{"id":83596,"date":"2019-09-18T13:26:08","date_gmt":"2019-09-18T12:26:08","guid":{"rendered":"https:\/\/www.zalba-caldu.com\/?p=83596"},"modified":"2022-04-19T11:48:16","modified_gmt":"2022-04-19T10:48:16","slug":"seguro-de-vida-barato-definicion-ahorro","status":"publish","type":"post","link":"https:\/\/www.zalba-caldu.com\/blog\/2019\/09\/18\/seguro-de-vida-barato-definicion-ahorro\/","title":{"rendered":"Seguro de vida barato, \u00bfmito o realidad?"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1497.6px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-two\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:1.29;\">Seguro de Vida: \u00bfqu\u00e9 es?<\/h2><\/div><div class=\"fusion-text fusion-text-1\"><h3 style=\"text-align: center;\" align=\"right\">Ni es mito, ni es leyenda\u2026 \u00a1El seguro de vida barato existe!<\/h3>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.88%;--awb-width-medium:66.666666666667%;--awb-spacing-right-medium:2.88%;--awb-spacing-left-medium:2.88%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-2\"><p>Una parte considerable de la poblaci\u00f3n no cree que el seguro de vida sea econ\u00f3mico o de utilidad. Con echar un simple vistazo general, se puede observar que los precios de este tipo de p\u00f3liza no son excesivos y que las coberturas pueden ser muy interesantes. Solo hace falta\u00a0 pararse a pensar \u201c\u00bfqu\u00e9 ocurrir\u00eda si\u2026?\u201d Porque s\u00ed, a ti tambi\u00e9n te puede ocurrir, no solo a los dem\u00e1s\u2026<\/p>\n<p>Un claro ejemplo de que tu seguro de vida puede salirte incluso barato es nuestro tarificador que os hemos dejado a la derecha: con introducir tan solo un par de datos os asesoramos cu\u00e1l es el capital id\u00f3neo a contratar. Antes de meternos en materia, necesitaremos saber qu\u00e9 es el seguro de vida y c\u00f3mo se define a rasgos generales. Podemos resumir el significado de seguro de vida en una simple frase:<\/p>\n<\/div><div class=\"fusion-text fusion-text-3\"><blockquote>\n<p>\nEl seguro de vida garantiza el pago al beneficiario designado en p\u00f3liza de una indemnizaci\u00f3n en caso de fallecimiento o invalidez de la persona asegurada.\n<\/p>\n<\/blockquote>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-padding-top:5px;--awb-padding-right:5px;--awb-padding-bottom:5px;--awb-padding-left:5px;--awb-overflow:hidden;--awb-bg-color:rgba(0,127,170,0.13);--awb-bg-color-hover:rgba(0,127,170,0.13);--awb-bg-size:cover;--awb-box-shadow:5px 5px 0px 0px #007faa;;--awb-border-radius:15px 15px 15px 15px;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-4\"><h2 style=\"text-align: center;\">\u00bfNo sabe qu\u00e9 capitales asegurar?<\/h2>\n<\/div><div class=\"fusion-text fusion-text-5\"><p style=\"text-align: center;\"><script type=\"text\/javascript\">var gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,initializeOnLoaded:function(o){gform.domLoaded&&gform.scriptsLoaded?o():!gform.domLoaded&&gform.scriptsLoaded?window.addEventListener(\"DOMContentLoaded\",o):document.addEventListener(\"gform_main_scripts_loaded\",o)},hooks:{action:{},filter:{}},addAction:function(o,n,r,t){gform.addHook(\"action\",o,n,r,t)},addFilter:function(o,n,r,t){gform.addHook(\"filter\",o,n,r,t)},doAction:function(o){gform.doHook(\"action\",o,arguments)},applyFilters:function(o){return gform.doHook(\"filter\",o,arguments)},removeAction:function(o,n){gform.removeHook(\"action\",o,n)},removeFilter:function(o,n,r){gform.removeHook(\"filter\",o,n,r)},addHook:function(o,n,r,t,i){null==gform.hooks[o][n]&&(gform.hooks[o][n]=[]);var e=gform.hooks[o][n];null==i&&(i=n+\"_\"+e.length),gform.hooks[o][n].push({tag:i,callable:r,priority:t=null==t?10:t})},doHook:function(n,o,r){var t;if(r=Array.prototype.slice.call(r,1),null!=gform.hooks[n][o]&&((o=gform.hooks[n][o]).sort(function(o,n){return o.priority-n.priority}),o.forEach(function(o){\"function\"!=typeof(t=o.callable)&&(t=window[t]),\"action\"==n?t.apply(null,r):r[0]=t.apply(null,r)})),\"filter\"==n)return r[0]},removeHook:function(o,n,t,i){var r;null!=gform.hooks[o][n]&&(r=(r=gform.hooks[o][n]).filter(function(o,n,r){return!!