{"id":144,"date":"2024-04-23T15:06:00","date_gmt":"2024-04-23T15:06:00","guid":{"rendered":"http:\/\/kits.themecy.com\/membership\/?p=144"},"modified":"2024-09-23T22:10:11","modified_gmt":"2024-09-23T22:10:11","slug":"ser-notable-como-hacer-que-su-empresa-destaque","status":"publish","type":"post","link":"https:\/\/insurancebuddyusa.com\/es\/ser-notable-como-hacer-que-su-empresa-destaque\/","title":{"rendered":"Longevidad actuarial basada en la salud: El punto de partida para la planificaci\u00f3n de la jubilaci\u00f3n"},"content":{"rendered":"

Por Ron Mastrogiovanni<\/a><\/p>\n\n\n\n

 <\/strong>Para el 5% de los mayores de 60 a\u00f1os sin una enfermedad cr\u00f3nica, los datos actuariales muestran que las probabilidades de vivir hasta los 95 a\u00f1os son s\u00f3lo de 1 entre 5. Para el 30% de jubilados con diabetes, las probabilidades de llegar a esa edad son inferiores al 1%. Para los 30% de jubilados con diabetes, las probabilidades de llegar a esa edad son inferiores a 1%.<\/p>\n\n\n\n

\"longevidad\"
Ron Mastrogiovanni<\/figcaption><\/figure>\n\n\n\n

Dada la probabilidad de alcanzar este hito, debemos preguntarnos si la \"regla emp\u00edrica\" com\u00fanmente utilizada en la industria<\/a> de planificar hasta los 95 a\u00f1os tiene sentido para todos los clientes.<\/p>\n\n\n\n

Low probability does not mean no probability. Longevity risk gets a lot of attention, but the other side of the coin – the high probability of dying earlier than 95 \u2013 should also be discussed with clients.<\/p>\n\n\n\n

Dadas las consecuencias financieras de la longevidad, utilizar datos actuariales basados en la salud como punto de partida para las conversaciones de planificaci\u00f3n con los clientes no s\u00f3lo tiene sentido, sino que es coherente con las normas del inter\u00e9s superior.<\/p>\n\n\n\n

To calculate actuarial longevity for individual clients, data around the two most significant predictive determinants of longevity – sex at birth and health – must be incorporated into projections.<\/p>\n\n\n\n

Para subrayar la importancia de ambos factores, la longevidad prevista para un var\u00f3n sano de 65 a\u00f1os es de 88 a\u00f1os, y para una mujer sana de 90 a\u00f1os. Si el var\u00f3n tiene el colesterol alto, vivir\u00e1 de media hasta los 85 a\u00f1os, y la mujer hasta los 87. Si padece diabetes de tipo 2, vivir\u00e1 de media hasta los 78 a\u00f1os, y la mujer hasta los 82.<\/p>\n\n\n\n

Dado que los clientes con problemas de salud graves ya saben que sus probabilidades de vivir hasta los 95 a\u00f1os o m\u00e1s son bajas, compartir unas expectativas de longevidad realistas no suele sorprenderles. De hecho, nuestra experiencia demuestra que cuando los datos se consideran cre\u00edbles, es m\u00e1s probable que los clientes se comprometan y act\u00faen.<\/p>\n\n\n\n

\"\"\/<\/a><\/figure>\n\n\n\n

La longevidad actuarial basada en la salud debe verse como una base para las conversaciones sobre los ahorros necesarios en la jubilaci\u00f3n, el potencial de gastar m\u00e1s anualmente y c\u00f3mo abordar las necesidades de un c\u00f3nyuge superviviente, as\u00ed como el legado que pueden querer dejar. Tambi\u00e9n proporciona un punto de referencia basado en datos para reflexionar sobre el riesgo de longevidad, a\u00f1adiendo a\u00f1os adicionales a la esperanza de vida utilizada para la planificaci\u00f3n, as\u00ed como debates sobre productos para abordar el riesgo de vivir m\u00e1s de lo esperado.<\/p>\n\n\n\n

Como detallamos en nuestro libro blanco sobre la longevidad basada en la salud<\/a>El impacto financiero de planificar para una vida m\u00e1s corta o m\u00e1s larga es significativo. Un hombre de 65 a\u00f1os que ha alcanzado sus objetivos de ahorro para financiar sus necesidades de ingresos hasta los 95 a\u00f1os, pero al que se le diagnostica diabetes, ajusta sus planes a su longevidad actuarial media de 79 a\u00f1os. Esto le dar\u00eda potencialmente $700.000 m\u00e1s para gastar en la jubilaci\u00f3n o asignar a otros fines.<\/p>\n\n\n\n

