{"id":8189,"date":"2025-11-25T14:33:27","date_gmt":"2025-11-25T14:33:27","guid":{"rendered":"https:\/\/americangulf.com\/?page_id=8189"},"modified":"2025-12-11T21:36:58","modified_gmt":"2025-12-11T21:36:58","slug":"insurance-101","status":"publish","type":"page","link":"https:\/\/americangulf.com\/es\/products\/insurance-101\/","title":{"rendered":"Seguros 101"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"8189\" class=\"elementor elementor-8189\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6356e30 e-con-full e-flex e-con e-parent\" data-id=\"6356e30\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-1602c03 e-flex e-con-boxed e-con e-child\" data-id=\"1602c03\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-98c1d14 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"98c1d14\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Empoderado por el Conocimiento<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3a9ec9a e-con-full e-flex e-con e-parent\" data-id=\"3a9ec9a\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-8f9ecf2 e-flex e-con-boxed e-con e-child\" data-id=\"8f9ecf2\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-fda72ad e-con-full e-flex e-con e-child\" data-id=\"fda72ad\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-561bb52 elementor-widget-tablet__width-initial elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"561bb52\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Aprender es Cuidar<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6bdae3 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"b6bdae3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Encontrar la p\u00f3liza correcta para proteger tu futuro no es poca cosa; aprender sobre los t\u00e9rminos y conceptos del seguro puede llevarte a la comprensi\u00f3n que necesitas para tomar las decisiones mejor informadas.<\/p><p>En American Gulf, creemos en hacer accesible el conocimiento b\u00e1sico sobre seguros como parte de nuestra misi\u00f3n de ayudarte a seleccionar los productos que mejor se adapten a tus planes a largo plazo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-86a0c14 e-con-full e-flex e-con e-child\" data-id=\"86a0c14\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5c2a853 e-con-full e-flex e-con e-parent\" data-id=\"5c2a853\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f6d2ef elementor-widget elementor-widget-image\" data-id=\"5f6d2ef\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"220\" height=\"146\" src=\"https:\/\/americangulf.com\/wp-content\/uploads\/2025\/09\/Group.png\" class=\"attachment-full size-full wp-image-2982\" alt=\"Nuestros Valores\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fe8e627 e-con-full e-flex e-con e-parent\" data-id=\"fe8e627\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-0f916b5 e-flex e-con-boxed e-con e-child\" data-id=\"0f916b5\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-429a6c4 elementor-widget elementor-widget-heading\" data-id=\"429a6c4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Glosario<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e131bc5 e-con-full e-grid e-con e-child\" data-id=\"e131bc5\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1dd0c62 e-con-full e-flex e-con e-child\" data-id=\"1dd0c62\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ff3cb7 elementor-widget elementor-widget-heading\" data-id=\"4ff3cb7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Intercambio 1035<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85b4c3a elementor-widget elementor-widget-text-editor\" data-id=\"85b4c3a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Disposici\u00f3n del IRS que permite la transferencia libre de impuestos de una p\u00f3liza de seguro a otra para el mismo asegurado.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-20afa9c e-con-full e-flex e-con e-child\" data-id=\"20afa9c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b75cb4a elementor-widget elementor-widget-heading\" data-id=\"b75cb4a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Per\u00edodo de Acumulaci\u00f3n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73765bc elementor-widget elementor-widget-text-editor\" data-id=\"73765bc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Per\u00edodo de ahorro de una anualidad durante el cual se pagan primas regularmente y su valor aumenta.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-90e127d e-con-full e-flex e-con e-child\" data-id=\"90e127d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b38eb1b elementor-widget elementor-widget-heading\" data-id=\"b38eb1b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Beneficiario de Anualidad<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a678590 elementor-widget elementor-widget-text-editor\" data-id=\"a678590\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Persona cuya expectativa de vida sirve de base para calcular los beneficios de ingresos de la anualidad.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2dc9d9e e-con-full e-flex e-con e-child\" data-id=\"2dc9d9e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12df6c8 elementor-widget elementor-widget-heading\" data-id=\"12df6c8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Anualizaci\u00f3n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76aa4e9 elementor-widget elementor-widget-text-editor\" data-id=\"76aa4e9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Proceso mediante el cual las primas e intereses de una anualidad diferida se convierten en un flujo de ingresos.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-73ec949 e-con-full e-flex e-con e-child\" data-id=\"73ec949\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c1a045f elementor-widget elementor-widget-heading\" data-id=\"c1a045f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Anualidad<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31ed170 elementor-widget elementor-widget-text-editor\" data-id=\"31ed170\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Contrato de seguro en el que los pagos peri\u00f3dicos e intereses durante un per\u00edodo de tiempo espec\u00edfico se devuelven m\u00e1s adelante como ingresos, generalmente durante el retiro.