{"id":145,"date":"2024-02-23T15:06:00","date_gmt":"2024-02-23T15:06:00","guid":{"rendered":"http:\/\/kits.themecy.com\/membership\/?p=145"},"modified":"2024-09-23T22:09:46","modified_gmt":"2024-09-23T22:09:46","slug":"el-proceso-de-8-pasos-que-utilizamos-para-iniciar-un-podcast-de-exito","status":"publish","type":"post","link":"https:\/\/insurancebuddyusa.com\/es\/el-proceso-de-8-pasos-que-utilizamos-para-iniciar-un-podcast-de-exito\/","title":{"rendered":"Seguro de vida universal indexado (IUL): C\u00f3mo funciona"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Actualizado el 9 de febrero de 2024 - 4 min read<a href=\"https:\/\/www.nerdwallet.com\/author\/georgia-rose\"><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Escrito por&nbsp;<a href=\"https:\/\/www.nerdwallet.com\/author\/georgia-rose\">Rosa de Georgia<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hechos comprobados<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Muchos, o todos, los productos que aparecen en esta p\u00e1gina proceden de nuestros socios publicitarios, que nos compensan cuando usted realiza determinadas acciones en nuestro sitio web o hace clic para realizar una acci\u00f3n en su sitio web. Sin embargo, esto no influye en nuestras evaluaciones. Nuestras opiniones son nuestras. Aqu\u00ed tiene una lista de&nbsp;<a href=\"https:\/\/www.nerdwallet.com\/blog\/our-partners\/\">nuestros socios<\/a>&nbsp;y&nbsp;<a href=\"https:\/\/www.nerdwallet.com\/blog\/advertiser-disclosure\/\">here&#8217;s how we make money<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cdndice<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/indexed-universal-life-insurance#what-is-indexed-universal-life-insurance-(iul)\"><strong>\u00bfQu\u00e9 es el seguro de vida universal indexado (IUL)?<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/indexed-universal-life-insurance#how-indexed-universal-life-insurance-works\">C\u00f3mo funciona el seguro de vida universal indexado<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/indexed-universal-life-insurance#indexed-universal-life-vs.-whole-life-insurance\">Seguro de vida universal indexado frente a seguro de vida entera<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/indexed-universal-life-insurance#pros-of-indexed-universal-life\">Ventajas del seguro de vida universal indexado<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/indexed-universal-life-insurance#cons-of-indexed-universal-life\">Contras del seguro de vida universal indexado<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ver m\u00e1s&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00c1S COMO ESTO<a href=\"https:\/\/www.nerdwallet.com\/h\/category\/life-insurance-providers\">Proveedores de seguros de vida<\/a><a href=\"https:\/\/www.nerdwallet.com\/h\/category\/life-insurance-policy-types\">Tipos de p\u00f3lizas de seguro de vida<\/a><a href=\"https:\/\/www.nerdwallet.com\/h\/category\/managing-life-insurance\">Gesti\u00f3n del seguro de vida<\/a><a href=\"https:\/\/www.nerdwallet.com\/h\/category\/buying-life-insurance\">Comprar un seguro de vida<\/a><a href=\"https:\/\/www.nerdwallet.com\/h\/category\/insurance\">Seguros<\/a><a href=\"https:\/\/www.nerdwallet.com\/h\/category\/life-insurance\">Seguro de vida<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si busca una cobertura que le ofrezca la flexibilidad de <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/universal-life-insurance\">seguro de vida universal<\/a> y una cuenta de valor en efectivo con mayor potencial de crecimiento, puede que le interese un seguro de vida universal indexado. El seguro de vida universal indexado, o IUL, le da la oportunidad de vincular el valor en efectivo al rendimiento de un \u00edndice de acciones o bonos sin invertir directamente en el mercado.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Las p\u00f3lizas IUL son muy complejas y presentan m\u00e1s altibajos que muchas otras p\u00f3lizas. <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/types-of-life-insurance\">tipos de seguros de vida<\/a>. Para un inversor experto que busque una p\u00f3liza con flexibilidad, la IUL podr\u00eda ser una buena opci\u00f3n. Pero si simplemente busca una cobertura permanente con garant\u00edas, una p\u00f3liza de vida entera es una mejor opci\u00f3n.