Inkcazo yoMxhamli
Umxhamli uyithuba le-inshorensi yobomi okanye isivumelwano se-inshurensi yemali esichaza ukuba ngubani oza kufumana inzuzo xa kwenzeka ukuba aphelelwe ngumshwalense.
Umgaqo-nkqubo unokuba nomxhamli omnye. Umxhamli unokupheliswa okanye ungenakuguquka. Umxhamli oyintloko ngumntu oza kuqala ukufumana iinzuzo ze-inshorensi.
Ukuba umxhamli oyintloko ufile ke umxhamli oza kuzuza uya kufumana umgaqo-nkqubo we-inshorensi. Umxhamli oxhasiweyo udla ngezinye amaxesha kuthiwa ungumxhamli wesibini. Kubalulekile ukuqonda indima yomxhamli kwinkontila ye-inshorensi ukuqinisekisa ukuba kungakhathaliseki ukuba imeko yomntu ofanelekileyo iya kufumana inzuzo. Umxhamli ungabhekisela kumntu ofumana iingeniso kumgaqo-nkqubo we-inshorensi yempilo njengentlawulo yeenkonzo zonyango.
Indlela yokukhetha Umxhamli wakho
Ukukhetha umxhamli kwi-inshorensi yobomi bokuba ngumngeni njengoko kuqikelela ukuba luhlobo luni inshuwalense yokuthenga. Nangona ezinye iimeko zokubiza umxhamli zilula, kufuneka uqwalasele igama lomxhamli okanye umcebisi oyisibini kunye nokuphonononga ukhetho lwakho oluxhamliweyo kwixesha lobomi bakho njengoko imeko yakho itshintsha, okanye utshintshe i- inshorensi yobomi bomshuwalense .
Ngubani ofumana imali evela kwiNkcazo yakho yomshuwalense
Izinto ezintathu ezibaluleke kakhulu xa ubhalisela i-inshorensi yakho yobomi bomshuwalense mhlawumbi idlulisa uvavanyo lwezobisi zonyango yonyango , ukhethe inani lakho lokunika ingxelo, kwaye ukhetha umxhamli. Emva kwakho konke, umxhamli okanye abaxhamliweyo baya kuba ngaba (ngubani) abaya kufumana imali kumgaqo-nkqubo emva kokufa kwakho.
Uya kuba nethuba lokuchonga abaxhamli okanye abaxhamli njengenxalenye yephepha le-inshorensi yobomi bakho. Umxhamli kufuneka athathwe ngokucacileyo ngokunokwenzeka, esebenzisa igama elipheleleyo kwaye, ukuba kunokwenzeka, iinombolo zokhuseleko loluntu kunye nemihla yokuzalwa. Nika ulwazi oluninzi njengoko unako malunga nomxhamli wakho ukuze zifumaneke kwaye zichongwe ngokufanelekileyo ngexesha lokufa kwakho.
Ukubiza ngaphezu kweNye yoMhlomulo oPrayimari
Kunokwenzeka ukubiza ngaphezu komntu oyintloko oyiluncedo ngokunika ipesenti ye-inshorensi yobomi bembalwa phakathi kwabantu abambalwa kwisicelo sakho se-inshorensi yobomi.
Indlela yokukhetha umxhamli
Akukho mntu unokukwazi ukuba ngubani onokufumana umxhamli ngaphandle kwakho. Kufuneka uthathe izinto ezininzi, njengesizathu sokuba unomshuwalense wobomi kwaye ngubani oza kushiywa ngeendleko okanye ngubani oya kufuna ezininzi iinzuzo emva kokufa kwakho. Nazi ezinye izibonelo zokusebenzisa ezinye izicwangciso ekukhetheni umxhamli wakho kwiimeko ezahlukeneyo zobomi.
Ukuchithwa Umxhamli oyiNtloko kwiNtsholongwane Yakho Yobomi
UJohn uphinde watshata kunye neentsana ezimbini ezivela kumtshato wakhe wangaphambili. Unayo ikhaya nomfazi omtsha, kwaye nangona emthanda kakhulu, uyazi ukuba akayena mhle ekulawuleni imali.
