{"id":3857,"date":"2020-09-22T12:44:55","date_gmt":"2020-09-22T17:44:55","guid":{"rendered":"https:\/\/lions.financial\/?p=3857"},"modified":"2022-11-29T16:40:15","modified_gmt":"2022-11-29T21:40:15","slug":"process-for-a-business-to-file-a-life-insurance-claim","status":"publish","type":"post","link":"https:\/\/lions.financial\/es\/process-for-a-business-to-file-a-life-insurance-claim\/","title":{"rendered":"Proceso para que una empresa presente una reclamaci\u00f3n de seguro de vida"},"content":{"rendered":"

\u00bfCu\u00e1l es el proceso para que una empresa presente una reclamaci\u00f3n de seguro de vida?<\/strong><\/p>\n

    \n
  1. Contactar con el agente o la compa\u00f1\u00eda de seguros<\/li>\n<\/ol>\n
      \n
    • \n
        \n
      • Puede preguntar directamente a la agencia o ponerse en contacto con la compa\u00f1\u00eda de seguros<\/li>\n
      • Le proporcionar\u00e1n detalles sobre c\u00f3mo presentar una reclamaci\u00f3n de seguro de vida<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
          \n
        1. Obtenga copias del certificado de defunci\u00f3n<\/li>\n<\/ol>\n
            \n
          • \n
              \n
            • Puede obtener copias certificadas del certificado de defunci\u00f3n en la funeraria<\/li>\n
            • Obtenga al menos 10 copias para desactivar los servicios y cerrar las cuentas<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
                \n
              1. Rellenar la documentaci\u00f3n y enviarla<\/li>\n<\/ol>\n
                  \n
                • \n
                    \n
                  • Puede encontrar el formulario requerido en la p\u00e1gina web de la compa\u00f1\u00eda de seguros o poni\u00e9ndose en contacto con la agencia<\/li>\n
                  • Es posible que se le pida que env\u00ede por correo la documentaci\u00f3n y la copia del certificado de defunci\u00f3n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
                      \n
                    1. Especifica c\u00f3mo quieres que te paguen<\/li>\n<\/ol>\n
                        \n
                      • \n
                          \n
                        • Hay varias opciones para recibir el pago:\n
                            \n
                          1. Suma global: recibes el dinero de una sola vez<\/li>\n
                          2. Provisi\u00f3n de renta espec\u00edfica: recibe el principio en un calendario establecido a lo largo de un periodo de tiempo, tambi\u00e9n recibir\u00e1 intereses sobre la cantidad, pero tambi\u00e9n tendr\u00e1 que pagar impuestos sobre los intereses<\/li>\n
                          3. Opci\u00f3n de renta vitalicia: recibe una renta garantizada de por vida<\/li>\n
                          4. Opci\u00f3n de ingreso de intereses: usted s\u00f3lo recibe los intereses sobre el principal, y la p\u00f3liza de seguro de vida permanece activa y pasa a un beneficiario secundario a su muerte<\/li>\n<\/ol>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
                              \n
                            • <\/li>\n<\/ul>\n
                                \n
                              • \n
                                  \n
                                • Aseg\u00farese de discutir su preferencia de pago con la compa\u00f1\u00eda de seguros<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
                                    \n
                                  1. Esperar a que se entregue el dinero\n
                                      \n
                                    • Esto puede llevar desde una o dos semanas hasta 30 d\u00edas, dependiendo de la empresa<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n

                                      Por qu\u00e9 te lo han denegado:<\/strong><\/p>\n

                                        \n
                                      1. La persona dej\u00f3 de pagar la prima<\/li>\n
                                      2. la persona minti\u00f3 en la solicitud<\/li>\n
                                      3. la causa de la muerte quedaba fuera del \u00e1mbito de la cobertura del seguro.<\/li>\n<\/ol>\n

                                        Qu\u00e9 hacer si le deniegan el seguro de vida<\/strong><\/p>\n

                                          \n
                                        1. P\u00f3ngase en contacto con su compa\u00f1\u00eda o agencia de seguros de vida para conocer los motivos concretos de la denegaci\u00f3n y tratar los temas si son incorrectos<\/li>\n
                                        2. P\u00f3ngase en contacto con el departamento de seguros de su estado para agilizar el proceso<\/li>\n
                                        3. P\u00f3ngase en contacto con un abogado si tiene una reclamaci\u00f3n v\u00e1lida y la compa\u00f1\u00eda de seguros sigue neg\u00e1ndose a pagar<\/li>\n<\/ol>","protected":false},"excerpt":{"rendered":"

                                          What is the Process for a Business to File a Life Insurance Claim? Contact the insurance agent or company You can either ask the agency 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