{"id":1767,"date":"2025-02-18T16:49:26","date_gmt":"2025-02-18T16:49:26","guid":{"rendered":"https:\/\/assegurancesgarriga.com\/?page_id=1767"},"modified":"2025-02-18T17:58:23","modified_gmt":"2025-02-18T17:58:23","slug":"asseguranca-de-vida-i-estalvis","status":"publish","type":"page","link":"https:\/\/assegurancesgarriga.com\/es\/asseguranca-de-vida-i-estalvis\/","title":{"rendered":"Asseguran\u00e7a de vida i estalvis"},"content":{"rendered":"
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PRODUCTES:\nAsseguran\u00e7a de vida i estalvis<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Les assegurances de vida-estalvi s\u00f3n productes financers que combinen la protecci\u00f3 en cas de mort amb la possibilitat d’estalviar diners a llarg termini. Aquest tipus d’assegurances ofereixen una doble funci\u00f3:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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  • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tProtecci\u00f3 per als beneficiaris: <\/strong><\/br>En cas de defunci\u00f3 de l'assegurat, els beneficiaris designats reben una indemnitzaci\u00f3, que pot ser una suma fixa o un capital. Aquesta indemnitzaci\u00f3 pot ajudar a la fam\u00edlia a fer front a despeses com la hipoteca, l'educaci\u00f3 dels fills o altres deutes.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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    • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tEstalvi a llarg termini: <\/strong><\/br>Una part de la prima pagada per l'assegurat es destina a un fons d'estalvi, que pot ser gestionat per la companyia d'assegurances o per l'assegurat mateix, depenent del tipus de producte. Aquest fons pot generar rendiments amb el temps, cosa que permetr\u00e0 a l'assegurat disposar d'un capital addicional en el futur, per exemple, per a la jubilaci\u00f3 o per a altres projectes.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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      Tipus d'assegurances de vida-estalvi<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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      Hi ha diferents tipus d’assegurances de vida-estalvi, cadascuna amb les seves pr\u00f2pies caracter\u00edstiques i nivells de risc:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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      • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tAssegurances de vida amb capital garantit <\/strong><\/br>Aquestes assegurances garanteixen la devoluci\u00f3 del capital aportat al venciment del contracte, aix\u00ed com una indemnitzaci\u00f3 en cas de mort de l'assegurat. El rendiment d'aquestes assegurances sol ser baix, per\u00f2 el risc tamb\u00e9 \u00e9s molt baix.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
      • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tAssegurances de vida unit linked <\/strong><\/br>En aquestes assegurances, la prima aportada s'inverteix en un fons d'inversi\u00f3, que pot ser m\u00e9s o menys arriscat. El rendiment d'aquestes assegurances pot ser m\u00e9s elevat que el de les assegurances amb capital garantit, per\u00f2 el risc tamb\u00e9 \u00e9s m\u00e9s gran.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
      • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tPlans de previsi\u00f3 assegurats (PPA)<\/strong><\/br>Els PPA s\u00f3n productes d'estalvi a llarg termini que tenen com a objectiu complementar la pensi\u00f3 p\u00fablica. Aquests plans ofereixen una cobertura en cas de mort i tamb\u00e9 permeten recuperar el capital acumulat en forma de renda o de capital al moment de la jubilaci\u00f3.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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        Avantatges de les assegurances de vida-estalvi<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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        • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tProtecci\u00f3 per a la fam\u00edlia: <\/strong><\/br>En cas de mort de l'assegurat, els beneficiaris reben una indemnitzaci\u00f3 que els pot ajudar a fer front a les despeses.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
        • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tEstalvi a llarg termini: <\/strong><\/br>Aquestes assegurances permeten acumular un capital addicional per a la jubilaci\u00f3 o per a altres projectes.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
        • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tFlexibilitat: <\/strong><\/br>Hi ha diferents tipus d'assegurances de vida-estalvi, adaptades a les necessitats i al perfil de risc de cada persona.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
        • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tAvantatges fiscals: <\/strong><\/br>En alguns casos, les aportacions a les assegurances de vida-estalvi poden tenir avantatges fiscals.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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          Inconvenients de les assegurances de vida-estalvi<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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          • Risc:<\/strong> En el cas de les assegurances unit linked, el rendiment pot variar en funci\u00f3 de l’evoluci\u00f3 dels mercats financers.<\/li>
          • Liquiditat:<\/strong> El capital acumulat en una asseguran\u00e7a de vida-estalvi no sol estar disponible immediatament.<\/li>
          • Cost:<\/strong> Les assegurances de vida-estalvi poden tenir costos associats, com ara les despeses de gesti\u00f3 o les comissions.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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            PRODUCTES: Asseguran\u00e7a de vida i estalvis Les assegurances de vida-estalvi s\u00f3n productes financers que combinen la protecci\u00f3 en cas de mort amb la possibilitat d’estalviar diners a llarg termini. Aquest tipus d’assegurances ofereixen una doble funci\u00f3: Protecci\u00f3 per als beneficiaris: En cas de defunci\u00f3 de l’assegurat, els beneficiaris designats reben una indemnitzaci\u00f3, que pot ser […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"disabled","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"disabled","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_joinchat":[],"footnotes":""},"class_list":["post-1767","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/assegurancesgarriga.com\/es\/wp-json\/wp\/v2\/pages\/1767","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/assegurancesgarriga.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/assegurancesgarriga.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/assegurancesgarriga.com\/es\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/assegurancesgarriga.com\/es\/wp-json\/wp\/v2\/comments?post=1767"}],"version-history":[{"count":10,"href":"https:\/\/assegurancesgarriga.com\/es\/wp-json\/wp\/v2\/pages\/1767\/revisions"}],"predecessor-version":[{"id":1780,"href":"https:\/\/assegurancesgarriga.com\/es\/wp-json\/wp\/v2\/pages\/1767\/revisions\/1780"}],"wp:attachment":[{"href":"https:\/\/assegurancesgarriga.com\/es\/wp-json\/wp\/v2\/media?parent=1767"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}