![\"\"](\"https:\/\/doolounge.com\/wp-content\/uploads\/2025\/10\/fb_img_17602292557785435507726146857833.jpg\")
<\/figure>\n\n\n\n<\/p>\n\n\n\n
Muchas personas trabajan duro toda su vida y, como Wang Yung-ching y Chang Yung-fa, han alcanzado un \u00e9xito asombroso. Sin embargo, debido a que no hicieron planes adecuados durante su vida, sus familias terminaron en desacuerdo y recurrieron a los tribunales por la herencia.
No es que no quieran a su familia, sino que ignoran una realidad: \u201cMientras no se pague el impuesto de sucesiones, \u00a1todos los bienes quedar\u00e1n congelados!\u201d
Las casas, las acciones y los terrenos se han convertido en un mont\u00f3n de n\u00fameros inamovibles.
El ni\u00f1o tiene una casa y una propiedad, pero ni siquiera puede cubrir sus gastos de manutenci\u00f3n.
\u00a1\u00c9sta es la \u201c\u00faltima pieza del rompecabezas\u201d que muchas familias pasan por alto f\u00e1cilmente!
Lo que puede completar este rompecabezas no es una casa, un fondo o acciones, sino una "p\u00f3liza de seguro de vida".
Porque el valor del seguro de vida no reside en la tasa de retorno de la inversi\u00f3n, sino en el "rescate inmediato del flujo de caja".
Puede hacer:
1. Permite designar libremente a los beneficiarios sin pasar por engorrosos tr\u00e1mites sucesorios.
2. De conformidad con el art\u00edculo 16, p\u00e1rrafo 9, de la Ley del Impuesto sobre Sucesiones y Donaciones, no se incluir\u00e1 en el importe total de la herencia.
3. El efectivo generalmente se desembolsa en el plazo de una semana.
\u00a1Esto significa que cuando ocurre un evento inesperado, su familia no tendr\u00e1 que esperar en tediosos tr\u00e1mites tributarios!
Podr\u00e1n disponer inmediatamente de efectivo para pagar impuestos y tener dinero para vivir, sin tener que ver al IRS publicar avisos y subastar sus casas.
Imagina que tienes una hipoteca de 18 millones y un d\u00eda falleces repentinamente. \u00bfQu\u00e9 ser\u00e1 de tu esposa, tus hijos y tus familiares que te aman?
Si tiene una p\u00f3liza de seguro de vida, su esposa puede usar inmediatamente el dinero del seguro para pagar la hipoteca, y su familia puede seguir viviendo en el hogar que cuenta con su presencia, sin tener que deambular ni vender la casa.
\u00a1\u00c9sta no es una promesa verbal, sino una especie de consideraci\u00f3n oculta!
El "estudiante de secundaria de 500 millones" que aparece en las noticias hered\u00f3 una enorme cantidad de bienes inmuebles, pero debido a la falta de efectivo y a la demasiada presi\u00f3n, finalmente fue enga\u00f1ado y se convirti\u00f3 en una v\u00edctima.
Los obsequios en efectivo est\u00e1n sujetos al impuesto sobre donaciones, y las transferencias de bienes inmuebles est\u00e1n sujetas al impuesto sobre bienes inmuebles y tambi\u00e9n atraer\u00e1n la codicia de otros.
"Es mejor dejar la seguridad que dejar las disputas".
\u00a1El seguro de vida es el acuerdo m\u00e1s estable!
Porque no es s\u00f3lo un contrato, es un \u201cinterruptor de seguridad\u201d que le dejas a tu familia.
Cuando no est\u00e1s presente, puede comenzar de inmediato, convirtiendo el amor en flujo de efectivo, d\u00e1ndole a tu familia un respiro y tiempo suficiente para enfrentar el resto de la vida.
Mucha gente piensa que hablar de la \u201cmuerte\u201d trae mala suerte, pero una familia verdaderamente madura deber\u00eda atreverse a hablar honestamente sobre el \u201cdespu\u00e9s\u201d.
Porque no se trata de tener miedo a la muerte, sino de hacer que los vivos se sientan m\u00e1s a gusto.
