{"id":742,"date":"2026-10-09T23:58:28","date_gmt":"2026-10-09T23:58:28","guid":{"rendered":"https:\/\/www.wealthcrafters.org\/?page_id=742"},"modified":"2026-10-09T23:58:28","modified_gmt":"2026-10-09T23:58:28","slug":"mortgage-protection","status":"publish","type":"page","link":"https:\/\/www.wealthcrafters.org\/es\/mortgage-protection\/","title":{"rendered":"Protecci\u00f3n hipotecaria"},"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: 33.688107357705%;'><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-737 avia-img-lazy-loading-not-737\"  src=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/mortgage-protection-banner.png\" width=\"2161\" height=\"728\" title='mortgage-protection-banner' alt='Mortgage Protection \u2014 help protect your family\u2019s home'  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/mortgage-protection-banner.png 2161w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/mortgage-protection-banner-300x101.png 300w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/mortgage-protection-banner-1030x347.png 1030w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/mortgage-protection-banner-768x259.png 768w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/mortgage-protection-banner-1536x517.png 1536w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/mortgage-protection-banner-2048x690.png 2048w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/mortgage-protection-banner-1500x505.png 1500w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/mortgage-protection-banner-705x238.png 705w\" sizes=\"(max-width: 2161px) 100vw, 2161px\" \/><\/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-738 avia-img-lazy-loading-not-738\"  src=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/help-your-family-stay-home.png\" width=\"2172\" height=\"724\" title='help-your-family-stay-home' alt=''  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/help-your-family-stay-home.png 2172w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/help-your-family-stay-home-300x100.png 300w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/help-your-family-stay-home-1030x343.png 1030w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/help-your-family-stay-home-768x256.png 768w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/help-your-family-stay-home-1536x512.png 1536w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/help-your-family-stay-home-2048x683.png 2048w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/help-your-family-stay-home-1500x500.png 1500w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/help-your-family-stay-home-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-739 avia-img-lazy-loading-not-739\"  src=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/plan-around-your-mortgage.png\" width=\"2172\" height=\"724\" title='plan-around-your-mortgage' alt=''  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/plan-around-your-mortgage.png 2172w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/plan-around-your-mortgage-300x100.png 300w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/plan-around-your-mortgage-1030x343.png 1030w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/plan-around-your-mortgage-768x256.png 768w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/plan-around-your-mortgage-1536x512.png 1536w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/plan-around-your-mortgage-2048x683.png 2048w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/plan-around-your-mortgage-1500x500.png 1500w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/plan-around-your-mortgage-705x235.png 705w\" sizes=\"(max-width: 2172px) 100vw, 2172px\" \/><\/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-740 avia-img-lazy-loading-not-740\"  src=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/protect-what-feels-like-home.png\" width=\"2172\" height=\"724\" title='protect-what-feels-like-home' alt=''  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/protect-what-feels-like-home.png 2172w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/protect-what-feels-like-home-300x100.png 300w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/protect-what-feels-like-home-1030x343.png 1030w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/protect-what-feels-like-home-768x256.png 768w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/protect-what-feels-like-home-1536x512.png 1536w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/protect-what-feels-like-home-2048x683.png 2048w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/protect-what-feels-like-home-1500x500.png 1500w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/protect-what-feels-like-home-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-32819562a9d88dc4877fc64c8dff8650\">\n#top .av-special-heading.av-lykhby3y-32819562a9d88dc4877fc64c8dff8650{\npadding-bottom:10px;\ncolor:#176020;\n}\nbody .av-special-heading.av-lykhby3y-32819562a9d88dc4877fc64c8dff8650 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-lykhby3y-32819562a9d88dc4877fc64c8dff8650 .special-heading-inner-border{\nborder-color:#176020;\n}\n.av-special-heading.av-lykhby3y-32819562a9d88dc4877fc64c8dff8650 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-lykhby3y-32819562a9d88dc4877fc64c8dff8650 