{"id":38949,"date":"2026-05-05T12:08:33","date_gmt":"2026-05-05T10:08:33","guid":{"rendered":"https:\/\/www.mgc.es\/?p=38949"},"modified":"2026-05-05T12:08:36","modified_gmt":"2026-05-05T10:08:36","slug":"beneficiari-asseguranca-vida","status":"publish","type":"post","link":"https:\/\/www.mgc.es\/ca\/blog\/beneficiari-asseguranca-vida\/","title":{"rendered":"Beneficiari de l&#8217;asseguran\u00e7a de vida: qui pots designar?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndex de continguts<\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.mgc.es\/ca\/blog\/beneficiari-asseguranca-vida\/#Que_es_el_beneficiari_duna_asseguranca_de_vida\" >Qu\u00e8 \u00e9s el beneficiari d&#8217;una asseguran\u00e7a de vida?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.mgc.es\/ca\/blog\/beneficiari-asseguranca-vida\/#Qui_pots_designar_com_a_beneficiari\" >Qui pots designar com a beneficiari?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.mgc.es\/ca\/blog\/beneficiari-asseguranca-vida\/#Tipus_de_designacio_de_beneficiari\" >Tipus de designaci\u00f3 de beneficiari<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.mgc.es\/ca\/blog\/beneficiari-asseguranca-vida\/#Quants_beneficiaris_pots_designar\" >Quants beneficiaris pots designar?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.mgc.es\/ca\/blog\/beneficiari-asseguranca-vida\/#Com_es_designa_o_es_canvia_el_beneficiari\" >Com es designa o es canvia el beneficiari?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.mgc.es\/ca\/blog\/beneficiari-asseguranca-vida\/#Aspectes_fiscals_que_has_de_coneixer\" >Aspectes fiscals que has de con\u00e8ixer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.mgc.es\/ca\/blog\/beneficiari-asseguranca-vida\/#Consells_per_triar_be_el_beneficiari_de_la_teva_asseguranca_de_vida\" >Consells per triar b\u00e9 el beneficiari de la teva asseguran\u00e7a de vida<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.mgc.es\/ca\/blog\/beneficiari-asseguranca-vida\/#Protegeix_els_qui_mes_mestimes_amb_una_asseguranca_de_vida_MGC\" >Protegeix els qui m\u00e9s mestimes amb una asseguran\u00e7a de vida MGC<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>Quan contractes una <a href=\"https:\/\/www.mgc.es\/ca\/vida\/\">asseguran\u00e7a de vida<\/a>, una de les decisions m\u00e9s importants no \u00e9s la cobertura ni la prima mensual: \u00e9s triar qui rebr\u00e0 la indemnitzaci\u00f3 si tu faltes. Aquella persona o persones \u00e9s el que en el m\u00f3n assegurador s&#8217;anomena beneficiari. I hi ha m\u00e9s llibertat de la que molta gent imagina per triar-lo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Que_es_el_beneficiari_duna_asseguranca_de_vida\"><\/span>Qu\u00e8 \u00e9s el beneficiari d&#8217;una asseguran\u00e7a de vida?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>El beneficiari \u00e9s la persona o persones que rebran la indemnitzaci\u00f3 de l&#8217;asseguran\u00e7a de vida en cas de defunci\u00f3 o invalidesa de l&#8217;assegurat<\/strong>. No ha de ser per for\u00e7a un familiar directe ni estar designat en el testament: ho decideixes tu en contractar la p\u00f2lissa, i pots canviar-ho despr\u00e9s.<\/p>\n\n\n\n<p>Per entendre-ho b\u00e9, conv\u00e9 distingir tres figures que de vegades es confonen:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Contractant:<\/strong> qui contracta l&#8217;asseguran\u00e7a i paga la prima.<\/li>\n\n\n\n<li><strong>Assegurat:<\/strong> la persona la vida o salut de la qual est\u00e0 coberta per la p\u00f2lissa. En molts casos, presonader i assegurat s\u00f3n la mateixa persona.<\/li>\n\n\n\n<li><strong>Beneficiari:<\/strong> qui cobra la indemnitzaci\u00f3 quan es produeix el sinistre cobert.