{"id":136573,"date":"2025-04-29T12:36:08","date_gmt":"2025-04-29T12:36:08","guid":{"rendered":"https:\/\/adamfayed.com\/?p=136573"},"modified":"2025-04-29T12:36:08","modified_gmt":"2025-04-29T12:36:08","slug":"are-you-underinsured","status":"publish","type":"post","link":"https:\/\/adamfayed.com\/es\/insurance\/are-you-underinsured\/","title":{"rendered":"\u00bfEst\u00e1 infraasegurado? Lagunas que pasan por alto los ricos"},"content":{"rendered":"<p>Many wealthy people unknowingly fall prey to underinsurance, leaving critical gaps in their coverage that can lead to significant financial risks. <\/p>\n\n\n\n<p>For high-net-worth individuals and global professionals, insurance isn\u2019t just about covering <a href=\"https:\/\/adamfayed.com\/es\/investment-options\/top-appreciating-assets-definition-list\/\">activos<\/a>\u2014it\u2019s about safeguarding your entire lifestyle.<\/p>\n\n\n\n<p>Are you underinsured?<\/p>\n\n\n\n<p>Si desea invertir como expatriado o particular con un elevado patrimonio neto, que es en lo que estoy especializado, puede enviarme un correo electr\u00f3nico (hello@adamfayed.com) o WhatsApp (+44-7393-450-837).<\/p>\n\n\n\n<p>Esto incluye si busca una segunda opini\u00f3n o inversiones alternativas.<\/p>\n\n\n\n<p>Algunos hechos podr\u00edan cambiar desde el momento de la redacci\u00f3n. Nada de lo aqu\u00ed escrito constituye asesoramiento financiero, jur\u00eddico, fiscal o de ning\u00fan tipo, ni una invitaci\u00f3n a invertir.<\/p>\n\n\n\n<p>In this article, we\u2019ll explore the definition of underinsurance and the five common underinsurance gaps that even the most well-prepared individuals often miss and provide insight on how to protect what truly matters.<\/p>\n\n\n\n<img decoding=\"async\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/CTA_5_final_-512x288.jpg\" usemap=\"#image-map\" alt=\"Discover How We Can Address Your Financial Pain Points\">\n\n<map name=\"image-map\">\n    <area href=\"https:\/\/adamfayed.com\/subscribe\/\" target=\"_blank\" alt=\"Subscribe Free\" title=\"Suscr\u00edbase gratis\" coords=\"72,217,198,252\" shape=\"rect\">\n    <area href=\"https:\/\/adamfayed.com\/contact\/\" target=\"_blank\" alt=\"Discover Now\" title=\"Desc\u00fabrelo ahora\" coords=\"303,217,429,252\" shape=\"rect\">\n<\/map>\n\n\n\n<div style=\"height:21px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What Is Underinsurance?<\/strong><\/h2>\n\n\n\n<p>At its simplest, underinsurance means having <a href=\"https:\/\/adamfayed.com\/es\/insurance\/\" data-type=\"link\" data-id=\"https:\/\/adamfayed.com\/insurance\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" data-schema-attribute=\"about mentions\">seguro<\/a> coverage that is insufficient to fully cover the value of the insured asset or risk.<\/p>\n\n\n\n<p>This could be due to outdated valuations, underestimated liabilities, or incomplete coverage. <\/p>\n\n\n\n<p>The risk may seem minor on paper until a claim is filed and the shortfall becomes glaringly clear.<\/p>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Partial Coverage vs. Policy Gaps in Underinsurance<\/h3>\n\n\n\n<p>Underinsurance can manifest in two main ways: a partial coverage and a policy gap.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/www.genre.com\/us\/knowledge\/publications\/2023\/november\/pmint23-3-en\" data-type=\"link\" data-id=\"https:\/\/www.genre.com\/us\/knowledge\/publications\/2023\/november\/pmint23-3-en\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" data-schema-attribute=\"about mentions\">Partial<\/a> Coverage<\/strong> happens when the sum insured is simply too low. For instance, if your property is valued at $20 million but insured for only $12 million, you\u2019re underinsured by 40%. In a total loss, you won&#8217;t be made whole.<\/li>\n\n\n\n<li><strong>Policy <a href=\"https:\/\/www.dicklawfirm.com\/blog\/2023\/august\/what-are-insurance-coverage-gaps-\/\" data-type=\"link\" data-id=\"https:\/\/www.dicklawfirm.com\/blog\/2023\/august\/what-are-insurance-coverage-gaps-\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-schema-attribute=\"about mentions\">Gaps<\/a>,<\/strong> on the other hand, refer to areas where you have no coverage at all, often because the risk wasn\u2019t anticipated or disclosed. Examples include cyber liability, global health emergencies, or lawsuits arising from international property holdings.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<div style=\"height:21px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What Is an Example of Underinsurance?<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.investopedia.com\/articles\/pf\/06\/insurancecontracts.asp#:~:text=Under%2Dinsurance:%20Often%2C%20in,it%20as%20much%20as%20possible.\" data-type=\"link\" data-id=\"https:\/\/www.investopedia.com\/articles\/pf\/06\/insurancecontracts.asp#:~:text=Under%2Dinsurance:%20Often%2C%20in,it%20as%20much%20as%20possible.