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<style>.tdi_20{display:inline-block}.tdi_20 .tdb-mobile-menu-button i{font-size:27px;width:54px;height:54px;line-height:54px}.tdi_20 .tdb-mobile-menu-button svg{width:27px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:54px;height:54px}.tdi_20 .tdb-mobile-menu-button{color:#ffffff}.tdi_20 .tdb-mobile-menu-button svg,.tdi_20 .tdb-mobile-menu-button svg *{fill:#ffffff}.tdi_20 .tdb-mobile-menu-button:hover{color:#ededed}.tdi_20 .tdb-mobile-menu-button:hover svg,.tdi_20 .tdb-mobile-menu-button:hover svg *{fill:#ededed}@media (max-width:767px){.tdi_20 .tdb-mobile-menu-button i{font-size:25px;width:50px;height:50px;line-height:50px}.tdi_20 .tdb-mobile-menu-button svg{width:25px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:50px;height:50px}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-mobile-menu-button"><i class="tdb-mobile-menu-icon td-icon-mobile"></i></span></div></div> <!-- ./block --></div></div><div class="vc_column tdi_22  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_22{vertical-align:baseline}.tdi_22>.wpb_wrapper,.tdi_22>.wpb_wrapper>.tdc-elements{display:block}.tdi_22>.wpb_wrapper>.tdc-elements{width:100%}.tdi_22>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_22>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_22{width:80%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_23 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_23" >
<style>.tdi_23 .tdb-logo-a,.tdi_23 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_23 .tdb-logo-svg-wrap{display:block}.tdi_23 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_23 .tdb-logo-img-wrap{display:block}.tdi_23 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_23 .tdb-logo-text-title{display:block;color:#ffffff;font-size:40px!important;letter-spacing:-2px!important;}.tdi_23 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_23 .tdb-logo-icon{top:0px;display:block}.tdi_23 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:1019px) and (max-width:1140px){.tdi_23 .tdb-logo-text-title{font-size:33px!important;}}@media (min-width:768px) and (max-width:1018px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;letter-spacing:-3px!important;}}@media (max-width:767px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_25  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>.tdi_25{vertical-align:baseline}.tdi_25>.wpb_wrapper,.tdi_25>.wpb_wrapper>.tdc-elements{display:block}.tdi_25>.wpb_wrapper>.tdc-elements{width:100%}.tdi_25>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_25>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_25{width:10%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_search tdi_26 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_26" >
<style>.tdi_26{display:inline-block}.tdi_26 .tdb-header-search-button-mob i{font-size:22px;width:55px;height:55px;line-height:55px}.tdi_26 .tdb-header-search-button-mob svg{width:22px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:55px;height:55px;display:flex;justify-content:center}.tdi_26 .tdb-header-search-button-mob{color:#ffffff}.tdi_26 .tdb-header-search-button-mob svg,.tdi_26 .tdb-header-search-button-mob svg *{fill:#ffffff}.tdi_26 .tdb-header-search-button-mob:hover{color:#f2f2f2}@media (max-width:767px){.tdi_26 .tdb-header-search-button-mob i{font-size:20px;width:50px;height:50px;line-height:50px}.tdi_26 .tdb-header-search-button-mob svg{width:20px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:50px;height:50px;display:flex;justify-content:center}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-header-search-button-mob dropdown-toggle" data-toggle="dropdown"><i class="tdb-mobile-search-icon td-icon-search"></i></span></div></div> <!-- ./block --></div></div></div></div></div></div>                    </div>

                
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<style scoped>.tdi_28{min-height:0}.td-header-desktop-wrap{position:relative}</style><div id="tdi_29" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_30  wpb_row td-pb-row tdc-element-style" >