<\/li>\n<\/ul>\n\n\n\n<p>Aquestes tres figures poden coincidir o no. Un pare pot <a href=\"https:\/\/www.mgc.es\/ca\/vida\/\">contractar una asseguran\u00e7a<\/a> sobre la seva pr\u00f2pia vida (presonader = assegurat) i designar com a beneficiaris els seus fills. O una empresa pot contractar una asseguran\u00e7a sobre la vida d&#8217;un soci clau i ser ella mateixa la benefici\u00e0ria.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Qui_pots_designar_com_a_beneficiari\"><\/span>Qui pots designar com a beneficiari?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>La resposta curta: gaireb\u00e9 qualsevol persona o entitat. La legislaci\u00f3 espanyola no estableix una llista tancada de qui pot ser-ho. Pots designar:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>El teu c\u00f2njuge o parella de fet<\/strong>, registrada o no.<\/li>\n\n\n\n<li><strong>Els teus fills<\/strong>, altres familiars directes o fins i tot familiars llunyans.<\/li>\n\n\n\n<li><strong>Persones sense vincle familiar<\/strong>: un amic, una persona amb qui conviviu, alg\u00fa a qui vols protegir encara que no hi hagi parentiu.<\/li>\n\n\n\n<li><strong>Persones jur\u00eddiques<\/strong>: una empresa, una fundaci\u00f3 o una associaci\u00f3 sense \u00e0nim de lucre.<\/li>\n<\/ul>\n\n\n\n<p>Tamb\u00e9 pots designar <strong>diversos beneficiaris alhora<\/strong> i assignar a cadascun un percentatge de la indemnitzaci\u00f3. Per exemple, el 50% per a la teva parella i el 25% per a cadascun dels teus dos fills. L\u2019\u00fanica condici\u00f3 \u00e9s que els percentatges sumin el 100%.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"880\" height=\"587\" src=\"https:\/\/www.mgc.es\/wp-content\/uploads\/2026\/05\/quien-puedes-er-beneficiario-seguro-vida-880x587.jpg\" alt=\"\" class=\"wp-image-38946\" srcset=\"https:\/\/www.mgc.es\/wp-content\/uploads\/2026\/05\/quien-puedes-er-beneficiario-seguro-vida-880x587.jpg 880w, https:\/\/www.mgc.es\/wp-content\/uploads\/2026\/05\/quien-puedes-er-beneficiario-seguro-vida-440x293.jpg 440w, https:\/\/www.mgc.es\/wp-content\/uploads\/2026\/05\/quien-puedes-er-beneficiario-seguro-vida-768x512.jpg 768w, https:\/\/www.mgc.es\/wp-content\/uploads\/2026\/05\/quien-puedes-er-beneficiario-seguro-vida.jpg 900w\" sizes=\"auto, (max-width: 880px) 100vw, 880px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tipus_de_designacio_de_beneficiari\"><\/span>Tipus de designaci\u00f3 de beneficiari<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Hi ha dues formes principals de designar un beneficiari, i cadascuna t\u00e9 els seus avantatges.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Designaci\u00f3 nominal:<\/strong> s\u2019indica el nom i cognoms concrets de la persona. \u00c9s l\u2019opci\u00f3 m\u00e9s precisa, per\u00f2 requereix mantenir-la actualitzada. Si el teu beneficiari designat mor abans que tu i no has actualitzat la p\u00f2lissa, es pot generar un buit que compliqui el cobrament.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Designaci\u00f3 gen\u00e8rica:<\/strong> s\u2019utilitzen f\u00f3rmules com &#8220;els meus hereus legals&#8221;, &#8220;el meu c\u00f2njuge en el moment de la defunci\u00f3&#8221; o &#8220;els meus fills per parts iguals&#8221;. L\u2019avantatge \u00e9s que s\u2019adapta autom\u00e0ticament als canvis vitals: si et divorcies i et tornes a casar, la f\u00f3rmula &#8220;el meu c\u00f2njuge&#8221; apuntar\u00e0 a la persona correcta sense que hagis de modificar res.<\/li>\n<\/ul>\n\n\n\n<p>L\u2019inconvenient de la designaci\u00f3 gen\u00e8rica \u00e9s que pot generar ambig\u00fcitat si la situaci\u00f3 familiar \u00e9s complexa. En aquests casos, la designaci\u00f3 nominal \u2014ben actualitzada\u2014 sol ser m\u00e9s segura.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Quants_beneficiaris_pots_designar\"><\/span>Quants beneficiaris pots designar?