{"id":10496,"date":"2025-10-02T12:03:35","date_gmt":"2025-10-02T04:03:35","guid":{"rendered":"https:\/\/doolounge.com\/fyc\/"},"modified":"2025-10-02T12:03:35","modified_gmt":"2025-10-02T04:03:35","slug":"fyc","status":"publish","type":"post","link":"https:\/\/doolounge.com\/es\/fyc\/","title":{"rendered":"Algunos t\u00e9rminos sencillos en seguros"},"content":{"rendered":"

He descubierto que muchos de mis colegas del sector asegurador no entienden el significado de estas abreviaturas en ingl\u00e9s. Explicar\u00e9 brevemente los aspectos monetarios de las primas y comisiones para que todos lo entiendan mejor.

"FYC" es la abreviatura de First Year Commission, y su nombre completo en chino es "First Year Commission".

Se refiere a la comisi\u00f3n que un agente de seguros puede recibir en el primer a\u00f1o, la cual generalmente se calcula en base a un cierto porcentaje de la prima del primer a\u00f1o.<\/p>\n\n\n\n

<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

<\/p>\n\n\n\n

Para muchos agentes de seguros, la comisi\u00f3n del primer a\u00f1o es su fuente de ingresos m\u00e1s importante en el nuevo a\u00f1o.

La comisi\u00f3n del primer a\u00f1o normalmente no se paga en un solo pago, sino en cuotas, por ejemplo, la comisi\u00f3n se divide en varios a\u00f1os.

Cuanto mayor sea el componente de protecci\u00f3n del producto de seguro y m\u00e1s largo el per\u00edodo de pago, mayor ser\u00e1 la tasa de comisi\u00f3n.

FYP (Prima del primer a\u00f1o)

La prima del primer a\u00f1o es la prima total pagada por el cliente en el primer a\u00f1o.

FYB (Corretaje de primer a\u00f1o):

El pago que una compa\u00f1\u00eda de seguros realiza a un corredor de seguros se calcula en base al FYP multiplicado por una "tarifa de agencia" acordada.

RYC (Comisi\u00f3n de A\u00f1o Renovado)

La comisi\u00f3n por a\u00f1o de renovaci\u00f3n es la comisi\u00f3n que recibe el vendedor a partir del segundo a\u00f1o de p\u00f3liza, que suele ser de un importe inferior.

RYP (Prima de A\u00f1o Renovado)

La prima anual de renovaci\u00f3n se refiere a la prima que paga anualmente el cliente a partir del segundo a\u00f1o.

B\u00e1sicamente, como agente de seguros, si ni siquiera entiendes tu propio sistema de asignaci\u00f3n de comisiones, \u00a1mucho menos lo bueno que eres ayudando a los clientes a planificar sus problemas financieros!<\/p>","protected":false},"excerpt":{"rendered":"

"FYC" es la abreviatura de First Year Commission, y su nombre completo en chino es "First Year Commission".\u00a0<\/p>\n

Se refiere a la comisi\u00f3n que un agente de seguros puede recibir en el primer a\u00f1o, la cual generalmente se calcula en base a un cierto porcentaje de la prima del primer a\u00f1o.<\/p>","protected":false},"author":2,"featured_media":10495,"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":[1386,861,881,1258,784],"class_list":["post-10496","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","category-secret","category-money","tag-1386","tag-861","tag-881","tag-1258","tag-784"],"blocksy_meta":[],"featured_image_urls":{"full":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/10\/fb_img_17593777563173145510457930813571.jpg",2000,1125,false],"thumbnail":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/10\/fb_img_17593777563173145510457930813571-150x150.jpg",150,150,true],"medium":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/10\/fb_img_17593777563173145510457930813571-300x169.jpg",300,169,true],"medium_large":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/10\/fb_img_17593777563173145510457930813571-768x432.jpg",768,432,true],"large":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/10\/fb_img_17593777563173145510457930813571-1024x576.jpg",1024,576,true],"1536x1536":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/10\/fb_img_17593777563173145510457930813571-1536x864.jpg",1536,864,true],"2048x2048":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/10\/fb_img_17593777563173145510457930813571.jpg",2000,1125,false],"trp-custom-language-flag":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/10\/fb_img_17593777563173145510457930813571-18x10.jpg",18,10,true]},"post_excerpt_stackable":"

\u300cFYC\u300d\u662f First Year Commission \u7684\u7e2e\u5beb\uff0c\u4e2d\u6587\u5168\u540d\u70ba\u300c\u9996\u5e74\u5ea6\u4f63\u91d1\u300d\u3002\u00a0<\/p>\n

\u6307\u7684\u662f\u4fdd\u96aa\u696d\u52d9\u54e1\u5728\u7b2c\u4e00\u5e74\u6240\u80fd\u9818\u53d6\u7684\u4f63\u91d1\uff0c\u901a\u5e38\u662f\u6839\u64da\u7b2c\u4e00\u5e74\u5ea6\u4fdd\u8cbb\u7684\u4e00\u5b9a\u6bd4\u4f8b\u8a08\u7b97\u800c\u4f86\u3002<\/p>\n","category_list":"\u4fdd\u96aa<\/a>, \u6709\u9322\u4eba\u7684\u79d8\u5bc6<\/a>, \u8ca1\u7d93<\/a>","author_info":{"name":"\u9673\u6cd5","url":"https:\/\/doolounge.com\/es\/author\/doolounge\/"},"comments_num":"0 comentarios","jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/doolounge.com\/wp-content\/uploads\/2025\/10\/fb_img_17593777563173145510457930813571.jpg","jetpack-related-posts":[],"jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/doolounge.com\/es\/wp-json\/wp\/v2\/posts\/10496","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/doolounge.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/doolounge.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/doolounge.com\/es\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/doolounge.com\/es\/wp-json\/wp\/v2\/comments?post=10496"}],"version-history":[{"count":0,"href":"https:\/\/doolounge.com\/es\/wp-json\/wp\/v2\/posts\/10496\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/doolounge.com\/es\/wp-json\/wp\/v2\/media\/10495"}],"wp:attachment":[{"href":"https:\/\/doolounge.com\/es\/wp-json\/wp\/v2\/media?parent=10496"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/doolounge.com\/es\/wp-json\/wp\/v2\/categories?post=10496"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/doolounge.com\/es\/wp-json\/wp\/v2\/tags?post=10496"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}