Proteja a su familia
de lo inesperado
Echa un vistazo a nuestras herramientas, descuentos y consejos para que puedas ocuparte de los negocios, las finanzas y la diversión.
Encuentre hoy mismo un seguro de vida temporal
El seguro de vida temporal le ofrece a usted y a su familia estabilidad financiera en caso de fallecimiento, con el apoyo que necesite durante el tiempo que elija.
Se le redirigirá a una aplicación en línea
Inicie sesión o regístrese para ver los planos
Resumen de prestaciones
- Los planes ofrecen precios transparentes y flexibles.
- No es necesario acudir al médico para los planes de 100.000 $ o menos (salvo en el caso de determinadas enfermedades preexistentes).
- Puede reducir su cobertura si lo necesita.
- Consulte el cuadro completo de tarifas más abajo.
Acerca de este seguro
What is Term Life Insurance?
Term Life Insurance protects the remaining family members in the event that a financial provider unexpectedly passes away.
The term is for how long you think you’ll need life insurance. You’ll pay premiums over the duration of the term. Your family is only eligible to receive a death benefit during the term, and as long as you’re paying premiums.
You’ll need to decide how much “death benefit” your family needs. As you might suspect, your premium depends on how much “death benefit” your family will receive. So if you’re only looking to leave $50,000 behind to cover taxes, your premium will be a lot less than a $1 million policy intended to support your dependents for several years.
Freelancers Union proporciona acceso a la póliza de seguro de vida temporal de Guardian, un plan flexible y fácil de usar diseñado especialmente para autónomos.
Tarifas
Coste mensual femenino
| Cobertura | $50,000 | $100,000 | $200,000 | $250,000 | $300,000 | $400,000 | $500,000 | $750,000 | $1,000,000 |
|---|---|---|---|---|---|---|---|---|---|
| Menos de 30 años | $6.33 | $8.05 | $11.50 | $13.23 | $14.95 | $18.40 | $21.85 | $30.48 | $39.10 |
| 30 - 34 | $7.48 | $10.35 | $16.10 | $18.98 | $21.85 | $27.60 | $33.35 | $47.73 | $62.10 |
| 35 - 39 | $8.05 | $11.50 | $18.40 | $21.85 | $25.30 | $32.20 | $39.10 | $56.35 | $73.60 |
| 40 - 44 | $9.78 | $14.95 | $25.30 | $30.48 | $35.65 | $46.00 | $56.35 | $82.23 | $108.10 |
| 45 - 49 | $14.38 | $24.15 | $43.70 | $53.48 | $63.25 | $82.80 | $102.35 | $151.23 | $200.10 |
| 50 - 54 | $18.40 | $32.20 | $59.80 | $73.60 | $87.40 | $115.00 | $142.60 | $211.60 | $280.60 |
| 55 - 59 | $31.05 | $57.50 | $110.40 | $136.85 | $163.30 | $216.20 | $269.10 | $401.35 | $533.60 |
| 60 - 64 | $46.00 | $87.40 | $170.20 | $211.60 | $253.00 | $335.80 | $418.60 | $625.60 | $832.60 |
| 65 - 69 | $75.90 | $147.20 | $289.80 | $361.10 | $432.40 | $575.00 | $717.60 | $1,074.10 | $1,430.60 |
Coste mensual masculino
| Cobertura | $50,000 | $100,000 | $200,000 | $250,000 | $300,000 | $400,000 | $500,000 | $750,000 | $1,000,000 |
|---|---|---|---|---|---|---|---|---|---|
