{"id":2059,"date":"2021-09-15T17:10:04","date_gmt":"2021-09-15T20:10:04","guid":{"rendered":"https:\/\/www.pagos.com.br\/site\/?page_id=2059"},"modified":"2021-09-24T11:47:51","modified_gmt":"2021-09-24T14:47:51","slug":"seguro-vida-em-grupo","status":"publish","type":"page","link":"https:\/\/www.pagos.com.br\/site\/produtos\/seguro-vida-em-grupo\/","title":{"rendered":"Seguro Vida em Grupo"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2059\" class=\"elementor elementor-2059\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-csfwbsu elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"csfwbsu\" data-element_type=\"section\" id=\"topo\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-167bc27\" data-id=\"167bc27\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2320c17 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2320c17\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-inner-column elementor-element elementor-element-2cb1211\" data-id=\"2cb1211\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9066b40 elementor-widget elementor-widget-text-editor\" data-id=\"9066b40\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tSeguro Vida em Grupo\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74bc036 elementor-widget elementor-widget-text-editor\" data-id=\"74bc036\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Garantir o bem-estar dos colaboradores e potencializar a produtividade, a motiva\u00e7\u00e3o e a satisfa\u00e7\u00e3o no ambiente de trabalho.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-686970c\" data-id=\"686970c\" data-element_type=\"column\" id=\"orcamento\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-24d6b1d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"24d6b1d\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-624bfb0 elementor-widget elementor-widget-heading\" data-id=\"624bfb0\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Fa\u00e7a sua cota\u00e7\u00e3o agora<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fcc36c9 bdt-fluentform-form-button-custom bdt-ff-step-header-yes bdt-ff-step-progressbar-yes elementor-widget elementor-widget-bdt-fluent-forms\" data-id=\"fcc36c9\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"bdt-fluent-forms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t<div class=\"bdt-fluent-forms\">\n\n\t\t\t<div class='fluentform ff-default fluentform_wrapper_3 ffs_default_wrap'><form data-form_id=\"3\" id=\"fluentform_3\" class=\"frm-fluent-form fluent_form_3 ff-el-form-top ff_form_instance_3_1 ff-form-loading ffs_default\" data-form_instance=\"ff_form_instance_3_1\" method=\"POST\" ><fieldset  style=\"border: none!important;margin: 0!important;padding: 0!important;background-color: transparent!important;box-shadow: none!important;outline: none!important; min-inline-size: 100%;\">\n                    <legend class=\"ff_screen_reader_title\" style=\"display: block; margin: 0!important;padding: 0!important;height: 0!important;text-indent: -999999px;width: 0!important;overflow:hidden;\">03 - Cota\u00e7\u00e3o<\/legend><input type='hidden' name='__fluent_form_embded_post_id' value='2059' \/><input type=\"hidden\" id=\"_fluentform_3_fluentformnonce\" name=\"_fluentform_3_fluentformnonce\" value=\"df20174799\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/site\/wp-json\/wp\/v2\/pages\/2059\" \/><div class='ff-el-group'><div class='ff-el-input--content'><input type=\"text\" name=\"nome\" class=\"ff-el-form-control\" placeholder=\"Nome\" data-name=\"nome\" id=\"ff_3_nome\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><div class='ff-el-group ff-el-form-hide_label'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_3_email' id='label_ff_3_email' aria-label=\"E-mail\">E-mail<\/label><\/div><div class='ff-el-input--content'><input type=\"email\" name=\"email\" id=\"ff_3_email\" class=\"ff-el-form-control\" placeholder=\"E-mail\" data-name=\"email\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><div data-name=\"ff_cn_id_1\"  class='ff-t-container ff-column-container ff_columns_total_1 '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 100%;'><div class='ff-el-group'><div class='ff-el-input--content'><input