Una estrategia de protecci\u00f3n bien pensada puede ayudar a su negocio a prepararse para el impacto financiero de un fallecimiento o una discapacidad, sin perder de vista a su familia ni sus objetivos a largo plazo.<\/p>\n<p>En Wealth Crafters, la conversaci\u00f3n comienza con las personas que hacen funcionar su negocio, las obligaciones que tiene y lo que desea que suceda despu\u00e9s. Explore opciones de seguros y prioridades de planificaci\u00f3n que se ajusten al negocio que ha construido.<\/p>\n<\/div><\/div><br \/>\n<div  class='hr av-ypvkj-227de54de04c9af12fc44b48db1baad1 hr-default  avia-builder-el-5  el_after_av_promobox  avia-builder-el-last'><span class='hr-inner'><span class=\"hr-inner-style\"><\/span><\/span><\/div><\/p><\/div><div  class='flex_column av-swlmb-3f59ee06c84faeaa03a31fe3aa466fb5 av_one_half  avia-builder-el-6  el_after_av_one_full  el_before_av_one_half  first flex_column_div  column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lykokh9h-82117c8e96a4fc1acc8eff45521d3fb9\">\n#top .av-special-heading.av-lykokh9h-82117c8e96a4fc1acc8eff45521d3fb9{\npadding-bottom:10px;\ncolor:#176020;\n}\nbody .av-special-heading.av-lykokh9h-82117c8e96a4fc1acc8eff45521d3fb9 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-lykokh9h-82117c8e96a4fc1acc8eff45521d3fb9 .special-heading-inner-border{\nborder-color:#176020;\n}\n.av-special-heading.av-lykokh9h-82117c8e96a4fc1acc8eff45521d3fb9 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-lykokh9h-82117c8e96a4fc1acc8eff45521d3fb9 av-special-heading-h3 custom-color-heading  avia-builder-el-7  el_before_av_promobox  avia-builder-el-first'><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >Un plan m\u00e1s s\u00f3lido para su negocio y su familia<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<div  class='av_promobox av-lykon0oq-731f2d86dc7f0ca47e98078833aa65d4 avia-button-no  avia-builder-el-8  el_after_av_heading  avia-builder-el-last'><div class='avia-promocontent'><p>\nLas exigencias diarias hacen que sea f\u00e1cil posponer la planificaci\u00f3n de protecci\u00f3n. Comience con tres preguntas pr\u00e1cticas:<\/p>\n<ul>\n<li><strong>\u00bfQui\u00e9n mantiene el negocio en funcionamiento?<\/strong> Considere al propietario, socio o empleado clave cuya ausencia podr\u00eda afectar los ingresos y las relaciones comerciales.<\/li>\n<li><strong>\u00bfQu\u00e9 gastos continuar\u00edan?<\/strong> Revise el alquiler, las obligaciones de n\u00f3mina, los pr\u00e9stamos y los ingresos personales de los que depende su hogar.<\/li>\n<li><strong>\u00bfQui\u00e9n ser\u00eda propietario y dirigir\u00eda la empresa?<\/strong> Identifique a su sucesor previsto y c\u00f3mo podr\u00eda financiarse una transferencia.<\/li>\n<\/ul>\n<p>Una p\u00f3liza empresarial y un seguro de vida personal cubren necesidades diferentes. Revisarlos en conjunto le ayuda a identificar d\u00f3nde su empresa, sus copropietarios y su familia a\u00fan podr\u00edan tener brechas de protecci\u00f3n.<\/p>\n<p>Traiga sus p\u00f3lizas actuales, la informaci\u00f3n de titularidad y sus preguntas. Convirtamos esas inquietudes en pasos claros a seguir.<\/p>\n<\/div><\/div><\/p><\/div><\/p>\n<div  class='flex_column av-m1uwj-3ac0f64a1b0e49770eeec7343fd6efbd av_one_half  avia-builder-el-9  el_after_av_one_half  el_before_av_hr  flex_column_div  column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lykosr10-f912395661433ac9fa4f4e8fdb0d1a76\">\n.avia-image-container.av-lykosr10-f912395661433ac9fa4f4e8fdb0d1a76 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-lykosr10-f912395661433ac9fa4f4e8fdb0d1a76 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-lykosr10-f912395661433ac9fa4f4e8fdb0d1a76 av-styling- av-hover-grow avia_animated_image av-animated-when-visible-95 top-to-bottom avia-align-center  avia-builder-el-10  el_before_av_button  avia-builder-el-first'   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-708 avia-img-lazy-loading-not-708 avia_image' src=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-owner-photo-1030x687.png\" alt='Business owners reviewing a protection plan with an adviser' title='business-owner-photo'  height=\"687\" width=\"1030\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-owner-photo-1030x687.png 1030w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-owner-photo-300x200.png 