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\" M\u00c1S:<\/strong> <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/best-life-insurance-companies\">Mejores compa\u00f1\u00edas de seguros de vida<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><img decoding=\"async\" loading=\"lazy\" height=\"156px\" width=\"156px\" src=\"https:\/\/www.nerdwallet.com\/cdn\/insurance\/LifeInsuranceCardIllustration.svg\" alt=\"ilustraci\u00f3n del seguro de vida\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Obtenga varios presupuestos de seguros de vida en cuesti\u00f3n de minutos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00bfPlanea su futuro? Obtenga presupuestos reales y p\u00f3ngase en contacto con agentes experimentados que le asesorar\u00e1n de forma personalizada.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Encuentre la p\u00f3liza adecuada a sus necesidades y asegure su tranquilidad.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.nerdwallet.com\/insurance\/life\/enhanced-match\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.nerdwallet.com\/insurance\/life\/enhanced-match\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Comienza Ahora<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfQu\u00e9 es el seguro de vida universal indexado (IUL)?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El seguro de vida universal indexado es un tipo de cobertura permanente, lo que significa que puede durar toda la vida y acumularse. <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/cash-value-life-insurance\">valor en met\u00e1lico<\/a>. A diferencia de otros tipos de vida universal, una p\u00f3liza IUL coloca el valor en efectivo en subcuentas que reflejan un \u00edndice burs\u00e1til, como el S&amp;P 500. Como alternativa a las cuentas indexadas, las p\u00f3lizas IUL tambi\u00e9n ofrecen opciones de cuentas fijas que devengan intereses a un tipo fijo. Como alternativa a las cuentas indexadas, las p\u00f3lizas IUL tambi\u00e9n ofrecen opciones de cuentas fijas que devengan intereses a un tipo establecido.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Al igual que otras p\u00f3lizas de vida universal, IUL ofrece a los asegurados la flexibilidad de ajustar sus primas y <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/life-insurance-death-benefit\">seguro de vida indemnizaci\u00f3n por fallecimiento<\/a> seg\u00fan sea necesario.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consejo para empollones<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El seguro de vida universal indexado es complejo y tiene componentes cambiantes. Cualquiera que se plantee contratar una p\u00f3liza IUL debe encontrar un agente de seguros de vida con la designaci\u00f3n de Suscriptor de Vida Colegiado (CLU) para que le ayude a navegar por los procesos de compra y gesti\u00f3n. Los agentes con esta designaci\u00f3n tienen un profundo conocimiento del sector y de las p\u00f3lizas. <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/life-insurance-underwriting\">suscripci\u00f3n<\/a> procedimientos.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00f3mo funciona el seguro de vida universal indexado<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Indexed universal life insurance works similarly to universal life. You pay a premium in exchange for lifelong coverage and have the opportunity to build cash value over time. Part of your premium payment goes toward the cost of insurance \u2014 i.e.,&nbsp;paying out the death benefit \u2014 and other fees. The rest is added to your cash value.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Primas ajustables y prestaci\u00f3n por defunci\u00f3n<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Al igual que en el seguro de vida universal, las primas del IUL son ajustables. Si decide omitir el pago de una prima o pagar de menos, el coste del seguro y los gastos de la p\u00f3liza se deducir\u00e1n de su valor en efectivo. Tambi\u00e9n puede ajustar el importe de la prestaci\u00f3n por fallecimiento si cambian sus necesidades. No obstante, es posible que le pidan que rellene un <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/life-insurance-medical-exams\">seguro de vida examen m\u00e9dico<\/a> si solicita aumentar su cobertura.