type=\"text\" name=\"whatsapp\" data-mask=\"(00) 0 0000 - 0000\" class=\"ff-el-form-control\" placeholder=\"WhatsApp\" data-name=\"whatsapp\" id=\"ff_3_whatsapp\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><\/div><input type=\"hidden\" name=\"produto\" value=\"Seguro Vida em Grupo\" data-name=\"produto\" ><div class='ff-el-group'><div class='ff-el-input--content'><textarea aria-required=\"false\" aria-labelledby=\"label_ff_3_mensagem\" name=\"mensagem\" id=\"ff_3_mensagem\" class=\"ff-el-form-control\" placeholder=\"Sua mensagem\" rows=\"4\" cols=\"2\" data-name=\"mensagem\" ><\/textarea><\/div><\/div><div class='ff-el-group ff-text-left ff_submit_btn_wrapper'><button type=\"submit\" class=\"ff-btn ff-btn-submit ff-btn-md ff_btn_style\"  aria-label=\"Enviar\">Enviar<\/button><\/div><\/fieldset><\/form><div id='fluentform_3_errors' class='ff-errors-in-stack ff_form_instance_3_1 ff-form-loading_errors ff_form_instance_3_1_errors'><\/div><\/div>            <script type=\"text\/javascript\">\n                window.fluent_form_ff_form_instance_3_1 = {\"id\":\"3\",\"settings\":{\"layout\":{\"labelPlacement\":\"top\",\"helpMessagePlacement\":\"with_label\",\"errorMessagePlacement\":\"inline\",\"cssClassName\":\"\",\"asteriskPlacement\":\"asterisk-right\"},\"restrictions\":{\"denyEmptySubmission\":{\"enabled\":false}}},\"form_instance\":\"ff_form_instance_3_1\",\"form_id_selector\":\"fluentform_3\",\"rules\":{\"nome\":{\"required\":{\"value\":true,\"message\":\"Este campo \\u00e9 obrigat\\u00f3rio\",\"global\":false,\"global_message\":\"Este campo \\u00e9 obrigat\\u00f3rio\"}},\"email\":{\"required\":{\"value\":true,\"message\":\"Este campo \\u00e9 obrigat\\u00f3rio\",\"global_message\":\"Este campo \\u00e9 obrigat\\u00f3rio\",\"global\":true},\"email\":{\"value\":true,\"message\":\"Este campo deve conter um e-mail v\\u00e1lido\",\"global_message\":\"Este campo deve conter um e-mail v\\u00e1lido\",\"global\":true}},\"whatsapp\":{\"required\":{\"value\":true,\"message\":\"Preencha com seu WhatsApp\",\"global\":false,\"global_message\":\"Este campo \\u00e9 obrigat\\u00f3rio\"}},\"mensagem\":{\"required\":{\"value\":false,\"message\":\"\",\"global\":false,\"global_message\":\"Este campo \\u00e9 obrigat\\u00f3rio\"}}},\"debounce_time\":300};\n                            <\/script>\n            \n\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-50w5egi elementor-section-content-middle elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"50w5egi\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-22a42c0\" data-id=\"22a42c0\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f0768ca elementor-widget elementor-widget-text-editor\" data-id=\"f0768ca\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>O seguro de vida empresarial \u00e9 aquele contratado pela empresa, sindicato, associa\u00e7\u00e3o, com o objetivo de assegurar prote\u00e7\u00e3o aos seus colaboradores ou associados (ou at\u00e9 mesmo aos seus familiares).<\/p><p>A cobertura b\u00e1sica se d\u00e1 em caso de morte (natural ou por acidente) ou invalidez (por acidente ou enfermidade), mas h\u00e1 a possibilidade de combinar um conjunto ilimitado de prote\u00e7\u00f5es.<\/p><p>Nesse seguro, a empresa \u00e9 quem tem a qualidade de estipulante, sendo a respons\u00e1vel pela negocia\u00e7\u00e3o das cl\u00e1usulas (prazos, car\u00eancias, idade m\u00e1xima, pol\u00edticas de reajuste dos pr\u00eamios etc.), de forma que o colaborador \u00e9 apenas inclu\u00eddo na ap\u00f3lice coletiva.<\/p><p>A grande vantagem desse seguro \u00e9 seu pre\u00e7o mais atrativo em rela\u00e7\u00e3o a um seguro vida individual, dado que a compra em escala e o conhecimento pr\u00e9vio do grupo a ser beneficiado com o produto permitem \u00e0 empresa chegar a valores bastante interessantes.<\/p><p>Assim, como o custo de contrata\u00e7\u00e3o \u00e9 relativamente baixo \u00e0 empresa, \u00e9 poss\u00edvel proteger seus profissionais sem imenso esfor\u00e7o financeiro e, ao mesmo tempo, estimul\u00e1-los com um gesto de zelo e respeito que certamente vai dar tranquilidade familiar e ajud\u00e1-los a manter foco total na produtividade.