300w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-owner-photo-768x512.png 768w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-owner-photo-1500x1000.png 1500w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-owner-photo-705x470.png 705w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/business-owner-photo.png 1536w\" sizes=\"(max-width: 1030px) 100vw, 1030px\" \/><\/div><\/div><\/div><br \/>\n<div  class='avia-button-wrap av-lykoxfp6-3237329449f75493d702b4418756c290-wrap avia_animated_button av-animated-when-visible-95 pop-up avia-button-center  avia-builder-el-11  el_after_av_image  avia-builder-el-last'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lykoxfp6-3237329449f75493d702b4418756c290\">\n@keyframes av_sonarEffect_av-lykoxfp6-3237329449f75493d702b4418756c290 {\n  0% {opacity: 0.3;}\n 40% {opacity: 0.5; box-shadow: 0 0 0 2px rgba(255,255,255,0.1), 0 0 10px 10px #ffffff, 0 0 0 10px rgba(255,255,255,0.5);}\n100% {opacity: 0; box-shadow: 0 0 0 2px rgba(255,255,255,0.1), 0 0 10px 10px #ffffff, 0 0 0 10px rgba(255,255,255,0.5); transform: scale(1.5);}\n}\n.avia-button.av-lykoxfp6-3237329449f75493d702b4418756c290.avia-sonar-shadow:hover:after{\nanimation:av_sonarEffect_av-lykoxfp6-3237329449f75493d702b4418756c290 1s ease-in-out;\n}\n<\/style>\n<a href='https:\/\/calendly.com\/wealthcrafters\/15-minute-business-owner-protection'  class='avia-button av-lykoxfp6-3237329449f75493d702b4418756c290 av-link-btn avia-icon_select-yes-left-icon avia-size-large avia-position-center avia-color-theme-color avia-sonar-shadow'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"Explore sus opciones de protecci\u00f3n empresarial\"><span class='avia_button_icon avia_button_icon_left avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue854' data-av_iconfont='entypo-fontello' ><\/span><span class='avia_iconbox_title' >Explore sus opciones de protecci\u00f3n empresarial<\/span><\/a><\/div><\/p><\/div><div  class='hr av-cur5f-c447b083562c95ba8c3079c241a5b7a1 hr-default  avia-builder-el-12  el_after_av_one_half  el_before_av_one_full'><span class='hr-inner'><span class=\"hr-inner-style\"><\/span><\/span><\/div><\/p>\n<div  class='flex_column av-az36z-839a9882479c33b8f19be8069d7eb7b6 av_one_full  avia-builder-el-13  el_after_av_hr  avia-builder-el-last  first flex_column_div'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lykpc9h1-9947f1c4ccf2509d4e70f5d61b00df8e\">\n#top .av-special-heading.av-lykpc9h1-9947f1c4ccf2509d4e70f5d61b00df8e{\npadding-bottom:10px;\ncolor:#176020;\n}\nbody .av-special-heading.av-lykpc9h1-9947f1c4ccf2509d4e70f5d61b00df8e .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-lykpc9h1-9947f1c4ccf2509d4e70f5d61b00df8e .special-heading-inner-border{\nborder-color:#176020;\n}\n.av-special-heading.av-lykpc9h1-9947f1c4ccf2509d4e70f5d61b00df8e .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-lykpc9h1-9947f1c4ccf2509d4e70f5d61b00df8e av-special-heading-h3 custom-color-heading  avia-builder-el-14  el_before_av_promobox  avia-builder-el-first'><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >Protecci\u00f3n que respalda su pr\u00f3xima etapa<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<div  class='av_promobox av-lykpdb48-9132028ded9895c03daca09154bc724b avia-button-no  avia-builder-el-15  el_after_av_heading  el_before_av_button'><div class='avia-promocontent'><\/p>\n<h4>Seguro de vida para personas clave<\/h4>\n<p>Cuando un negocio depende de un propietario o empleado en particular, su fallecimiento puede provocar dificultades financieras. El seguro de vida para personas clave normalmente designa al negocio como titular y beneficiario de la p\u00f3liza. Un beneficio por fallecimiento cubierto puede proporcionar fondos para ayudar con las necesidades operativas, contratar un reemplazo o gestionar una transici\u00f3n. Cumple una funci\u00f3n distinta a la cobertura pagadera a su familia.<\/p>\n<h4>Financiamiento de acuerdos de compraventa<\/h4>\n<p>Un acuerdo de compraventa establece c\u00f3mo puede transferirse una participaci\u00f3n de propiedad despu\u00e9s de determinados acontecimientos. Un seguro de vida puede ayudar a financiar la compra tras el fallecimiento de un propietario asegurado. Las compras de participaciones por discapacidad requieren planificaci\u00f3n separada y cobertura adecuada. El acuerdo, la valoraci\u00f3n del negocio, la titularidad de la p\u00f3liza y los beneficiarios deben estar coordinados; su abogado y su profesional fiscal deben revisar el acuerdo.