{"id":5049,"date":"2021-03-25T12:26:36","date_gmt":"2021-03-25T12:26:36","guid":{"rendered":"https:\/\/www.pbfseguros.com\/?p=5049"},"modified":"2021-06-09T08:56:41","modified_gmt":"2021-06-09T08:56:41","slug":"sollte-ich-eine-lebensversicherung-abschliessen","status":"publish","type":"post","link":"https:\/\/www.pbfseguros.com\/de\/blog-de\/sollte-ich-eine-lebensversicherung-abschliessen\/","title":{"rendered":"Sollte ich eine lebensversicherung abschliessen?"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8220;1&#8243; custom_padding_last_edited=&#8220;on|tablet&#8220; _builder_version=&#8220;4.4.8&#8243; custom_margin_tablet=&#8220;&#8220; custom_margin_phone=&#8220;||||false|false&#8220; custom_margin_last_edited=&#8220;on|phone&#8220; custom_padding_tablet=&#8220;||0px||false|false&#8220; custom_padding_phone=&#8220;||0px||false|false&#8220; locked=&#8220;off&#8220;][et_pb_row column_structure=&#8220;2_3,1_3&#8243; use_custom_gutter=&#8220;on&#8220; gutter_width=&#8220;2&#8243; custom_padding_last_edited=&#8220;on|phone&#8220; _builder_version=&#8220;4.4.8&#8243; custom_margin_tablet=&#8220;||||false|false&#8220; custom_margin_phone=&#8220;||0px||false|false&#8220; custom_margin_last_edited=&#8220;on|tablet&#8220; custom_padding=&#8220;||||false|false&#8220; custom_padding_tablet=&#8220;||0px||false|false&#8220; custom_padding_phone=&#8220;&#8220;][et_pb_column type=&#8220;2_3&#8243; _builder_version=&#8220;4.4.8&#8243;][et_pb_post_title comments=&#8220;off&#8220; _builder_version=&#8220;4.4.8&#8243; title_font=&#8220;|600|||||||&#8220; title_font_size=&#8220;28px&#8220; title_line_height=&#8220;1.2em&#8220; meta_font_size=&#8220;13px&#8220; custom_margin=&#8220;||40px||false|false&#8220; title_font_size_tablet=&#8220;&#8220; title_font_size_phone=&#8220;22px&#8220; title_font_size_last_edited=&#8220;on|phone&#8220; meta_font_size_tablet=&#8220;&#8220; meta_font_size_phone=&#8220;12px&#8220; meta_font_size_last_edited=&#8220;on|phone&#8220; locked=&#8220;off&#8220;][\/et_pb_post_title][et_pb_text ul_type=&#8220;circle&#8220; _builder_version=&#8220;4.9.2&#8243; header_text_color=&#8220;#99cc33&#8243; header_3_font=&#8220;|600|||||||&#8220; header_3_text_align=&#8220;center&#8220; header_3_text_color=&#8220;#99cc33&#8243; header_3_font_size=&#8220;26px&#8220; background_size=&#8220;initial&#8220; background_position=&#8220;top_left&#8220; background_repeat=&#8220;repeat&#8220; text_orientation=&#8220;justified&#8220; custom_margin=&#8220;0px||0px||false|false&#8220;]<\/p>\n<p>Es ist sehr wichtig vorauszusehen, in welcher Situation wir unsere Familie im Falle unseres Todes hinterlassen w\u00fcrden, auch in einer Situation der Arbeitsunf\u00e4higkeit, auch wenn uns eine schwere Krankheit diagnostiziert wurde.<\/p>\n<p>Lebensversicherung bedeutet Sicherheit f\u00fcr unsere Familie, auch f\u00fcr uns selbst im Falle dieser unvorhergesehenen Ereignissen.<\/p>\n<p>Hypotheken, Privatkredite, andere finanzielle Belastungen, Studien unserer Kinder, Steuern im Falle einer Erbschaft &#8230; sind einige der Gr\u00fcnde, warum wir den Abschluss einer Lebensversicherung in Betracht ziehen sollten.<\/p>\n<h3>Welches Kapital soll ich abschliessen?<\/h3>\n<p>Das Kapital h\u00e4ngt von den finanziellen Belastungen ab, die wir haben. Zumindest sollten wir die Zahlung von Hypotheken oder Darlehen und ein zus\u00e4tzliches Kapital zur Zahlung von Steuern abdecken.<\/p>\n<p>Auch ist es ratsam, zus\u00e4tzlich zur Deckung dieser Kosten das Gehalt von drei Jahresenten zu zahlen, damit unsere Familie die verschiedenen Ausgaben des t\u00e4glichen Lebens wie der Erziehung der Kinder usw. \u00fcbernehmen kann.<\/p>\n<h3>Welche Garantien muss meine Lebensversicherung haben?