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>En pots designar un o diversos simult\u00e0niament. El m\u00e9s habitual \u00e9s establir tamb\u00e9 <strong>beneficiaris substituts<\/strong>: persones que cobraran la indemnitzaci\u00f3 si el beneficiari principal ha mort o renuncia al seu dret.<\/p>\n\n\n\n<p><strong>Si designes diversos beneficiaris i no assignes percentatges, la indemnizaci\u00f3n es reparteix a parts iguals entre ells<\/strong>.<\/p>\n\n\n\n<p>Qu\u00e8 passa si no designes ning\u00fa? La indemnitzaci\u00f3 passa a formar part de la massa heredit\u00e0ria de l\u2019assegurat i es reparteix segons les regles de l\u2019her\u00e8ncia. Aix\u00f2 pot retardar el cobrament i generar costos addicionals, aix\u00ed que el m\u00e9s recomanable \u00e9s no deixar aquest camp en blanc.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Com_es_designa_o_es_canvia_el_beneficiari\"><\/span>Com es designa o es canvia el beneficiari?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>En contractar la p\u00f2lissa, <strong>la designaci\u00f3 del beneficiari es recull en el mateix contracte<\/strong>. Per\u00f2 <strong>no \u00e9s una decisi\u00f3 irreversible<\/strong>.<\/p>\n\n\n\n<p>Llevat que la designaci\u00f3 sigui irrevocable, una modalitat poc comuna que requereix el consentiment del beneficiari per modificar-se, <strong>pots canviar el beneficiari en qualsevol moment<\/strong>. Per fer-ho, n&#8217;hi ha prou amb comunicar-ho per escrit a l\u2019asseguradora o, en alguns casos, deixar-ho indicat en el testament.<\/p>\n\n\n\n<p>La recomanaci\u00f3 pr\u00e0ctica \u00e9s <strong>revisar la designaci\u00f3 cada vegada que canvi\u00ef alguna cosa important a la teva vida<\/strong>: un divorci, un nou matrimoni, el naixement d\u2019un fill, la defunci\u00f3 de qui tenies designat. Una p\u00f2lissa actualitzada evita situacions inc\u00f2modes o litigis entre familiars.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"880\" height=\"587\" src=\"https:\/\/www.mgc.es\/wp-content\/uploads\/2026\/05\/revision-cambio-seguro-vida-880x587.jpg\" alt=\"\" class=\"wp-image-38947\" srcset=\"https:\/\/www.mgc.es\/wp-content\/uploads\/2026\/05\/revision-cambio-seguro-vida-880x587.jpg 880w, https:\/\/www.mgc.es\/wp-content\/uploads\/2026\/05\/revision-cambio-seguro-vida-440x293.jpg 440w, https:\/\/www.mgc.es\/wp-content\/uploads\/2026\/05\/revision-cambio-seguro-vida-768x512.jpg 768w, https:\/\/www.mgc.es\/wp-content\/uploads\/2026\/05\/revision-cambio-seguro-vida.jpg 900w\" sizes=\"auto, (max-width: 880px) 100vw, 880px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Aspectes_fiscals_que_has_de_coneixer\"><\/span>Aspectes fiscals que has de con\u00e8ixer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Un dels aspectes que m\u00e9s sorpr\u00e8n els qui contracten una asseguran\u00e7a de vida per primera vegada: <strong>la indemnitzaci\u00f3 no forma part de l\u2019her\u00e8ncia<\/strong>. Va directament al beneficiari designat, al marge del testament i del proc\u00e9s successori.<\/p>\n\n\n\n<p>Aix\u00f2 t\u00e9 una implicaci\u00f3 fiscal important: <strong>el beneficiari tributa per l\u2019Impost de Successions i Donacions, no per l\u2019IRPF<\/strong>. La quantia exacta dep\u00e8n del parentiu amb l\u2019assegurat i de la comunitat aut\u00f2noma, ja que les reduccions i bonificacions varien molt d\u2019una a l\u2019altra.<\/p>\n\n\n\n<p>En general, les assegurances de vida ofereixen avantatges fiscals davant d\u2019altres instruments de transmissi\u00f3 de patrimoni, tot i que el detall concret dep\u00e8n de cada situaci\u00f3. Per optimitzar la designaci\u00f3 des del punt de vista fiscal, el m\u00e9s sensat \u00e9s consultar amb un assessor abans de prendre la decisi\u00f3.