{"id":15261,"date":"2023-03-22T10:24:31","date_gmt":"2023-03-22T09:24:31","guid":{"rendered":"https:\/\/www.cudosconsultors.com\/?p=15261"},"modified":"2023-03-22T10:24:31","modified_gmt":"2023-03-22T09:24:31","slug":"seguro_vida","status":"publish","type":"post","link":"https:\/\/www.cudosconsultors.com\/es\/seguro_vida\/","title":{"rendered":"\u00bfSe puede saber si un familiar fallecido ten\u00eda contratado un seguro de vida?"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#e2e2e2;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch\" style=\"width:calc( 100% + ) !important;max-width:calc( 100% + ) !important;margin-left: calc(- \/ 2 );margin-right: calc(- \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-center fusion-content-layout-column\" style=\"background-position:center top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;background-color:#002169;border-width: 0px 0 0px 50px;border-color:#002169;border-style:solid;padding: 0px 0px 0px 0px;\"><div ><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-zoomin\" style=\"max-width:400px;\"><img decoding=\"async\" width=\"853\" height=\"853\" title=\"cementiri\" src=\"https:\/\/www.cudosconsultors.com\/wp-content\/uploads\/2023\/03\/cementiri-1.jpg\" alt class=\"img-responsive wp-image-15266\" srcset=\"https:\/\/www.cudosconsultors.com\/wp-content\/uploads\/2023\/03\/cementiri-1-200x200.jpg 200w, 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class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_3 1_3 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 30px 0px 0px 0px;\"><style type='text\/css'>.reading-box-container-1 .element-bottomshadow:before,.reading-box-container-1 .element-bottomshadow:after{opacity:0.7;}<\/style><div class=\"fusion-reading-box-container reading-box-container-1 fusion-animated\" data-animationType=\"fadeInLeft\" data-animationDuration=\"0.3\" data-animationOffset=\"top-into-view\" style=\"margin-top:30px;margin-bottom:30px;\"><div class=\"reading-box\" style=\"background-color:#ffffff;border-width:5px;border-color:#ffffff;border-left-width:5px;border-left-color:var(--primary_color);border-style:solid;\"><h2>\u00bfSe puede saber si un familiar fallecido ten\u00eda contratado un seguro de vida?<\/h2><div class=\"reading-box-description fusion-reading-box-additional\">22\/03\/2023<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-1{width:33.333333333333% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-column-1 > .fusion-column-wrapper {padding-top : 30px !important;padding-right : 0px !important;margin-right : 5.76%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 5.76%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-1{width:33.333333333333% !important;order : 0;}.fusion-builder-column-1 > .fusion-column-wrapper {margin-right : 5.76%;margin-left : 5.76%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-1{width:100% !important;order : 0;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-1 > .fusion-column-wrapper {padding-top : 0px !important;margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_2_3 2_3 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 75px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-1\"><p>La muerte de un familiar es un momento dif\u00edcil que suele resultar complicado de enfrentarse a \u00e9l, no s\u00f3lo por las consecuencias afectivas, sino porque requiere gestiones que deben llevarse a cabo en las horas y d\u00edas posteriores.<\/p>\n<p>Por ello, saber si el difunto ten\u00eda contratada una p\u00f3liza ser\u00e1 fundamental. \u00bfC\u00f3mo obtener esta informaci\u00f3n?<\/p>\n<p><strong>\u00bfD\u00f3nde consultar?<\/strong><br \/>\nSaber si una persona fallecida ten\u00eda seguro y con qu\u00e9 compa\u00f1\u00eda es un tr\u00e1mite accesible para cualquier ciudadano.<\/p>\n<p>A trav\u00e9s del Registro de Contratos de Seguros y Cobertura de Defunci\u00f3n, los familiares pueden consultar si, en el momento de su muerte, exist\u00eda un contrato de seguro en vigor y con qu\u00e9 entidad.