{"id":746,"date":"2026-10-10T00:11:50","date_gmt":"2026-10-10T00:11:50","guid":{"rendered":"https:\/\/www.wealthcrafters.org\/?page_id=746"},"modified":"2026-10-10T00:11:50","modified_gmt":"2026-10-10T00:11:50","slug":"income-protection-with-living-benefits","status":"publish","type":"page","link":"https:\/\/www.wealthcrafters.org\/es\/income-protection-with-living-benefits\/","title":{"rendered":"Protecci\u00f3n de ingresos con beneficios en vida"},"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: 33.410138248848%;'><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-747 avia-img-lazy-loading-not-747\"  src=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/income-protection-living-benefits.png\" width=\"2170\" height=\"725\" title='income-protection-living-benefits' alt='Income Protection with Living Benefits \u2014 couple reviewing household plans'  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/income-protection-living-benefits.png 2170w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/income-protection-living-benefits-300x100.png 300w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/income-protection-living-benefits-1030x344.png 1030w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/income-protection-living-benefits-768x257.png 768w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/income-protection-living-benefits-1536x513.png 1536w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/income-protection-living-benefits-2048x684.png 2048w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/income-protection-living-benefits-1500x501.png 1500w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/income-protection-living-benefits-705x236.png 705w\" sizes=\"(max-width: 2170px) 100vw, 2170px\" \/><\/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-748 avia-img-lazy-loading-not-748\"  src=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/support-when-life-changes.png\" width=\"2172\" height=\"724\" title='support-when-life-changes' alt='Support When Life Changes \u2014 a couple sharing a quiet moment at home'  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/support-when-life-changes.png 2172w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/support-when-life-changes-300x100.png 300w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/support-when-life-changes-1030x343.png 1030w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/support-when-life-changes-768x256.png 768w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/support-when-life-changes-1536x512.png 1536w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/support-when-life-changes-2048x683.png 2048w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/support-when-life-changes-1500x500.png 1500w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/support-when-life-changes-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-749 avia-img-lazy-loading-not-749\"  src=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/plan-for-everyday-expenses.png\" width=\"2172\" height=\"724\" title='plan-for-everyday-expenses' alt='Plan for Everyday Expenses \u2014 a couple reviewing their household budget'  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/plan-for-everyday-expenses.png 2172w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/plan-for-everyday-expenses-300x100.png 300w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/plan-for-everyday-expenses-1030x343.png 1030w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/plan-for-everyday-expenses-768x256.png 768w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/plan-for-everyday-expenses-1536x512.png 1536w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/plan-for-everyday-expenses-2048x683.png 2048w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/plan-for-everyday-expenses-1500x500.png 1500w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/plan-for-everyday-expenses-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-750 avia-img-lazy-loading-not-750\"  src=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/understand-your-living-benefits.png\" width=\"2172\" height=\"724\" title='understand-your-living-benefits' alt='Understand Your Living Benefits \u2014 a couple discussing coverage with a professional'  