I-shishini lenkampani liye lafumana idumela elibi ngeendlela zokuthengisa ezingavumelekanga, kunye neemveliso ezinobunzima ezinjengeenkcukacha eziguquguqukayo kunye nezikhokelo. Ngethemba, oko kuya kutshintsha kwixesha elizayo, kwaye ndicinga ukuba kubalulekile ukuba le shishini libe libala kwaye libala malunga nendlela i-ejenti yokuthengisa ehlawulwa ngayo, kwaye zininzi kangakanani.
Iikhomishana zeAgu Agent zakhiwe kwiNkqubo
Yonke i-inshorensi yobomi kunye nemveliso ye-annuity, ikhomishini ehlawulwe kwi-arhente yokuthengisa iyakhiwe ngokwenene kumgaqo-nkqubo. Izibonelelo ezikhutshwayo zikhutshwe iinkampani zomshuwalense, ngoko ke ukuba ubeka i-$ 100,000 kwi-annuity, uza kubona i-$ 100,000 kwisitatimende sakho, kwaye i-$ 100,000 iya kusebenzela.
Kodwa masenze oku kucacile kunokwenzeka, i-ejenti iyahlawulwa. Ungavumeli ukuba bahambe kunye nemidlalo yegama eliyimfundiso ye-semantic ngokuthetha amagama anjalo anengqondo efana nokuthi "Andizange ndihlawule umrhumo." Oku kuhlaziyileyo, kwaye kwezinye iindidi zehlabathi, kuya kuthiwa lixoki.
Ulungelelaniso phakathi kweeNtlawulo zeKhomishoni eziPhakamileyo kunye neZindleko eziKhuzulu eziPhakamileyo
Umthetho olula wezithupha ukukhumbula ngokumalunga nee-commissions kukuba ixesha elide ukunikezelwa kweerhafu, eziphakamileyo iikhomishini zihlawulwa kwi-arhente. Umzekelo, i-annuity annuality nge-10-year-time payer pay pay is a higher commission ngaphezu kwe-indexed annuity kunye ne-5-year-pay fee.
Lo mgaqo usebenza kulo lonke ibhodi, kwaye ngokugqithiseleyo idibanisa ukuhlawulwa kweemali ezinjenge-variable, indexed, okanye fixed rate. Umvuzo owodwa ongasifakiyo kwi-Annuity (i-Long Rity Annuity-DIA). Kungakhathaliseki ukuba ukhetha ixesha elingakanani ukuchasisa ukuqala komrhumo wemali evela kwi-DIA, ikhomishini ehlawulwa kwi-ejenti iyafana.
Iimali ezihlawulelweyo zineeKomishoni eziNcinane eziThatywayo eziThatywayo okanye iiNyuxed Annuities
Olunye ulawulo lwesigwityi egcina inyaniso ngama-annuities kukuba yinkqubo eyinkqubo engaphezulu, ukuphakanyiswa kwekhomishini kwi-ejenti. I-Premium yodwa (Announcements Immediate Annuities) kunye ne-Annuities (i-DIAs) eThengiweyo yeeNgxowa-mali eziqhelekileyo kunye neentlawulo eziphantsi. Iimali eziHlangeneyo (i-VAs) kunye ne- Fixed Index Annuities (ii-FIAs) zinzima ukuyila kwaye zihlawula ikhomishini ephakamileyo.
Akumangalisi ukuba ngaphaya kwama-75% eentlawulo zemali ezigidi ezingama-200 + ezithengiswa minyaka yonke zinkqubo ephezulu ekhompyutheni eguqukayo kunye neenkokhelo ezihlawulisiweyo. Le nto ibuhlungu, kodwa ndivakalelwa kukuba kuya kubakho i-push by consumer to simplicity njengoko ifuna ukuqhubeka nokukhula kwindlela yokutshintshwa kweengcipheko eziqinisekisiweyo zengqesho.
Ukuhlawula iiKomishoni eziPhezulu zingaphinda Zenze Uzuze ukuthenga Ummeli wakho ngeCar
IKhomishoni yokuhlawulelwa kubaphathi kunye nabeluleki kuxhomekeke kwimimandla embalwa efana nendawo apho isebenzayo, kwaye ukuba umqeshi wabo uthatha ukutyunjwa kwekhomishini. Ngaphandle kokungena kwiinkcukacha zeebhonasi zenkampani, ukugqithisa, kunye nezinye iifom zemivuzo, makhe sihlasele iindawo zommishoni ezi-5 ezidumileyo.
Iimali eziguquguqukayo (ii-VAs) ZineeKomishoni ezincinci
Ixesha eliqhelekileyo lokunikezela ukuhlawulwa liyiminyaka eyi-5 ukuya kweyesi-9, ngoko amanqanaba eekomishoni eziqhelekileyo angaba ngama-4% ukuya ku-7%. Iintlawulo zixhomekeke kwi-carrier.
Ii-Annuities ze-Index (FiIAs) kunye nee-Commissions Steep
Nangona i-annuities ekhokhelweyo ifumaneka njengolufutshane nje ngexesha lokunikezela kwexesha eli-4, ininzi ye-FIA iya kuthengiswa ngeminyaka eyi-10 yokuhlawulwa. Masithi nje ukuba iikomishoni ziphakamileyo, nto ichaza ukuba kutheni zonke i-Agent Tom, uDick, kunye ne-Arhente zenzeke ukuba zikhokele ekuhambiseni i-pitch yazo ye-FIA ngonyaka we-10. Umnyaka we-10 we-FIA unomyalelo ovela kwi-6% ukuya ku-8%. Ezinye ze-FIA zineenkcukacha zokuhlawulwa kweminyaka eyi-15, ngoko unokucinga nje ukuba ziphakame kangakanani loo mishini.
IiNkcazo eziKhuselekileyo eziKodwa (ii-SPIA) ZineeKomishini eziphantsi
Le mikhiqizo engenayo imali engenayo ayikho into ehambayo kwaye ihlawule ikhomishini ephantsi kunazo zonke kwi-arhente.
Ngokuqhelekileyo, ii-commissions kwi-SPIA ziyahluka kwi-1% ukuya ku-3%.
Iimali eziLungeleleneyo (i-DIAs) ZineeKomishini eziphantsi
IziNxephezelo zeNgeniso eziThatywayo ziyi-strategies elula yokufumana ingeniso efana ne-SPIA kwisakhiwo. Iikomishoni kwi-DIA ububanzi ukusuka kwi-2% ukuya ku-4%.
Iimali eziNyunjiweyo zeMali (MYGAS) ZineeKomishini eziphantsi
Ezi zintlawulo zee-CD zinexabiso kwaye zizinikezele iirhafu eziqhelekileyo zibe zifutshane njengeminyaka emi-3 ukuya kwiminyaka eyi-10. Iikhomishini ziqala ukusuka kwi-1% ukuya kwi-3% ngokuxhomekeke kwikota yomgaqo-nkqubo.
Ngoko, ngelixa elizayo i-arhente yempesheni ithi ayayihlawulanga imali, bayeke phakathi kwesivakalisi baze babatshele ukuba bayeke ukudlala imidlalo. Izibonelelo zihlawula iikomishoni, kodwa kukuthengiswa kwempahla kuwe. Ezi ziyi nyaniso. Qinisekisa ukuba ufumana izibonelelo ezilungileyo kungakhathaliseki ukuba yintoni isakhiwo sekhomishini.