Ubunini bomshuwalense okhubaze ixesha elide lukhusela umvuzo wakho kwaye lunceda unikezele intsapho yakho ixesha elide (elide kuneenyanga ezintandathu) kufuneka ukuba kwenzeke kwaye unokukhubazeka ngonaphakade.
Nkqubo weNtsholongwane yokukhubazeka
Inqubomgomo yomshuwalense kakhulu yokukhubazeka ifana kwaye ihluke kunye nomboneleli ngamnye. Kukho iintlobo ezibini zentsholongwane yokukhubazeka: Ukukhubazeka kwexesha elifutshane (STD) kunye nokukhubazeka kwexesha elide (LTD). Izicwangciso ezisisiseko kumgaqo-nkqubo we-inshorensi yokukhubazeka zi:
- Ixesha lokuqeda: Eli lixesha elifunekayo kufuneka ukhubaze phambi kokuba unako ukwenza ibango kwaye ufumane inzuzo yentlawulo. Esikhundleni sokuhlawula i-deductible njengoko unako nge-auto / home insurance, unesithuba sokulinda okanye sokuphelisa . Ixesha lokuphela liya kuhluka ngohlobo lomgaqo-nkqubo wokukhubazeka kunye nomniki-inshurensi.
- Iklasi yokuSebenza: Igumbi lomsebenzi lisetyenziswe ngabangaphantsi kwe-inshurensi ukuchonga i-premium yakho ye-inshorensi ngokusekelwe kumsebenzi wakho. Ezinye izinto zinomngcipheko omkhulu kunabanye kwaye zifuna i-premium yomshuwalense ophezulu. Inkokhelo esekelwe kwinqanaba lomsebenzi liya kuhluka kumboneleli.
- Iinkcazo zemigaqo-nkqubo : Iinkcazo zemigaqo-nkqubo zichaza imigaqo esetyenziswayo kumgaqo-nkqubo, abakhweli (ukuxhaswa okongeziweyo kwongezwe kumgaqo-nkqubo ngokugunyazwa kunye nentlawulo ye-premium), kunye nokwahlukana okukhubazekileyo okufana nokwenu (ukukwazi ukwenza imisebenzi yomsebenzi wakho) okanye nayiphi na imeko (akakwazi ukwenza imisebenzi yanoma yimuphi umsebenzi oqeqeshelwe ukwenza).
- Inani leNzuzo: Imali yenzuzo onelungelo lokufumana ukuba unayo ibango ipesenti ethile yemali yakho engenayo. Ngokuxhomekeke kwintetho yakho, inzuzo yokukhubazeka ingenakho irhafu.
- Ubude beNzuzo: Ixesha elinenzuzo elivumelekileyo lixesha lexesha onokulindela ukufumana iintlawulo ze-inshorensi yokukhubazeka. Oku kuya kuhluka ngohlobo lwakho lomgaqo-nkqubo. Ukukhubazeka kwexesha elide kunokuhlala ixesha lokuhlala umhlalaphantsi kunye nokukhubazeka kwexesha elifutshane lihlala ixesha elifutshane, ngokubanzi ukususela kwiinyanga ezimbalwa ukuya kwiminyaka embalwa.
- Abagibeli bePolisi: Umkhweli womgaqo-nkqubo unobungqina obufakwe kwi-premium eyongezelelweyo. Abanye abagadi bemigaqo-nkqubo yokukhubazeka abaqhelekileyo baquka i-Inflation Guard (ikhusela izibonelelo zakho ngokuchasene nokunyuka kwamaxabiso), iNental Nervous (unokunciphisa i-premium yakho ngokunciphisa amabango ngengxaki yesifo / yengqondo); Ingozi yeRick Medical Rider (idibanisa ukuhlawula iindleko zonyango ezibangelwa yengozi). Kukho ezininzi iindidi zabathengi abaza kuhluka ngohlobo lomgaqo-nkqubo wokukhubazeka onayo kunye nomnikezeli wakho womshuwalense.
Abakhubazekileyo Abanini-Nkonzo
Akukho mntu ukulindele ukuba afune i-inshorensi yokukhubazeka kodwa ukuba loo mini ifike, ihlawula ukwazi izinto ozikhethayo. Nazi ezinye zezona nkampani ezibhekiselele kwi-inshurensi yokukhubazeka kwimarike namhlanje.
Zonke ezi nkampani zinemilinganiselo enamandla kakhulu yemali evela kwimibutho ye-inshorensi efana ne- AM Best .