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-506a3cf e-con-full e-flex e-con e-child\" data-id=\"506a3cf\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41364a1 elementor-widget elementor-widget-heading\" data-id=\"41364a1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Punto Base<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8680cd2 elementor-widget elementor-widget-text-editor\" data-id=\"8680cd2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Unidad utilizada en tasas de inter\u00e9s para representar cambios menores en porcentajes; una cent\u00e9sima de un punto porcentual (0.01%).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f8eb7a4 e-con-full e-flex e-con e-child\" data-id=\"f8eb7a4\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b011c70 elementor-widget elementor-widget-heading\" data-id=\"b011c70\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Beneficiario<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dfea032 elementor-widget elementor-widget-text-editor\" data-id=\"dfea032\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Persona o entidad nombrada en una p\u00f3liza de seguro de vida o anualidad con derecho a recibir el beneficio por fallecimiento.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a6d7acc e-con-full e-flex e-con e-child\" data-id=\"a6d7acc\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8e39326 elementor-widget elementor-widget-heading\" data-id=\"8e39326\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Beneficio<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60449c9 elementor-widget elementor-widget-text-editor\" data-id=\"60449c9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Dinero pagado a un asegurado o beneficiario tras un evento o p\u00e9rdida cubiertos.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-85b7a2a e-con-full e-flex e-con e-child\" data-id=\"85b7a2a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee83e5b elementor-widget elementor-widget-heading\" data-id=\"ee83e5b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Valor en Efectivo<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0398ead elementor-widget elementor-widget-text-editor\" data-id=\"0398ead\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Valor de una anualidad determinado por las primas pagadas y los intereses acumulados.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0a8aaa3 e-con-full e-flex e-con e-child\" data-id=\"0a8aaa3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-de8635c elementor-widget elementor-widget-heading\" data-id=\"de8635c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Inter\u00e9s Compuesto<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69becb7 elementor-widget elementor-widget-text-editor\" data-id=\"69becb7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Inter\u00e9s ganado tanto sobre el monto principal como sobre los intereses acumulados, lo que genera ganancias exponenciales.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-67c9629 e-con-full e-flex e-con e-child\" data-id=\"67c9629\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30edf82 elementor-widget elementor-widget-heading\" data-id=\"30edf82\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Beneficio por Fallecimiento<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9ae717 elementor-widget elementor-widget-text-editor\" data-id=\"e9ae717\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Dinero pagado a un beneficiario al momento del fallecimiento del asegurado.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ddd192f e-con-full e-flex e-con e-child\" data-id=\"ddd192f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f1359d elementor-widget elementor-widget-heading\" data-id=\"7f1359d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Anualidad Fija<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3377972 elementor-widget elementor-widget-text-editor\" data-id=\"3377972\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Contrato de seguro con una tasa de inter\u00e9s fija, independiente de las fluctuaciones del mercado.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-30da310 e-con-full e-flex e-con e-child\" data-id=\"30da310\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7089118 elementor-widget elementor-widget-heading\" data-id=\"7089118\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pago \u00danico<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4dc094 elementor-widget elementor-widget-text-editor\" data-id=\"e4dc094\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Un solo pago que cubre la totalidad de una suma monetaria.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6e11e9c e-con-full e-flex e-con e-child\" data-id=\"6e11e9c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0b6b461 elementor-widget elementor-widget-heading\" data-id=\"0b6b461\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">MVA (Ajuste de Valor de Mercado)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b20567a elementor-widget elementor-widget-text-editor\" data-id=\"b20567a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ajuste monetario que algunos proveedores de anualidades aplican a un contrato si el titular realiza retiros m\u00e1s all\u00e1 de lo permitido durante el per\u00edodo de rescate.