\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" data-schema-attribute=\"about mentions\">Underinsurance <\/a>becomes most apparent when a claim is filed, only to discover that the payout falls significantly short of the actual loss.<\/p>\n\n\n\n<p>Here\u2019s a practical example that illustrates how this can happen, especially for high-net-worth individuals:<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<figure class=\"wp-block-image alignleft size-large is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"512\" height=\"384\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/04\/WHAT-IS-AN-EXAMPLE-OF-UNDERINSURANCE-512x384.jpg\" alt=\"are you underinsured? real estate \" class=\"wp-image-136587\" style=\"width:336px;height:auto\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/04\/WHAT-IS-AN-EXAMPLE-OF-UNDERINSURANCE-512x384.jpg 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/04\/WHAT-IS-AN-EXAMPLE-OF-UNDERINSURANCE-300x225.jpg 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/04\/WHAT-IS-AN-EXAMPLE-OF-UNDERINSURANCE-768x576.jpg 768w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/04\/WHAT-IS-AN-EXAMPLE-OF-UNDERINSURANCE-scaled.jpg 825w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure>\n<\/div>\n\n\n\n<p><strong>Real-World Example: Underinsured Property Loss<\/strong><\/p>\n\n\n\n<p>Imagine a luxury vacation villa originally insured six years ago for $4 million, based on market value at that time. <\/p>\n\n\n\n<p>Since then, the property\u2019s value has increased to $6.5 million due to renovations, rising real estate prices, and the inclusion of high-end furnishings. <\/p>\n\n\n\n<p>However, the insurance policy was never updated to reflect this appreciation.<\/p>\n\n\n\n<p>Now, suppose a fire causes $1 million in damages. <\/p>\n\n\n\n<p>Because the property was only insured for $4 million instead of its updated $6.5 million value, the insurance company applies what&#8217;s known as the \u201caverage clause\u201d. <\/p>\n\n\n\n<p>This clause reduces the payout proportionally based on the level of underinsurance.<\/p>\n<\/div>\n\n\n\n<p>Here\u2019s how the math might work with the underinsurance formula:<\/p>\n\n\n\n<p>Claim Payout = (Insured Amount \u00f7 Actual Value) \u00d7 Loss Incurred<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Insured amount:<\/strong> $4,000,000<\/li>\n\n\n\n<li><strong>Actual value:<\/strong> $6,500,000<\/li>\n\n\n\n<li><strong>Coverage ratio:<\/strong> 62% (4M \u00f7 6.5M)<\/li>\n\n\n\n<li><strong>Claim filed:<\/strong> $1,000,000<\/li>\n\n\n\n<li><strong>Payout after underinsurance adjustment:<\/strong> $615,385<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>That\u2019s a $384,615 shortfall, all because the policy wasn&#8217;t updated to reflect current asset values.<\/p>\n\n\n\n<p>This kind of loss can be even more severe for HNW individuals with rare or irreplaceable assets, where replacement costs far exceed standard coverage limits.<\/p>\n\n\n\n<img decoding=\"async\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/CTA_5_final_-512x288.jpg\" usemap=\"#image-map\" alt=\"Discover How We Can Address Your Financial Pain Points\">\n\n<map name=\"image-map\">\n    <area href=\"https:\/\/adamfayed.com\/subscribe\/\" target=\"_blank\" alt=\"Subscribe Free\" title=\"Suscr\u00edbase gratis\" coords=\"72,217,198,252\" shape=\"rect\">\n    <area href=\"https:\/\/adamfayed.com\/contact\/\" target=\"_blank\" alt=\"Discover Now\" title=\"Desc\u00fabrelo ahora\" coords=\"303,217,429,252\" shape=\"rect\">\n<\/map>\n\n\n\n<div style=\"height:21px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What Are The Causes of Underinsurance?<\/strong><\/h2>\n\n\n\n<p>Underinsurance doesn\u2019t happen overnight. <\/p>\n\n\n\n<p>For many high-net-worth individuals, it builds up quietly over time through assumptions, oversight, or outdated risk assessments. Below are some of the most common causes:<\/p>\n\n\n\n<div style=\"height:12px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Inaccurate or Outdated Valuations<\/h3>\n\n\n\n<p>Luxury properties, art collections, classic cars, or jewelry often increase in value, but insurance policies don\u2019t update themselves.<\/p>\n\n\n\n<p>If you haven&#8217;t re-evaluated your assets in the last 12 to 24 months, your current coverage may fall well below replacement or market value.<\/p>\n\n\n\n<div style=\"height:12px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Lifestyle Upgrades Without Policy Adjustments<\/h3>\n\n\n\n<p>From acquiring a new vacation home to hiring private staff or purchasing a yacht, lifestyle upgrades should trigger a <a class=\"wpil_keyword_link\" href=\"https:\/\/adamfayed.com\/es\/category\/review-articles\/\" title=\"revise\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"2018\">revise<\/a> of your insurance. <\/p>\n\n\n\n<p>Without adjusting your policy accordingly, you\u2019re likely underinsured\u2014often significantly.