El fallecimiento de una persona puede generar costos para la familia por hasta $100.000, según un estudio de aseguradoras difundido hoy.
El trabajo incluyó en los cálculos los costos asociados a los servicios fúnebres, que ascienden a unos $65.000.
Pero también los vinculados con la inhumación, que dependiendo del destino elegido pueden superar los $20.000.
«Muchas veces el seguro de vida está asociado únicamente a un monto que reciben los beneficiarios tras el fallecimiento de una persona. Sin embargo, la cobertura conlleva mucho más: tomar un seguro de vida significa pensar en el otro», indicó el trabajo difundido por Provincia Vida.
Destacó que la cobertura «genera tranquilidad porque protege a los seres queridos, otorga una continuidad del ingreso familiar y, además, impide que tengan que cubrirse los gastos más urgentes tras el deceso del asegurado o la asegurada».
«El seguro de vida debe ser tomado como un ahorro, porque los costos cuando una persona muere pueden superar los $100.000», destacó la aseguradora que integra el Grupo Provincia.
Recordó que el seguro de vida «no entra en sucesión y el trámite, a diferencia de los seguros patrimoniales, es ágil, la liquidación del siniestro es de 15 días de presentada toda la documentación, de manera que se puede utilizar el importe de la cobertura para pagar estos trámites».
Los gastos sucesorios son otros de los factores a tener en cuenta, ya que en la Ciudad de Buenos Aires la tasa de Justicia equivale al 1,5% del valor total de los bienes transmitidos y en la provincia de Buenos Aires del 2,2%, a lo cual hay que sumarle la publicación de edictos y la realización de diversas registraciones.
Destacaron, además, que los seguros de vida individual son inembargables, por lo que en caso de que existan deudas los beneficiarios igualmente van a cobrar el seguro.
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