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\" M\u00c1S:<\/strong> <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/how-much-life-insurance-do-i-need\">\u00bfCu\u00e1nto seguro de vida necesito?<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Valor en met\u00e1lico<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El valor en efectivo de las p\u00f3lizas IUL puede devengar intereses de dos maneras:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Un tipo de inter\u00e9s fijo.<\/li>\n\n\n\n<li>Evoluci\u00f3n de los \u00edndices burs\u00e1tiles y de renta fija.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Puede optar por colocar el valor en efectivo en una cuenta fija, indexada o una combinaci\u00f3n de ambas.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Cuentas fijas<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Las cuentas fijas crecen a un tipo fijo establecido por la aseguradora.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Cuentas indexadas<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Estas cuentas son algo m\u00e1s complejas. El valor en efectivo se deposita en una o varias subcuentas que reflejan la evoluci\u00f3n de un \u00edndice burs\u00e1til o de obligaciones, como el S&amp;P 500. Puede elegir en qu\u00e9 cuentas invertir en funci\u00f3n de la oferta de la aseguradora. Puede elegir en qu\u00e9 cuentas invertir en funci\u00f3n de la oferta de la aseguradora. A continuaci\u00f3n, el asegurador paga intereses a los asegurados en funci\u00f3n de la evoluci\u00f3n del \u00edndice. Si el \u00edndice sube, la cuenta gana intereses. Si el \u00edndice baja, la cuenta gana menos o nada.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La cantidad que puede ganar est\u00e1 sujeta a \"suelos\" y \"topes\" para ayudar a minimizar las grandes oscilaciones en los pagos de intereses. El m\u00ednimo es el tipo de inter\u00e9s m\u00e1s bajo que puede alcanzar su cuenta y suele estar garantizado durante la vigencia de la p\u00f3liza, aunque a menudo se fija en 0%. Esto significa que la cuenta no sufrir\u00e1 p\u00e9rdidas si el mercado se desploma.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El l\u00edmite es el tipo de inter\u00e9s m\u00e1ximo que puede devengar la cuenta, por lo que si el mercado sube m\u00e1s que el l\u00edmite, s\u00f3lo se le abonar\u00e1 el importe del l\u00edmite. Por ejemplo, si el l\u00edmite es de 10% y el \u00edndice sube 12%, s\u00f3lo obtendr\u00e1 un inter\u00e9s de 10%. A diferencia del l\u00edmite m\u00ednimo, la aseguradora puede modificar el l\u00edmite m\u00e1ximo durante la vigencia de la p\u00f3liza.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Tasa de participaci\u00f3n<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Caps are not the only way an IUL policy can restrict interest. There&#8217;s also the participation rate. This rate dictates whether the cash value that you tied to a market index can fully \u201cparticipate\u201d in the gains of that index. A participation rate below 100% will further limit the interest you can earn. For example, if the index gain is 12% and the cap is 10% (as outlined in the above example), but your participation rate is 80%, you\u2019ll only earn 8%. The insurer can adjust the participation rate during the life of the policy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Did you know&#8230;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Existen varios m\u00e9todos utilizados por las aseguradoras para calcular las ganancias en las p\u00f3lizas de vida universal indexadas, como el m\u00e9todo de la media diaria, el m\u00e9todo del punto a punto mensual y el m\u00e9todo del punto a punto anual. Los m\u00e9todos var\u00edan seg\u00fan las p\u00f3lizas y las aseguradoras. Aseg\u00farese de revisar detenidamente la informaci\u00f3n proporcionada y, a continuaci\u00f3n, vuelva a comprobar con su agente que entiende el m\u00e9todo utilizado.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Seguro de vida universal indexado frente a seguro de vida entera<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Caracter\u00edstica<\/strong><\/th><th><strong>Toda la vida<\/strong><\/th><th><strong>Vida universal indexado<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Duraci\u00f3n de la p\u00f3liza<\/strong><\/td><td>Permanente.