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/understand-your-living-benefits.png 2172w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/understand-your-living-benefits-300x100.png 300w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/understand-your-living-benefits-1030x343.png 1030w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/understand-your-living-benefits-768x256.png 768w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/understand-your-living-benefits-1536x512.png 1536w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/understand-your-living-benefits-2048x683.png 2048w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/understand-your-living-benefits-1500x500.png 1500w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/understand-your-living-benefits-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-8e5c07d88559c9ede02e7e7aaabd8930\">\n#top .av-special-heading.av-lykhby3y-8e5c07d88559c9ede02e7e7aaabd8930{\npadding-bottom:10px;\ncolor:#176020;\n}\nbody .av-special-heading.av-lykhby3y-8e5c07d88559c9ede02e7e7aaabd8930 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-lykhby3y-8e5c07d88559c9ede02e7e7aaabd8930 .special-heading-inner-border{\nborder-color:#176020;\n}\n.av-special-heading.av-lykhby3y-8e5c07d88559c9ede02e7e7aaabd8930 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-lykhby3y-8e5c07d88559c9ede02e7e7aaabd8930 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\"  >Beneficios de seguro de vida que podr\u00eda utilizar en vida<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<div  class='avia-button-wrap av-lyko8mfw-8624711954254fa224761b56c322c101-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-8624711954254fa224761b56c322c101\">\n@keyframes av_sonarEffect_av-lyko8mfw-8624711954254fa224761b56c322c101 {\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-8624711954254fa224761b56c322c101.avia-sonar-shadow:hover:after{\nanimation:av_sonarEffect_av-lyko8mfw-8624711954254fa224761b56c322c101 1s ease-in-out;\n}\n<\/style>\n<a href='https:\/\/calendly.com\/wealthcrafters\/life-insurance-consultation'  class='avia-button av-lyko8mfw-8624711954254fa224761b56c322c101 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 sobre beneficios en vida\"><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 sobre beneficios en vida<\/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>Planifique para los gastos que contin\u00faan cuando una enfermedad grave cambia su vida.<\/strong><\/p>\n<p>El seguro de vida con beneficios en vida puede permitirle acceder a una parte de su beneficio por fallecimiento mientras vive, tras una enfermedad que cumpla los requisitos. Esos fondos pueden ayudar con los gastos del hogar durante un momento dif\u00edcil, sujetos a las condiciones de la p\u00f3liza y de la cl\u00e1usula adicional.<\/p>\n<p><strong>Esta p\u00e1gina se centra en los beneficios en vida de un seguro de vida. No se trata de un seguro de ingresos por discapacidad, cobertura por desempleo ni una promesa de sustituir su salario.<\/strong><\/p>\n<p>En Wealth Crafters, podemos revisar sus necesidades de seguro de vida y explicarle si las opciones disponibles de beneficios en vida se ajustan a su familia, presupuesto y prioridades.<\/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-25b10d5a9f2b2f987d4654cb7916186b\">\n#top .av-special-heading.av-lykokh9h-25b10d5a9f2b2f987d4654cb7916186b{\npadding-bottom:10px;\ncolor:#176020;\n}\nbody .av-special-heading.av-lykokh9h-25b10d5a9f2b2f987d4654cb7916186b .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-lykokh9h-25b10d5a9f2b2f987d4654cb7916186b .special-heading-inner-border{\nborder-color:#176020;\n}\n.av-special-heading.av-lykokh9h-25b10d5a9f2b2f987d4654cb7916186b .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-lykokh9h-25b10d5a9f2b2f987d4654cb7916186b 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\"  >Planifique pensando en quienes dependen de usted<\/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>Sus ingresos sostienen m\u00e1s que un saldo bancario.<\/strong> Sostienen su hogar, su familia y las rutinas que desea conservar. Comience por identificar los gastos que continuar\u00edan si su salud cambiara.<\/p>\n<ul>\n<li><strong>Vivienda y hogar:<\/strong> Hipoteca o alquiler, servicios b\u00e1sicos, alimentos y transporte.