| Menos de 30 años | $7.48 | $10.35 | $16.10 | $18.98 | $21.85 | $27.60 | $33.35 | $47.73 | $62.10 |
| 30 - 34 | $8.63 | $12.65 | $20.70 | $24.73 | $28.75 | $36.80 | $44.85 | $64.98 | $85.10 |
| 35 - 39 | $9.20 | $13.80 | $23.00 | $27.60 | $32.20 | $41.40 | $50.60 | $73.60 | $96.60 |
| 40 - 44 | $12.65 | $20.70 | $36.80 | $44.85 | $52.90 | $69.00 | $85.10 | $125.35 | $165.60 |
| 45 - 49 | $17.25 | $29.90 | $55.20 | $67.85 | $80.50 | $105.80 | $131.10 | $194.35 | $257.60 |
| 50 - 54 | $29.90 | $55.20 | $105.80 | $131.10 | $156.40 | $207.00 | $257.60 | $384.10 | $510.60 |
| 55 - 59 | $48.88 | $93.15 | $181.70 | $225.98 | $270.25 | $358.80 | $447.35 | $668.73 | $890.10 |
| 60 - 64 | $77.05 | $149.50 | $294.40 | $366.85 | $439.30 | $584.20 | $729.10 | $1,091.35 | $1,453.60 |
| 65 - 69 | $119.60 | $234.60 | $464.60 | $579.60 | $694.60 | $924.60 | $1,154.60 | $1,729.60 | $2,304.60 |
Coste mensual femenino
| Cobertura | $50,000 | $100,000 | $200,000 | $250,000 | $300,000 | $400,000 | $500,000 | $750,000 | $1,000,000 |
|---|---|---|---|---|---|---|---|---|---|
| Menos de 30 años | $7.48 | $10.35 | $16.10 | $18.98 | $21.85 | $27.60 | $33.35 | $47.73 | $62.10 |
| 30 - 34 | $9.20 | $13.80 | $23.00 | $27.60 | $32.20 | $41.40 | $50.60 | $73.60 | $96.60 |
| 35 - 39 | $10.93 | $17.25 | $29.90 | $36.23 | $42.55 | $55.20 | $67.85 | $99.48 | $131.10 |
| 40 - 44 | $14.38 | $24.15 | $43.70 | $53.48 | $63.25 | $82.80 | $102.35 | $151.23 | $200.10 |
| 45 - 49 | $21.28 | $37.95 | $71.30 | $87.98 | $104.65 | $138.00 | $171.35 | $254.73 | $338.10 |
| 50 - 54 | $28.75 | $52.90 | $101.20 | $125.35 | $149.50 | $197.80 | $246.10 | $366.85 | $487.60 |
| 55 - 59 | $48.88 | $93.15 | $181.70 | $225.98 | $270.25 | $358.80 | $447.35 | $668.73 | $890.10 |
| 60 - 64 | $68.43 | $132.25 | $259.90 | $323.73 | $387.55 | $515.20 | $642.85 | $961.98 | $1,281.10 |
| 65 - 69 | $106.38 | $208.15 | $411.70 | $513.48 | $615.25 | $818.80 | $1,022.35 | $1,531.23 | $2,040.10 |
Coste mensual masculino
| Cobertura | $50,000 | $100,000 | $200,000 | $250,000 | $300,000 | $400,000 | $500,000 | $750,000 | $1,000,000 |
|---|---|---|---|---|---|---|---|---|---|
| Menos de 30 años | $9.78 | $14.95 | $25.30 | $30.48 | $35.65 | $46.00 | $56.35 | $82.23 | $108.10 |
| 30 - 34 | $13.23 | $21.85 | $39.10 | $47.73 | $56.35 | $73.60 | $90.85 | $133.98 | $177.10 |
| 35 - 39 | $15.53 | $26.45 | $48.30 | $59.23 | $70.15 | $92.00 | $113.85 | $168.48 | $223.10 |
| 40 - 44 | $21.28 | $37.95 | $71.30 | $87.98 | $104.65 | $138.00 | $171.35 | $254.73 | $338.10 |
| 45 - 49 | $32.78 | $60.95 | $117.30 | $145.48 | $173.65 | $230.00 | $286.35 | $427.23 | $568.10 |
| 50 - 54 | $60.95 | $117.30 | $230.00 | $286.35 | $342.70 | $455.40 | $568.10 | $849.85 | $1,131.60 |
| 55 - 59 | $95.45 | $186.30 | $368.00 | $458.85 | $549.70 | $731.40 | $913.10 | $1,367.35 | $1,821.60 |
| 60 - 64 | $140.30 | $276.00 | $547.40 | $683.10 | $818.80 | $1,090.20 | $1,361.60 | $2,040.10 | $2,718.60 |