Iqela eliyiNtloko yezeMali liye lashishina ibhizinisi ukususela ngowe-1879 kwaye linamandla okulinganisa imali "I-A +" Iphakamileyo evela kwi-AM ephezulu i-AM inikezela i-inshorensi yokukhubazeka kwixesha elide ukuya kuma-20,000 angama-20,000. Inzuzo efanelekileyo yokuhlala ihlawula ukulungiswa kwindawo yakho yokusebenzela ukukunceda ukuba ubuyele emsebenzini. Ukuhlawulwa ngokukhawuleza kufumaneka xa unesigulo sokugula. Ubunini-nshurensi yokukhubazeka kwexesha elifutshane lufumaneke kokubili ukukhubazeka. Zomibini iinkqubo ezifutshane kunye nexesha elide zifumaneka kumaqela abasebenzi. Umgaqo-nkqubo wabakhweli bafumaneka ngokukhawulelana nokubeleka, ukhuseleko lokusinda kunye nokukhubazeka okungekho emsebenzini.
2. I-Guardian Life yasungulwa ngowe-1860 kwaye ine-"A ++" Isilinganiselo esiphezulu kwi-AM Best kwaye inikezela ezine iintlobo ze-inshorensi yokukhubazeka.
Inketho ye- Provider Plus inikezela ngomshuwalense wokhubazeko lwangexesha elide kunye nencazelo "ye-occ" yeyona nto yokukhubazeka. Unokukhetha ixesha lokufumana inzuzo ye-2, yesi-5, okanye iminyaka eyi-10 ukuya kuma-65-67 ubudala ngokusekelwe kwiklasi lakho lomsebenzi. Umqhubi womntu okhuselweyo ngemboleko kunye nokukhubazeka ufumanekayo.
3. IHartford yasungulwa ngowe-1810 kwaye ivalwe "A" ngu-AM Best. Ubhujinama bokukhubazeka bufumaneka kubaqeshi kokubambisa i-inshorensi yokukhubazeka kwexesha elide kunye nexesha elifutshane. Ukukhubazeka kwexesha elide ngokucwangcisa izicwangciso zabaqeshi ezibonelela ngezixhobo zokuqeqeshelwa umsebenzi kunye nokuvuselelwa, kunye nenkxaso-mboleko yentsapho kunye nenzuzo yokuguqula indawo. Iintlawulo zenzalo zifumaneka kubasebenzi bexesha elizeleyo ababuyela emsebenzini. Ukufihla kwexesha elifutshane ukukhubazeka komqeshi kuhlawula iifizi ezifikelela kwii-2,000 zamawaka ngeveki kungekho zithintelo zeemeko zangaphambili. Abasebenzi abapheleleyo kunye nabasebenzi bexeshana banelungelo lokufikelela. Inkxaso ifumaneka kwiingxaki zomzwelo, zomthetho kunye nemali kunye neengcali zenkxaso enokukwazi ukulungisa unyango lwempilo kunye nemibuzo yebango. Inkxaso inikwa ngaphandle kweendleko ezongezelelweyo kumqeshwa okanye kumqeshi.
4. I-MetLife iyaziwa ngezicwangciso zayo ze-inshorensi yokukhubazeka kwaye ine-"A +" Isilinganiselo esiphezulu kwi-AM Best. Inika ezintathu izicwangciso ze-inshorensi yokukhubazeka: (1) I-MetLife Income Guard: Ikhetho lokukhetha abaphathi kunye nabaqeqeshi bezonyango abaneenzuzo ezizimeleyo. (2) I-OMNI Iimfuno: Inkcazo ekhuselekileyo yokukhusela ingeniso eyenziwa ngokwezifiso kwaye ilungele kubanikazi bezemigaqo kubhajethi. Le ngxelo ayifumaneki eCalifornia. (3) Umgcini we-Salaver-CA kuphela: Isicwangciso sabathengi kwi-CA kubaqeqeshi bezonyango nabaphathi. Umgaqo-nkqubo wabakhweli bafumaneka ukuongeza ukukhutshwa kwezibonelelo zokubanjwa esibhedlele ukuya kuma-$ 500 ngosuku; Ingozi I-Rider Expender Rider ihlawula i-$ 1,000- $ 5,000 kwiphina iindleko zonyango emva kwengozi, ukubuyiswa kweeRider Rider kuyindlela yokufumana i-premium engenakususwa kunye ne-Assurance Social Supplement Rider ihlawula izibonelelo ezongezelelweyo kumnini-mgaqo-nkqubo ongenakufaneleka kwimbuyekezo okanye abasebenzi .