<\/h3>\n<p>Die Todesfallversicherung f\u00fcr jede Ursache, Krankheit oder einen Unfall sowie die Krankenversicherung f\u00fcr absolute und dauerhafte Behinderungen (zur Ausf\u00fchrung jeglicher Art von Arbeit) m\u00fcssen immer abgeschlossen werden, um unserer Familie und uns selbst im Falle einer Behinderung Sicherheit zu geben.<\/p>\n<p>Eine weitere interessante Deckung ist Abdeckung Berufsunf\u00e4higkeit\/<em>Arbeitsunf\u00e4higkei<strong>t<\/strong><\/em> f\u00fcr unseren Beruf.<\/p>\n<p>Das Kapital kann im Falle einer schweren Krankheitsdiagnose sehr n\u00fctzlich sein, um die Kosten zu tragen, die sich aus der \u00c4nderung der wirtschaftlichen und gesundheitlichen Situation ergeben k\u00f6nnen, die diese Situation f\u00fcr uns verursachen kann.<\/p>\n<h3>Was kostet eine Lebensversicherung?<\/h3>\n<p>Der Preis h\u00e4ngt im Wesentlichen von drei Faktoren ab: Alter des Versicherten, Beruf und das zu versichernde Kapital.<\/p>\n<p>Lebensversicherungen k\u00f6nnen j\u00e4hrlich oder sogar monatlich bezahlt werden, so dass dies f\u00fcr eine Familie keine nennenswerten Kosten darstellt.<\/p>\n<p>Je nach Alter und Beruf, f\u00fcr ein Kapital von 100.000 \u20ac f\u00fcr eine 30-j\u00e4hrige Person kann der Versicherungspreis etwa 200 \u20ac pro Jahr und f\u00fcr einen 50-J\u00e4hrigen ungef\u00e4hr 400 \u20ac pro Jahr liegen.<\/p>\n<p>Es ist ein sehr niedriger Preis, um die Sicherheit unserer Familie zu gew\u00e4hrleisten.<\/p>\n<h3>Wie wird eine Lebensversicherung abgeschlossen?<\/h3>\n<p>Derzeit ist es sehr einfach, eine Versicherung abzuschlie\u00dfen, da dies pers\u00f6nlich, telefonisch und mit digitaler Signatur erfolgen kann.<\/p>\n<p>Bei Prudential and Brokers Finance beraten wir Sie, welches Kapital und welche Deckungen f\u00fcr Ihre Situation am besten geeignet sind.<\/p>\n<p>Rufen Sie uns an damit wir Ihnen das beste Angebot erstellen k\u00f6nnen.<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8220;4.9.2&#8243; header_text_color=&#8220;#99cc33&#8243; header_3_font=&#8220;|600|||||||&#8220; header_3_text_align=&#8220;center&#8220; header_3_text_color=&#8220;#99cc33&#8243; header_3_font_size=&#8220;26px&#8220; header_4_text_align=&#8220;justify&#8220; header_4_text_color=&#8220;#ffffff&#8220; header_4_font_size=&#8220;20px&#8220; header_4_line_height=&#8220;1.2em&#8220; background_color=&#8220;#95b344&#8243; background_size=&#8220;initial&#8220; background_position=&#8220;top_left&#8220; background_repeat=&#8220;repeat&#8220; text_orientation=&#8220;justified&#8220; custom_margin=&#8220;30px||||false|false&#8220; custom_padding=&#8220;15px|25px|8px|25px|false|true&#8220; header_4_font_size_tablet=&#8220;&#8220; header_4_font_size_phone=&#8220;16px&#8220; header_4_font_size_last_edited=&#8220;on|phone&#8220; border_radii=&#8220;on|15px|15px|15px|15px&#8220; locked=&#8220;off&#8220;]<\/p>\n<h4>Bei PBF Seguros arbeiten wir mit den besten Lebensversicherern, Axa, Allianz, Liberty, Santa Luc\u00eda, Reale, zusammen. <strong>Nutzen Sie aktuelle Angebote mit bis zu 50% Rabatt!<\/strong><\/h4>\n<p>[\/et_pb_text][et_pb_text disabled_on=&#8220;off|off|off&#8220; _builder_version=&#8220;4.8.1&#8243; header_3_font=&#8220;||||||||&#8220; header_3_text_align=&#8220;center&#8220; header_3_font_size=&#8220;32px&#8220; header_4_font=&#8220;||||||||&#8220; header_4_text_align=&#8220;center&#8220; header_4_font_size=&#8220;20px&#8220; module_alignment=&#8220;center&#8220; custom_margin=&#8220;50px||0px||false|false&#8220; hover_enabled=&#8220;0&#8243; 