<style scoped>.tdi_30,.tdi_30 .tdc-columns{min-height:0}.tdi_30,.tdi_30 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_30 .tdc-columns{width:100%}.tdi_30:before,.tdi_30:after{display:none}.tdi_30{padding-top:5px!important;padding-bottom:5px!important;position:relative}.tdi_30 .td_block_wrap{text-align:left}</style>
<div class="tdi_29_rand_style td-element-style" ><style>.tdi_29_rand_style{background-color:#005689!important}</style></div><div class="vc_column tdi_32  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_32{vertical-align:baseline}.tdi_32>.wpb_wrapper,.tdi_32>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_32>.wpb_wrapper>.tdc-elements{width:100%}.tdi_32>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_32>.wpb_wrapper{width:100%;height:100%}.tdi_32{width:30%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_date tdi_33 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_33" >
<style>.tdb_header_date{margin-bottom:0;clear:none}.tdb_header_date .tdb-block-inner{display:flex;align-items:baseline}.tdb_header_date .tdb-head-date-txt{font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:11px;line-height:1;color:#000}.tdi_33{display:inline-block}.tdi_33 .tdb-head-date-txt{color:#ffffff;font-size:15px!important;font-weight:600!important}@media (min-width:1019px) and (max-width:1140px){.tdi_33 .tdb-head-date-txt{font-size:14px!important}}@media (min-width:768px) and (max-width:1018px){.tdi_33 .tdb-head-date-txt{font-size:11px!important}}</style><div class="tdb-block-inner td-fix-index"><div class="tdb-head-date-txt">Saturday, September 12, 2026</div></div></div> <!-- ./block --></div></div><div class="vc_column tdi_35  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_35{vertical-align:baseline}.tdi_35>.wpb_wrapper,.tdi_35>.wpb_wrapper>.tdc-elements{display:block}.tdi_35>.wpb_wrapper>.tdc-elements{width:100%}.tdi_35>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_35>.wpb_wrapper{width:auto;height:auto}.tdi_35{width:40%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_36 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_36" >
<style>.tdi_36 .tdb-logo-a,.tdi_36 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_36 .tdb-logo-svg-wrap{display:block}.tdi_36 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_36 .tdb-logo-img-wrap{display:block}.tdi_36 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_36 .tdb-logo-text-title{display:block;color:#ffffff;font-size:43px!important;letter-spacing:-2px!important;}.tdi_36 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_36 .tdb-logo-icon{top:0px;display:block}.tdi_36 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:768px) and (max-width:1018px){.tdi_36 .tdb-logo-text-title{font-size:30px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_38  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_38{vertical-align:baseline}.tdi_38>.wpb_wrapper,.tdi_38>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-end;align-items:flex-end}.tdi_38>.wpb_wrapper>.tdc-elements{width:100%}.tdi_38>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_38>.wpb_wrapper{width:100%;height:100%}.tdi_38{width:30%!important}@media(min-width:1141px){.tdi_38{display:inline-block!important}}</style><div class="wpb_wrapper" ><div class="tdm_block td_block_wrap tdm_block_socials tdi_39 tdm-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_39" >
<style>.tdi_39{margin-right:10px!important;margin-bottom:10px!important;padding-top:-!important}</style>
<style>.tdm_block.tdm_block_socials{margin-bottom:0}.tdm-social-wrapper{*zoom:1}.tdm-social-wrapper:before,.tdm-social-wrapper:after{display:table;content:'';line-height:0}.tdm-social-wrapper:after{clear:both}.tdm-social-item-wrap{display:inline-block}.tdm-social-item{position:relative;display:inline-block;vertical-align:middle;-webkit-transition:all 0.2s;transition:all 0.2s;text-align:center;-webkit-transform:translateZ(0);transform:translateZ(0)}.tdm-social-item i{font-size:14px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-text{display:none;margin-top:-1px;vertical-align:middle;font-size:13px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-item-wrap:hover i,.tdm-social-item-wrap:hover .tdm-social-text{color:#000}.tdm-social-item-wrap:last-child .tdm-social-text{margin-right:0!important}</style>