<\/td><td>Permanente.<\/td><\/tr><tr><td><strong>C\u00e1lculo de las ganancias del valor en efectivo<\/strong><\/td><td>Tipo fijo.<\/td><td>\u00cdndices burs\u00e1tiles y de renta fija, as\u00ed como opciones de tipo de inter\u00e9s fijo.<\/td><\/tr><tr><td><strong>Primas y prestaci\u00f3n por defunci\u00f3n flexibles<\/strong><\/td><td>No.<\/td><td>S\u00ed.<\/td><\/tr><tr><td><strong>El valor de la cuenta de efectivo puede disminuir<\/strong><\/td><td>No.<\/td><td>S\u00ed, si el crecimiento es bajo, las comisiones son altas y paga primas m\u00ednimas o ninguna.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\" M\u00c1S: <\/strong><a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/permanent-life-insurance\">Entender el seguro de vida permanente<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ventajas del seguro de vida universal indexado<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Control.<\/strong> Puede aumentar o disminuir el pago de las primas en funci\u00f3n de sus necesidades de cobertura, el crecimiento de su cuenta de tesorer\u00eda y su situaci\u00f3n financiera. Tambi\u00e9n puede aumentar o disminuir el importe de su cobertura. Sin embargo, es posible que tenga que pasar un reconocimiento m\u00e9dico para aumentar la prestaci\u00f3n por defunci\u00f3n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Rentabilidad burs\u00e1til<\/strong>. Con las cuentas indexadas, el valor en efectivo crece cuando lo hace el mercado, y ese crecimiento suele acumularse con impuestos diferidos.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\" M\u00c1S:<\/strong> <a href=\"https:\/\/www.nerdwallet.com\/hub\/category\/investing\">Compare formas inteligentes de invertir en su futuro<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Contras del seguro de vida universal indexado<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Riesgo.<\/strong> Es posible que los \u00edndices no suban con la rapidez prevista. Si esto ocurre, el rendimiento de su inversi\u00f3n podr\u00eda no cumplir sus expectativas. Eso podr\u00eda llevarle a tener que pagar dinero extra para evitar que su p\u00f3liza caduque. Si lo \u00fanico que quiere es un pago garantizado y algo de valor en efectivo, un <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/find-best-whole-life-insurance\">seguro de vida entera<\/a> puede ser una opci\u00f3n mejor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Esfuerzo. <\/strong>Tendr\u00e1 que vigilar de cerca su p\u00f3liza. Durante los periodos de baja rentabilidad, es posible que tenga que ingresar m\u00e1s en su cuenta para evitar que la p\u00f3liza caduque.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Rendimientos limitados. <\/strong>Los l\u00edmites m\u00e1ximos y los porcentajes de participaci\u00f3n le impiden participar plenamente en el \u00e9xito del mercado. Adem\u00e1s, pueden bajar con el tiempo, limitando a\u00fan m\u00e1s su rentabilidad.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tasas.<\/strong> Las comisiones de la cobertura IUL pueden aumentar con el tiempo y mermar los pagos que realiza o el valor de su cuenta de efectivo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfQu\u00e9 son las ilustraciones de p\u00f3lizas IUL?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cuando se siente a discutir las opciones de p\u00f3liza IUL con un agente, le mostrar\u00e1n ilustraciones. Se trata de proyecciones del crecimiento del valor en efectivo de la p\u00f3liza, basadas en los tipos de inter\u00e9s, comisiones, pagos, l\u00edmites, porcentajes de participaci\u00f3n y pr\u00e9stamos previstos. Es f\u00e1cil verlas como previsiones exactas del futuro, pero no lo son: son estimaciones. Al fin y al cabo, nadie sabe con certeza c\u00f3mo van a comportarse los mercados de acciones y bonos ni qu\u00e9 ajustes har\u00e1 la compa\u00f1\u00eda de seguros.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consejo para empollones<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Al considerar una p\u00f3liza de vida universal indexada, aseg\u00farese de preguntar c\u00f3mo los tipos de inter\u00e9s, las comisiones, los l\u00edmites, las tasas de participaci\u00f3n o las primas podr\u00edan afectar al rendimiento de su p\u00f3liza.