(null!=i&&i!=o.tag||null!=t&&t!=o.priority)}),gform.hooks[o][n]=r)}});<\/script>\n                <div class='gf_browser_unknown gform_wrapper gravity-theme gform-theme--no-framework' data-form-theme='gravity-theme' data-form-index='0' id='gform_wrapper_40' style='display:none'><form method='post' enctype='multipart\/form-data'  id='gform_40'  action='\/wp-json\/wp\/v2\/posts\/83596\/' data-formid='40' novalidate>\n                        <div class='gform-body gform_body'><div id='gform_fields_40' class='gform_fields top_label form_sublabel_below description_below'><div id=\"field_40_35\" class=\"gfield gfield--type-number field_sublabel_below gfield--no-description field_description_below gfield_visibility_visible\"  data-js-reload=\"field_40_35\" ><label class='gfield_label gform-field-label' for='input_40_35'>\u00bfQu\u00e9 deuda tiene pendiente por amortizar?<\/label><div class='ginput_container ginput_container_number'><input name='input_35' id='input_40_35' type='text' step='any'   value='' class='medium'    placeholder='10.000\u20ac'  aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_40_26\" class=\"gfield gfield--type-quantity gfield--input-type-number gfield_price gfield_price_40_14 gfield_quantity gfield_quantity_40_14 field_sublabel_below gfield--no-description field_description_below gfield_visibility_visible\"  data-js-reload=\"field_40_26\" ><label class='gfield_label gform-field-label' for='input_40_26'>\u00bfCuantos hijos\/as menores de edad tiene?<\/label><div class='ginput_container ginput_container_number'><input name='input_26' id='input_40_26' type='number' step='any'   value='' class='medium'    placeholder='0'  aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_40_14\" class=\"gfield gfield--type-product gfield--input-type-hiddenproduct gform_hidden gfield_price gfield_price_40_14 gfield_product_40_14 gfield_hidden_product field_sublabel_below gfield--no-description field_description_below gfield_visibility_visible\"  data-js-reload=\"field_40_14\" ><label class='gfield_label gform-field-label gfield_label_before_complex' for='input_40_14_1'>Capital por hijo<\/label><input type='hidden' name='input_14.1' value='Capital por hijo' class='gform_hidden' \/><input name='input_14.2' id='ginput_base_price_40_14' type='hidden' value='30.000,00 &#8364;' class='gform_hidden ginput_amount' \/><\/div><div id=\"field_40_34\" class=\"gfield gfield--type-product gfield--input-type-calculation gf_invisible gfield_price gfield_price_40_34 gfield_product_40_34 gfield_calculation field_sublabel_below gfield--no-description field_description_below gfield_visibility_visible\"  data-js-reload=\"field_40_34\" ><label class='gfield_label gform-field-label gfield_label_before_complex' for='input_40_34_1'>C\u00e1lculo 15%<\/label><div class='ginput_container ginput_container_product_calculation'>\n\t\t\t\t\t<input type='hidden' name='input_34.1' value='C\u00e1lculo 15%' class='gform_hidden' \/>\n\t\t\t\t\t<div id='ginput_product_price_40_34' class='ginput_product_price_wrapper'>\n\t\t\t\t\t\t<span class='gform-field-label gform-field-label--type-sub-large ginput_product_price_label'>Precio:<\/span>\n\t\t\t\t\t\t<span class='gform-field-label gform-field-label--type-sub-large ginput_product_price' id='input_40_34'>0,00 &#8364;<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<input type='hidden' name='input_34.2' id='ginput_base_price_40_34' class='gform_hidden' value='0,00 \u20ac'\/>\n\t\t\t\t\t<input type='hidden' name='input_34.3' value='1' class='ginput_quantity_40_34 gform_hidden' \/>\n\t\t\t\t<\/div><\/div><div id=\"field_40_6\" class=\"gfield gfield--type-total gfield_price gfield_price_40_ gfield_total gfield_total_40_ field_sublabel_below gfield--no-description field_description_below gfield_visibility_visible\"  aria-atomic=\"true\" aria-live=\"polite\" data-js-reload=\"field_40_6\" ><label class='gfield_label gform-field-label' for='input_40_6'>Capital recomendado a asegurar<\/label><div class='ginput_container ginput_container_total'>\n\t\t\t\t\t\t\t<input type='text' readonly name='input_6' id='input_40_6' value='0,00 &#8364;' class='gform-text-input-reset ginput_total ginput_total_40' \/>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/div>\n        <div class='gform_footer top_label'> <input type='submit' id='gform_submit_button_40' class='gform_button button' value='Enviar'  onclick='if(window[\"gf_submitting_40\"]){return false;}  if( 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if(!is_redirect){var confirmation_content = jQuery(this).contents().find('.GF_AJAX_POSTBACK').html();if(!confirmation_content){confirmation_content = contents;}setTimeout(function(){jQuery('#gform_wrapper_40').replaceWith(confirmation_content);jQuery(document).trigger('gform_confirmation_loaded', [40]);window['gf_submitting_40'] = false;wp.a11y.speak(jQuery('#gform_confirmation_message_40').text());}, 50);}else{jQuery('#gform_40').append(contents);if(window['gformRedirect']) {gformRedirect();}}jQuery(document).trigger(\"gform_pre_post_render\", [{ formId: \"40\", currentPage: \"current_page\", abort: function() { this.preventDefault(); } }]);                if (event.defaultPrevented) {                return;         }        const gformWrapperDiv = document.getElementById( \"gform_wrapper_40\" );        if ( gformWrapperDiv ) {            const visibilitySpan = document.createElement( \"span\" );            visibilitySpan.id = \"gform_visibility_test_40\";            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context, args );                };                var callNow = immediate && !timeout;                clearTimeout( timeout );                timeout = setTimeout( later, wait );                if ( callNow ) func.apply( context, args );            };        }        const debouncedTriggerPostRender = debounce( function() {            triggerPostRender();        }, 200 );        if ( visibilityTestDiv && visibilityTestDiv.offsetParent === null ) {            const observer = new MutationObserver( ( mutations ) => {                mutations.forEach( ( mutation ) => {                    if ( mutation.type === 'attributes' && visibilityTestDiv.offsetParent !== null ) {                        debouncedTriggerPostRender();                        observer.disconnect();                    }                });            });            observer.observe( document.body, {                attributes: true,                childList: false,                subtree: true,                attributeFilter: [ 'style', 'class' ],            });        } else {            triggerPostRender();        }    } );} ); \n\/* ]]> *\/\n<\/script>\n<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-6\"><p>Es un seguro que busca la protecci\u00f3n y tranquilidad de los m\u00e1s allegados al asegurado en caso de fallecimiento y la suya propia en caso de invalidez. Sabemos que es un tema delicado, pero debemos pensar en los seres queridos y continuar ayud\u00e1ndoles, aunque no estemos y en nosotros mismos por lo que pueda ocurrir.<\/p>\n<p>Con este tipo de p\u00f3liza se busca la tranquilidad, tanto del asegurado como de sus seres queridos, sobre un futuro incierto para todos. No se sabe que ocurrir\u00e1 ma\u00f1ana, pero ser\u00e1 mejor si sabemos que dispondr\u00e1n un respaldo econ\u00f3mico, \u00bfno?<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-two\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:1.29;\">\u00bfQu\u00e9 tipos de seguro de vida existen?<\/h2><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-7\"><p>Sabemos que, si est\u00e1s interesado en un seguro de vida barato, tendr\u00e1s conocimientos b\u00e1sicos sobre la tem\u00e1tica del seguro. Por si acaso, vamos a refrescar conceptos con un breve resumen. Para empezar, \u00bfqu\u00e9 figuras se involucran dentro de un seguro de vida?