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submit_button_text=&#8220;Senden&#8220; module_id=&#8220;form_hablemos&#8220; _builder_version=&#8220;4.6.5&#8243; form_field_background_color=&#8220;#ffffff&#8220; form_field_text_color=&#8220;#000000&#8243; custom_button=&#8220;on&#8220; button_text_size=&#8220;22px&#8220; button_text_color=&#8220;#000000&#8243; button_bg_color=&#8220;#ffffff&#8220; button_border_width=&#8220;0px&#8220; button_border_color=&#8220;rgba(0,0,0,0)&#8220; button_border_radius=&#8220;80px&#8220; button_font=&#8220;|700|||||||&#8220; button_use_icon=&#8220;off&#8220; button_custom_margin=&#8220;||||false|false&#8220; button_custom_padding=&#8220;30px||30px||true|false&#8220; button_custom_padding_tablet=&#8220;&#8220; button_custom_padding_phone=&#8220;10px||10px||true|false&#8220; button_custom_padding_last_edited=&#8220;on|phone&#8220; module_alignment_tablet=&#8220;&#8220; module_alignment_phone=&#8220;center&#8220; module_alignment_last_edited=&#8220;on|phone&#8220; 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module_alignment=&#8220;center&#8220; custom_margin=&#8220;||6px||false|false&#8220;]<\/p>\n<p>B\u00fcro in Fuerteventura<\/p>\n<p>[\/et_pb_text][et_pb_social_media_follow use_icon_font_size=&#8220;on&#8220; disabled_on=&#8220;off|off|off&#8220; _builder_version=&#8220;4.7.7&#8243; text_orientation=&#8220;center&#8220; width=&#8220;100%&#8220; custom_margin=&#8220;||5px||false|false&#8220; border_radii=&#8220;on|7px|7px|7px|7px&#8220;][et_pb_social_media_follow_network social_network=&#8220;facebook&#8220; url=&#8220;https:\/\/www.facebook.com\/Prudential-Brokers-Finance-Fuerteventura-395515314604641\/&#8220; _builder_version=&#8220;4.4.9&#8243; background_color=&#8220;#95b344&#8243; background_enable_color=&#8220;on&#8220; border_radii=&#8220;on|8px|8px|8px|8px&#8220; follow_button=&#8220;off&#8220; url_new_window=&#8220;on&#8220;]facebook[\/et_pb_social_media_follow_network][et_pb_social_media_follow_network social_network=&#8220;instagram&#8220; url=&#8220;https:\/\/www.instagram.com\/pbf_seguros_fuerteventura\/&#8220; _builder_version=&#8220;4.7.7&#8243; _module_preset=&#8220;default&#8220; background_color=&#8220;#95b344&#8243; background_enable_color=&#8220;on&#8220; follow_button=&#8220;off&#8220; url_new_window=&#8220;on&#8220;]instagram[\/et_pb_social_media_follow_network][\/et_pb_social_media_follow][et_pb_text disabled_on=&#8220;off|off|off&#8220; _builder_version=&#8220;4.9.2&#8243; header_3_font=&#8220;||||||||&#8220; header_3_text_align=&#8220;center&#8220; header_3_font_size=&#8220;32px&#8220; header_4_font=&#8220;|700|||||||&#8220; header_4_text_align=&#8220;center&#8220; header_4_font_size=&#8220;20px&#8220; text_orientation=&#8220;center&#8220; module_alignment=&#8220;center&#8220; custom_margin=&#8220;||6px||false|false&#8220;]<\/p>\n<p>B\u00fcro in Tenerife<\/p>\n<p>[\/et_pb_text][et_pb_social_media_follow use_icon_font_size=&#8220;on&#8220; disabled_on=&#8220;off|off|off&#8220; _builder_version=&#8220;4.9.2&#8243; text_orientation=&#8220;center&#8220; width=&#8220;100%&#8220; custom_margin=&#8220;||5px||false|false&#8220; 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alt=&#8220;Willis Towers Watson &#8211; Networks | PBF seguros&#8220; title_text=&#8220;Willis Towers Watson &#8211; Networks | PBF seguros&#8220; url=&#8220;https:\/\/willisnetworks.es\/&#8220; url_new_window=&#8220;on&#8220; align=&#8220;center&#8220; _builder_version=&#8220;4.4.9&#8243; width_tablet=&#8220;&#8220; width_phone=&#8220;200px&#8220; width_last_edited=&#8220;on|phone&#8220; custom_margin=&#8220;||5px||false|false&#8220;][\/et_pb_image][et_pb_image src=&#8220;https:\/\/www.pbfseguros.com\/wp-content\/uploads\/2020\/06\/img-logo-mediadores-de-seguros-colegiados-pbf-seguros.jpg&#8220; alt=&#8220;Mediador de seguros colegiado | PBF seguros&#8220; title_text=&#8220;Mediador de seguros colegiado | PBF seguros&#8220; url=&#8220;http:\/\/www.mediaseguros.es\/&#8220; url_new_window=&#8220;on&#8220; align=&#8220;center&#8220; _builder_version=&#8220;4.4.9&#8243; width_tablet=&#8220;&#8220; width_phone=&#8220;60px&#8220; width_last_edited=&#8220;on|phone&#8220;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Es ist sehr wichtig vorauszusehen, in welcher Situation wir unsere Familie im Falle unseres Todes hinterlassen w\u00fcrden, auch in einer Situation der Arbeitsunf\u00e4higkeit, auch wenn uns eine schwere Krankheit diagnostiziert wurde.