<style>.tdi_40 .tdm-social-item i{font-size:13px;vertical-align:middle;line-height:19.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:10.4px}.tdi_40 .tdm-social-item{width:19.5px;height:19.5px;margin:5px 10px 5px 0}.tdi_40 .tdm-social-item-wrap:last-child .tdm-social-item{margin-right:0!important}.tdi_40 .tdm-social-item i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item i{color:#ffffff}.tdi_40 .tdm-social-item-wrap:hover i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item:hover i{color:#4db2ec}.tdi_40 .tdm-social-text{display:none;margin-left:2px;margin-right:18px;color:#ffffff;font-family:Merriweather Sans!important;font-size:12px!important}.tdi_40 .tdm-social-item-wrap:hover .tdm-social-text{color:#4db2ec}@media (min-width:768px) and (max-width:1018px){.tdi_40 .tdm-social-item i{font-size:11px;vertical-align:middle;line-height:16.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:8.8px}.tdi_40 .tdm-social-item{width:16.5px;height:16.5px}.tdi_40 .tdm-social-text{font-size:11px!important}}</style><div class="tdm-social-wrapper tds-social1 tdi_40"><div class="tdm-social-item-wrap"><a href="#"  title="Facebook" class="tdm-social-item"><i class="td-icon-font td-icon-facebook"></i><span style="display: none">Facebook</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Instagram" class="tdm-social-item"><i class="td-icon-font td-icon-instagram"></i><span style="display: none">Instagram</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Linkedin" class="tdm-social-item"><i class="td-icon-font td-icon-linkedin"></i><span style="display: none">Linkedin</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Twitter" class="tdm-social-item"><i class="td-icon-font td-icon-twitter"></i><span style="display: none">Twitter</span></a></div></div></div><div class="td_block_wrap tdb_header_search tdi_41 tdb-header-search-trigger-enabled td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_41" >
<style>.tdi_41{justify-content:flex-end!important;text-align:right!important}</style>
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aria-label="Buscar"><span>Buscar</span></button></div></form><div class="tdb-aj-search"></div></div></div><a href="#" role="button" aria-label="Buscar" class="tdb-head-search-btn dropdown-toggle" data-toggle="dropdown"><i class="tdb-search-icon td-icon-search"></i></a></div></div> <!-- ./block --></div></div></div></div><div id="tdi_42" class="tdc-row stretch_row_1400 td-stretch-content"><div class="vc_row tdi_43  wpb_row td-pb-row tdc-element-style" >
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<style>.tdb_title{margin-bottom:19px}.tdb_title.tdb-content-horiz-center{text-align:center}.tdb_title.tdb-content-horiz-center .tdb-title-line{margin:0 auto}.tdb_title.tdb-content-horiz-right{text-align:right}.tdb_title.tdb-content-horiz-right .tdb-title-line{margin-left:auto;margin-right:0}.tdb-title-text{display:inline-block;position:relative;margin:0;word-wrap:break-word;font-size:30px;line-height:38px;font-weight:700}.tdb-first-letter{position:absolute;-webkit-user-select:none;user-select:none;pointer-events:none;text-transform:uppercase;color:rgba(0,0,0,0.08);font-size:6em;font-weight:300;top:50%;-webkit-transform:translateY(-50%);transform:translateY(-50%);left:-0.36em;z-index:-1;-webkit-text-fill-color:initial}.tdb-title-line{display:none;position:relative}.tdb-title-line:after{content:'';width:100%;position:absolute;background-color:var(--td_theme_color,#4db2ec);top:0;left:0;margin:auto}.tdb-single-title .tdb-title-text{font-size:41px;line-height:50px;font-weight:400}.tdi_69 .tdb-title-text{color:#000000;font-family:Merriweather Sans!important;font-size:35px!important;line-height:1.4!important;font-weight:700!important}.tdi_69 .tdb-add-text{color:#000000;font-family:Merriweather Sans!important}.tdi_69 .tdb-title-line:after{height:2px;bottom:40%;background:#000000}.tdi_69 .tdb-title-line{height:50px}.td-theme-wrap .tdi_69{text-align:left}.tdi_69 .tdb-first-letter{left:-0.36em;right:auto;font-family:Merriweather Sans!important}@media (min-width:768px) and (max-width:1018px){.tdi_69 .tdb-title-text{font-size:27px!important}}@media (max-width:767px){.tdi_69 .tdb-title-text{font-size:25px!important}}</style><div class="tdb-block-inner td-fix-index"><h1 class="tdb-title-text">Seguro de vida con beneficios vivos</h1><div></div><div class="tdb-title-line"></div></div></div><div class="td_block_wrap tdb_single_featured_image tdi_70 tdb-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_70" >