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\"  >Ayude a su familia a conservar el hogar que ama<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<div  class='avia-button-wrap av-lyko8mfw-ac646087cbd61bc34df9a36804d8260e-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-ac646087cbd61bc34df9a36804d8260e\">\n@keyframes av_sonarEffect_av-lyko8mfw-ac646087cbd61bc34df9a36804d8260e {\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-ac646087cbd61bc34df9a36804d8260e.avia-sonar-shadow:hover:after{\nanimation:av_sonarEffect_av-lyko8mfw-ac646087cbd61bc34df9a36804d8260e 1s ease-in-out;\n}\n<\/style>\n<a href='https:\/\/calendly.com\/wealthcrafters\/life-insurance-consultation'  class='avia-button av-lyko8mfw-ac646087cbd61bc34df9a36804d8260e 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 hipotecaria\"><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 hipotecaria<\/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>Su hogar es m\u00e1s que una hipoteca. Es donde su familia construye una vida.<\/strong><\/p>\n<p>Si usted ya no estuviera, \u00bfpodr\u00edan sus seres queridos continuar con los pagos? La planificaci\u00f3n de protecci\u00f3n hipotecaria utiliza el seguro de vida para prepararse ante esa brecha financiera. Un beneficio por fallecimiento cubierto puede proporcionar dinero a sus beneficiarios para ayudar con la hipoteca y otras necesidades del hogar.<\/p>\n<p>En Wealth Crafters, comenzamos con su hogar, su presupuesto y las personas que dependen de usted. Juntos podemos explorar coberturas que respalden los objetivos de su familia.<\/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-8ca38f8a2abf4f4f1ac69c0244fb2b47\">\n#top .av-special-heading.av-lykokh9h-8ca38f8a2abf4f4f1ac69c0244fb2b47{\npadding-bottom:10px;\ncolor:#176020;\n}\nbody .av-special-heading.av-lykokh9h-8ca38f8a2abf4f4f1ac69c0244fb2b47 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-lykokh9h-8ca38f8a2abf4f4f1ac69c0244fb2b47 .special-heading-inner-border{\nborder-color:#176020;\n}\n.av-special-heading.av-lykokh9h-8ca38f8a2abf4f4f1ac69c0244fb2b47 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-lykokh9h-8ca38f8a2abf4f4f1ac69c0244fb2b47 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 pensado para su hogar<\/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>\n<strong>Comience con su vivienda y su hogar.<\/strong> Una conversaci\u00f3n adecuada va m\u00e1s all\u00e1 del saldo pendiente del pr\u00e9stamo.<\/p>\n<ul>\n<li><strong>Su hipoteca:<\/strong> Revise el saldo, el plazo restante y el pago mensual, incluidos los impuestos y el seguro.<\/li>\n<li><strong>Su familia:<\/strong> Considere los ingresos, el cuidado de ni\u00f1os y otros gastos cotidianos que su hogar necesitar\u00eda reemplazar.<\/li>\n<li><strong>Su protecci\u00f3n existente:<\/strong> Revise los seguros de vida personales y los proporcionados por su empleador, sus ahorros y otras obligaciones.<\/li>\n<li><strong>Su presupuesto:<\/strong> Busque coberturas y primas que pueda mantener a lo largo del tiempo.<\/li>\n<\/ul>\n<p>Traiga su estado de cuenta hipotecario y la informaci\u00f3n de cualquier seguro de vida existente. Le ayudaremos a identificar las preguntas que debe hacer y las opciones que vale la pena considerar.<\/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-lykosr10-74512ec736eb481b87c3b84c60b75605\">\n.avia-image-container.av-lykosr10-74512ec736eb481b87c3b84c60b75605 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-lykosr10-74512ec736eb481b87c3b84c60b75605 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-lykosr10-74512ec736eb481b87c3b84c60b75605 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-741 avia-img-lazy-loading-not-741 avia_image' src=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/mortgage-protection-home-photo-1030x687.png\" alt='Parents and their child outside their home' title='mortgage-protection-home-photo'  height=\"687\" width=\"1030\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/mortgage-protection-home-photo-1030x687.png 1030w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/mortgage-protection-home-photo-300x200.png 300w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/mortgage-protection-home-photo-768x512.png 768w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/mortgage-protection-home-photo-1500x1000.png 1500w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/mortgage-protection-home-photo-705x470.png 705w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/mortgage-protection-home-photo.png 1536w\" sizes=\"(max-width: 1030px) 100vw, 1030px\" \/><\/div><\/div><\/div><br \/>\n<div  class='avia-button-wrap av-lykoxfp6-50886dc9f69198cb5d4311bc38ac84f2-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-lykoxfp6-50886dc9f69198cb5d4311bc38ac84f2\">\n@keyframes av_sonarEffect_av-lykoxfp6-50886dc9f69198cb5d4311bc38ac84f2 {\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-lykoxfp6-50886dc9f69198cb5d4311bc38ac84f2.avia-sonar-shadow:hover:after{\nanimation:av_sonarEffect_av-lykoxfp6-50886dc9f69198cb5d4311bc38ac84f2 1s ease-in-out;\n}\n<\/style>\n<a href='https:\/\/calendly.com\/wealthcrafters\/life-insurance-consultation'  class='avia-button av-lykoxfp6-50886dc9f69198cb5d4311bc38ac84f2 