<\/p>\n<p>El objetivo de facilitar esta informaci\u00f3n (disponible hasta cinco a\u00f1os desde la fecha del fallecimiento) es que los beneficiarios puedan reclamar el importe asegurado por muerte y que el seguro de vida no se quede sin cobrar, por desconocimiento de los familiares .<\/p>\n<p>El Registro de Contratos de Seguros y Cobertura de Defunci\u00f3n, de car\u00e1cter p\u00fablico y dependiente del Ministerio de Justicia, recoge la informaci\u00f3n relativa a las p\u00f3lizas (de vida o accidentes, pero tambi\u00e9n asociadas a tarjetas o de cr\u00e9dito, por ejemplo) con garant\u00eda o cobertura de muerte contratada.<\/p>\n<p><strong>\u00bfQu\u00e9 hacer?<\/strong><br \/>\nEl tr\u00e1mite es sencillo, s\u00f3lo es necesario solicitar un Certificado de Contratos de Seguros de cobertura de fallecimiento en el citado Registro, una vez hayan transcurrido 15 d\u00edas h\u00e1biles desde la muerte, y no antes.<\/p>\n<p><strong>\u00bfQu\u00e9 documentaci\u00f3n se debe presentar?<\/strong><br \/>\nAdem\u00e1s del mencionado modelo administrativo, \u00fanicamente se requiere el Certificado Literal de Defunci\u00f3n. Puede ser el original o copia compulsada, pero expedido por el Registro Civil de la localidad donde la persona haya fallecido. Adem\u00e1s, debe constar el nombre de los padres del difunto.<\/p>\n<p>Ahora bien, si el fallecimiento no est\u00e1 inscrito en un Juzgado de Paz, s\u00f3lo es necesario presentar el DNI de la persona fallecida para ciudadanos espa\u00f1oles o el NIE para residentes extranjeros o el n\u00famero de Pasaporte o documento de identidad de su pa\u00eds de origen .<\/p>\n<p>Si se env\u00eda por correo postal, se recibir\u00e1 en la direcci\u00f3n indicada en el Modelo 790 en siete d\u00edas h\u00e1biles.<\/p>\n<p>Para facilitar los tr\u00e1mites en <strong>Cud\u00f3s Consultors<\/strong> ofrecemos nuestros servicios para realizar la gesti\u00f3n de forma c\u00f3moda y r\u00e1pida.<\/p>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-2{width:66.666666666667% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-column-2 > .fusion-column-wrapper {padding-top : 75px !important;padding-right : 0px !important;margin-right : 2.88%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 2.88%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-2{width:66.666666666667% !important;order : 0;}.fusion-builder-column-2 > .fusion-column-wrapper {margin-right : 2.88%;margin-left : 2.88%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-2{width:100% !important;order : 0;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-2 > .fusion-column-wrapper {padding-top : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;margin-left : 1.92%;}}<\/style><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-2{ padding-top : 0px;margin-top : 0px;padding-right : 0px;padding-bottom : 0px;margin-bottom : 0px;padding-left : 0px;}<\/style><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":15266,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[57],"tags":[],"class_list":["post-15261","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-seguros"],"_links":{"self":[{"href":"https:\/\/www.cudosconsultors.com\/es\/wp-json\/wp\/v2\/posts\/15261","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cudosconsultors.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cudosconsultors.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cudosconsultors.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cudosconsultors.com\/es\/wp-json\/wp\/v2\/comments?post=15261"}],"version-history":[{"count":2,"href":"https:\/\/www.cudosconsultors.com\/es\/wp-json\/wp\/v2\/posts\/15261\/revisions"}],"predecessor-version":[{"id":15269,"href":"https:\/\/www.cudosconsultors.com\/es\/wp-json\/wp\/v2\/posts\/15261\/revisions\/15269"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cudosconsultors.com\/es\/wp-json\/wp\/v2\/media\/15266"}],"wp:attachment":[{"href":"https:\/\/www.cudosconsultors.com\/es\/wp-json\/wp\/v2\/media?parent=15261"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cudosconsultors.com\/es\/wp-json\/wp\/v2\/categories?post=15261"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cudosconsultors.com\/es\/wp-json\/wp\/v2\/tags?post=15261"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}