Ukhathazeka ukuba ukuba uya kufa, ukuze abe nobunzima bokulawula iindleko zabantwana kunye nekhaya. Ufuna ukuqinisekisa ukuba unelungelo lokuphila kakuhle, kodwa ukuba abantwana baya kufumana isabelo sabo esifanelekileyo senzuzo ye-inshorensi yobomi.
Emva kokuxoxa ngolu hlobo kunye, bavuma ukusebenzisa isicwangciso esithile kwiinshorensi zakhe zobomi bomshuwalense. UJohn unquma ukushiya i-inshorensi yakhe ye-inshorensi ye-30 kuye njengomntu oyintloko ozuzayo kunye no-70% kubantwana. Oku kunika umfazi okwaneleyo ukugubungela zonke izindleko zendlu kunye nabantwana bakhe ngokwaneleyo kwimali yeekholeji.
Ukuqhawula umxhamli
UMariya ungatshatanga, unquma ukuthenga i- inshorensi yobomi bomshuwalense wendalo xa esemncinci ukukhuphula imali yakhe yokugcina imali kunye nentsholongwane engasisiswanga yomshuwalense, kunokulinda ade atshade nabantwana.
Nangona wayezibuza ukuba ufuna i-inshorensi yobomi , emva kokuba enze uphando, wabala ukuba ukuthenga kwangaphambili kuya kumvumela ukuba alondoloze imali ngokukhawuleza, ahlawule i- inshorensi yakhe yonke yempilo ngexesha eli-40 kunye nokulawula iindleko zakhe.
Unenkinga nangona kunjalo, akanalo nabathembeli kuye. Unquma ukubiza igama lonina ngesigamu se-inshorensi yobomi kunye nomhlobo wakhe omhle kwesinye isiqingatha. Yenza ukuba umzuzi aphepheke ukwenzela ukuba xa imeko yakhe iguquka ebomini, unokuhlala eguqula. Oku akusiyo imeko efana nokubiza umxhamli, ulwahlula umxhamli uvumela inzuzo ukuba yabelane phakathi kwabantu ababini.
Umxhamli ojongene nawo kwi-inshorensi yobomi
U-Elizabeth kunye noDoug batshata, bathenga i-inshorensi yobomi kuba bafuna ukukhusela xa kwenzeka nantoni na kubo, bayakwazi ukuba omnye uya kuhlala ekhuselwe. Bambizana njengabaxhamli kodwa baqonda ukuba nayiphi na indlela bahamba ngayo bebonke. Umcebisi wabo we-inshorensi yobomi ibonisa ukuba bakhetha abaxhamlileyo xa befa ngengozi kunye.
U-Elizabeth ukhetha udadewabo, noDoug ukhetha umntakwabo. Bawahlula ngokusemthethweni umxhamli ongezantsi ukuba banike i-50%, oku kuqinisekisa ukuba ngamnye uya kufumana isabelo esaneleyo sokufihla iindleko zomngcwabo ukuba kukho into enobungozi bokufa kwabo bobabili. Benza abaxhamli bahlaziyeke ukuze bakwazi ukulungelelanisa oku njengoko ixesha liqhubeka kwaye ubomi babo buguquka kodwa bakhululekile ngokwazi ukuba imali iya kuhamba apho bafuna khona xa kwenzeka ukufa kwabo emva koko.
Umxhamli osisigxina, oPhezulu loMfazi kunye nabantwana
UJim noTina baye bathetha ukuthenga i- inshorensi yobomi bomshuwalense wexesha lokukhusela intsapho yabo ngemali ukuba ayengenako ukwenza njalo. Ukuba uJim okanye uTina wafa, iqabane eliphilayo liza kuba ngumxhamli oyintloko. Ukuba bobabini noJim noTina bafa umntwana wabo omdala wayeza kufumana imali evela kwintlawulo yomshuwalense wobomi kuba umntwana wabo omdala ukhethwe nguJim noTina njengabaxhamli okanye abancedisayo.