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<p>El seguro de vida puede ser un tema incómodo, pero es importante, especialmente si tiene dependientes o herederos. Hacer un plan financiero para sus seres queridos puede ayudar a asegurar que no solo puedan cubrir los costos de su fin de vida y funeral, sino manejar cualquier deuda irresoluto. Lo que puede no darse cuenta es que el seguro de vida incluso puede ayudarlo con los gastos mientras aún está vivo. Los beneficios vivos suelen ser opcionales, pero puede significar la pena considerar. Bankrate ha reunido esta faro sobre beneficios para radicar para ayudarlo a comprender qué opciones adicionales están disponibles al comprar un seguro de vida.</p>
<h2 id="what-are-living-benefits-in-life-insurance" data-position="1" data-beam-element-viewed="" data-id="br-h2-1-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="What are living benefits in life insurance?" data-outcome=""><strong>¿Cuáles son los beneficios vivos en el seguro de vida?</strong></h2>
<p>Los beneficios vivos son exactamente lo que suenan: beneficios en una póliza de seguro de vida que puede utilizar mientras aún está vivo. Algunos beneficios vivos tienen la forma del valencia en efectivo acumulado de su póliza, mientras que otros son complementos opcionales, incluso llamados corredores, que amplían la cobertura de su política tipificado. </p>
<h2 id="types-of-life-insurance-living-benefits" data-position="2" data-beam-element-viewed="" data-id="br-h2-2-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Types of life insurance living benefits" data-outcome=""><strong>Tipos de seguros de vida beneficios para radicar</strong></h2>
<p>Dependiendo del tipo de póliza de seguro de vida que posea, puede tener paso a varios beneficios de vida. A continuación se presentan algunos de los tipos más comunes de opciones de beneficios vivos.</p>
<h3><strong>Valía en efectivo</strong></h3>
<p>Si compras un <u>póliza de seguro de vida permanente</u> (a diferencia de un <u>política</u>), se construirá una parte de sus primas <u>valencia en efectivo</u> con el tiempo. El tipo de póliza permanente que compre determinará cómo crece el parné.</p>
<p>De todos modos, tiene la opción de usar ese valencia en efectivo mientras aún está vivo. Aquí hay algunas opciones que pueden estar disponibles para usted.</p>
<ul>
<li>
<strong>Primas de seguro:</strong> En ciertas políticas, es posible que tenga la opción de usar su valencia en efectivo manada para acreditar sus primas si se ha acumulado lo suficiente.</li>
<li>
<strong>Préstamo:</strong> Puede usar su valencia en efectivo como préstamo. Deberá acreditar ese parné y cualquier interés aplicable, o puede deducirse de su beneficio por homicidio.</li>
<li>
<strong>Rendición completa:</strong> Tiene la opción de entregar completamente su póliza para obtener su valencia en efectivo como suma mundial. Si ejerce esta opción, perderá su beneficio por homicidio para sus beneficiarios y cualquier otro beneficio para la vida de seguro de vida adjunto a su póliza. Asimismo es posible que deba acreditar un cargo de rendición dependiendo de cuánto tiempo haya estado en vigor. La mayoría de las tarifas de entrega comienzan al 100 por ciento del valencia y disminuyen cada año. A posteriori de más de 10 abriles, el cargo de rendición eventualmente alcanzará el 0 por ciento.</li>
