{"id":140,"date":"2021-04-23T15:06:36","date_gmt":"2021-04-23T15:06:36","guid":{"rendered":"http:\/\/kits.themecy.com\/membership\/?p=140"},"modified":"2024-09-27T11:02:06","modified_gmt":"2024-09-27T11:02:06","slug":"quiere-hacer-crecer-su-empresa-necesita-una-estrategia-de-crecimiento","status":"publish","type":"post","link":"https:\/\/insurancebuddyusa.com\/es\/quiere-hacer-crecer-su-empresa-necesita-una-estrategia-de-crecimiento\/","title":{"rendered":"Los clientes de la Generaci\u00f3n Z pueden ser los m\u00e1s adecuados para la nueva gama de productos IUL"},"content":{"rendered":"

Por Joshua Stanfield<\/a><\/p>\n\n\n\n

\u00bfRecuerda cuando ten\u00eda 25 a\u00f1os? Para algunos de nosotros es un recuerdo m\u00e1s reciente que para otros, pero todos podemos identificarnos con los j\u00f3venes de 25 a\u00f1os que por fin encuentran su equilibrio financiero. Puede que su deuda de pr\u00e9stamos estudiantiles est\u00e9 disminuyendo, que su salario est\u00e9 creciendo y que se est\u00e9n preguntando qu\u00e9 es lo siguiente. Esa nueva independencia financiera conlleva una gran responsabilidad, y no se tarda mucho en darse cuenta de la importancia tanto de ahorrar como de planificar el futuro.<\/p>\n\n\n

\n
\"IUL\"<\/a>
Joshua Stanfield<\/figcaption><\/figure>\n<\/div>\n\n\n

Aunque los veintea\u00f1eros no son una edad objetivo habitual para las soluciones de seguros de vida, los nuevos productos disponibles hoy en d\u00eda pueden cambiar esta forma de pensar. Es posible que sus clientes j\u00f3venes a\u00fan no tengan hijos o activos sustanciales, pero muchos se van a casar, van a comprar una casa y est\u00e1n planeando tener hijos. Es durante estos periodos de cambio cuando la necesidad de crecimiento financiero y protecci\u00f3n cobra especial importancia.<\/p>\n\n\n\n

Existen m\u00faltiples enfoques para conseguirlo, y uno que merece la pena considerar para esta joven generaci\u00f3n de clientes es una p\u00f3liza de seguro de vida universal indexada. Una p\u00f3liza IUL acumula valor en efectivo en funci\u00f3n de la evoluci\u00f3n del mercado burs\u00e1til, por lo que la compra de una p\u00f3liza IUL representa una oportunidad de crecimiento significativo para los adultos j\u00f3venes que tienen un horizonte de inversi\u00f3n a largo plazo.<\/p>\n\n\n\n

Pensemos en Mar\u00eda, una mujer de 25 a\u00f1os que quiere empezar a acumular patrimonio. Puede invertir $200 al mes en un producto IUL, pero muchas de las ofertas IUL m\u00e1s populares hoy en d\u00eda son tan complicadas que resultan dif\u00edciles de entender para los clientes. Algunos productos IUL no son f\u00e1ciles de presentar a un cliente de la Generaci\u00f3n Z con expectativas de \"entrega inmediata\" y conocimientos m\u00ednimos sobre seguros de vida.<\/p>\n\n\n\n

Entre en una nueva generaci\u00f3n de productos IUL con dise\u00f1os sencillos e ilustraciones directas que hablan por s\u00ed solas.<\/p>\n\n\n\n

La flexibilidad distingue a estos nuevos productos IUL<\/strong><\/h3>\n\n\n\n

La flexibilidad es lo que hace que los nuevos productos sean especialmente atractivos para la Generaci\u00f3n Z y la generaci\u00f3n del milenio. Las caracter\u00edsticas flexibles ofrecen la libertad de cambiar las futuras opciones de asignaci\u00f3n de primas. Estas caracter\u00edsticas tambi\u00e9n proporcionan la capacidad de cambiar peri\u00f3dicamente c\u00f3mo se asignan los fondos dentro de las cuentas indexadas a lo largo del tiempo para seguir el ritmo de las tendencias del mercado y los ciclos econ\u00f3micos. Estas son algunas de las formas en que la IUL puede ayudar a Mary a alcanzar algunos de sus objetivos financieros.<\/p>\n\n\n\n