<\/p>\n","protected":false},"author":1,"featured_media":5060,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"[et_pb_section fb_built=\"1\" custom_padding_last_edited=\"on|tablet\" _builder_version=\"4.4.8\" custom_margin_tablet=\"\" custom_margin_phone=\"||||false|false\" custom_margin_last_edited=\"on|phone\" custom_padding_tablet=\"||0px||false|false\" custom_padding_phone=\"||0px||false|false\" locked=\"off\"][et_pb_row column_structure=\"2_3,1_3\" use_custom_gutter=\"on\" gutter_width=\"2\" custom_padding_last_edited=\"on|phone\" _builder_version=\"4.4.8\" custom_margin_tablet=\"||||false|false\" custom_margin_phone=\"||0px||false|false\" custom_margin_last_edited=\"on|tablet\" custom_padding=\"||||false|false\" custom_padding_tablet=\"||0px||false|false\" custom_padding_phone=\"\"][et_pb_column type=\"2_3\" _builder_version=\"4.4.8\"][et_pb_post_title comments=\"off\" _builder_version=\"4.4.8\" title_font=\"|600|||||||\" title_font_size=\"28px\" title_line_height=\"1.2em\" meta_font_size=\"13px\" custom_margin=\"||40px||false|false\" title_font_size_tablet=\"\" title_font_size_phone=\"22px\" title_font_size_last_edited=\"on|phone\" meta_font_size_tablet=\"\" meta_font_size_phone=\"12px\" meta_font_size_last_edited=\"on|phone\" locked=\"off\"][\/et_pb_post_title][et_pb_text ul_type=\"circle\" _builder_version=\"4.8.1\" header_text_color=\"#99cc33\" header_3_font=\"|600|||||||\" header_3_text_align=\"center\" header_3_text_color=\"#99cc33\" header_3_font_size=\"26px\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" text_orientation=\"justified\" custom_margin=\"0px||0px||false|false\"]<p>Con i tassi di interesse attuali ai minimi storici, i debitori in aumento e con il conseguente aumento delle commissioni, l'attivit\u00e0 bancaria tradizionale \u00e8 sotto pressione. Di conseguenza, le banche cercano nuove attivit\u00e0 per compensare le perdite. Attivit\u00e1 nelle quali non sono specializzate.<\/p>\r\n<p>\u00c8 pratica comune delle banche \u201cOFFRIRE\u201d, realmente lo pongono come una vincolazione, un'assicurazione per poter accedere al prestito (un mutuo, un credito personale o di impresa).<\/p>\r\n<p><strong>Tutto ci\u00f3 \u00c8 ILLEGALE!<\/strong><\/p>\r\n<p>Vincolare un'operazione di credito a una qualsiasi assicurazione \u00e9 illegale!<\/p>\r\n<p>Per legge, il richiedente un prestito \u00e8 libero di contrattare qualsiasi assicurazione necesaria per accedere al prestito stesso, presso un Assicuratore di sua scelta, che offra le migliori condizioni senza che questo comporti alcuna modifica delle condizioni del prestito (Legge sui Mutui e la RD Distribuzione delle Assicurazioni).<\/p>\r\n<p>Non dimentichiamo che le banche non sono specialisti assicurativi, bens\u00ed lavorano a loro volta con un assicuratore. Il loro obiettivo principale \u00e8 quello economico e non la consulenza o il servizio ai clienti.<\/p>\r\n<p>La banca difficilmente ti FORNIR\u00c0 UN SERVIZIO POST-VENDITA IN CASO DI RECLAMO. Fanno gi\u00e1 f\u00e1tica ad assistere i loro clienti a livello bancario!. Nota bene, la legge sulla Distribuzione Assicurativa RD obbliga l\u2019 Intermediario Assicurativo a fornire questo servizio post-vendita.<\/p>\r\n<p>Nei mutui immobiliari, la pratica di \"combinarli\" e vincolarli a un'assicurazione, quando si contrae il prestito, \u00e8 molto diffusa! Questa vincolazione \u00e9 il requisito per far accedere il cliente a un credito meno oneroso.