<br \/><br \/><\/p><div class=\"main\" role=\"main\"><div class=\"main\" role=\"main\"><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"tabs\"><div class=\"tab-content\"><div id=\"popular\" class=\"tab-pane active\"><h2>Modalidades<\/h2><ul><li aria-level=\"1\">Capital Global<\/li><li aria-level=\"1\">M\u00faltiplo salarial<\/li><li aria-level=\"1\">Livre escolha<\/li><li aria-level=\"1\">PME<\/li><li aria-level=\"1\">Conven\u00e7\u00f5es coletivas<\/li><li aria-level=\"1\">Acidentes Pessoais<\/li><\/ul><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><footer id=\"footer\" class=\"short\"><div class=\"container\"><div class=\"row\"><div class=\"col-md-8\">\u00a0<\/div><\/div><\/div><\/footer>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-34c573d3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"34c573d3\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2c6fd21a\" data-id=\"2c6fd21a\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4b5b1f99 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4b5b1f99\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2d566351\" data-id=\"2d566351\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-252c0c3 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"252c0c3\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">INFORMA\u00c7\u00d5ES<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-590a438b elementor-widget__width-auto elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"590a438b\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Solicite informa\u00e7\u00f5es sobre o produto<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-497fc2c3\" data-id=\"497fc2c3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-28cf6bb1 elementor-align-right elementor-mobile-align-left elementor-widget elementor-widget-button\" data-id=\"28cf6bb1\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#topo\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Solicite informa\u00e7\u00f5es<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1ff7c9d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1ff7c9d\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7b3dc06\" data-id=\"7b3dc06\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7c7930b elementor-widget elementor-widget-heading\" data-id=\"7c7930b\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">D\u00favidas Frequentes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d79d3b9 ha-accordion--icon-right elementor-widget elementor-widget-ha-accordion happy-addon ha-accordion happy-addon-pro\" data-id=\"d79d3b9\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"ha-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"ha-accordion__wrapper\" role=\"tablist\">\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-2261\" class=\"ha-accordion__item-title\" data-tab=\"1\" role=\"tab\" aria-controls=\"ha-accordion__item-content-2261\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"fas fa-angle-right\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"fas fa-angle-down\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Qual a diferen\u00e7a entre seguro de vida em grupo e individual?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-2261\" class=\"ha-accordion__item-content\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-2261\">\n                        <p>Muitas pessoas se perguntam qual a diferen\u00e7a entre seguro de vida coletivo e individual. De in\u00edcio, destaca-se que, diferentemente de um seguro de vida individual, o modelo em grupo n\u00e3o costuma permitir a negocia\u00e7\u00e3o isolada com cada segurado.Se, por um lado, h\u00e1 essa rigidez no ato de ingresso a uma ap\u00f3lice padronizada, por outro, os custos ao contratante (empresa) s\u00e3o nitidamente mais baixos. Al\u00e9m disso, uma quantidade maior de colaboradores permite que o empres\u00e1rio negocie coberturas mais atraentes. Ambos ganham com essa iniciativa.<\/p><p>O seguro de vida coletivo pode ser ofertado com 3 modalidades de custeio:<\/p><ul><li>custeio integral por parte da empresa;<\/li><li>custeio misto (empregador e empregado);<\/li><li>custeio integral por parte do funcion\u00e1rio (ingresso facultativo).