| 65 - 69 | $201.25 | $397.90 | $791.20 | $987.85 | $1,184.50 | $1,577.80 | $1,971.10 | $2,954.35 | $3,937.60 |
Coste mensual femenino
| Cobertura | $25,000 | $50,000 | $100,000 | $125,000 | $150,000 | $200,000 | $250,000 |
|---|---|---|---|---|---|---|---|
| Menos de 30 años | $3.74 | $4.60 | $6.33 | $7.19 | $8.05 | $9.78 | $11.50 |
| 30 - 34 | $4.31 | $5.75 | $8.63 | $10.06 | $11.50 | $14.38 | $17.25 |
| 35 - 39 | $4.60 | $6.33 | $9.78 | $11.50 | $13.23 | $16.68 | $20.13 |
| 40 - 44 | $5.46 | $8.05 | $13.23 | $15.81 | $18.40 | $23.58 | $28.75 |
| 45 - 49 | $7.76 | $12.65 | $22.43 | $27.31 | $32.20 | $41.98 | $51.75 |
| 50 - 54 | $9.78 | $16.68 | $30.48 | $37.38 | $44.28 | $58.08 | $71.88 |
| 55 - 59 | $16.10 | $29.33 | $55.78 | $69.00 | $82.23 | $108.68 | $135.13 |
| 60 - 64 | $23.58 | $44.28 | $85.68 | $106.38 | $127.08 | $168.48 | $209.88 |
| 65 - 69 | $38.53 | $74.18 | $145.48 | $181.13 | $216.78 | $288.08 | $359.38 |
Coste mensual masculino
| Cobertura | $25,000 | $50,000 | $100,000 | $125,000 | $150,000 | $200,000 | $250,000 |
|---|---|---|---|---|---|---|---|
| Menos de 30 años | $4.31 | $5.75 | $8.63 | $10.06 | $11.50 | $14.38 | $17.25 |
| 30 - 34 | $4.89 | $6.90 | $10.93 | $12.94 | $14.95 | $18.98 | $23.00 |
| 35 - 39 | $5.18 | $7.48 | $12.08 | $14.38 | $16.68 | $21.28 | $25.88 |
| 40 - 44 | $6.90 | $10.93 | $18.98 | $23.00 | $27.03 | $35.08 | $43.13 |
| 45 - 49 | $9.20 | $15.53 | $28.18 | $34.50 | $40.83 | $53.48 | $66.13 |
| 50 - 54 | $15.53 | $28.18 | $53.48 | $66.13 | $78.78 | $104.08 | $129.38 |
| 55 - 59 | $25.01 | $47.15 | $91.43 | $113.56 | $135.70 | $179.98 | $224.25 |
| 60 - 64 | $39.10 | $75.33 | $147.78 | $184.00 | $220.23 | $292.68 | $365.13 |
| 65 - 69 | $60.38 | $117.88 | $232.88 | $290.38 | $347.88 | $462.88 | $577.88 |
Coste mensual femenino
| Cobertura | $25,000 | $50,000 | $100,000 | $125,000 | $150,000 | $200,000 | $250,000 |
|---|---|---|---|---|---|---|---|
| Menos de 30 años | $4.31 | $5.75 | $8.63 | $10.06 | $11.50 | $14.38 | $17.25 |
| 30 - 34 | $5.18 | $7.48 | $12.08 | $14.38 | $16.68 | $21.28 | $25.88 |
| 35 - 39 | $6.04 | $9.20 | $15.53 | $18.69 | $21.85 | $28.18 | $34.50 |
| 40 - 44 | $7.76 | $12.65 | $22.43 | $27.31 | $32.20 | $41.98 | $51.75 |
| 45 - 49 | $11.21 | $19.55 | $36.23 | $44.56 | $52.90 | $69.58 | $86.25 |
| 50 - 54 | $14.95 | $27.03 | $51.18 | $63.25 | $75.33 | $99.48 | $123.63 |
| 55 - 59 | $25.01 | $47.15 | $91.43 | $113.56 | $135.70 | $179.98 | $224.25 |
| 60 - 64 | $34.79 | $66.70 | $130.53 | $162.44 | $194.35 | $258.18 | $322.00 |
| 65 - 69 | $53.76 | $104.65 | $206.43 | $257.31 | $308.20 | $409.98 | $511.75 |
Coste mensual masculino
| Cobertura | $25,000 | $50,000 | $100,000 | $125,000 | $150,000 | $200,000 | $250,000 |
|---|---|---|---|---|---|---|---|
| Menos de 30 años | $5.46 | $8.05 | $13.23 | $15.81 | $18.40 | $23.58 | $28.75 |
| 30 - 34 | $7.19 | $11.50 | $20.13 | $24.44 | $28.75 | $37.38 | $46.00 |