<\/p>\r\n<p>Normalmente una polizza che vi offrir\u00e1 un Broker, sar\u00e1 pi\u00fa econ\u00f3mica di quella oferta da una Banca, per\u00f3 il tasso d\u2019interesse che vi offriranno sul prestito compenser\u00e1 questa differenza. Tuttavia un Broker sar\u00e1 pi\u00fa attento alle vostre necessit\u00e1 assicurative che non a quelle esclusive della banca (copertura obbligatoria per la costruzione). Inoltre, un Broker ti offrir\u00e1 un SERVIZIO POST-VENDITA migliore, sopratutto in caso di reclamo.<\/p>\r\n<p>La legge sui mutui consente alle banche di obbligare colui che richieda un mutuo, a stipulare un'assicurazione che protegga l\u2019oggetto del mutuo da danni eventuali. Questa copertura viene stipulata attraverso un'assicurazione che si suole chiamare \u201cmultirischio\u201d. Come affermato in precedenza, il cliente pu\u00f2 scegliere liberamente con quale Assicuratore e a quali condizioni assicurare la propria propriet\u00e0. In nessun momento la banca potr\u00e0 modificare le condizioni del finanziamento per questo motivo (vedi soprattutto il beneficiario dell\u2019assicurazione, che la Banca sempre lo metter\u00e1 a suo vantaggio, mentre sarebbe pi\u00fa logico e corretto mettere un proprio familiare\/discendente).<\/p>[\/et_pb_text][et_pb_text _builder_version=\"4.8.1\" header_text_color=\"#99cc33\" header_3_font=\"|600|||||||\" header_3_text_align=\"center\" header_3_text_color=\"#99cc33\" header_3_font_size=\"26px\" header_4_text_align=\"justify\" header_4_text_color=\"#ffffff\" header_4_font_size=\"20px\" header_4_line_height=\"1.2em\" background_color=\"#95b344\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" text_orientation=\"justified\" custom_margin=\"30px||||false|false\" custom_padding=\"15px|25px|8px|25px|false|true\" header_4_font_size_tablet=\"\" header_4_font_size_phone=\"16px\" header_4_font_size_last_edited=\"on|phone\" border_radii=\"on|15px|15px|15px|15px\" locked=\"off\"]<h4>In conclusione, vogliamo che tu sia libero di CERCARE e CONFRONTARE l'opzione migliore per la tua assicurazione con un Broker Professionista. Vogliamo che conosca i TUOI DIRITTI e che non ti senta costretto ad accettare la prima cosa che la banca ti offra. Fatti consigliare da un BROKER ASSICURATIVO!.<\/h4>[\/et_pb_text][et_pb_text disabled_on=\"off|off|off\" _builder_version=\"4.8.1\" header_3_font=\"||||||||\" header_3_text_align=\"center\" header_3_font_size=\"32px\" header_4_font=\"||||||||\" header_4_text_align=\"center\" header_4_font_size=\"20px\" module_alignment=\"center\" custom_margin=\"50px||0px||false|false\" hover_enabled=\"0\" sticky_enabled=\"0\"]<h4>Se ti \u00e8 piaciuto, condividi!<\/h4>\r\n[\/et_pb_text][et_pb_text _builder_version=\"4.8.1\" _module_preset=\"default\" text_orientation=\"center\" custom_margin=\"0px||50px||false|false\" custom_margin_tablet=\"\" custom_margin_phone=\"\" custom_margin_last_edited=\"on|phone\" hover_enabled=\"0\" sticky_enabled=\"0\"]<div class=\"addtoany_share_save_container addtoany_content addtoany_content_bottom et-fb-root-ancestor-sibling\"><div class=\"a2a_kit a2a_kit_size_32 addtoany_list\" 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data-et-has-event-already=\"true\"><span class=\"a2a_svg a2a_s__default a2a_s_whatsapp\" style=\"background-color: rgb(18, 175, 10);\"><svg focusable=\"false\" aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 32 32\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" fill=\"#FFF\" d=\"M16.21 4.41C9.973 4.41 4.917 9.465 4.917 15.7c0 2.134.592 4.13 1.62 5.832L4.5 27.59l6.25-2.002a11.241 11.241 0 0 0 5.46 1.404c6.234 0 11.29-5.055 11.29-11.29 0-6.237-5.056-11.292-11.29-11.292zm0 20.69c-1.91 0-3.69-.57-5.173-1.553l-3.61 1.156 1.173-3.49a9.345 9.345 0 0 1-1.79-5.512c0-5.18 4.217-9.4 9.4-9.4 5.183 0 9.397 4.22 9.397 9.4 0 5.188-4.214 9.4-9.398 9.4zm5.293-6.832c-.284-.155-1.673-.906-1.934-1.012-.265-.106-.455-.16-.658.12s-.78.91-.954 1.096c-.176.186-.345.203-.628.048-.282-.154-1.2-.494-2.264-1.517-.83-.795-1.373-1.76-1.53-2.055-.158-.295 