La planificaci\u00f3n de la longevidad se presenta a menudo como un juego de suma cero, pero no lo es. Una opini\u00f3n com\u00fan es que si existe alguna posibilidad de que un cliente est\u00e9 vivo a los 95 a\u00f1os, entonces debe planificar para ello. Sin embargo, utilizar la longevidad actuarial o incluso algunos a\u00f1os m\u00e1s no significa que el cliente pase de 100% de los ingresos que necesitar\u00e1 a cero.<\/p>\n\n\n\n

Con una combinaci\u00f3n de Seguridad Social, productos de ingresos garantizados y seguros de longevidad en forma de contratos de anualidades de longevidad cualificados, los asesores tienen las herramientas para equilibrar los objetivos financieros de los clientes y el riesgo de longevidad. Aumentar el gasto durante la jubilaci\u00f3n o planificar dejar m\u00e1s a los herederos bas\u00e1ndose en una vida m\u00e1s corta y luego sacar el billete de loter\u00eda de la longevidad, puede significar menos<\/em> ingresos estar\u00e1n disponibles m\u00e1s adelante en la vida, no no<\/em> ingresos. Como ocurre con todas las cosas relacionadas con la jubilaci\u00f3n, hay que encontrar compensaciones y equilibrios.<\/p>\n\n\n\n

Los asesores tienen la responsabilidad de basarse en hechos cient\u00edficos: los mejores datos actuariales disponibles. Dado que estos datos se actualizan anualmente y que la salud de los clientes cambiar\u00e1 con el tiempo, la actualizaci\u00f3n de las expectativas de longevidad debe formar parte del proceso de revisi\u00f3n anual del plan financiero para garantizar que los objetivos de planificaci\u00f3n sigan estando en consonancia con la evoluci\u00f3n de la salud y otras circunstancias personales.<\/p>\n\n\n\n

En \u00faltima instancia, la respuesta a la pregunta de si los asesores deben utilizar el 95 por defecto a efectos de planificaci\u00f3n<\/em> es, como la mayor\u00eda de las cuestiones de planificaci\u00f3n de la jubilaci\u00f3n, matizada.<\/p>\n\n\n\n

Para los j\u00f3venes sanos en las primeras etapas de su carrera laboral, las proyecciones actuariales de longevidad muestran que probablemente vivir\u00e1n hasta los 90 a\u00f1os. Ahorrar para vivir hasta los 95 o incluso m\u00e1s tiene sentido; cuanto m\u00e1s dinero tengan para la jubilaci\u00f3n, mejor.<\/p>\n\n\n\n

Para los clientes que se acercan a la jubilaci\u00f3n, el estado de salud es cada vez m\u00e1s importante para la longevidad que pueden esperar, lo que deber\u00eda influir en las decisiones de planificaci\u00f3n tomadas durante la fase de desacumulaci\u00f3n. Cuando vivir hasta los 95 a\u00f1os es una probabilidad baja, establecer objetivos m\u00e1s realistas ofrece la posibilidad de mejorar la calidad de vida o de asegurarse de que se cumplen otras prioridades financieras.<\/p>\n\n\n\n

La longevidad actuarial basada en la salud calculada para clientes individuales proporciona un enfoque respaldado por datos para equilibrar el gasto de jubilaci\u00f3n y el riesgo de longevidad, lo que permite elegir productos adecuados para garantizar la disponibilidad de ingresos durante la jubilaci\u00f3n.<\/p>\n\n\n\n

Ron Mastrogiovanni es Consejero Delegado de HealthView Services. Contacte con \u00e9l en ron.mastrogiovanni@innfeedback.com<\/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 Ron Mastrogiovanni Para el 5% de los mayores de 60 a\u00f1os sin una enfermedad cr\u00f3nica, los datos actuariales muestran que las probabilidades de vivir hasta los 95 a\u00f1os son s\u00f3lo de 1 entre 5. Para el 30% de jubilados con diabetes, las probabilidades son inferiores al 1%. Para el 30% de jubilados con diabetes, las probabilidades de llegar a esta edad son inferiores al 1%. Dada la probabilidad de alcanzar este hito, necesitamos...<\/p>","protected":false},"author":1,"featured_media":2266,"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":[6,10],"tags":[],"class_list":["post-144","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","category-saas"],"yoast_head":"\nHealth-based actuarial longevity: The starting point for retirement planning -<\/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\/ser-notable-como-hacer-que-su-empresa-destaque\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Health-based actuarial longevity: The starting point for retirement planning -\" \/>\n<meta property=\"og:description\" content=\"By Ron Mastrogiovanni  For the 5% of those over age 60 without a chronic health condition, actuarial data show the odds of living to 95 are only 1 in 5. 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