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 hipotecaria\"><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 hipotecaria<\/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-c7414deaea622eabcdd26130fa398c31\">\n#top .av-special-heading.av-lykpc9h1-c7414deaea622eabcdd26130fa398c31{\npadding-bottom:10px;\ncolor:#176020;\n}\nbody .av-special-heading.av-lykpc9h1-c7414deaea622eabcdd26130fa398c31 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-lykpc9h1-c7414deaea622eabcdd26130fa398c31 .special-heading-inner-border{\nborder-color:#176020;\n}\n.av-special-heading.av-lykpc9h1-c7414deaea622eabcdd26130fa398c31 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-lykpc9h1-c7414deaea622eabcdd26130fa398c31 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\"  >Comprenda sus opciones de protecci\u00f3n hipotecaria<\/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 pensando en su hipoteca<\/h4>\n<p>El seguro de vida a t\u00e9rmino proporciona cobertura durante un per\u00edodo determinado y puede ajustarse a una necesidad temporal, como una hipoteca. El seguro de vida permanente est\u00e1 dise\u00f1ado para protecci\u00f3n a m\u00e1s largo plazo, sujeto a los requisitos de la p\u00f3liza. Los costos, las garant\u00edas y las caracter\u00edsticas var\u00edan. Podemos revisar c\u00f3mo las opciones disponibles se ajustan a su hogar y al tiempo durante el cual espera necesitar cobertura.<\/p>\n<h4>Flexibilidad para sus seres queridos<\/h4>\n<p>Con una p\u00f3liza de seguro de vida personal pagadera a los beneficiarios que usted elija, generalmente pueden utilizar los fondos para pagos hipotecarios, liquidar un pr\u00e9stamo u otras necesidades. Importan la titularidad y cualquier cesi\u00f3n de beneficios. Algunas p\u00f3lizas de vida hipotecarias o de cr\u00e9dito pagan al prestamista y pueden tener un beneficio que disminuye con el saldo del pr\u00e9stamo. Le ayudaremos a comprender qui\u00e9n recibe el dinero y c\u00f3mo funciona la cobertura.<\/p>\n<h4>\u00bfEs lo mismo que el PMI?<\/h4>\n<p>No. El seguro hipotecario privado (PMI) generalmente protege al prestamista si el prestatario incumple los pagos. El seguro de vivienda cubre p\u00e9rdidas de propiedad contempladas en la p\u00f3liza. El seguro de vida para protecci\u00f3n hipotecaria atiende el impacto financiero del fallecimiento de una persona asegurada. Estas coberturas tienen funciones diferentes.<\/p>\n<h4>\u00bfQu\u00e9 sucede con una discapacidad o la p\u00e9rdida del empleo?<\/h4>\n<p>Un beneficio est\u00e1ndar por fallecimiento de un seguro de vida no paga autom\u00e1ticamente la hipoteca durante el desempleo o una discapacidad. Pueden estar disponibles beneficios adicionales, cl\u00e1usulas o coberturas separadas, con sus propios costos, reglas de elegibilidad, l\u00edmites y exclusiones. Pregunte qu\u00e9 est\u00e1 incluido antes de decidir.<\/p>\n<h4>Su revisi\u00f3n de protecci\u00f3n hipotecaria<\/h4>\n<ol>\n<li><strong>Comprenda la necesidad.<\/strong> Revise su hipoteca, los ingresos del hogar y las prioridades familiares.<\/li>\n<li><strong>Compare sus opciones.<\/strong> Converse sobre los montos de cobertura, la duraci\u00f3n de la p\u00f3liza, los beneficiarios y una prima accesible.<\/li>\n<li><strong>Mantenga actualizado el plan.<\/strong> Revise la cobertura despu\u00e9s de comprar una vivienda, refinanciar, tener un hijo o experimentar un cambio de ingresos. Mantenga vigente su cobertura actual hasta que cualquier reemplazo entre en vigor.<\/li>\n<\/ol>\n<p>La protecci\u00f3n hipotecaria puede formar parte de su conversaci\u00f3n sobre <a href=\"https:\/\/www.wealthcrafters.org\/es\/life-insurance\/\">seguro de vida<\/a> y <a href=\"https:\/\/www.wealthcrafters.org\/es\/estate-planning\/\">planificaci\u00f3n patrimonial<\/a> en general. El objetivo es ayudar a su familia a conservar sus opciones durante un momento dif\u00edcil.<\/p>\n<p><small>La cobertura est\u00e1 sujeta a evaluaci\u00f3n de riesgos, disponibilidad, condiciones de la p\u00f3liza y exclusiones. La hipoteca no se liquida autom\u00e1ticamente; los beneficios dependen de la p\u00f3liza, el monto de cobertura y una reclamaci\u00f3n cubierta mientras la p\u00f3liza est\u00e9 vigente. Esta informaci\u00f3n es educativa.<\/small><\/p>\n<\/div><\/div><br \/>\n<div  class='avia-button-wrap av-lykpqw89-6471efaca6a2b2d816d79b85e3af77da-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-lykpqw89-6471efaca6a2b2d816d79b85e3af77da\">\n@keyframes av_sonarEffect_av-lykpqw89-6471efaca6a2b2d816d79b85e3af77da {\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-lykpqw89-6471efaca6a2b2d816d79b85e3af77da.avia-sonar-shadow:hover:after{\nanimation:av_sonarEffect_av-lykpqw89-6471efaca6a2b2d816d79b85e3af77da 1s ease-in-out;\n}\n<\/style>\n<a href='https:\/\/calendly.com\/wealthcrafters\/life-insurance-consultation'  class='avia-button av-lykpqw89-6471efaca6a2b2d816d79b85e3af77da 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 el hogar de su familia \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 el hogar de su familia \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-742","page","type-page","status-publish","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.4 - 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