<\/li><\/ul><p><br \/>De forma geral, distintamente de um seguro individual, as garantias do seguro contratado cessam ao final do v\u00ednculo com o estipulante.<\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-2262\" class=\"ha-accordion__item-title\" data-tab=\"2\" role=\"tab\" aria-controls=\"ha-accordion__item-content-2262\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"fas fa-angle-right\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"fas fa-angle-down\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Qual a diferen\u00e7a entre seguro de vida e seguro de acidentes pessoais?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-2262\" class=\"ha-accordion__item-content\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-2262\">\n                        <p>A diferen\u00e7a b\u00e1sica entre um seguro de acidentes pessoais e um seguro de vida \u00e9 que o primeiro cobre apenas morte ou invalidez decorrentes de acidentes, enquanto o seguro vida \u00e9 mais completo, abarcando morte ou invalidez de qualquer natureza (acidental ou por doen\u00e7a).<\/p><p>Como a diferen\u00e7a de valor n\u00e3o \u00e9 exorbitante entre as duas modalidades, \u00e9 muito mais interessante ao empregador proteger o empregado e seus familiares com uma ap\u00f3lice mais completa.<\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-2263\" class=\"ha-accordion__item-title\" data-tab=\"3\" role=\"tab\" aria-controls=\"ha-accordion__item-content-2263\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"fas fa-angle-right\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"fas fa-angle-down\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Quais s\u00e3o as exig\u00eancias para ter seguro de vida empresarial?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-2263\" class=\"ha-accordion__item-content\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-2263\">\n                        <p>A condi\u00e7\u00e3o b\u00e1sica para fazer parte do seguro \u00e9 estar vinculado \u00e0 empresa na qualidade de empregado, s\u00f3cio ou executivo. Al\u00e9m disso, todos devem constar no e-Social ou nos documentos cont\u00e1beis, como pr\u00f3-labore e contrato social.<\/p><p>Em geral, as seguradoras fazem exig\u00eancia com rela\u00e7\u00e3o a um n\u00famero m\u00ednimo de pessoas a serem seguradas (a partir de tr\u00eas vidas), bem como no que se refere \u00e0 idade, que geralmente fica entre 14 e 65 anos. Algumas seguradoras, todavia, permitem a entrada at\u00e9 os 70 anos.<\/p><p>As seguradoras contam com planos espec\u00edficos para cada porte de empresa e na medida do risco de cada atividade. H\u00e1 no mercado, por exemplo, seguros especialmente formatados para pequenas e m\u00e9dias empresas (PME).<\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-2264\" class=\"ha-accordion__item-title\" data-tab=\"4\" role=\"tab\" aria-controls=\"ha-accordion__item-content-2264\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"fas fa-angle-right\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"fas fa-angle-down\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Quais s\u00e3o as 8 principais coberturas do seguro de vida empresarial?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-2264\" class=\"ha-accordion__item-content\" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-2264\">\n                        <p>As coberturas do seguro de vida variam de acordo com a ap\u00f3lice negociada pela empresa. Entretanto, as prote\u00e7\u00f5es mais comuns s\u00e3o:<\/p><ul><li>morte \u2014 natural ou por acidente;<\/li><li>invalidez permanente \u2014 total ou parcial por acidente;<\/li><li>invalidez funcional ou laboral permanente total por enfermidade;<\/li><li>despesas m\u00e9dicas, hospitalares e odontol\u00f3gicas;<\/li><li>di\u00e1rias de incapacidade tempor\u00e1ria;<\/li><li>di\u00e1rias por interna\u00e7\u00e3o em institui\u00e7\u00f5es hospitalares;<\/li><li>doen\u00e7as graves;<\/li><li>verba rescis\u00f3ria por morte;<\/li><li>assist\u00eancia ou aux\u00edlio funeral.<\/li><\/ul>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-2265\" class=\"ha-accordion__item-title\" data-tab=\"5\" role=\"tab\" aria-controls=\"ha-accordion__item-content-2265\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"fas fa-angle-right\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"fas fa-angle-down\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Quais as principais vantagens do seguro de vida empresarial?