<\/li>\n<li><strong>Responsabilidades familiares:<\/strong> Cuidado de ni\u00f1os, personas a su cargo y la ayuda que podr\u00eda necesitar en casa.<\/li>\n<li><strong>Sus recursos actuales:<\/strong> Ahorros de emergencia, beneficios laborales y seguros actuales.<\/li>\n<li><strong>Sus necesidades de seguro de vida:<\/strong> La protecci\u00f3n que a\u00fan desea dejar a sus beneficiarios.<\/li>\n<\/ul>\n<p>Traiga los documentos de su p\u00f3liza y sus cl\u00e1usulas adicionales actuales, si los tiene. Juntos podemos identificar qu\u00e9 cobertura posee y qu\u00e9 preguntas debe hacer antes de elegir una cobertura.<\/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-lykosr10-6207f82be416ceb85380f4ffd8d8f16f\">\n.avia-image-container.av-lykosr10-6207f82be416ceb85380f4ffd8d8f16f img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-lykosr10-6207f82be416ceb85380f4ffd8d8f16f .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-lykosr10-6207f82be416ceb85380f4ffd8d8f16f 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-751 avia-img-lazy-loading-not-751 avia_image' src=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/income-protection-home-photo-1030x687.png\" alt='Couple reviewing household expenses and life insurance with living benefits' title='income-protection-home-photo'  height=\"687\" width=\"1030\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/income-protection-home-photo-1030x687.png 1030w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/income-protection-home-photo-300x200.png 300w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/income-protection-home-photo-768x512.png 768w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/income-protection-home-photo-1500x1000.png 1500w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/income-protection-home-photo-705x470.png 705w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/income-protection-home-photo.png 1536w\" sizes=\"(max-width: 1030px) 100vw, 1030px\" \/><\/div><\/div><\/div><br \/>\n<div  class='avia-button-wrap av-lykoxfp6-53319826122d0227b68d95fe163aeb03-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-lykoxfp6-53319826122d0227b68d95fe163aeb03\">\n@keyframes av_sonarEffect_av-lykoxfp6-53319826122d0227b68d95fe163aeb03 {\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-lykoxfp6-53319826122d0227b68d95fe163aeb03.avia-sonar-shadow:hover:after{\nanimation:av_sonarEffect_av-lykoxfp6-53319826122d0227b68d95fe163aeb03 1s ease-in-out;\n}\n<\/style>\n<a href='https:\/\/calendly.com\/wealthcrafters\/life-insurance-consultation'  class='avia-button av-lykoxfp6-53319826122d0227b68d95fe163aeb03 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 el seguro de vida con beneficios en vida\"><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 el seguro de vida con beneficios en vida<\/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-be2c1652d8581ae4003a32a362766b57\">\n#top .av-special-heading.av-lykpc9h1-be2c1652d8581ae4003a32a362766b57{\npadding-bottom:10px;\ncolor:#176020;\n}\nbody .av-special-heading.av-lykpc9h1-be2c1652d8581ae4003a32a362766b57 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-lykpc9h1-be2c1652d8581ae4003a32a362766b57 .special-heading-inner-border{\nborder-color:#176020;\n}\n.av-special-heading.av-lykpc9h1-be2c1652d8581ae4003a32a362766b57 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-lykpc9h1-be2c1652d8581ae4003a32a362766b57 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 beneficios en vida<\/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>\u00bfQu\u00e9 son los beneficios en vida?<\/h4>\n<p>Para este servicio, los beneficios en vida son beneficios anticipados por fallecimiento incluidos en una p\u00f3liza de seguro de vida o cl\u00e1usula adicional. Permiten acceder a parte del beneficio por fallecimiento de la p\u00f3liza antes de morir, cuando el asegurado cumple una condici\u00f3n m\u00e9dica cubierta y la aseguradora aprueba la reclamaci\u00f3n. La disponibilidad y los requisitos var\u00edan seg\u00fan el producto y el estado.<\/p>\n<h4>\u00bfQu\u00e9 condiciones podr\u00edan cumplir los requisitos?