0-.445.15-.584.134-.124.3-.326.45-.488.15-.163.203-.28.306-.47.104-.19.06-.36-.005-.506-.066-.147-.59-1.587-.81-2.173-.218-.586-.46-.498-.63-.505-.168-.007-.358-.038-.55-.045-.19-.007-.51.054-.78.332-.277.274-1.05.943-1.1 2.362-.055 1.418.926 2.826 1.064 3.023.137.2 1.874 3.272 4.76 4.537 2.888 1.264 2.9.878 3.43.85.53-.027 1.734-.633 2-1.297.266-.664.287-1.24.22-1.363-.07-.123-.26-.203-.54-.357z\"><\/path><\/svg><\/span><span class=\"a2a_label\">WhatsApp<\/span><\/a><\/div><\/div>[\/et_pb_text][et_pb_button button_url=\"https:\/\/www.pbfseguros.com\/it\/seguro-de-hogar\/#presupuesto\" button_text=\"Richiedi Preventivo\" button_alignment=\"center\" _builder_version=\"4.8.1\" custom_button=\"on\" button_text_size=\"25px\" button_text_color=\"#ffffff\" button_bg_color=\"#339966\" button_border_width=\"0px\" button_border_color=\"rgba(0,0,0,0)\" button_border_radius=\"35px\" button_font=\"|600|||||||\" custom_margin=\"25px||||false|false\" custom_margin_tablet=\"\" custom_margin_phone=\"0px||||false|false\" custom_margin_last_edited=\"on|phone\" custom_padding=\"10px||10px||true|false\" hover_enabled=\"0\" button_text_size_tablet=\"22px\" button_text_size_phone=\"20px\" button_text_size_last_edited=\"on|phone\" locked=\"off\" sticky_enabled=\"0\"][\/et_pb_button][et_pb_comments _builder_version=\"4.4.8\" header_font_size=\"22px\" header_line_height=\"1.2em\" title_font_size=\"16px\" custom_button=\"on\" button_text_size=\"16px\" button_text_color=\"#ffffff\" button_bg_color=\"#339966\" button_border_width=\"0px\" button_border_radius=\"48px\" button_icon_color=\"#ffffff\" custom_margin=\"100px||||false|false\" locked=\"off\"][\/et_pb_comments][\/et_pb_column][et_pb_column type=\"1_3\" _builder_version=\"4.4.8\"][et_pb_sidebar orientation=\"right\" _builder_version=\"4.4.8\" body_text_color=\"#000000\" module_alignment=\"center\" custom_margin=\"80px|||||\" custom_margin_tablet=\"0px||||false|false\" custom_margin_phone=\"||0px||false|false\" custom_margin_last_edited=\"on|phone\" custom_padding=\"0px||0px||false|false\" border_color_left=\"#ffffff\" locked=\"off\"][\/et_pb_sidebar][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\" _builder_version=\"4.4.8\" custom_margin=\"0px||0px||false|false\" custom_padding=\"0px||0px||false|false\" locked=\"off\"][et_pb_row _builder_version=\"4.4.8\" max_width=\"80%\"][et_pb_column type=\"4_4\" _builder_version=\"4.4.7\"][et_pb_text _builder_version=\"4.8.1\" header_2_font=\"|300|||||||\" header_2_text_align=\"center\" header_2_text_color=\"#95b344\" header_2_font_size=\"50px\" header_3_font=\"|600|||||||\" header_3_text_align=\"center\" header_3_font_size=\"28px\" custom_margin=\"||70px||false|false\" hover_enabled=\"0\" header_2_font_size_tablet=\"40px\" header_2_font_size_phone=\"34px\" header_2_font_size_last_edited=\"on|tablet\" sticky_enabled=\"0\"]<h2>Altre notizie attuali \u2026<\/h2>\r\n[\/et_pb_text][et_pb_blog fullwidth=\"off\" show_more=\"on\" show_author=\"off\" show_categories=\"off\" disabled_on=\"off|off|off\" _builder_version=\"4.4.8\" header_font=\"|600|||||||\" header_text_color=\"#000000\" header_font_size=\"22px\" body_text_color=\"#000000\" read_more_text_color=\"#95b344\" read_more_font_size=\"16px\" module_alignment=\"center\" border_width_all=\"0px\"][\/et_pb_blog][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\" module_id=\"hablemos\" _builder_version=\"4.4.8\" background_color=\"#95b344\" custom_padding=\"8px||8px||true|\" saved_tabs=\"all\" global_module=\"4336\"][et_pb_row column_structure=\"3_5,2_5\" use_custom_gutter=\"on\" gutter_width=\"2\" make_equal=\"on\" _builder_version=\"4.4.8\" width=\"95%\" max_width=\"95%\" module_alignment=\"center\"][et_pb_column type=\"3_5\" _builder_version=\"4.4.8\" custom_padding=\"25px||||false|false\"][et_pb_contact_form captcha=\"off\" email=\"pbf@prudentialandbrokers.com\" title=\"Formulario Hablemos | PBF seguros\" custom_message=\"Nueva petici\u00f3n de llamada gratuita desde la web.