<\/p>\n\n\n\n<div style=\"height:12px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Complex, Cross-Border Asset Structures<\/h3>\n\n\n\n<p>For global citizens and expats, owning assets across multiple jurisdictions adds another layer of risk. <\/p>\n\n\n\n<p>A domestic policy might not fully (or legally) cover international holdings, especially in high-risk or geopolitically sensitive areas.<\/p>\n\n\n\n<div style=\"height:12px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Assuming One Policy Covers Everything<\/h3>\n\n\n\n<p>Comprehensive policies often sound reassuring, but many contain exclusions or limits that don\u2019t match the reality of a high-net-worth lifestyle.<\/p>\n\n\n\n<p>Whether it\u2019s cyber risk, employee liability, or natural disasters, relying on a &#8220;one-size-fits-all&#8221; policy can lead to significant gaps.<\/p>\n\n\n\n<div style=\"height:12px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Inflation and Construction Costs<\/h3>\n\n\n\n<p>Rising inflation and escalating construction costs can quickly outpace the values reflected in older insurance policies. <\/p>\n\n\n\n<p>For high-value real estate, this often means a multi-million-dollar shortfall in the event of a rebuild.<\/p>\n\n\n\n<div style=\"height:12px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Lack of Specialized Advice<\/h3>\n\n\n\n<p>Many mainstream insurance agents may not be equipped to assess the unique risk profiles of affluent clients. <\/p>\n\n\n\n<p>Without a trusted advisor who understands <a href=\"https:\/\/adamfayed.com\/es\/expat-financial-advisor\/expat-wealth-management\/\">conservaci\u00f3n del patrimonio<\/a>, policies are often structured too broadly or too narrowly\u2014both of which can result in underinsurance.<\/p>\n\n\n\n<div style=\"height:21px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\"><strong>Why Underinsurance Is a Hidden Risk<\/strong><\/h2>\n\n\n\n<p>Underinsurance often goes unnoticed until it\u2019s too late, and tracking replacement costs over time can be difficult, making it a hidden <a href=\"https:\/\/adamfayed.com\/es\/financial-planning\/basic-financial-terms-financial-planning-retirement-insurance\/\" data-type=\"link\" data-id=\"https:\/\/adamfayed.com\/financial-planning\/basic-financial-terms-financial-planning-retirement-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-schema-attribute=\"about mentions\">financiero<\/a> risk.<\/p>\n\n\n\n<p>Underinsurance isn\u2019t just about having less coverage than you need. It\u2019s about failing to match your insurance with your lifestyle, exposure, and evolving wealth profile.<\/p>\n\n\n\n<p>For HNWIs, this disconnect can quietly build into a serious financial vulnerability, only surfacing in moments of crisis.<\/p>\n\n\n\n<img decoding=\"async\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/CTA_5_final_-512x288.jpg\" usemap=\"#image-map\" alt=\"Discover How We Can Address Your Financial Pain Points\">\n\n<map name=\"image-map\">\n    <area href=\"https:\/\/adamfayed.com\/subscribe\/\" target=\"_blank\" alt=\"Subscribe Free\" title=\"Suscr\u00edbase gratis\" coords=\"72,217,198,252\" shape=\"rect\">\n    <area href=\"https:\/\/adamfayed.com\/contact\/\" target=\"_blank\" alt=\"Discover Now\" title=\"Desc\u00fabrelo ahora\" coords=\"303,217,429,252\" shape=\"rect\">\n<\/map>\n\n\n\n<div style=\"height:21px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How Do You Deal with Underinsurance?<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<figure class=\"wp-block-image alignright size-large is-resized\"><img decoding=\"async\" width=\"512\" height=\"342\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/04\/WHY-UNDERINSURANCE-IS-A-HIDDEN-RISK-512x342.jpg\" alt=\"\" class=\"wp-image-136584\" style=\"width:272px;height:auto\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/04\/WHY-UNDERINSURANCE-IS-A-HIDDEN-RISK-512x342.jpg 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/04\/WHY-UNDERINSURANCE-IS-A-HIDDEN-RISK-300x200.jpg 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/04\/WHY-UNDERINSURANCE-IS-A-HIDDEN-RISK-768x512.jpg 768w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/04\/WHY-UNDERINSURANCE-IS-A-HIDDEN-RISK-scaled.jpg 825w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure>\n\n\n\n<p>Dealing with underinsurance requires more than just increasing your policy limits. <\/p>\n\n\n\n<p>For high-net-worth individuals, the process should be deliberate, data-driven, and customized to your unique circumstances. <\/p>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Here&#8217;s a step-by-step approach:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Conduct a Comprehensive Insurance Audit<\/h3>\n\n\n\n<p>Start by reviewing all your existing insurance policies\u2014property, liability, health, travel, and asset-specific coverage. <\/p>\n\n\n\n<p>Look at both coverage limits and exclusions. Identify where the insured values may fall short of current market or replacement values.