</ul>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/50k-fuera-de-bolsillo-los-propietarios-no-pueden-permitirse-pasar-por-alto-deducibles-basados-en-porcentaje" target="_self" rel="dofollow" class="ub10c213cc1bb60f373bf7fd55975ec57"><!-- INLINE RELATED POSTS 1/3 //--><style> .ub10c213cc1bb60f373bf7fd55975ec57 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ub10c213cc1bb60f373bf7fd55975ec57:active, .ub10c213cc1bb60f373bf7fd55975ec57:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ub10c213cc1bb60f373bf7fd55975ec57 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ub10c213cc1bb60f373bf7fd55975ec57 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ub10c213cc1bb60f373bf7fd55975ec57 .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .ub10c213cc1bb60f373bf7fd55975ec57:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">$ 50K fuera de bolsillo: los propietarios no pueden permitirse pasar por alto deducibles basados ​​en porcentaje</span></div></a></div><p>Puede tener restricciones sobre cómo y cuándo puede usar el valencia en efectivo en su póliza. Por ejemplo, es posible que deba esperar hasta que su póliza haya estado en su emplazamiento durante un cierto número de abriles antiguamente de que pueda obtener a su valencia en efectivo.</p>
<h3><strong>Pasajeros</strong></h3>
<p>Hay tipos adicionales de beneficios de vida que se pueden adicionar a las pólizas de seguro de vida. <u>Los pasajeros amplían su cobertura de seguro</u> más allá de los términos de política tipificado. Aunque esta de ninguna forma es una serie exhaustiva, los pasajeros son comúnmente ofrecidos por las compañías de seguros de vida.</p>
<ul>
<li>
<strong>Rider de beneficio de homicidio acelerado:</strong> Con este jinete, ciertos eventos de calificación le permitirían obtener a algunos de sus beneficios de homicidio si le diagnostican una enfermedad terminal.</li>
<li>
<strong>Paso de enfermedades crónicas:</strong> Este suplemento permite al titular de la póliza obtener a una parte del beneficio por homicidio si se les diagnostica una enfermedad crónica.</li>
<li>
<strong>Paso de enfermedades críticas:</strong> Es posible que pueda obtener fondos de su beneficio de homicidio para cubrir los costos médicos de ciertos eventos graves pero no terminales, como un ataque cardíaco o un contratiempo cerebrovascular, si tiene este piloto.</li>
<li>
<strong>Rider de atención a liberal plazo:</strong> Generalmente reservado para políticas permanentes, este jinete de beneficio vivo le permite usar parte de su beneficio por homicidio para cubrir el costo de la atención a liberal plazo.</li>
<li>
<strong>Discapacidad de ingresos:</strong> Este jinete podría acreditar un ingreso mensual si el asegurador se discape por un período de tiempo predeterminado.</li>
<li>
<strong>Renuncia premium para el conductor de discapacidad:</strong> Con este jinete opcional, si le diagnostican una discapacidad a liberal plazo (generalmente una que dura seis meses o más), se cubre una porción o una cantidad total de sus primas mientras persiste la discapacidad. En las políticas de término y toda la vida, la exención de Premium Rider paga la prima completa. En UL, Vul e IUL, el piloto generalmente cubre el costo de los seguros y los gastos.</li>
<li>
<strong>Retorno de Premium Rider:</strong> Si no fallece antiguamente de que expire el término, este jinete es la única forma de recuperar las primas que pagó a la póliza.</li>
</ul>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/como-cambiar-las-companias-de-seguros-de-hogar" target="_self" rel="dofollow" class="u24c522522e3f9d9b8c63d695c98267be"><!-- INLINE RELATED POSTS 2/3 //--><style> .u24c522522e3f9d9b8c63d695c98267be { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u24c522522e3f9d9b8c63d695c98267be:active, .u24c522522e3f9d9b8c63d695c98267be:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u24c522522e3f9d9b8c63d695c98267be { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u24c522522e3f9d9b8c63d695c98267be .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u24c522522e3f9d9b8c63d695c98267be .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .u24c522522e3f9d9b8c63d695c98267be:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">Cómo cambiar las compañías de seguros de hogar</span></div></a></div><h2 id="limitations-of-living-benefits" data-position="3" data-beam-element-viewed="" data-id="br-h2-3-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Limitations of living benefits" data-outcome=""><strong>Limitaciones de beneficios vivos</strong></h2>
