Las p\u00f3lizas de seguro de vida se pueden categorizar de varias maneras. Una forma de verlos es considerando sus per\u00edodos de cobertura: cu\u00e1nto tiempo lo mantienen cubierto. Las p\u00f3lizas de vida a t\u00e9rmino est\u00e1n activas por un per\u00edodo de tiempo determinado que usted elija, ya sea 10 a\u00f1os o 30 a\u00f1os. Las p\u00f3lizas de seguro de vida permanente, por otro lado, permanecen activas hasta que usted muere, siempre que se mantenga al d\u00eda con los pagos de su prima, es decir.<\/p>\n\n\n\n
Otra gran distinci\u00f3n involucra el tipo de beneficios que proporciona cada p\u00f3liza. Las p\u00f3lizas de vida a t\u00e9rmino tienden a ser bastante simples. Ofrecen un pago predeterminado, generalmente libre de impuestos, si muere mientras la p\u00f3liza est\u00e1 activa, pero no acumulan ning\u00fan valor en efectivo adicional con el tiempo. Ciertos tipos de seguro de vida permanente, por otro lado, acumulan valor en efectivo adicional con varios impuestos advantages<\/em>. Some policies\u2014like variable life\u2014do this via investments in the stock market. These types of life insurance should be considered as part of an overall financial and estate plan. <\/p>\n\n\n\n If you’re enrolling in your employer’s health insurance plan for the first time or updating your existing coverage, it pays to be prepared. You might wonder if it makes more sense to go with a high-deductible or low-deductible plan.<\/p>\n\n\n\n Como la mayor\u00eda de las preguntas relacionadas con los beneficios, no hay una respuesta \u00fanica para esa pregunta; solo depende de sus necesidades individuales.<\/p>\n\n\n\n La forma m\u00e1s sencilla de decidir si un plan con deducible alto o bajo tiene m\u00e1s sentido es considerar su situaci\u00f3n de salud.<\/p>\n\n\n\n If you’re young and healthy, you may be less likely to need anything more than preventive care, in which case a high-deductible plan could be the better fit. On the other hand, a lower deductible may be more appealing if you’re older, have a chronic health condition, participate in high-risk sports or activities, are pregnant or plan to have a child at some point, or you require pricey prescriptions for a health issue.<\/p>\n\n\n\n It also helps to assess your savings and budget. Consider how easily you’d be able to meet a higher deductible if necessary. And if you have access to an HSA (health savings account) with a high-deductible plan as an employee benefit, ask yourself how much you’d be able to contribute each year. (Note: Similar to other tax-advantaged accounts, HSAs have annual contribution limits: for 2021, $3,600 for individuals with self-only coverage and $7,200 for those with family coverage.)<\/p>\n\n\n\n Con un plan de deducible bajo, piense cu\u00e1nto puede pagar por la prima mensual. Compare eso con el valor de poder tener servicios de atenci\u00f3n m\u00e9dica cubiertos cuando los necesite sin tener que entregar una cantidad significativa para el deducible.<\/p>","protected":false},"featured_media":0,"template":"indivinsurancepage.php","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"_price":"","_stock":"","_tribe_ticket_header":"","_tribe_default_ticket_provider":"","_tribe_ticket_capacity":"0","_ticket_start_date":"","_ticket_end_date":"","_tribe_ticket_show_description":"","_tribe_ticket_show_not_going":false,"_tribe_ticket_use_global_stock":"","_tribe_ticket_global_stock_level":"","_global_stock_mode":"","_global_stock_cap":"","_tribe_rsvp_for_event":"","_tribe_ticket_going_count":"","_tribe_ticket_not_going_count":"","_tribe_tickets_list":"[]","_tribe_ticket_has_attendee_info_fields":false},"class_list":["post-193","insurance_product","type-insurance_product","status-publish","hentry"],"acf":[],"yoast_head":"\nSeguro de salud<\/h2>\n\n\n\n