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Consells_per_triar_be_el_beneficiari_de_la_teva_asseguranca_de_vida\"><\/span>Consells per triar b\u00e9 el beneficiari de la teva asseguran\u00e7a de vida<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Algunes idees que poden ajudar-te a prendre una decisi\u00f3 m\u00e9s informada:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pensa en qui dependria econ\u00f2micament de tu si faltessis<\/strong>. Aquella persona \u00e9s, gaireb\u00e9 sempre, el punt de partida natural.<\/li>\n\n\n\n<li><strong>Designa beneficiaris substituts<\/strong>. Si el teu beneficiari principal mor abans que tu, necessites un pla B.<\/li>\n\n\n\n<li><strong>No deixis la designaci\u00f3 en blanc ni amb dades desactualitzades<\/strong>. Una p\u00f2lissa amb el nom d\u2019un exc\u00f2njuge o d\u2019alg\u00fa ja traspassat pot complicar molt el proc\u00e9s de cobrament.<\/li>\n\n\n\n<li><strong>Comunica-ho als teus beneficiaris<\/strong>. No estan obligats a acceptar, per\u00f2 saber que estan designats els permet actuar amb rapidesa quan arribi el moment.<\/li>\n\n\n\n<li><strong>Revisa la p\u00f2lissa davant canvis vitals importants<\/strong>: naixements, divorcis, defuncions, canvis en la teva situaci\u00f3 econ\u00f2mica o familiar.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Protegeix_els_qui_mes_mestimes_amb_una_asseguranca_de_vida_MGC\"><\/span>Protegeix els qui m\u00e9s mestimes amb una asseguran\u00e7a de vida MGC<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>MGC Mutua ofereix assegurances de vida pensades per adaptar-se a situacions personals diferents: <strong><a href=\"https:\/\/www.mgc.es\/ca\/vida\/vida-risc\/\">Vida Risc<\/a> i <a href=\"https:\/\/www.mgc.es\/ca\/vida\/vida-professional\/\">Vida Risc Professional<\/a><\/strong>. Com a m\u00fatua sense \u00e0nim de lucre, els beneficis es reinverteixen a millorar cobertures i serveis, no a pagar dividends a accionistes.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"L&#039;atenci\u00f3 de qualitat no es concentra, es comparteix\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/41buG6QbxhQ?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p>En contractar, pots indicar qui vols que sigui el teu beneficiari \u2014o beneficiaris\u2014 i amb quin percentatge. I si en algun moment necessites actualitzar aquesta informaci\u00f3, el proc\u00e9s \u00e9s senzill.<\/p>\n\n\n\n<p>Les cobertures exactes es defineixen en les condicions generals i particulars de cada p\u00f2lissa. Per a qualsevol dubte sobre el teu cas concret, l&#8217;equip d&#8217;Atenci\u00f3 al Mutualista pot orientar-te al 931 221 550.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Quan contractes una asseguran\u00e7a de vida, una de les decisions m\u00e9s importants no \u00e9s la cobertura ni la prima mensual: \u00e9s triar qui rebr\u00e0 la indemnitzaci\u00f3 si tu faltes. Aquella persona o persones \u00e9s el que en el m\u00f3n assegurador s&#8217;anomena beneficiari. I hi ha m\u00e9s llibertat de la que molta gent imagina per triar-lo. [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":38948,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[990,16],"tags":[],"class_list":["post-38949","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assegurances-i-la-mutua","category-assegurances"],"featured_image_src":"https:\/\/www.mgc.es\/wp-content\/uploads\/2026\/05\/beneficiario-seguro-vida.jpg","author_info":{"display_name":"Revista Inter\u00e8s Mutu","author_link":"https:\/\/www.mgc.es\/ca\/blog\/author\/interesmutu\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Beneficiari de l&#039;asseguran\u00e7a de vida: qui pots designar?<\/title>\n<meta name=\"description\" content=\"Descobreix qui pot ser el beneficiari de la teva asseguran\u00e7a de vida, com designar-lo i qu\u00e8 tenir en compte. 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