<\/p>\n<h4>Discapacidad y continuidad del negocio<\/h4>\n<p>Una enfermedad o lesi\u00f3n puede afectar tanto los ingresos de su hogar como los gastos de su negocio. El seguro individual de ingresos por discapacidad y el seguro de gastos generales del negocio atienden necesidades diferentes. Seg\u00fan sus condiciones, una p\u00f3liza de gastos generales puede reembolsar costos operativos elegibles durante una discapacidad cubierta. Los per\u00edodos de espera, los l\u00edmites de beneficios, las exclusiones y las definiciones de discapacidad son importantes.<\/p>\n<h4>Sucesi\u00f3n y protecci\u00f3n familiar<\/h4>\n<p>El seguro forma parte de un plan m\u00e1s amplio. Documente qui\u00e9n puede tomar decisiones, qui\u00e9n podr\u00eda hacerse cargo y qu\u00e9 debe saber su familia. Coordine los acuerdos de propiedad empresarial con su <a href=\"https:\/\/www.wealthcrafters.org\/es\/estate-planning\/\">plan patrimonial<\/a>, <a href=\"https:\/\/www.wealthcrafters.org\/es\/life-insurance\/\">seguro de vida personal<\/a>, y <a href=\"https:\/\/www.wealthcrafters.org\/es\/retirement-planning\/\">objetivos de jubilaci\u00f3n<\/a>.<\/p>\n<h4>Su revisi\u00f3n de protecci\u00f3n empresarial<\/h4>\n<ol>\n<li><strong>Comprenda sus prioridades.<\/strong> Converse sobre su estructura de propiedad, las personas esenciales, las obligaciones y las necesidades familiares.<\/li>\n<li><strong>Revise las brechas de cobertura.<\/strong> Compare las coberturas y los acuerdos existentes con las situaciones para las que desea prepararse.<\/li>\n<li><strong>Elija los siguientes pasos.<\/strong> Explore opciones de seguros adecuadas e identifique los asuntos que debe coordinar con sus asesores legales y fiscales.<\/li>\n<\/ol>\n<h4>\u00bfEsto sustituye al seguro general del negocio?<\/h4>\n<p>No. Estas estrategias se centran en el impacto financiero de perder a un propietario o una persona clave y en la continuidad de la propiedad. Los seguros de propiedad, responsabilidad civil, compensaci\u00f3n laboral y otras coberturas comerciales atienden riesgos diferentes.<\/p>\n<p><small>La cobertura est\u00e1 sujeta a evaluaci\u00f3n de riesgos, condiciones de la p\u00f3liza, exclusiones y disponibilidad. Los beneficios se pagan \u00fanicamente cuando se cumplen las condiciones del contrato. Esta informaci\u00f3n es educativa y no constituye asesoramiento legal o fiscal.<\/small><\/p>\n<\/div><\/div><br \/>\n<div  class='avia-button-wrap av-lykpqw89-d2dbdb27e7f52c219d7458310847d763-wrap avia_animated_button av-animated-when-visible-95 pop-up avia-button-center  avia-builder-el-16  el_after_av_promobox  avia-builder-el-last'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lykpqw89-d2dbdb27e7f52c219d7458310847d763\">\n@keyframes av_sonarEffect_av-lykpqw89-d2dbdb27e7f52c219d7458310847d763 {\n  0% {opacity: 0.3;}\n 40% {opacity: 0.5; box-shadow: 0 0 0 2px rgba(255,255,255,0.1), 0 0 10px 10px #ffffff, 0 0 0 10px rgba(255,255,255,0.5);}\n100% {opacity: 0; box-shadow: 0 0 0 2px rgba(255,255,255,0.1), 0 0 10px 10px #ffffff, 0 0 0 10px rgba(255,255,255,0.5); transform: scale(1.5);}\n}\n.avia-button.av-lykpqw89-d2dbdb27e7f52c219d7458310847d763.avia-sonar-shadow:hover:after{\nanimation:av_sonarEffect_av-lykpqw89-d2dbdb27e7f52c219d7458310847d763 1s ease-in-out;\n}\n<\/style>\n<a href='https:\/\/calendly.com\/wealthcrafters\/30min'  class='avia-button av-lykpqw89-d2dbdb27e7f52c219d7458310847d763 av-link-btn avia-icon_select-yes-left-icon avia-size-large avia-position-center avia-color-theme-color avia-sonar-shadow'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"Proteja su negocio \u2014 Reserve una consulta\"><span class='avia_button_icon avia_button_icon_left avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue85b' data-av_iconfont='entypo-fontello' ><\/span><span class='avia_iconbox_title' >Proteja su negocio \u2014 Reserve una consulta<\/span><\/a><\/div><\/p><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-707","page","type-page","status-publish","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.4 - 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