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Reassess Asset Valuations Regularly<\/h3>\n\n\n\n<p><a href=\"https:\/\/adamfayed.com\/es\/investment-options\/real-estate\/\">Luxury real estate<\/a>, art, collectibles, and even private vehicles should be professionally appraised every 1\u20132 years.<\/p>\n\n\n\n<p>Inflation, market shifts, and upgrades can significantly change the value of your holdings, and your policy should reflect those changes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Identify and Close High-Risk Gaps<\/h3>\n\n\n\n<p>Check for blind spots:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Are all your international assets covered?<\/li>\n\n\n\n<li>Do you have enough personal liability coverage for legal threats?<\/li>\n\n\n\n<li>Is your travel and health insurance sufficient for multiple countries?<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Once identified, these gaps can be closed with supplementary policies or riders.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Align Coverage with Lifestyle<\/h3>\n\n\n\n<p>Your coverage should evolve as your life does. Purchased a new property abroad? Added staff to your household? Expanded your investment portfolio? <\/p>\n\n\n\n<p>These are moments that call for immediate policy updates to avoid gaps in protection.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Work with the Right Advisors<\/h3>\n\n\n\n<p>Partner with a wealth-focused insurance advisor who understands the nuances of your asset class and lifestyle.<\/p>\n\n\n\n<p>They can help customize a layered insurance plan that\u2019s not only comprehensive but also cost-effective, balancing coverage with efficiency.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">6. Schedule Ongoing Reviews<\/h3>\n\n\n\n<p>Wealth isn\u2019t static; your insurance shouldn\u2019t be either.<\/p>\n\n\n\n<p>Make it a point to review your entire insurance portfolio annually, or whenever there\u2019s a significant life or financial change. <\/p>\n\n\n\n<p>Prevention is far cheaper than the cost of underinsured loss.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>\u00bfLe duele la indecisi\u00f3n financiera? <\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" width=\"512\" height=\"288\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-512x288.jpg\" alt=\"\" class=\"wp-image-117505\" style=\"width:683px;height:auto\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-512x288.jpg 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-300x169.jpg 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-768x432.jpg 768w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-scaled.jpg 825w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/es\/become-adams-client\/\">Convi\u00e9rtase en mi cliente<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/es\/good-match-quiz\/\" target=\"_blank\" rel=\"noreferrer noopener\">Realice el cuestionario de elegibilidad de clientes<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/es\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">P\u00f3ngase en contacto con<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Adam es un autor reconocido internacionalmente en temas financieros, con m\u00e1s de 830 millones de respuestas en Quora, un libro muy vendido en Amazon y colaborador de Forbes.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>Many wealthy people unknowingly fall prey to underinsurance, leaving critical gaps in their coverage that can lead to significant financial risks. For high-net-worth individuals and global professionals, insurance isn\u2019t just about covering assets\u2014it\u2019s about safeguarding your entire lifestyle. Are you underinsured? If you are looking to invest as an expat or high-net-worth individual, which is [&hellip;]<\/p>","protected":false},"author":60,"featured_media":139349,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10166176115445471_100883565069113":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","footnotes":""},"categories":[11799],"tags":[],"class_list":["post-136573","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance"],"_links":{"self":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/136573","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/users\/60"}],"replies":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/comments?post=136573"}],"version-history":[{"count":2,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/136573\/revisions"}],"predecessor-version":[{"id":143642,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/136573\/revisions\/143642"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/media\/139349"}],"wp:attachment":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/media?parent=136573"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/categories?post=136573"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/tags?post=136573"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}