? ¿Por qué parece que el seguro de invalidez para los dentistas es más caro que el seguro de vida?? Esta es una pregunta frecuente que la gente ve a los pagos a veces suma a tanto alzado para los seguros de vida frente a un modesto beneficio mensual por discapacidad. La respuesta es bastante simple. Las probabilidades son más altas que, durante su carrera profesional, tiene más probabilidades de sufrir una lesión o enfermedad y una discapacidad de lo que van a morir. Además, el beneficio total que se paga desde el momento de la discapacidad a 65 años de edad podrían llegar a los millones de dólares. A $ 10.000 por mes Incapacidad, con cargo a los 45 años hasta los 65 años pagaría 2.400.000 dólares.
La industria de seguros, como usted probablemente sabe, establece estructuras de costos y calidad, basándose en las estadísticas. Las reclamaciones presentadas más cubierto y el monto de los pagos de beneficios a menudo se traducen en primas más altas, mientras que los reclamos y menos de dólares pagados a menudo resultan en primas más bajas por la misma cobertura.
Su meta de seguro de bajo costo todavía puede hacerse realidad. Sin embargo, usted debe considerar seriamente su discapacidad paquete de seguros de protección de dentista, asegurándose de que es adecuada para sus necesidades. A diferencia de los seguros de vida, que es una más? Negro y blanco? situación, los seguros de invalidez para los dentistas reside en un gris mucho?? área de cobertura y beneficio.
Si, por lesión o enfermedad, usted queda incapacitado por un período de tiempo y no pueden practicar su especialidad, dejando a su flujo de ingresos mensuales sin protección o menos protección que podría generar una crisis financiera. Con las estadísticas recientes que proyectan una de las siete personas sufrirán una discapacidad antes de la edad de 65 años, dentistas residen en este universo estadístico. Cuando la gestión de sus problemas de costos dentista, que consideren seriamente la protección de una categoría aún más importante - su corriente de ingresos mensual.
Consulte su contrato de póliza de seguros para obtener información específica sobre su cobertura y de los términos actuales, las condiciones y exclusiones. Las declaraciones anteriores son de carácter general y pueden o pueden no reflejar las condiciones reales de su póliza de seguro.
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