5. Inkampani ye-Insured Life Insurance inikeza izicwangciso ze-inshorensi ezikhubazekileyo kuzo zonke iinjongo (imigaqo-nkqubo yaseNew York ibhalwe phantsi yi-Assure Life Insurance Company yaseNew York). I nkampani ine "A ++" Isilinganiselo esiphezulu ukusuka ku-AM Best. Ubunjineli yokukhubazeka ngo-Assurity kuqinisekiswe ukuhlaziywa kuma-67 ubudala kunye neenzuzo zinikezelwa ngokukhubazeka okuyingxenye kunye nendawo. Ukunciphisa kunye nokufunyanwa kungafaka isicelo kwiinzuzo zomgaqo-nkqubo. Izicwangciso zokukhubazeka ziyafumaneka kwizicwangciso zomntu ngamnye kunye neqela. Ixesha loNcedo okanye i-1, 2, 5, okanye iminyaka eyi-10 ukuya kuma-65-67 kwaye iqinisekisiwe. Izinzuzo zokuguqulwa kwasekhaya, iinzuzo zokusindisa kunye neenzuzo zokuvuselela umsebenzi zakhiwe kumgaqo-nkqubo. Ukongezwa okongeziweyo kunokungeniswa ngumgibeli womgaqo-nkqubo wokunyuka kweenzuzo ngokuzenzekelayo, inzuzo yokukhubazeka, inzuzo yokuqinisekiswa nokuqinisekiswa kokugula okubalulekileyo.
6. I-Riversource sele iseshishini ukususela ngo-1894 kwaye ine-"+ +" ukuzinza kwezezimali kwi-AM Best. Izicwangciso ezimbini zokukhusela ingeniso zifumaneka kuMlambo, uMmandla woKhuseleko kunye neNkxaso yokuNikwa kweNgeniso . Zombini izicwangciso zinikezela ngenzuzo yenyanga yerhafu. Ubungqina buqinisekisiwe ukuya kuma-65 ubudala. Iindleko zomgibeli ohlala kuzo zongeza inqaku lokunceda ukukhusela ukunyuka kweendleko zokuphila.
7. Ukwabelana ngo-Omaha ngenye yamagama awaziwa kakhulu kwi-inshurensi. I nkampani "U-" + "Uphakamileyo ulinganiswe ngu-AM Best kwaye unikezela iinshurensi yokukhubazeka kwexesha elide kunye nexesha elifutshane. Umgaqo-nkqubo wexesha elifutshane ufumaneka iminyaka eyi-18-61 kunye ne-$ 5,000 yenzuzo epheleleyo ngenyanga kwaye iqinisekisiwe ngokuvuselelwa kwiminyaka yobudala engama-67. Umlinganiselo ufumaneke kwiiklasi ezininzi zomsebenzi kunye nomgibeli womgaqo-nkqubo unokuncediswa ukunweba inkcazo yomgaqo-nkqubo "we-occ" lakho ixesha. Ukukhubazeka kwexesha elide kufumaneka iminyaka eyi-18-61 kwaye iqinisekiswe ukuba ivuselelwe iminyaka yobudala engama-67 kunye ne-12,000 eyi-12,000 yenzuzo. Iinkcazelo zemihlomulo yomsebenzi zinganwetshwa ngumgibeli womgaqo-nkqubo.
8. I-Ameritas Inkampani ye-inshorensi ye-Life iye yoshishino ukususela ngo-1887 kwaye ine-"A" isilinganiselo esomeleleyo sezimali ukusuka ku-AM Best. Inkampani inikeza imigaqo-nkqubo yokukhubazeka kwexesha elide kunye nexesha elifutshane ngeenzuzo ezi-2, 5 okanye 10 iminyaka kwiminyaka eyi-67-70. Iipolisi ziqinisekisiwe zivuseleleke kwaye zinokufumana inzuzo enempilo eyakhelwe kwipolisi eyanciphisa ixesha lokuphelisa iintsuku ezimbini ngamnye ngonyaka unabango-mahhala. Ezinye iintlawulo ezakhiweyo zibandakanya, ukukhishwa kwe-premium kunye nokuvunywa kwebango, ukutsalwa kokutyalwa emva kweenyanga ezintandathu, ukukhubazeka kwezonyango (ukukhubazeka ngenxa yenkqubo ekhethiweyo) kunye nokubuyisela kwiiprayimari zonyango ze-COBRA xa ungekho msebenzi ngenxa yokukhubazeka. Abaqhubi bafumanekayo kwiindleko zokuphila, ukukhubazeka kwintlekele, ukhetho lokuza kusasa kunye nokukhubazeka okuphuculweyo xa usasebenza emsebenzini wakho kodwa unomvuzo wokunciphisa ngenxa yokulimala okanye ukugula.