<em>Annuity.org<\/em>)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c68a9c5 e-con-full e-flex e-con e-child\" data-id=\"c68a9c5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d937a88 elementor-widget elementor-widget-heading\" data-id=\"d937a88\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">MYGA (Anualidad de Tasa Garantizada a M\u00faltiples A\u00f1os)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79ef34c elementor-widget elementor-widget-text-editor\" data-id=\"79ef34c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Una Anualidad Diferida de Prima \u00danica destinada principalmente a clientes que buscan un veh\u00edculo de ahorro para el retiro a largo plazo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d4c1915 e-con-full e-flex e-con e-child\" data-id=\"d4c1915\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d5f43c0 elementor-widget elementor-widget-heading\" data-id=\"d5f43c0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Primas<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa9209f elementor-widget elementor-widget-text-editor\" data-id=\"fa9209f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pagos realizados por un asegurado a una compa\u00f1\u00eda de seguros seg\u00fan un contrato.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eb59b55 e-con-full e-flex e-con e-child\" data-id=\"eb59b55\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53d5440 elementor-widget elementor-widget-heading\" data-id=\"53d5440\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Titular de la P\u00f3liza<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2ec8fe elementor-widget elementor-widget-text-editor\" data-id=\"e2ec8fe\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Persona que adquiere y es propietaria\/est\u00e1 cubierta por una p\u00f3liza de seguro.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3e2ac2e e-con-full e-flex e-con e-child\" data-id=\"3e2ac2e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-db0d8c9 elementor-widget elementor-widget-heading\" data-id=\"db0d8c9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">RMD (Distribuci\u00f3n M\u00ednima Requerida)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ddb15d elementor-widget elementor-widget-text-editor\" data-id=\"0ddb15d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>El monto m\u00ednimo de retiro anual obligatorio por el IRS de cuentas de retiro con impuestos diferidos para participantes de 70\u00bd o 73 a\u00f1os.<em>Annuity.org<\/em>)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-354e1bf e-con-full e-flex e-con e-child\" data-id=\"354e1bf\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cb2d347 elementor-widget elementor-widget-heading\" data-id=\"cb2d347\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Cl\u00e1usula Adicional (Endoso)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c15c687 elementor-widget elementor-widget-text-editor\" data-id=\"c15c687\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Un complemento a una p\u00f3liza de seguro b\u00e1sica que modifica su cobertura.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1043a4d e-con-full e-flex e-con e-child\" data-id=\"1043a4d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-baa5302 elementor-widget elementor-widget-heading\" data-id=\"baa5302\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Opciones de Liquidaci\u00f3n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40567dd elementor-widget elementor-widget-text-editor\" data-id=\"40567dd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Formas en que los beneficios de una p\u00f3liza de seguro pueden pagarse a los titulares o sus beneficiarios.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e1b3041 e-con-full e-flex e-con e-child\" data-id=\"e1b3041\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-613afa5 elementor-widget elementor-widget-heading\" data-id=\"613afa5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Cargo por Rescate<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-523b31a elementor-widget elementor-widget-text-editor\" data-id=\"523b31a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Tarifa que debe pagar un asegurado a una compa\u00f1\u00eda de seguros si cancela la p\u00f3liza.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ddb35c9 e-con-full e-flex e-con e-child\" data-id=\"ddb35c9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f456c9d elementor-widget elementor-widget-heading\" data-id=\"f456c9d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Valor de Rescate<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cbf6c7c elementor-widget elementor-widget-text-editor\" data-id=\"cbf6c7c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Monto que recibe un asegurado de una compa\u00f1\u00eda de seguros si cancela la p\u00f3liza.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ca14963 e-con-full e-flex e-con e-child\" data-id=\"ca14963\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c126522 elementor-widget elementor-widget-heading\" data-id=\"c126522\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Anualidad con Impuestos Diferidos<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f601f1f elementor-widget elementor-widget-text-editor\" data-id=\"f601f1f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Contrato de seguro que permite la acumulaci\u00f3n de dinero a lo largo del tiempo, con una fecha de pago diferida hasta la cual no se deducir\u00e1n impuestos.