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Empresas que ofrecen seguros IUL<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Todas las compa\u00f1\u00edas a continuaci\u00f3n ofrecen vida universal indexada y obtuvieron al menos 4 estrellas de 5 por su desempe\u00f1o general. Las calificaciones de NerdWallet son determinadas por nuestro equipo editorial y se basan en la empresa en su conjunto, no en productos individuales. El <a href=\"https:\/\/www.nerdwallet.com\/l\/ratings-methodology-for-life-insurance\">metodolog\u00eda de puntuaci\u00f3n<\/a> tiene en cuenta la experiencia de los consumidores, los datos sobre reclamaciones de la Asociaci\u00f3n Nacional de Comisarios de Seguros y las calificaciones de solidez financiera.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Empresa<\/strong><\/th><th><strong>Valoraci\u00f3n NerdWallet<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong><a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/pacific-life-insurance-review\"><strong>Vida en el Pac\u00edfico<\/strong><\/a><\/strong><\/td><td>5.0<a href=\"https:\/\/www.nerdwallet.com\/p\/reviews\/insurance\/pacific-life-insurance?navigation_source_impression_id=4aff949d-a4ce-448a-9d79-84247edd8bee&amp;trk_channel=web&amp;trk_element=hyperlink&amp;trk_location=marketplace-star-rating&amp;trk_nldt=undefined&amp;trk_pagetype&amp;trk_sectionCategory&amp;trk_topic=Life%20Insurance&amp;trk_vertical=Insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Valoraci\u00f3n NerdWallet<\/a>&nbsp;<\/td><\/tr><tr><td><strong><a href=\"https:\/\/www.nerdwallet.com\/blog\/insurance\/penn-mutual-life-insurance-review\/\"><strong>Penn Mutual<\/strong><\/a><\/strong><\/td><td>4.5<a href=\"https:\/\/www.nerdwallet.com\/p\/reviews\/insurance\/penn-mutual-life-insurance?navigation_source_impression_id=4aff949d-a4ce-448a-9d79-84247edd8bee&amp;trk_channel=web&amp;trk_element=hyperlink&amp;trk_location=marketplace-star-rating&amp;trk_nldt=undefined&amp;trk_pagetype&amp;trk_sectionCategory&amp;trk_topic=Life%20Insurance&amp;trk_vertical=Insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Valoraci\u00f3n NerdWallet<\/a>&nbsp;<\/td><\/tr><tr><td><strong><a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/nationwide-life-insurance-review\"><strong>En todo el pa\u00eds<\/strong><\/a><\/strong><\/td><td>4.5<a href=\"https:\/\/www.nerdwallet.com\/p\/reviews\/insurance\/life\/nationwide-life-insurance?navigation_source_impression_id=4aff949d-a4ce-448a-9d79-84247edd8bee&amp;trk_channel=web&amp;trk_element=hyperlink&amp;trk_location=marketplace-star-rating&amp;trk_nldt=undefined&amp;trk_pagetype&amp;trk_sectionCategory&amp;trk_topic=Life%20Insurance&amp;trk_vertical=Insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Valoraci\u00f3n NerdWallet<\/a>&nbsp;<\/td><\/tr><tr><td><strong><a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/john-hancock-life-insurance-review\"><strong>John Hancock<\/strong><\/a><\/strong><\/td><td>4.0<a href=\"https:\/\/www.nerdwallet.com\/p\/reviews\/insurance\/john-hancock-life-insurance?navigation_source_impression_id=4aff949d-a4ce-448a-9d79-84247edd8bee&amp;trk_channel=web&amp;trk_element=hyperlink&amp;trk_location=marketplace-star-rating&amp;trk_nldt=undefined&amp;trk_pagetype&amp;trk_sectionCategory&amp;trk_topic=Life%20Insurance&amp;trk_vertical=Insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Valoraci\u00f3n NerdWallet<\/a>&nbsp;<\/td><\/tr><tr><td><strong><a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/lincoln-financial-life-insurance-review\"><strong>Lincoln Financial<\/strong><\/a><\/strong><\/td><td>4.0<a href=\"https:\/\/www.nerdwallet.com\/p\/reviews\/insurance\/lincoln-financial-life-insurance?navigation_source_impression_id=4aff949d-a4ce-448a-9d79-84247edd8bee&amp;trk_channel=web&amp;trk_element=hyperlink&amp;trk_location=marketplace-star-rating&amp;trk_nldt=undefined&amp;trk_pagetype&amp;trk_sectionCategory&amp;trk_topic=Life%20Insurance&amp;trk_vertical=Insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Valoraci\u00f3n