| 35 - 39 | $8.34 | $13.80 | $24.73 | $30.19 | $35.65 | $46.58 | $57.50 |
| 40 - 44 | $11.21 | $19.55 | $36.23 | $44.56 | $52.90 | $69.58 | $86.25 |
| 45 - 49 | $16.96 | $31.05 | $59.23 | $73.31 | $87.40 | $115.58 | $143.75 |
| 50 - 54 | $31.05 | $59.23 | $115.58 | $143.75 | $171.93 | $228.28 | $284.63 |
| 55 - 59 | $48.30 | $93.73 | $184.58 | $230.00 | $275.43 | $366.28 | $457.13 |
| 60 - 64 | $70.73 | $138.58 | $274.28 | $342.13 | $409.98 | $545.68 | $681.38 |
| 65 - 69 | $101.20 | $199.53 | $396.18 | $494.50 | $592.83 | $789.48 | $986.13 |
Nuestro socio
Guardián
Para afiliarse a un seguro de vida temporal, debe responder a algunas preguntas básicas sobre su historial médico cuando presente la solicitud. En función de esas respuestas, es posible que se le pida que facilite información sanitaria más detallada en un formulario de prueba de asegurabilidad. Si solicita una cobertura superior a 100.000 $, también tendrá que proporcionar un formulario de prueba de asegurabilidad y es posible que se le emitan 100.000 $ mientras se lleva a cabo una revisión para el importe superior. Una vez aprobada, su cobertura aumentará hasta el importe solicitado. Si decide aumentar los niveles de cobertura, tendrá que aportar pruebas de asegurabilidad. Las personas a su cargo pueden obtener cobertura una vez que usted esté afiliado. Su cónyuge puede optar hasta el 50% de su nivel de cobertura y tendrá que presentar una prueba de asegurabilidad para una cobertura superior a 50.000 $. Los afiliados inscritos en la cobertura de vida temporal pueden asegurar a sus hijos hasta un máximo de 4.000 $ por hijo. El coste mensual por hijo es de 2,52 $ al mes. El nivel de cobertura disminuye en un 50% a los 65 años y finaliza a los 70 años.
Por qué contratar un seguro con el sindicato de autónomos
Dónde se contrata el seguro
En realidad importa
- Cuando compras un plan a través de Freelancers Union, recibimos una pequeña comisión sin coste adicional para ti.
- Estos fondos nos ayudan a continuar nuestra labor de defensa y apoyo de los autónomos en todo el país
- Las asociaciones también nos ayudan a encontrar los mejores planes y descuentos para nuestros afiliados.
Buscar cobertura hoy
Encuentre hoy mismo planes asequibles
Opciones adicionales para autónomos
LA LETRA PEQUEÑA (LOS ABOGADOS NOS OBLIGARON A HACERLO)
Freelancers Union, Inc. (FU) no es un agente de seguros o aseguradora con licencia. Freelancers Union contrata con Guardian un seguro de vida. La información contenida en este sitio web sobre los beneficios del seguro de vida es un resumen de los términos y condiciones aplicables que se proporciona únicamente con fines informativos generales. Los términos de cualquier producto se rigen exclusivamente por el Contrato de Afiliación aplicable. En caso de cualquier inconsistencia entre la información proporcionada en este Sitio Web y las disposiciones específicas del Contrato de Miembro, regirá el Contrato de Miembro.