<\/p>\n<\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:15px;--awb-content-font-size:16px;--awb-icon-alignment:right;--awb-hover-color:var(--awb-custom16);--awb-border-color:var(--awb-custom14);--awb-background-color:var(--awb-color1);--awb-divider-color:var(--awb-custom14);--awb-divider-hover-color:var(--awb-custom14);--awb-icon-color:var(--awb-color3);--awb-title-color:var(--awb-color3);--awb-content-color:var(--awb-custom10);--awb-icon-box-color:#4d4f53;--awb-toggle-hover-accent-color:var(--awb-color4);--awb-toggle-active-accent-color:var(--awb-color8);--awb-title-font-family:&quot;Helvetica Now Text W05&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:24px;--awb-content-font-family:&quot;Helvetica Now Text W05&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-right fusion-toggle-icon-unboxed\" id=\"accordion-83596-1\"><div class=\"fusion-panel panel-default panel-3a0a376455083c268 fusion-toggle-no-divider fusion-toggle-boxed-mode\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_3a0a376455083c268\"><a aria-expanded=\"false\" aria-controls=\"3a0a376455083c268\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-83596-1\" data-target=\"#3a0a376455083c268\" href=\"#3a0a376455083c268\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Asegurador<\/span><\/a><\/h4><\/div><div id=\"3a0a376455083c268\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_3a0a376455083c268\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p style=\"text-align: left;\">Persona o entidad que ofrecer\u00e1 la contraprestaci\u00f3n a cambio de una prima.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-8db1a9f09d7082619 fusion-toggle-no-divider fusion-toggle-boxed-mode\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_8db1a9f09d7082619\"><a aria-expanded=\"false\" aria-controls=\"8db1a9f09d7082619\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-83596-1\" data-target=\"#8db1a9f09d7082619\" href=\"#8db1a9f09d7082619\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Tomador<\/span><\/a><\/h4><\/div><div id=\"8db1a9f09d7082619\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_8db1a9f09d7082619\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Persona que contrata y normalmente asume la prima del seguro.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-d624de27c15c4f482 fusion-toggle-no-divider fusion-toggle-boxed-mode\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_d624de27c15c4f482\"><a aria-expanded=\"false\" aria-controls=\"d624de27c15c4f482\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-83596-1\" data-target=\"#d624de27c15c4f482\" href=\"#d624de27c15c4f482\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Asegurado<\/span><\/a><\/h4><\/div><div id=\"d624de27c15c4f482\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_d624de27c15c4f482\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Aquella persona cubierta dentro de la p\u00f3liza.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-4b420ebc379dfe6a4 fusion-toggle-no-divider fusion-toggle-boxed-mode\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_4b420ebc379dfe6a4\"><a aria-expanded=\"false\" aria-controls=\"4b420ebc379dfe6a4\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-83596-1\" data-target=\"#4b420ebc379dfe6a4\" href=\"#4b420ebc379dfe6a4\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Beneficiarios<\/span><\/a><\/h4><\/div><div id=\"4b420ebc379dfe6a4\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_4b420ebc379dfe6a4\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Persona o personas que resultar\u00e1n indemnizadas con la contraprestaci\u00f3n.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-11770c57b93217010 fusion-toggle-no-divider fusion-toggle-boxed-mode\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_11770c57b93217010\"><a aria-expanded=\"false\" aria-controls=\"11770c57b93217010\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-83596-1\" data-target=\"#11770c57b93217010\" href=\"#11770c57b93217010\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Prima<\/span><\/a><\/h4><\/div><div id=\"11770c57b93217010\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_11770c57b93217010\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Cantidad a pagar a cambio de la transmisi\u00f3n del riesgo amparado en la p\u00f3liza<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-8\"><p>Dentro de la gama de <a href=\"https:\/\/www.zalba-caldu.com\/seguros\/vida-salud-accidentes\/vida\/\"><strong>seguros de vida y salud<\/strong><\/a>,\u00a0existen cuatro principales ramificaciones. Cada uno tiene unas caracter\u00edsticas particulares y se adaptan mejor dependiendo de la persona asegurada y sus beneficiarios.