{"id":1895,"date":"2022-10-17T15:50:23","date_gmt":"2022-10-17T13:50:23","guid":{"rendered":"https:\/\/sermaseguros.es\/?p=1895"},"modified":"2022-10-17T17:15:55","modified_gmt":"2022-10-17T15:15:55","slug":"les-assegurances-de-vida","status":"publish","type":"post","link":"https:\/\/sermaseguros.es\/ca\/les-assegurances-de-vida\/","title":{"rendered":"Les assegurances de Vida"},"content":{"rendered":"\n

En qu\u00e8 consisteix una asseguran\u00e7a de vida?<\/a><\/strong><\/p>\n\n\n\n

Una asseguran\u00e7a de vida risc \u00e9s una p\u00f2lissa que protegeix econ\u00f2micament els nostres familiars en el cas que alguna cosa ens succeeixi.<\/p>\n\n\n\n

Principalment, cobreix la defunci\u00f3 de l’assegurat, encara que es poden afegir altres garanties com s\u00f3n la malaltia greu o la incapacitat permanent.<\/p>\n\n\n\n

Com funciona una asseguran\u00e7a de vida?<\/strong><\/p>\n\n\n\n

El funcionament d’una asseguran\u00e7a de vida \u00e9s molt senzill. Aquest producte \u00e9s un acord entre una asseguradora i una persona, el prenedor o assegurat. En aquest pacte, l’asseguradora es compromet a pagar una quantitat de diners (indemnitzaci\u00f3) als beneficiaris (persones, normalment familiars, triades pel prenedor de la p\u00f2lissa) en el cas que l’assegurat mori.<\/p>\n\n\n\n

El contracte de l’asseguran\u00e7a de vida \u00e9s anual i es va renovant anualment de manera autom\u00e0tica. En aquesta renovaci\u00f3, el preu sol pujar una mica, ja que el preu de l’asseguran\u00e7a dep\u00e8n de l’edat de l’assegurat. La indemnitzaci\u00f3 ajuda els beneficiaris a cobrir totes les seves despeses durant diversos anys. En el cas que quedis incapacitat per a continuar treballant, una asseguran\u00e7a de vida et permetr\u00e0 tenir una quantitat de diners per a continuar pagant totes les teves despeses i els de la teva fam\u00edlia.<\/p>\n\n\n\n

Quant es cobra per una asseguran\u00e7a de vida?<\/strong><\/p>\n\n\n\n

La indemnitzaci\u00f3 que reben els beneficiaris de l’asseguran\u00e7a de vida, dep\u00e8n de la quantitat contractada per l’assegurat. Aquests diners, que es pacta en el contracte, \u00e9s el que es coneix com a capital assegurat. Si hi ha un \u00fanic beneficiari, aquest cobrar\u00e0 la indemnitzaci\u00f3 completa. En el cas d’haver-hi varis, es repartir\u00e0 equitativament, tret que estiguin establerts els percentatges en el contracte.<\/p>\n\n\n\n

Fins a quina edat et cobreix una asseguran\u00e7a de vida<\/strong><\/p>\n\n\n\n

Com b\u00e9 indica el seu nom, les assegurances de vida temporals nom\u00e9s cobreixen un per\u00edode de temps determinat. El normal \u00e9s que cobreixin entre 10 i 30 anys. Durant aquests anys, la p\u00f2lissa estar\u00e0 activa i els teus familiars protegits. Despr\u00e9s d’aquest lapse, el prenedor no haur\u00e0 de pagar m\u00e9s i l’asseguradora no estar\u00e0 obligada al pagament de la indemnitzaci\u00f3 en cas de defunci\u00f3. L’edat m\u00e0xima per a comprar una asseguran\u00e7a de vida dependr\u00e0 de l’entitat amb la qual es contracti. A m\u00e9s, el temps ser\u00e0 pactat entre l’assegurat i la companyia a l’hora de signar el contracte. Generalment, l’edat m\u00e0xima per al contracte d’una asseguran\u00e7a de vida est\u00e0 entre els 65 i 70 anys. Per tant, la cobertura pot estendre’s m\u00e9s enll\u00e0 dels 65 anys, en alguns casos arriba fins i tot als 80 anys.<\/p>\n\n\n\n

Com funcionen les asseguradores?<\/strong><\/p>\n\n\n\n

Les asseguradores de p\u00f2lisses de vida s\u00f3n les encarregades d’efectuar el pagament de la indemnitzaci\u00f3 als beneficiaris de l’asseguran\u00e7a quan l’assegurat mor. En conseq\u00fc\u00e8ncia, les asseguradores s\u00f3n les que assumeixen el risc de la defunci\u00f3 de l’assegurat. Aix\u00ed, l’asseguran\u00e7a de vida permet que les persones que la contractin estiguin tranquil\u00b7les sabent que les seves fam\u00edlies estan protegides si alguna cosa els ocorre. I com s\u00f3n capa\u00e7os de pagar aquestes indemnitzacions? Les indemnitzacions en les assegurances de vida risc nom\u00e9s es paguen si es produeix la defunci\u00f3 durant el temps que la p\u00f2lissa est\u00e0 activa. Com hi ha moltes persones que sobreviuen a la seva p\u00f2lissa, a aquestes persones no se’ls paga mai gens de diners, per\u00f2 ja han anat pagant les seves primes. Per tant, les asseguradores reuneixen els diners de les primes de tots els seus clients assegurats i amb aquests diners pagaran les indemnitzacions que corresponguin.<\/p>\n\n\n\n

L’asseguran\u00e7a de vida que de veritat funciona<\/strong><\/p>\n\n\n\n

Quan contractes una asseguran\u00e7a de vida el que est\u00e0s buscant \u00e9s una protecci\u00f3 efica\u00e7 per a la teva fam\u00edlia. A SERMA Assegurances <\/a>t’ajudem a trobar l’asseguran\u00e7a de vida que millor s’adapta a les teves necessitats. En tan sols uns segons et calcularem el preu de la teva asseguran\u00e7a i en menys de 5 minuts podr\u00e0s contractar-la. Contacta amb nosaltres. <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

En qu\u00e8 consisteix una asseguran\u00e7a de vida? Una asseguran\u00e7a de vida risc \u00e9s una p\u00f2lissa que protegeix econ\u00f2micament els nostres familiars en el cas que alguna cosa ens succeeixi. Principalment, cobreix la defunci\u00f3 de l’assegurat, encara que es poden afegir altres garanties com s\u00f3n la malaltia greu o la incapacitat permanent. Com funciona una asseguran\u00e7a […]<\/p>\n","protected":false},"author":2,"featured_media":1892,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[63],"tags":[28,57],"class_list":["post-1895","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assegurances","tag-empresa","tag-gerents"],"acf":[],"yoast_head":"\nLes assegurances de Vida - Serma<\/title>\n<meta name=\"description\" content=\"Les assegurances de Vida Les assegurances de Vida Assegurances -\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/sermaseguros.es\/ca\/les-assegurances-de-vida\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les assegurances de Vida - 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