El seguro de vida total y el seguro de vida a término son dos productos muy diferentes que tienen propósitos muy diferentes. El seguro de vida total es un seguro de vida plena que tiene beneficios de por vida. Garantías temporales de seguro de vida por un cierto período de tiempo. No es elegible para dividendos de la compañía.
Seguro de vida a término versus seguro de vida total
La principal diferencia entre el seguro de vida a término y el seguro de vida total es que la cobertura de por vida no se proporciona para el seguro de vida temporal, pero el seguro de por vida proporciona cobertura de por vida. El seguro de vida a término tiene una prima baja inicialmente, pero luego puede aumentar, pero la prima en el seguro de vida completa es constante, no cambia más.
El seguro de vida a término o la póliza a término es un tipo de seguro que lo cubre durante algún tiempo, generalmente 10 o 20 años. Eso significa que si fallece durante ese período de tiempo, a sus beneficiarios se les pagará una cierta cantidad dependiendo del tipo de póliza que haya comprado.
El seguro de vida total se utiliza para la planificación patrimonial. También se ha utilizado para la planificación fiscal y la seguridad de jubilación de ingresos -. Las políticas de toda la vida se pueden usar para ayudar a las familias a salir de la deuda, pagar su hipoteca antes de tiempo, ahorrar para la universidad y mucho más. Funciona mejor como una estrategia de inversión a largo plazo -.
Tabla de comparación entre el seguro de vida a término y el seguro de vida total
Parámetros de comparación Term Life Insurance
El seguro de vida puede ser muy útil para proporcionar asistencia financiera a sus seres queridos cuando más lo necesitan. Este tipo de póliza cubre sus gastos funerarios, deudas pendientes y pagos de hipotecas en caso de que ocurra algo. El objetivo principal del seguro de vida es ayudar a su familia en caso de que esa persona muera.
Una póliza de seguro de vida garantiza el pago de una muerte a tanto alzado en la vida de una persona asegurada por una compañía de seguros de inmediato. El monto a pagar por la aseguradora se especifica por adelantado, generalmente como una suma global. Este tipo de seguro de vida brinda protección por un período fijo dependiendo del tipo de seguro.
El seguro de salud a largo plazo – es la póliza de seguro de vida más importante. El seguro de vida es una forma muy económica de proteger el futuro de su familia cuando la persona líder muere repentinamente. Las políticas a plazo son la forma más básica disponible en el mercado actual. Son contratos simples que no lo hacen.
El seguro de vida es una parte necesaria de la vida. Asegura la vida de la persona de ingresos. El seguro de vida a término no es una opción costosa. También es una de las mejores inversiones que puede realizar, ya que proporciona una enorme cantidad de protección financiera para su familia a un precio asequible.
¿Qué es el seguro de vida total?
El seguro de vida completo es la mejor manera para que las personas con experiencia financiera protejan a sus familias de una tragedia humana inesperada. Las personas que se toman en serio la protección del futuro de su familia deben considerar seriamente la cobertura del seguro de vida completa. Esto le brinda seguridad financiera a largo plazo – más allá del beneficio por muerte de la política.
Es una forma de seguro de vida permanente que ofrece seguridad financiera pura y beneficios a lo largo del tiempo, lo que le permite invertir, y obtenerlo cuando mueras o en otro evento que cree un reclamo. Al igual que con cualquier compra importante, hay cosas que debe saber antes de decidir.
El seguro de vida es una póliza de seguro de por vida que ayuda con la atención a largo plazo – a través de la planificación financiera. En toda su vida, la compañía de seguros invierte las primas, así como los fondos adicionales que agregue a su cuenta. El tomador del seguro recibe beneficios fiscales incrementales de esas inversiones y puede pedir prestado de su cuenta.
Mucha gente no sabe qué es exactamente el seguro de vida porque suena complicado. El seguro de vida total no es tan difícil como la gente lo hace sonar. El seguro de vida completo está diseñado para proteger a los dependientes del propietario de la póliza durante toda su vida. El seguro de vida completo a veces se conoce como seguro de vida ordinario.
Diferencias principales entre el seguro de vida a término y el seguro de vida total
- El seguro de vida a término tiene una prima más baja en comparación con el seguro de vida completa.
- La adquisición permanente no se aplica al seguro de vida temporal pero se aplica al seguro de vida.
- Premium tiene la oportunidad de obtener un seguro de vida a término, pero sigue siendo el mismo para el seguro de vida.
- Las acciones de la compañía no son para seguros de vida a término, sino para seguros de vida completa.
- El seguro de vida a término no se utiliza para la planificación patrimonial, pero el seguro de vida se utiliza para la planificación patrimonial.
- El seguro de vida a término no es para cobertura de por vida, pero el seguro de vida completa es para cobertura de por vida.
Síntesis
El seguro de vida completo y el seguro de vida alternativo es un seguro de vida que brinda protección financiera a su familia. La principal diferencia entre los dos es que el seguro de vida completa devuelve el valor en efectivo puro a lo largo del tiempo, y el seguro de vida a término solo lo protege de la muerte durante un período específico.
El seguro de vida es un seguro de vida permanente que salva a la familia a largo plazo. Los beneficios por fallecimiento del tomador del seguro se pagan en forma de un beneficio por fallecimiento y / o valor en efectivo, que acumula impuestos – diferidos hasta que se liquide la póliza. El seguro de vida a término no es para cobertura de por vida, pero el seguro de vida completa es para cobertura de por vida.
Los beneficios por fallecimiento del tomador del seguro se pagan solo en forma de un beneficio por fallecimiento, sin acumulación de efectivo. El seguro de vida total y el seguro de vida a término son dos productos muy diferentes que tienen propósitos muy diferentes.
Las políticas de términos son la forma más básica disponible en el mercado hoy en día. El monto a pagar por la aseguradora se especifica por adelantado, generalmente como una suma global. Existen varias pólizas de seguro, como la vida útil, la salud universal, la salud universal flexible y la pensión flexible. En toda su vida, la compañía de seguros mantiene las primas y los fondos adicionales que agrega a su cuenta.
- https://www.jstor.org/stable/252615
- https://www.nber.org/papers/w9925
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