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><style type='text\/css'>.reading-box-container-1 .element-bottomshadow:before,.reading-box-container-1 .element-bottomshadow:after{opacity:0.70;}<\/style><div class=\"fusion-reading-box-container reading-box-container-1\" style=\"--awb-title-color:var(--awb-color2);--awb-margin-top:0px;--awb-margin-bottom:84px;\"><div class=\"reading-box element-bottomshadow\" style=\"background-color:#f6f6f6;border-width:1px;border-color:#f6f6f6;border-left-width:3px;border-left-color:var(--primary_color);border-style:solid;\"><h2>Seguros de vida riesgo.<\/h2><div class=\"reading-box-description fusion-reading-box-additional\"> <\/div><div class=\"reading-box-additional\">\n<p>Es la modalidad m\u00e1s extendida, por la cual, tal y como hemos explicado anteriormente, los beneficiarios designados en p\u00f3liza cobrar\u00e1n una indemnizaci\u00f3n por parte de la Compa\u00f1\u00eda de Seguros en el caso de que suceda cualquiera de las contingencias contratadas en la p\u00f3liza, habitualmente fallecimiento e invalidez, aunque es posible la contrataci\u00f3n de coberturas complementarias.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><style type='text\/css'>.reading-box-container-2 .element-bottomshadow:before,.reading-box-container-2 .element-bottomshadow:after{opacity:0.70;}<\/style><div class=\"fusion-reading-box-container reading-box-container-2\" style=\"--awb-title-color:var(--awb-color2);--awb-margin-top:0px;--awb-margin-bottom:84px;\"><div class=\"reading-box element-bottomshadow\" style=\"background-color:#f6f6f6;border-width:1px;border-color:#f6f6f6;border-left-width:3px;border-left-color:var(--primary_color);border-style:solid;\"><h2>Seguros de vida ahorro o supervivencia.<\/h2><div class=\"reading-box-description fusion-reading-box-additional\"> <\/div><div class=\"reading-box-additional\">\n<p>La finalidad de este contrato es proporcionar al asegurado una cantidad de dinero concreta, cuando termine el plazo de tiempo que se haya acordado al realizar la p\u00f3liza. En el caso de que el fallecimiento ocurra antes del vencimiento de la p\u00f3liza, los beneficiarios designados en la p\u00f3liza percibir\u00e1n el total de las primas aportadas por el tomador m\u00e1s un porcentaje o cantidad prefijada en la p\u00f3liza indemnizatorio. Diferentes planes de ahorro o jubilaci\u00f3n (PIAS, SIALP\u2026) adoptan esta funcionalidad para beneficiarse de ventajas fiscales.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><style type='text\/css'>.reading-box-container-3 .element-bottomshadow:before,.reading-box-container-3 .element-bottomshadow:after{opacity:0.70;}<\/style><div class=\"fusion-reading-box-container reading-box-container-3\" style=\"--awb-title-color:var(--awb-color2);--awb-margin-top:0px;--awb-margin-bottom:84px;\"><div class=\"reading-box element-bottomshadow\" style=\"background-color:#f6f6f6;border-width:1px;border-color:#f6f6f6;border-left-width:3px;border-left-color:var(--primary_color);border-style:solid;\"><h2>Seguros de vida entera.<\/h2><div class=\"reading-box-description fusion-reading-box-additional\"> <\/div><div class=\"reading-box-additional\">\n<p>Este tipo de seguros de vida responde a la necesidad del asegurado de garantizar una cantidad indemnizatoria en el caso de fallecimiento o invalidez al igual que en los seguros de vida riesgo. Adicionalmente, este tipo de p\u00f3lizas cuentan con un valor de rescate sobre las primas satisfechas que en caso de supervivencia del asegurado pueden servir, por ejemplo, como complemento a una pensi\u00f3n u otros fines.