En tiempos dif\u00edciles<\/strong>: En periodos de dificultades econ\u00f3micas, Mar\u00eda podr\u00eda pagar la prima m\u00ednima para mantener la cobertura.<\/p>\n\n\n\n

En tiempos de crisis<\/strong>: Tras una bonificaci\u00f3n de fin de a\u00f1o especialmente generosa, Mar\u00eda podr\u00eda pagar una extra para impulsar la acumulaci\u00f3n a largo plazo.<\/p>\n\n\n\n

En cualquier momento:<\/strong> Mar\u00eda puede acceder al valor en efectivo de su plan mediante retiros parciales, pr\u00e9stamos tradicionales y pr\u00e9stamos participativos (que le permiten seguir ganando intereses a trav\u00e9s del tipo de inter\u00e9s vinculado a las cuentas \u00edndice).<\/p>\n\n\n\n

Todo el tiempo:<\/strong> No olvide que, aunque el rendimiento de una p\u00f3liza IUL est\u00e1 vinculado a un \u00edndice, los fondos no se invierten directamente en acciones individuales. Los productos ofrecen protecci\u00f3n contra las ca\u00eddas mediante un tipo de inter\u00e9s m\u00ednimo garantizado, denominado \"suelo\", que ayuda a evitar p\u00e9rdidas en las fases bajistas del mercado.<\/p>\n\n\n\n

No hay mejor momento que el presente para que los adultos j\u00f3venes empiecen a acumular patrimonio, y dado que solo tres de cada 10 adultos de la Generaci\u00f3n Z y de la generaci\u00f3n del milenio afirman estar muy bien informados sobre los seguros de vida (fuente: 2024 Insurance Barometer Study, LIMRA y Life Happens), no hay mejor momento para que se dirija a sus clientes j\u00f3venes y les ofrezca productos IUL f\u00e1ciles de entender.<\/p>\n\n\n\n

Adem\u00e1s, entablar relaciones con los clientes en esta fase temprana le permitir\u00e1 crecer con ellos a medida que sus necesidades se ampl\u00eden. As\u00ed como la edad de 25 a\u00f1os puede no estar en su memoria reciente, pronto estar\u00e1 en el espejo retrovisor para los Gen Zers de hoy, y necesitar\u00e1n ayuda con todo el espectro de necesidades de planificaci\u00f3n de seguros para sus familias y negocios en crecimiento.<\/p>\n\n\n\n

Joshua Stanfield, ALMI, ACS, es el director de desarrollo de ventas de Mutual Trust Life Insurance Solutions. P\u00f3ngase en contacto con \u00e9l en <\/em>joshua.stanfield@innfeedback.com<\/em><\/a>.<\/em><\/p>\n\n\n\n

Todos los derechos reservados 2024 por InsuranceNewsNet.com Inc. Todos los derechos reservados. Queda prohibida la reproducci\u00f3n total o parcial de este art\u00edculo sin el consentimiento expreso y por escrito de InsuranceNewsNet.com.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"

Por Joshua Stanfield \u00bfTe acuerdas de cuando ten\u00edas 25 a\u00f1os? Para algunos de nosotros es un recuerdo m\u00e1s reciente que para otros, pero todos podemos identificarnos con los j\u00f3venes de 25 a\u00f1os que por fin encuentran su equilibrio financiero. Su deuda de pr\u00e9stamos estudiantiles puede estar disminuyendo, su salario creciendo y puede que se est\u00e9n preguntando qu\u00e9 es lo siguiente. Con...<\/p>","protected":false},"author":1,"featured_media":2254,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_kadence_starter_templates_imported_post":true,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[8,9],"tags":[],"class_list":["post-140","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-freelance","category-marketing"],"yoast_head":"\nGen Z clients may be the right fit for the new breed of IUL products -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/insurancebuddyusa.com\/es\/quiere-hacer-crecer-su-empresa-necesita-una-estrategia-de-crecimiento\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Gen Z clients may be the right fit for the new breed of IUL products -\" \/>\n<meta property=\"og:description\" content=\"By Joshua Stanfield Do you remember when you were 25 years old? 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