Ndiyakongeza i-Annuity Rider On Policy Policy?
Umgibeli uncedo oluqhotyoshelweyo onokuyongeza kwiinkqubo zemali ezixhaswayo ezixazulula imfuno ethile njengemali engenayo, ilifa okanye iimfuno zononophelo. Abaqhankqalazi kufuneka bakhethwe ngexesha lokufaka isicelo, kwaye abanakongezwa kumgaqo-nkqubo emva kokukhishwa kwenyanga.
Ubabala njani i-Annuity Riders, kwaye baSebenza njani?
Abaninzi bemali yokufumana imali kunye nabagibeli beenzuzo zokufa banikeza inani lokukhula lonyaka eliqinisekileyo elingasetyenziselwa kuphela loo mfuno ethile. Ngokomzekelo, umgibeli ongeniso mali anganikela isixa sokukhula sikontraka esingama-6% ngonyaka ngokukhawuleza ukuba udelela okanye ixesha elithile. Ixabiso le-6% lokukhula lingasetyenziselwa ingeniso kuphela, kwaye ipesenteji ephezulu iqokelela ngokukhawuleza xa uvula umvuzo wokufumana imali. Awukwazi ukudlulisela inani okanye ukukhupha intshisekelo ye-6% njengokuba unakho ngeCD, kodwa ungayisebenzisa loo mali ngeniso.
Abaqhankqalazi bahluke ngokubaluleka kwiikontraka zemali esetyenziselwa ukufumana amanqanaba okuhlawula. Ngokomzekelo, ukuba umkhweli wembuyekezo unamathele kwi-annuity echasiweyo, isitatimende sakho somgaqo-nkqubo siya kubonisa ukubaluleka (utyalo-mali), inani lokunikezela, kunye nexabiso lomkhweli. Zonke izibalo ezintathu zihlukile.
Udinga ukuthenga ngokuzenzekelayo ukuba ubone iinqwelo zokufumana umvuzo
Kubalulekile ukwazi ukuba bonke abagibeli abafanayo. Zihlukile kumphathi ngamnye okhuphayo, kwaye ngamanye amaxesha ezikhethekileyo kwimveliso ethile. Umkhweli ongeniso kunye nenkampani enye yokuhlawula i-annuity inokuba yinto ehluke kakhulu kumntu okhwela imali evela kwenkampani ekhuphisanayo.
Kubalulekile ukuqonda iziqinisekiso kunye nezikhawulelo zomkhwele ngokupheleleyo, kwaye kufuneka uthengise abathwali abaninzi ukuba bafumane isiqinisekiso esingcono. Ngokomzekelo, ukukhwela umvuzo okanye ukunyuka kokunciphisa i-benefit rider kungaba ngumdla okanye umdla. Le nkcazelo encinci ingenza umehluko omkhulu.
Akunabo bonke abahlawuli bemali abafanayo
Kukho abagibeli bemali abanokufumana ingxaki yokufumana ingeniso yomvuzo. Isiqinisekiso sokufa kwabasemagunyeni isiqinisekiso sokukhula kwonyaka ongasetyenziselwa ukucwangciswa kwefa. Ukunyamekelwa kwangexesha elide okanye ukugcinwa kwabakhweli bezintambo kungabiniswa ukuze kuncediswe iindleko zolu hlobo lweendleko zonyango. Ngokuqhelekileyo, kukho imimiselo yemigangatho kwimvumelwano yenkxaso-mali yokufumana ezi ntlawulo. Ngokuqhelekileyo, ukuba awukwazi ukwenza imisebenzi emihla ngemihla yesi-6 (isambatho, zihlambe, zizondle ngokwakho, njl.), Ngoko uya kulungela ukufumana unonophelo lwexesha elide okanye inzuzo yokunyamekela.
Ziziphi iindleko zeRuuity Rider
Uninzi lwabagibeli banikela ngemali yonyaka yobomi bomgaqo-nkqubo. Le ntlawulo ichithwa ngokuxhomekeke ekuhlaleni (utyalo-mali) kwixabiso lomhla wokubanjelwa kwemvumelwano. Imali ayiyi kuphuma kwindleko yomkhweli, yenye yezona zibonelelo eziphambili zesicwangciso somkhweli.
Kubalulekile Ukuqonda I-Rider Rider YiNzuzo kodwa ayiyiyo Inzuzo Yokwenene
Ukukhula kongxowankulu kumntu ongenakukwazi ukujongwa njengesivuno. Akukho mveliso. Isivuno senyaniso sithetha ukuba ukukhula kweepesenti kufumaneka, kufana neCD okanye ukhonkco. Isivuno seRider sinokuphakama kakhulu kwaye phezu komhlaba sithandeka kakhulu, kodwa siqonde ukuba isetyenziswe kuphela kwisidingo esithengwa ngumkhwele. Awukwazi ukufikelela kumdla, uyifake imali, okanye udlulisele inani lokukhwela kwelinye imali.
Ngokwenene, umkhweli wenkxaso-mali ngumntu "ongu-monopoly money" ngaphandle kokuba isetyenziselwe umvuzo ochaziweyo.
Khumbula: Abagibeli beeNkcazo beza kwiiNinzi zeeNdawo, kunye nokuSombulula iimfuno ezithile
Ukusombulula ingeniso yokufumana ubomi, ifa ngokufumana inzuzo yokufa (ngaphandle kokubhalwa phantsi), kunye nenkathalo yesikhathi eside okanye ukunyamekelwa ngumbango zizathu zokuncedisa umqhubi wenkxaso yomgaqo-nkqubo wakho.