{"id":5050,"date":"2021-03-25T12:08:45","date_gmt":"2021-03-25T12:08:45","guid":{"rendered":"https:\/\/www.pbfseguros.com\/?p=5050"},"modified":"2021-06-08T19:25:23","modified_gmt":"2021-06-08T19:25:23","slug":"should-i-contract-life-insurance","status":"publish","type":"post","link":"https:\/\/www.pbfseguros.com\/en\/blog-en\/should-i-contract-life-insurance\/","title":{"rendered":"Should i contract life insurance?"},"content":{"rendered":"

[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=”4.9.2″ 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>\n

It is very important to have foreseen in what situation we would leave our family in the event of our death, also of a situation of inability to work, even if we were diagnosed with a serious illness.<\/p>\n

Life Insurance means Peace of Mind and Security for our Family, even for ourselves in the event of these unforeseen events.<\/p>\n

Mortgages, personal loans, other financial charges, education costs of our children, taxes to pay in case of inheritance … are some of the reasons why we should consider taking out Life Insurance.<\/p>\n

What Capital Should I Hire?<\/h3>\n

The Capital will depend on the financial charges that we have, at least we should cover the payment of mortgages or loans and an additional capital to pay taxes.<\/p>\n

As a minimum it is advisable, in addition to covering these expenses, additionally the salary of three annuities so that our family can face various expenses of daily life such as the education of the children etc \u2026<\/p>\n

What Guarantees does my Life Insurance have to have?<\/h3>\n

The Coverage for Death due to any cause, illness or accident, and that for Absolute and Permanent Disability (to carry out any type of work), must always be contracted, to give security to our family and ourselves in the event of Disability for any job.<\/p>\n

Another interesting coverage is Total Disability, for our usual profession.<\/p>\n

And the Capital in the event of a Serious Illness Diagnosis can be very useful to meet the expenses derived from the change in the economic and health situation that it\u2019s going to cause us.<\/p>\n

How much does Life Insurance cost?<\/h3>\n

The price basically depends on 3 factors, Age of the Insured, Profession and Capital to Insure.<\/p>\n

Life Insurance can be paid annually or even monthly so it is not really a significant expense for a family.<\/p>\n

Depending on age and profession, covering a capital of \u20ac 100,000 for a 30-year-old person, the price of the Insurance can be over \u20ac 200 per year and for a 50-year-old over \u20ac 400 per year.<\/p>\n

It is a very low price to cover the Safety and Peace of mind of our family.<\/p>\n

How is life insurance contracted?<\/h3>\n

Currently it is very simple to contract the Insurance since it can be done in person, by phone and with a digital signature.<\/p>\n

At Prudential and Brokers Finance we advise you on which capital and coverage are the most appropriate for your situation.<\/p>\n

Call us and with a few details we can put together a quote for you.<\/p>\n

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At PBF Seguros we work with the best Life insurers, Axa, Allianz, Liberty, Santa Luc\u00eda, Reale, etc… Take advantage of current campaigns with up to a 50% discount!<\/strong><\/h4>\n

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More current news\u2026<\/h2>\n

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It is very important to have foreseen in what situation we would leave our family in the event of our death, also of a situation of inability to work, even if we were diagnosed with a serious illness.<\/p>\n","protected":false},"author":1,"featured_media":5059,"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\"]

Con los tipos de inter\u00e9s actuales sobre el 0% y la morosidad en aumento, el negocio tradicional bancario se resiente y adem\u00e1s de subir las comisiones de las cuentas bancarias, buscan nuevas l\u00edneas de negocios en las que no son especialistas para intentar equilibrar sus resultados.<\/p>\r\n

Ya es pr\u00e1ctica habitual que al solicitar un Pr\u00e9stamo Hipotecario, Cr\u00e9dito personal o ICO, para aut\u00f3nomos y empresas, el banco te \u201cofrezca\u201d alg\u00fan tipo de seguro para poder llevar a cabo la operaci\u00f3n.<\/p>\r\n

Legalmente est\u00e1 prohibido Vincular una operaci\u00f3n de cr\u00e9dito a la contrataci\u00f3n de alg\u00fan seguro con el banco, el cliente tiene la libertad de contratar sus seguros con la Aseguradora que le ofrezca las mejores condiciones y no con el banco, y este no podr\u00e1 empeorar las condiciones del cr\u00e9dito por este motivo (Ley Hipotecaria y RD Distribuci\u00f3n de Seguros).<\/p>\r\n

Y no olvidemos que no son especialistas en seguros, trabajan con una aseguradora \u00fanicamente anteponiendo el inter\u00e9s econ\u00f3mico y no el asesoramiento al cliente, el banco NO VA A DARTE SERVICIO EN CASO DE SINIESTRO, si casi no nos atienden para gestiones bancarias, por cierto el RD Ley de Distribuci\u00f3n de Seguros obliga al Distribuidor de Seguros a dar este servicio postventa.
En Pr\u00e9stamos Hipotecarios est\u00e1 muy extendida la pr\u00e1ctica de \u201ccombinar\u201d seguros a la contrataci\u00f3n del Pr\u00e9stamo para as\u00ed \u201cbeneficiarte\u201d en las condiciones del tipo de inter\u00e9s del cr\u00e9dito. En este caso hay que calcular realmente que te ahorras por hacer esos seguros con el banco, puede ser menos o lo mismo que si lo contratas con un Corredor de Seguros Especializado que te buscar\u00e1 el mejor precio en las mejores compa\u00f1\u00edas y que te asesorar\u00e1 sobre las coberturas que necesitas y QUE TE DAR\u00c1 SERVICIO CUANDO TENGAS UN SINIESTRO O NECESITES CUALQUIER OTRA GESTI\u00d3N.<\/p>\r\n

Realmente la Ley hipotecaria s\u00f3lo permite que los bancos obliguen, a los prestatarios de un Cr\u00e9dito hipotecario, a contratar un seguro de da\u00f1os a la vivienda hipotecada, esto se contrata a trav\u00e9s de un Seguro multiriesgo del hogar. Y como hemos comentado antes, el cliente puede elegir con qu\u00e9 aseguradora y en qu\u00e9 condiciones contratarlo, y el banco no podr\u00e1 empeorar las condiciones del pr\u00e9stamo por este motivo.<\/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\"]

En conclusi\u00f3n COMPARA y BUSCA la mejor opci\u00f3n para tus seguros con un Mediador Profesional y no te quedes con lo primero que te ofrezca el banco, ya conoces tus derechos.<\/h4>[\/et_pb_text][et_pb_text disabled_on=\"off|off|off\" _builder_version=\"4.5.8\" 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\"]

Si te ha gustado, \u00a1comparte!<\/h4>[\/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\"]
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\u00a1Te llamamos GRATUITAMENTE!<\/h3>\r\n

Te atendemos en tu idioma:
Espa\u00f1ol, Ingl\u00e9s, Italiano, Alem\u00e1n y Franc\u00e9s. <\/strong>Desde la oficina que prefieras.<\/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\" global_module=\"256\" saved_tabs=\"all\"][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=\"4.4.9\" 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\"]

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