NerdWallet<\/a>&nbsp;<\/td><\/tr><tr><td><strong><a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/riversource-ameriprise-life-insurance-review\"><strong>RiverSource<\/strong><\/a><\/strong><\/td><td>4.0<a href=\"https:\/\/www.nerdwallet.com\/p\/reviews\/insurance\/riversource-life-insurance?navigation_source_impression_id=4aff949d-a4ce-448a-9d79-84247edd8bee&amp;trk_channel=web&amp;trk_element=hyperlink&amp;trk_location=marketplace-star-rating&amp;trk_nldt=undefined&amp;trk_pagetype&amp;trk_sectionCategory&amp;trk_topic=Life%20Insurance&amp;trk_vertical=Insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Valoraci\u00f3n NerdWallet<\/a>&nbsp;<\/td><\/tr><tr><td><strong><a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/midland-national-life-insurance-review\"><strong>Midland National<\/strong><\/a><\/strong><\/td><td>4.0<a href=\"https:\/\/www.nerdwallet.com\/p\/reviews\/insurance\/midland-national-life-insurance?navigation_source_impression_id=4aff949d-a4ce-448a-9d79-84247edd8bee&amp;trk_channel=web&amp;trk_element=hyperlink&amp;trk_location=marketplace-star-rating&amp;trk_nldt=undefined&amp;trk_pagetype&amp;trk_sectionCategory&amp;trk_topic=Life%20Insurance&amp;trk_vertical=Insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Valoraci\u00f3n NerdWallet<\/a>&nbsp;<\/td><\/tr><tr><td><strong><a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/symetra-life-insurance-review\"><strong>Symetra<\/strong><\/a><\/strong><\/td><td>4.0<a href=\"https:\/\/www.nerdwallet.com\/p\/reviews\/insurance\/symetra-life-insurance?navigation_source_impression_id=4aff949d-a4ce-448a-9d79-84247edd8bee&amp;trk_channel=web&amp;trk_element=hyperlink&amp;trk_location=marketplace-star-rating&amp;trk_nldt=undefined&amp;trk_pagetype&amp;trk_sectionCategory&amp;trk_topic=Life%20Insurance&amp;trk_vertical=Insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Valoraci\u00f3n NerdWallet<\/a>&nbsp;<\/td><\/tr><tr><td><strong><a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/prudential-life-insurance-review\"><strong>Prudential<\/strong><\/a><\/strong><\/td><td>4.0<a href=\"https:\/\/www.nerdwallet.com\/p\/reviews\/insurance\/prudential-life-insurance?navigation_source_impression_id=4aff949d-a4ce-448a-9d79-84247edd8bee&amp;trk_channel=web&amp;trk_element=hyperlink&amp;trk_location=marketplace-star-rating&amp;trk_nldt=undefined&amp;trk_pagetype&amp;trk_sectionCategory&amp;trk_topic=Life%20Insurance&amp;trk_vertical=Insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Valoraci\u00f3n NerdWallet<\/a>&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Por qu\u00e9 puedes confiar en NerdWallet:<\/strong> Nuestros redactores y editores siguen unos estrictos <a href=\"https:\/\/www.nerdwallet.com\/l\/editorial-guidelines\" target=\"_blank\" rel=\"noreferrer noopener\">directrices editoriales<\/a> para garantizar que el contenido de nuestro sitio sea preciso y justo, de modo que pueda tomar decisiones financieras con confianza y elegir los productos que m\u00e1s le convengan. Aqu\u00ed tiene una lista de <a href=\"https:\/\/www.nerdwallet.com\/p\/our-partners\" target=\"_blank\" rel=\"noreferrer noopener\">nuestros socios<\/a>y <a href=\"https:\/\/www.nerdwallet.com\/p\/advertiser-disclosure\" target=\"_blank\" rel=\"noreferrer noopener\">as\u00ed es como ganamos dinero<\/a>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Metodolog\u00eda de calificaci\u00f3n de los seguros de vida<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">NerdWallet <a href=\"https:\/\/www.nerdwallet.com\/l\/ratings-methodology-for-life-insurance\">calificaciones de los seguros de vida<\/a> se basan en la experiencia del consumidor, las puntuaciones del \u00edndice de reclamaciones de la Asociaci\u00f3n Nacional de Comisarios de Seguros para seguros de vida individuales y las medias ponderadas de las calificaciones de solidez financiera, que indican la capacidad de una empresa para pagar futuras reclamaciones. Dentro de la categor\u00eda de experiencia del consumidor, tenemos en cuenta la facilidad de comunicaci\u00f3n y la transparencia del sitio web, que examina la profundidad de los detalles de la p\u00f3liza disponibles en l\u00ednea. Para calcular la calificaci\u00f3n de cada aseguradora, ajustamos las puntuaciones a una escala curva de 5 puntos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Estas