||et_pb_line_break_holder||||et_pb_line_break_holder||Nombre: %%name%%||et_pb_line_break_holder||Tel\u00e9fono: %%phone%%||et_pb_line_break_holder||Oficina: %%oficinas%%||et_pb_line_break_holder||Idioma: %%idioma%%||et_pb_line_break_holder||||et_pb_line_break_holder||Mensaje recibido desde www.pbfseguros.com\" success_message=\"Grazie per contattarci.\" submit_button_text=\"Parliamo\" module_id=\"form_hablemos\" _builder_version=\"4.6.6\" form_field_background_color=\"#ffffff\" form_field_text_color=\"#000000\" custom_button=\"on\" button_text_size=\"22px\" button_text_color=\"#000000\" button_bg_color=\"#ffffff\" button_border_width=\"0px\" button_border_color=\"rgba(0,0,0,0)\" button_border_radius=\"80px\" button_font=\"|700|||||||\" button_use_icon=\"off\" button_custom_margin=\"||||false|false\" button_custom_padding=\"30px||30px||true|false\" button_custom_padding_tablet=\"\" button_custom_padding_phone=\"10px||10px||true|false\" button_custom_padding_last_edited=\"on|phone\" module_alignment_tablet=\"\" module_alignment_phone=\"center\" module_alignment_last_edited=\"on|phone\" custom_css_contact_title=\"display:none;\" custom_css_contact_button=\"   margin-top: -28%;\" custom_css_contact_button_last_edited=\"on|phone\" custom_css_contact_button_phone=\"margin-top: 20px;||\" button_bg_color__hover_enabled=\"on|hover\" button_bg_color__hover=\"rgba(255,255,255,0.84)\" button_bg_enable_color__hover=\"on\"][et_pb_contact_field field_id=\"name\" field_title=\"Nome\" _builder_version=\"4.6.6\" button_text_size__hover_enabled=\"off\" button_one_text_size__hover_enabled=\"off\" button_two_text_size__hover_enabled=\"off\" button_text_color__hover_enabled=\"off\" button_one_text_color__hover_enabled=\"off\" button_two_text_color__hover_enabled=\"off\" button_border_width__hover_enabled=\"off\" button_one_border_width__hover_enabled=\"off\" button_two_border_width__hover_enabled=\"off\" button_border_color__hover_enabled=\"off\" button_one_border_color__hover_enabled=\"off\" button_two_border_color__hover_enabled=\"off\" button_border_radius__hover_enabled=\"off\" button_one_border_radius__hover_enabled=\"off\" button_two_border_radius__hover_enabled=\"off\" button_letter_spacing__hover_enabled=\"off\" button_one_letter_spacing__hover_enabled=\"off\" button_two_letter_spacing__hover_enabled=\"off\" button_bg_color__hover_enabled=\"off\" button_one_bg_color__hover_enabled=\"off\" button_two_bg_color__hover_enabled=\"off\" custom_css_main_element_last_edited=\"on|desktop\"][\/et_pb_contact_field][et_pb_contact_field field_id=\"phone\" field_title=\"Telefono\" _builder_version=\"4.6.6\" button_text_size__hover_enabled=\"off\" button_one_text_size__hover_enabled=\"off\" button_two_text_size__hover_enabled=\"off\" button_text_color__hover_enabled=\"off\" button_one_text_color__hover_enabled=\"off\" button_two_text_color__hover_enabled=\"off\" button_border_width__hover_enabled=\"off\" button_one_border_width__hover_enabled=\"off\" button_two_border_width__hover_enabled=\"off\" button_border_color__hover_enabled=\"off\" button_one_border_color__hover_enabled=\"off\" button_two_border_color__hover_enabled=\"off\" button_border_radius__hover_enabled=\"off\" button_one_border_radius__hover_enabled=\"off\" button_two_border_radius__hover_enabled=\"off\" button_letter_spacing__hover_enabled=\"off\" button_one_letter_spacing__hover_enabled=\"off\" button_two_letter_spacing__hover_enabled=\"off\" button_bg_color__hover_enabled=\"off\" button_one_bg_color__hover_enabled=\"off\" button_two_bg_color__hover_enabled=\"off\"][\/et_pb_contact_field][et_pb_contact_field field_id=\"oficinas\" field_title=\"Scegli l\u2019ufficio\" field_type=\"select\" select_options=\"%91{%22value%22:%22Gran