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-2265\" class=\"ha-accordion__item-content\" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-2265\">\n                        <p>O seguro de vida em grupo tem algumas vantagens de um seguro de vida individual e ainda outras exclusivas.<\/p><p>Dentre os benef\u00edcios mais gerais, vale a pena destacar o fato de que o seguro de vida n\u00e3o \u00e9 considerado heran\u00e7a, ou seja, n\u00e3o entra no invent\u00e1rio.<\/p><p>O seguro \u00e9, portanto, uma forma mais r\u00e1pida de fazer a sucess\u00e3o familiar, al\u00e9m de n\u00e3o estar sujeito ao Imposto sobre Transmiss\u00e3o Causa Mortis e Doa\u00e7\u00e3o (ITCMD).<\/p><p>O seguro de vida tamb\u00e9m \u00e9 um dos poucos instrumentos de prote\u00e7\u00e3o financeira que se mant\u00e9m protegido da incid\u00eancia de imposto de renda.<\/p><p>Isen\u00e7\u00e3o fiscal<\/p><p>A empresa que declara pelo lucro real e adquire um seguro de vida ou de acidentes pessoais para seus colaboradores pode deduzir os pagamentos efetuados, colocando-os como despesas operacionais.<\/p><p>Como esse aumento de despesas diminui o lucro declarado, o imposto de renda pago ser\u00e1 menor \u2014 tudo isso dentro da lei.<\/p><p>Ao funcion\u00e1rio, h\u00e1 tamb\u00e9m a vantagem tribut\u00e1ria, dado que o seguro de vida empresarial ou individual \u00e9 isento de imposto de renda.<\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-2266\" class=\"ha-accordion__item-title\" data-tab=\"6\" role=\"tab\" aria-controls=\"ha-accordion__item-content-2266\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"fas fa-angle-right\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"fas fa-angle-down\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\"> Seguro de vida empresarial \u00e9 obrigat\u00f3rio?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-2266\" class=\"ha-accordion__item-content\" data-tab=\"6\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-2266\">\n                        <p>Alguns sindicatos mais organizados conseguiram tornar obrigat\u00f3rio o seguro de acidentes pessoais ou seguro de vida. Esse \u00e9 o caso de trabalhadores de \u00e1reas como constru\u00e7\u00e3o civil, hotelaria, educa\u00e7\u00e3o, com\u00e9rcio e algumas ind\u00fastrias. Verificar na conven\u00e7\u00e3o coletiva, al\u00e9m de importante algumas vezes, \u00e9 obrigat\u00f3rio.<\/p>                    <\/div>\n                <\/div>\n                    <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Garantir o bem-estar dos colaboradores e potencializar a produtividade, a motiva\u00e7\u00e3o e a satisfa\u00e7\u00e3o no ambiente de trabalho. Fa\u00e7a sua cota\u00e7\u00e3o agora O seguro de vida empresarial \u00e9 aquele contratado pela empresa, sindicato, associa\u00e7\u00e3o, com o objetivo de assegurar prote\u00e7\u00e3o aos seus colaboradores ou associados (ou at\u00e9 mesmo aos seus familiares). A cobertura b\u00e1sica se [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":963,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-2059","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.pagos.com.br\/site\/wp-json\/wp\/v2\/pages\/2059","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.pagos.com.br\/site\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.pagos.com.br\/site\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.pagos.com.br\/site\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pagos.com.br\/site\/wp-json\/wp\/v2\/comments?post=2059"}],"version-history":[{"count":28,"href":"https:\/\/www.pagos.com.br\/site\/wp-json\/wp\/v2\/pages\/2059\/revisions"}],"predecessor-version":[{"id":2693,"href":"https:\/\/www.pagos.com.br\/site\/wp-json\/wp\/v2\/pages\/2059\/revisions\/2693"}],"up":[{"embeddable":true,"href":"https:\/\/www.pagos.com.br\/site\/wp-json\/wp\/v2\/pages\/963"}],"wp:attachment":[{"href":"https:\/\/www.pagos.com.br\/site\/wp-json\/wp\/v2\/media?parent=2059"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}