calificaciones son una gu\u00eda, pero le recomendamos que compare varias cotizaciones de seguros para encontrar la mejor tarifa para usted. NerdWallet no recibe compensaci\u00f3n por ninguna rese\u00f1a. Lea nuestra <a href=\"https:\/\/www.nerdwallet.com\/l\/editorial-guidelines\">directrices editoriales<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Metodolog\u00eda de las reclamaciones de las aseguradoras<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">NerdWallet examin\u00f3 las quejas recibidas por los reguladores estatales de seguros e informadas a la Asociaci\u00f3n Nacional de Comisionados de Seguros en 2019-2021. Para evaluar c\u00f3mo las aseguradoras se comparan entre s\u00ed, la NAIC calcula un \u00edndice de quejas cada a\u00f1o para cada subsidiaria, midiendo su participaci\u00f3n en el total de quejas en relaci\u00f3n con su tama\u00f1o, o participaci\u00f3n en las primas totales de la industria. Para evaluar el historial de reclamaciones de Freeway, NerdWallet calcul\u00f3 un \u00edndice similar para cada aseguradora, ponderado por las cuotas de mercado de cada filial, durante el periodo de tres a\u00f1os. NerdWallet realiza sus an\u00e1lisis de datos y llega a conclusiones de forma independiente y sin el aval de la NAIC. Los \u00edndices se determinan por separado para los seguros de autom\u00f3vil, hogar (incluidos inquilinos y condominios) y vida.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Preguntas m\u00e1s frecuentes<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bfQu\u00e9 es el seguro de vida entera indexado?<\/strong><strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bfCu\u00e1les son las diferencias entre el seguro de vida entera y el seguro de vida universal indexado?<\/strong><strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/find-best-whole-life-insurance\"><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bfC\u00f3mo puedo contratar un seguro de vida universal indexado?<\/strong><strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/how-to-choose-a-life-insurance-broker-or-agent\"><\/a><a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/best-life-insurance-companies\"><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sobre el autor<a href=\"https:\/\/www.nerdwallet.com\/author\/georgia-rose\"><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.nerdwallet.com\/author\/georgia-rose\">Rosa de Georgia<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Siga<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Georgia Rose es redactora jefe del equipo internacional de NerdWallet. Su trabajo ha aparecido en The New York Times, The Washington Post, The Independent y ABC News.&nbsp;<a href=\"https:\/\/www.nerdwallet.com\/author\/georgia-rose\">Ver biograf\u00eda completa.<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"mailto:grose@nerdwallet.com\" rel=\"noreferrer noopener\" target=\"_blank\"><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"http:\/\/www.linkedin.com\/in\/georgiawriter\" rel=\"noreferrer noopener\" target=\"_blank\"><\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Updated Feb 9, 2024 - 4 min read Escrito por Georgia Rose Fact Checked Muchos, o todos, los productos que aparecen en esta p\u00e1gina proceden de nuestros socios publicitarios, que nos compensan cuando usted realiza determinadas acciones en nuestro sitio web o hace clic para realizar una acci\u00f3n en su sitio web. Sin embargo, esto no influye en nuestras evaluaciones. Nuestras opiniones...<\/p>","protected":false},"author":1,"featured_media":2269,"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],"tags":[],"class_list":["post-145","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Indexed Universal Life Insurance (IUL): How It Works -<\/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\/el-proceso-de-8-pasos-que-utilizamos-para-iniciar-un-podcast-de-exito\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Indexed Universal Life Insurance (IUL): How It Works -\" \/>\n<meta property=\"og:description\" content=\"Updated\u00a0Feb 9, 2024\u00a0\u00b7 4 min read Written by&nbsp;Georgia Rose Fact Checked Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. 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