<\/h4>\n<p>Seg\u00fan la cl\u00e1usula adicional, los eventos elegibles pueden incluir una enfermedad terminal, determinadas enfermedades graves o una enfermedad cr\u00f3nica que cumpla criterios definidos de atenci\u00f3n o deterioro cognitivo. Un diagn\u00f3stico o una ausencia laboral por s\u00ed solos no garantizan la elegibilidad. Rigen las definiciones exactas, la certificaci\u00f3n m\u00e9dica requerida, los per\u00edodos de espera y las exclusiones.<\/p>\n<h4>\u00bfC\u00f3mo podr\u00eda ayudar el dinero?<\/h4>\n<p>Cuando la cl\u00e1usula adicional permite el uso sin restricciones, un pago aprobado puede ayudar con la vivienda, los gastos cotidianos, el transporte o los costos de atenci\u00f3n. El momento y los montos de los pagos dependen del contrato; los beneficios no necesariamente se pagan como ingresos mensuales. Revisaremos las opciones disponibles sin suponer que todas las p\u00f3lizas funcionan de la misma manera.<\/p>\n<h4>Comprenda las implicaciones<\/h4>\n<p>Un pago anticipado reduce el beneficio por fallecimiento que queda para sus beneficiarios y puede afectar otros valores o beneficios de la p\u00f3liza. El efectivo recibido puede ser menor que el monto anticipado debido a descuentos o cargos. Antes de aceptar una oferta, revise la ilustraci\u00f3n de la aseguradora que muestra el pago y la cobertura que permanecer\u00eda.<\/p>\n<h4>\u00bfEs un seguro por discapacidad o un seguro de cuidados a largo plazo?<\/h4>\n<p>No. Los beneficios en vida est\u00e1n vinculados a condiciones espec\u00edficas de la p\u00f3liza; no se pagan autom\u00e1ticamente porque usted no pueda trabajar o pierda su empleo. Una cl\u00e1usula adicional de enfermedad cr\u00f3nica tampoco es necesariamente un seguro de cuidados a largo plazo. Revise estas necesidades por separado para comprender d\u00f3nde podr\u00edan quedar brechas de cobertura.<\/p>\n<h4>Su revisi\u00f3n de beneficios en vida<\/h4>\n<ol>\n<li><strong>Comience con sus prioridades.<\/strong> Hable sobre las personas que dependen de usted, sus obligaciones mensuales y sus objetivos de seguro de vida.<\/li>\n<li><strong>Lea los detalles.<\/strong> Compare las condiciones de elegibilidad, los costos, los l\u00edmites de beneficios y c\u00f3mo un pago anticipado modifica el beneficio por fallecimiento restante.<\/li>\n<li><strong>Elija un siguiente paso bien informado.<\/strong> Revise las coberturas disponibles y mantenga vigente su seguro actual hasta que cualquier reemplazo entre en vigor.<\/li>\n<\/ol>\n<p>Los beneficios en vida pueden formar parte de su conversaci\u00f3n sobre <a href=\"https:\/\/www.wealthcrafters.org\/es\/life-insurance\/\">seguro de vida<\/a> en general. Si su vivienda es una obligaci\u00f3n importante, explore tambi\u00e9n la <a href=\"https:\/\/www.wealthcrafters.org\/es\/mortgage-protection\/\">Protecci\u00f3n hipotecaria<\/a>.<\/p>\n<p><small>La cobertura y las cl\u00e1usulas adicionales est\u00e1n sujetas a evaluaci\u00f3n de riesgos, disponibilidad, condiciones de la p\u00f3liza y exclusiones. No todas las p\u00f3lizas incluyen todos los beneficios en vida. Anticipar beneficios reduce el beneficio por fallecimiento restante y puede afectar los impuestos o la elegibilidad para asistencia p\u00fablica; obtenga asesoramiento adecuado antes de utilizar un beneficio. No se garantiza ning\u00fan monto de beneficio ni la aprobaci\u00f3n de una reclamaci\u00f3n.<\/small><\/p>\n<\/div><\/div><br \/>\n<div  class='avia-button-wrap av-lykpqw89-3edc724bb296486546e221b52511ac2b-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-lykpqw89-3edc724bb296486546e221b52511ac2b\">\n@keyframes av_sonarEffect_av-lykpqw89-3edc724bb296486546e221b52511ac2b {\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-lykpqw89-3edc724bb296486546e221b52511ac2b.avia-sonar-shadow:hover:after{\nanimation:av_sonarEffect_av-lykpqw89-3edc724bb296486546e221b52511ac2b 1s ease-in-out;\n}\n<\/style>\n<a href='https:\/\/calendly.com\/wealthcrafters\/life-insurance-consultation'  class='avia-button av-lykpqw89-3edc724bb296486546e221b52511ac2b 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=\"Revise sus beneficios en vida \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' >Revise sus beneficios en vida \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-746","page","type-page","status-publish","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.4 - 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