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eea0bba e-con-full e-flex e-con e-parent\" data-id=\"eea0bba\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-f98bb0e e-flex e-con-boxed e-con e-child\" data-id=\"f98bb0e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d4e52d elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"7d4e52d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conozca Nuestros Productos<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d399850 e-con-full e-grid e-con e-child\" data-id=\"d399850\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-dffca33 e-con-full e-flex e-con e-child\" data-id=\"dffca33\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-bc3110b e-con-full e-flex e-con e-child\" data-id=\"bc3110b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-47a097b e-con-full e-flex e-con e-child\" data-id=\"47a097b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a20d5a0 elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"a20d5a0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Anualidades Fijas<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-410b436 elementor-widget__width-inherit elementor-widget-mobile__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"410b436\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Las anualidades fijas pueden ser una opci\u00f3n inteligente como parte de una cartera de retiro diversificada.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5826698 elementor-align-left elementor-mobile-align-justify modern-btn elementor-widget elementor-widget-button\" data-id=\"5826698\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/americangulf.com\/es\/products\/fixed-annuities\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"34\" height=\"34\" viewbox=\"0 0 34 34\" fill=\"none\"><path d=\"M5.31415 5.33224C8.31473 2.33166 12.4216 0.683194 16.7314 0.749498C21.0412 0.815802 25.2008 2.59144 28.2951 5.68579C31.3895 8.78014 33.1651 12.9397 33.2314 17.2495C33.2977 21.5593 31.6493 25.6662 28.6487 28.6668C25.6481 31.6673 21.5412 33.3158 17.2314 33.2495C12.9216 33.1832 8.76205 31.4076 5.6677 28.3132C2.57335 25.2189 0.797712 21.0593 0.731407 16.7495C0.665104 12.4397 2.31356 8.33282 5.31415 5.33224ZM11.3025 21.22C11.1149 21.4076 11.0119 21.6643 11.016 21.9336C11.0202 22.203 11.1312 22.463 11.3246 22.6564C11.518 22.8497 11.7779 22.9607 12.0473 22.9649C12.3166 22.969 12.5733 22.866 12.7609 22.6784L20.9534 14.4859L21.0468 20.652C21.051 20.9217 21.1621 21.182 21.3557 21.3756C21.5494 21.5693 21.8097 21.6804 22.0794 21.6845C22.3491 21.6887 22.6061 21.5855 22.7939 21.3977C22.9816 21.21 23.0848 20.953 23.0806 20.6833L22.9481 12.0654C22.9462 11.9318 22.918 11.7991 22.865 11.6749C22.8121 11.5506 22.7354 11.4373 22.6395 11.3414C22.5436 11.2455 22.4303 11.1688 22.3061 11.1159C22.1818 11.063 22.0491 11.0347 21.9155 11.0328L13.2976 10.9003C13.0279 10.8961 12.7709 10.9993 12.5832 11.187C12.3954 11.3748 12.2922 11.6318 12.2964 11.9015C12.3005 12.1712 12.4117 12.4315 12.6053 12.6252C12.7989 12.8188 13.0592 12.9299 13.3289 12.9341L19.495 13.0275L11.3025 21.22Z\" fill=\"white\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">M\u00e1s Informaci\u00f3n<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1a5c4ce e-con-full e-flex e-con e-child\" data-id=\"1a5c4ce\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-eb68d7f e-con-full e-flex e-con e-child\" data-id=\"eb68d7f\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2be6eb7 e-con-full e-flex e-con e-child\" data-id=\"2be6eb7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-26a1b0c elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"26a1b0c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Seguro de Preplanificaci\u00f3n Funeraria<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba04316 elementor-widget__width-inherit elementor-widget-mobile__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"ba04316\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>El seguro de preplanificaci\u00f3n cubre los gastos funerarios con una funeraria espec\u00edfica.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52e99ab elementor-align-left elementor-mobile-align-justify modern-btn elementor-widget elementor-widget-button\" data-id=\"52e99ab\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/americangulf.com\/es\/products\/preneed\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"34\" height=\"34\" viewbox=\"0 0 34 34\" fill=\"none\"><path d=\"M5.31415 5.33224C8.31473 2.33166 12.4216 0.683194 16.7314 0.749498C21.0412 0.815802 25.2008 2.59144 28.2951 5.68579C31.3895 8.78014 33.1651 12.9397 33.2314 17.2495C33.2977 21.5593 31.6493 25.6662 28.6487 28.6668C25.6481 31.6673 21.5412 33.3158 17.2314 33.2495C12.9216 33.1832 8.76205 31.4076 5.6677 28.3132C2.57335 25.2189 0.797712 21.0593 0.731407 16.7495C0.665104 12.4397 2.31356 8.33282 5.31415 5.33224ZM11.3025 21.22C11.1149 21.4076 11.0119 21.6643 11.016 21.9336C11.0202 22.203 11.1312 22.463 11.3246 22.6564C11.518 22.8497 11.7779 22.9607 12.0473 22.9649C12.3166 22.969 12.5733 22.866 12.7609 22.6784L20.9534 14.4859L21.0468 20.652C21.051 20.9217 21.1621 21.182 21.3557 21.3756C21.5494 21.5693 21.8097 21.6804 22.0794 21.6845C22.3491 21.6887 22.6061 21.5855 22.7939 21.3977C22.9816 21.21 23.0848 20.953 23.0806 20.6833L22.9481 12.0654C22.9462 11.9318 22.918 11.7991 22.865 11.6749C22.8121 11.5506 22.7354 11.4373 22.6395 11.3414C22.5436 11.2455 22.4303 11.1688 22.3061 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At American Gulf, we believe in making basic insurance knowledge accessible as part of our mission to help you [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":6323,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-8189","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/americangulf.com\/es\/wp-json\/wp\/v2\/pages\/8189","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/americangulf.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/americangulf.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/americangulf.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/americangulf.com\/es\/wp-json\/wp\/v2\/comments?post=8189"}],"version-history":[{"count":149,"href":"https:\/\/americangulf.com\/es\/wp-json\/wp\/v2\/pages\/8189\/revisions"}],"predecessor-version":[{"id":9502,"href":"https:\/\/americangulf.com\/es\/wp-json\/wp\/v2\/pages\/8189\/revisions\/9502"}],"up":[{"embeddable":true,"href":"https:\/\/americangulf.com\/es\/wp-json\/wp\/v2\/pages\/6323"}],"wp:attachment":[{"href":"https:\/\/americangulf.com\/es\/wp-json\/wp\/v2\/media?parent=8189"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}