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><style type='text\/css'>.reading-box-container-4 .element-bottomshadow:before,.reading-box-container-4 .element-bottomshadow:after{opacity:0.70;}<\/style><div class=\"fusion-reading-box-container reading-box-container-4\" style=\"--awb-title-color:var(--awb-color2);--awb-margin-top:0px;--awb-margin-bottom:84px;\"><div class=\"reading-box element-bottomshadow\" style=\"background-color:#f6f6f6;border-width:1px;border-color:#f6f6f6;border-left-width:3px;border-left-color:var(--primary_color);border-style:solid;\"><h2>Seguros de rentas.<\/h2><div class=\"reading-box-description fusion-reading-box-additional\"> <\/div><div class=\"reading-box-additional\">\n<p><strong>Seguros de rentas<\/strong>. Este tipo de seguros supone mediante el pago de una prima \u00fanica por parte del tomador el cobro garantizado de una renta Existen diferentes tipos de seguros de renta (reversibles, no reversibles) que permiten adaptarse a cualquier necesidad de este tipo del asegurado.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-9\"><p>Sabemos que es un tema que puede resultar complicado y que da alg\u00fan que otro quebradero de cabeza, \u00a1pero para eso estamos aqu\u00ed! Ponte en contacto con nosotros para que te resolvamos todas las dudas.<\/p>\n<p>Puedes llamarnos al 976 37 37 38, de lunes a viernes en el horario de 09.00 a 14.30 y de 15.30 a 19.00, o nos puedes enviar un correo a <a href=\"mailto:vida@zalba-caldu.com\">vida@zalba-caldu.com<\/a> \u00a1D\u00e9janos ayudarte!<\/p>\n<\/div><div class=\"fusion-text fusion-text-10\"><h3 style=\"text-align: center;\"><strong>\u00a1No olvides seguirnos en redes sociales!<\/strong><\/h3>\n<\/div><div class=\"fusion-social-links fusion-social-links-1\" style=\"--awb-margin-top:0px;--awb-margin-right:0px;--awb-margin-bottom:0px;--awb-margin-left:0px;--awb-alignment:center;--awb-box-border-top:0px;--awb-box-border-right:0px;--awb-box-border-bottom:0px;--awb-box-border-left:0px;--awb-icon-colors-hover:var(--awb-color1);--awb-box-colors-hover:var(--awb-color4);--awb-box-border-color:var(--awb-color3);--awb-box-border-color-hover:var(--awb-color4);\"><div class=\"fusion-social-networks color-type-brand\"><div class=\"fusion-social-networks-wrapper\"><a class=\"fusion-social-network-icon fusion-tooltip fusion-facebook awb-icon-facebook\" style=\"color:#3b5998;font-size:16px;\" data-placement=\"top\" data-title=\"Facebook\" data-toggle=\"tooltip\" title=\"Facebook\" aria-label=\"facebook\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/www.facebook.com\/ZalbaCaldu\/\"><\/a><a class=\"fusion-social-network-icon fusion-tooltip fusion-twitter awb-icon-twitter\" style=\"color:#000000;font-size:16px;\" data-placement=\"top\" data-title=\"X\" data-toggle=\"tooltip\" title=\"X\" aria-label=\"twitter\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/twitter.com\/zalbacaldu\/\"><\/a><a class=\"fusion-social-network-icon fusion-tooltip fusion-linkedin awb-icon-linkedin\" style=\"color:#0077b5;font-size:16px;\" data-placement=\"top\" data-title=\"LinkedIn\" data-toggle=\"tooltip\" title=\"LinkedIn\" aria-label=\"linkedin\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/www.linkedin.com\/company\/zalba-caldu\/\"><\/a><a class=\"fusion-social-network-icon fusion-tooltip fusion-instagram awb-icon-instagram\" style=\"color:#3f729b;font-size:16px;\" data-placement=\"top\" data-title=\"Instagram\" data-toggle=\"tooltip\" title=\"Instagram\" aria-label=\"instagram\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/www.instagram.com\/zalbacaldu\/\"><\/a><a class=\"fusion-social-network-icon fusion-tooltip fusion-youtube awb-icon-youtube\" style=\"color:#cd201f;font-size:16px;\" data-placement=\"top\" data-title=\"YouTube\" data-toggle=\"tooltip\" title=\"YouTube\" aria-label=\"youtube\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/www.youtube.com\/c\/zalbacalduutebo\"><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":85844,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[286,288,287,289,271,93,290,291,255,270],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Seguro de vida barato, \u00bfmito o realidad? - Zalba-Cald\u00fa<\/title>\n<meta name=\"description\" content=\"Ni es mito, ni es leyenda\u2026 \u00a1El seguro de vida barato existe! 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