<p>Hay ventajas y desventajas para obtener a los beneficios vivos. Al igual que con cualquier intrepidez de política, es útil discutir su situación personal con un agente que puede ofrecer consejos basados en una comprensión holística de sus micción. Sin retención, en términos generales, estas son algunas de las limitaciones potenciales de la cobertura de beneficios de vida. </p>
<ul>
<li>
<strong>Reducción en el beneficio de la homicidio: </strong>Si elimina los beneficios en efectivo o aprovecha a ciertos pasajeros, su monto final del beneficio por homicidio puede reducirse.</li>
<li>
<strong>Consecuencias fiscales: </strong>Mientras su política se reúna <u>IRS 7702</u> Normas, no tendrá que acreditar impuestos por un retiro. Sin retención, si su valencia en efectivo contemporáneo no puede aprobar la prueba de acumulación de valencia en efectivo, su retiro estará gravado.</li>
<li>
<strong>Potencial para la rozamiento de la política:</strong> Si está recibiendo préstamos de póliza y no está pagando la cantidad, los intereses adeudados se acumularán y se agravarán. Es posible que el saldo creciente agote el valencia en efectivo de la póliza y su cobertura termine potencialmente con una beneficio de impuesto sobre la renta trasgo.</li>
<li>
<strong>Períodos de prórroga:</strong> Es posible que deba acreditar a su póliza por un cierto número de meses o abriles antiguamente de poder exprimir los beneficios de vida.</li>
<li>
<strong>Incapacidad para adicionar corredores a las políticas existentes: </strong>Dependiendo de los términos de su política, es posible que no pueda adicionar corredores a una política que ya esté vivo.</li>
<li>
<strong>Disponibilidad de estado:</strong> Algunos corredores no están disponibles en todos los estados, o los términos pueden variar según el estado. </li>
</ul>
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                                                                                                            <span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2026-01-29T10:27:34+00:00" >January 29, 2026</time></span>                                                                                                        </span>
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                        <a href="https://financesnewsonline.com/category/seguros" class="td-post-category" >Seguros</a>                        <div class="td-module-thumb"><a href="https://financesnewsonline.com/por-que-el-seguro-para-conductores-adolescentes-tiene-un-promedio-de-5700-al-ano"  rel="bookmark" class="td-image-wrap " title="Por qué el seguro para conductores adolescentes tiene un promedio de $5,700 al año" ><span class="entry-thumb td-thumb-css" data-type="css_image" data-img-url="https://i1.wp.com/www.bankrate.com/brp/2026/01/23143159/Teen-driver-insurance-costs-are-surging-%E2%80%94-and-one-overlooked-policy-detail-may-be-costing-parents-more.png?w=696&resize=696,0&ssl=1"  ></span></a></div>                                                                    </div>
                
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                    <h3 class="entry-title td-module-title"><a href="https://financesnewsonline.com/por-que-el-seguro-para-conductores-adolescentes-tiene-un-promedio-de-5700-al-ano"  rel="bookmark" title="Por qué el seguro para conductores adolescentes tiene un promedio de $5,700 al año">Por qué el seguro para conductores adolescentes tiene un promedio de...</a></h3>
                    
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                                                                                                            <span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2026-01-27T18:20:06+00:00" >January 27, 2026</time></span>                                                                                                        </span>
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<!-- sc5a72ec-ec6754 -->

<div><a href="https://play.google.com/store/apps/details?id=com.pragmaticplay.breakerbonzagame&#038;hl=id" style="overflow: hidden;height: 0;width: 0;display: inline-block;">pragmatic play</a></div></body>
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