Canaria%22,%22checked%22:0,%22dragID%22:-1},{%22value%22:%22Tenerife%22,%22checked%22:0,%22dragID%22:0},{%22value%22:%22Fuerteventura%22,%22checked%22:0,%22dragID%22:1},{%22value%22:%22La Palma%22,%22checked%22:0,%22dragID%22:2}%93\" _builder_version=\"4.6.6\"][\/et_pb_contact_field][et_pb_contact_field field_id=\"idioma\" field_title=\"Scegli la lingua\" field_type=\"select\" select_options=\"%91{%22value%22:%22Spagnolo%22,%22checked%22:0,%22dragID%22:-1},{%22value%22:%22Inglese%22,%22checked%22:0,%22dragID%22:0},{%22value%22:%22Italiano%22,%22checked%22:0,%22dragID%22:1},{%22value%22:%22Tedesco%22,%22checked%22:0,%22dragID%22:2},{%22value%22:%22Francese%22,%22checked%22:0,%22dragID%22:3}%93\" _builder_version=\"4.6.6\"][\/et_pb_contact_field][\/et_pb_contact_form][\/et_pb_column][et_pb_column type=\"2_5\" _builder_version=\"4.4.8\" border_width_left=\"3px\" border_color_left=\"#ffffff\" border_width_left_tablet=\"0px\" border_width_left_phone=\"\" border_width_left_last_edited=\"on|phone\"][et_pb_text _builder_version=\"4.5.8\" text_font_size=\"18px\" header_3_font=\"|700|||||||\" header_3_text_color=\"#ffffff\" header_3_font_size=\"33px\" width_tablet=\"75%\" width_phone=\"90%\" width_last_edited=\"on|tablet\" module_alignment=\"center\" custom_padding=\"15px||15px|40px|true|false\" custom_padding_tablet=\"|||0px|true|false\" custom_padding_phone=\"\" custom_padding_last_edited=\"on|phone\" text_font_size_tablet=\"\" text_font_size_phone=\"\" text_font_size_last_edited=\"on|phone\" header_3_text_align_tablet=\"center\" header_3_text_align_phone=\"center\" header_3_text_align_last_edited=\"on|phone\" text_orientation_tablet=\"center\" text_orientation_phone=\"\" text_orientation_last_edited=\"on|phone\" border_color_left=\"#ffffff\"]<h3>Ti chiamiamo GRATUITAMENTE!<\/h3>\r\n<p>Ti assistiamo nella tua lingua:<br \/> <strong>Spagnolo, Inglese, Italiano, Tedesco, Francese<\/strong>. Dall\u2019ufficio che preferisci.<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\" custom_padding_last_edited=\"on|phone\" _builder_version=\"4.4.8\" custom_padding=\"120px|||||\" custom_padding_tablet=\"60px||||false|false\" custom_padding_phone=\"0px||0px||false|false\" saved_tabs=\"all\" global_module=\"4335\"][et_pb_row column_structure=\"1_3,1_3,1_3\" _builder_version=\"4.4.9\" width=\"100%\" max_width=\"100%\" module_alignment=\"center\" custom_margin=\"40px||80px||false|false\" custom_margin_tablet=\"\" custom_margin_phone=\"||40px||false|false\" custom_margin_last_edited=\"on|phone\"][et_pb_column type=\"1_3\" _builder_version=\"4.4.9\" custom_padding=\"3%||||false|false\" custom_padding_tablet=\"0%||||false|false\" custom_padding_phone=\"0px||||false|false\" custom_padding_last_edited=\"on|phone\" custom_css_main_element_last_edited=\"on|tablet\" custom_css_main_element_phone=\"||\"][et_pb_text disabled_on=\"off|off|off\" _builder_version=\"4.6.6\" header_3_font=\"||||||||\" header_3_text_align=\"center\" header_3_font_size=\"32px\" header_4_font=\"|700|||||||\" header_4_text_align=\"center\" header_4_font_size=\"20px\" module_alignment=\"center\" custom_margin=\"||6px||false|false\"]<h4>Seguici!<\/h4>[\/et_pb_text][et_pb_social_media_follow use_icon_font_size=\"on\" icon_font_size=\"23px\" disabled_on=\"off|off|off\" _builder_version=\"4.7.7\" text_orientation=\"center\" border_radii=\"on|7px|7px|7px|7px\"][et_pb_social_media_follow_network social_network=\"facebook\" url=\"https:\/\/www.facebook.com\/Prudential-Brokers-Finance-Fuerteventura-395515314604641\/\" _builder_version=\"4.4.9\" background_color=\"#95b344\" background_enable_color=\"on\" border_radii=\"on|8px|8px|8px|8px\" follow_button=\"off\" url_new_window=\"on\"]facebook[\/et_pb_social_media_follow_network][et_pb_social_media_follow_network social_network=\"instagram\" url=\"https:\/\/www.instagram.com\/pbf_seguros_fuerteventura\/\" 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