No puedes proteger a tu hijo del viento y la lluvia durante toda su vida, pero puedes sostenerle el paraguas primero.
Para ti que est\u00e1s trabajando duro:
Mientras a\u00fan puedas planificar, prepara el camino para tu querida familia.
El amor verdadero no consiste en dejar atr\u00e1s un mont\u00f3n de propiedades, sino en dejar "justo el sentido de seguridad necesario".<\/p>","protected":false},"excerpt":{"rendered":"
Mientras no se pague el impuesto de sucesiones, la casa y las acciones quedar\u00e1n congeladas y la familia no podr\u00e1 tocar un c\u00e9ntimo.<\/p>\n
El seguro de vida le permite designar libremente a los beneficiarios, no est\u00e1 incluido en el monto total del patrimonio y puede pagar r\u00e1pidamente dinero en efectivo para llenar la "brecha de flujo de efectivo", lo que permite que su familia tenga la fuerza para seguir viviendo incluso en los momentos m\u00e1s dif\u00edciles.<\/p>\n
El amor verdadero no se trata de dejar atr\u00e1s muchas propiedades, sino de dejar la sensaci\u00f3n de seguridad justa.<\/p>","protected":false},"author":2,"featured_media":10517,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"activitypub_content_warning":"","activitypub_content_visibility":"","activitypub_max_image_attachments":4,"activitypub_interaction_policy_quote":"anyone","activitypub_status":"federated","footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false,"beyondwords_generate_audio":"","beyondwords_project_id":"","beyondwords_content_id":"","beyondwords_player_style":"","beyondwords_language_id":"","beyondwords_title_voice_id":"","beyondwords_body_voice_id":"","beyondwords_summary_voice_id":"","beyondwords_error_message":"","beyondwords_disabled":"","beyondwords_delete_content":"","beyondwords_podcast_id":"","beyondwords_hash":"","publish_post_to_speechkit":"","speechkit_hash":"","speechkit_generate_audio":"","speechkit_project_id":"","speechkit_podcast_id":"","speechkit_error_message":"","speechkit_disabled":"","speechkit_access_key":"","speechkit_error":"","speechkit_info":"","speechkit_response":"","speechkit_retries":"","speechkit_updated_at":"","_speechkit_link":"","_speechkit_text":""},"categories":[860,1263,817],"tags":[864,861,1304,1257,1000,812,1395,678,1397,1396],"class_list":["post-10518","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","category-secret","category-money","tag-864","tag-861","tag-1304","tag-1257","tag-1000","tag-812","tag-1395","tag-678","tag-1397","tag-1396"],"blocksy_meta":[],"featured_image_urls":{"full":["http:\/\/35.185.129.183\/wp-content\/uploads\/2025\/10\/fb_img_17602292557785435507726146857833.jpg",1008,567,false],"thumbnail":["http:\/\/35.185.129.183\/wp-content\/uploads\/2025\/10\/fb_img_17602292557785435507726146857833-150x150.jpg",150,150,true],"medium":["http:\/\/35.185.129.183\/wp-content\/uploads\/2025\/10\/fb_img_17602292557785435507726146857833-300x169.jpg",300,169,true],"medium_large":["http:\/\/35.185.129.183\/wp-content\/uploads\/2025\/10\/fb_img_17602292557785435507726146857833-768x432.jpg",768,432,true],"large":["http:\/\/35.185.129.183\/wp-content\/uploads\/2025\/10\/fb_img_17602292557785435507726146857833.jpg",1008,567,false],"1536x1536":["http:\/\/35.185.129.183\/wp-content\/uploads\/2025\/10\/fb_img_17602292557785435507726146857833.jpg",1008,567,false],"2048x2048":["http:\/\/35.185.129.183\/wp-content\/uploads\/2025\/10\/fb_img_17602292557785435507726146857833.jpg",1008,567,false],"trp-custom-language-flag":["http:\/\/35.185.129.183\/wp-content\/uploads\/2025\/10\/fb_img_17602292557785435507726146857833-18x10.jpg",18,10,true]},"post_excerpt_stackable":"
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