Amashishini a-Inshshurensi anikezela ukuVunywa ngokuqinisekileyo

Ukuba Ukhohliwe Ubungqina Bomshuwalense Wobomi

Iinkampani ze-inshurensi zijonga izinto ezininzi xa zichonga ukuba unelungelo lokufumana ipolisi yomshuwalense wobomi. Ezinye izinto ezinjengeemeko zezempilo zangaphambili ziyakwenza ube ngumngcipheko omkhulu kwaye awunakulungelelaniswa nenkcazo yeenkampani zomshuwalense. Ngaphandle kweenkampani eziqhelekileyo eziza kukunika umgaqo-nkqubo ukuba uthathwa njengomfaki-sicelo ophezulu, iirhafu zakho zinokuphakama kakhulu kunezo zomshuwalense wobomi bomshuwalense.

Ungalilahli ithemba ukuba unqatshelwe i-inshorensi yobomi bendawo, kunokukho ukhetho olukhoyo ukunika wena kunye nosapho lwakho ukhuseleko lwemali olufunayo.

Izizathu onokuthi ulahlekelwe ngumyinge okanye uNgcipheko oPhezulu

Iinkampani ze-inshorensi zenkcubeko zihlala zikhanyela ukuhanjiswa kwabafakizicelo ngokusekelwe kwiinkqubo zempilo okanye kwezinye iimeko zokuphila Aba bafake izicelo bangavunyelwa ukukhutshwa ngethuba lokuqalisa inkqubo yokucoca xa bezalisa isicelo se-inshorensi yobomi. Nazi ezinye zezizathu ezinokwenzeka ukuba unqatshelwe i-inshorensi yobomi bomshuwalense:

• Utshaya okanye usebenzisa ezinye iimveliso zecuba, utywala kakubi okanye ezinye izinto ezilawulwayo.
• Unesigulo sokugula.
• Unayo nayiphi na imeko yezempilo elandelayo: isifo senhliziyo, ukukhuluphala, umhlaza, isifo sikashukela, isifo se-asthma, i-sclerosis ezininzi okanye ezinye izifo okanye izifo ezingapheliyo.
• Unobuncipheko obunobungozi obuphezulu njengokungena kwemithi, umlobi wolwandle obunzulu kunye nezinye izakhono ezinezibalo eziphezulu zokufa / ukulimala.

• Uzibandakanya kwizinto zokuzonwabisa ezinobungozi obuphezulu ezifana nokudilika kwezulu okanye ukuhamba nge-scuba.

Iinkampani zeInshshurensi ezinikela ngeeNkxaso zeNkcazo zempilo

Ukuba ukhangele ipolisi yomshuwalense wobomi bengozi okanye ukwamkelwa okuqinisekileyo (ngamanye amaxesha ubizwa ngokuthi yinkinga eqinisekisiwe) yomshuwalense wobomi le nkampani ziindawo eziphambili zokuqalisa uphando lwakho.

Iqela ngalinye linikeza iinketho ezahlukeneyo ezinokuthi zifane neemeko zemali ezizodwa wena kunye nosapho lwakho.

1. I-AIG : I-AIG ngqo inikezela ngengxaki eqinisekisiwe yinkampani yomshuwalense wobomi obonelela ngophando olungekho naluphi uphando lwezonyango kwaye akukho mbuzo wemibuzo yezempilo ekugqityiweyo. Olu hlobo lomgaqo-nkqubo lulungele abantu abafuna ukufumana inkxaso yokuhlawula iindleko ezongezelelweyo kuquka neendleko zonyango, iindleko zomngcwabo okanye ezinye izibophelelo zemali. Umgaqo-nkqubo uqinisekiswe ukuba ngabanye abantu abangama-50-85 angenakuqinisekiswa ngezinye izicwangciso ngenxa yemicimbi yezempilo. Unokufumana umgaqo-nkqubo ukuya kwii-25,000 zamawaka kwi-coverage equka ukugula okungapheliyo kunye nokugula kokuphela kwesifo. Iimali zenyanga ziqinisekisiwe ukuba zingenakwandiswa ngexesha lokuphila komgaqo-nkqubo.
2. IColonial Penn : I-Colonial Penn ipapasha i-inshorensi yobomi yokwamkelwa eqinisekisiwe eqala ngeerhafu ze-9.95 zamawaka ngenyanga. Ayikho imeko ekhoyo ngaphambi kokuba ikhona, akukho mfuneko yokuhlolwa kwezokwelapha kwaye akukho niselo yokunyuka ngenxa yesiphina isizathu. Lo mgaqo-nkqubo ufumaneke kubafaki-sicelo abaneminyaka engama-50 ukuya ku-85. Inani lemilinganiselo lifumaneka ukuya kuma-50,000. UColonial Penn useshishini iminyaka engaphezu kwama-50. Yinkampani encedisayo yeNkampani yezeMali ye-CNO. Inkampani ine-"A-" ukulinganiswa kwamandla emali kunye ne-AM Inkonzo enomgangatho ophezulu we-inshorensi enombono ozinzile.

1. I-Americo : Umgaqo-nkqubo waseMelika we-Ultra Protector III ngumgaqo-nkqubo oqinisekisiwe womshuwalense wenkxaso-mali onika ama-premium aphezulu kunye nemali ekhoyo evela kwi-$ 2,000 ukuya kwi-30,000. Kufumaneka kubantu abaneminyaka engama-50 ukuya kuma-80. Akukho xesha lokulinda lokufumana inzuzo yokufa ngokuzeleyo kwaye ufike kwi-50% yesibonelelo sokufa esipheleleyo iyafumaneka kulabo bafumene isigulo sokuphela. Kukho kwakhona iminyaka engama-3 yokuguqulwa komgaqo-nkqubo womgaqo-nkqubo oqinisekileyo kunye neendleko zokufumana ezifumaneka kwi-$ 2,000 ukuya kwi-10 000. Ngesicwangciso se-3 esicwangcisiweyo, unyaka uhlawula i-5%; Unyaka ombini uhlawula i-10%; kwaye unyaka ozayo uya kuhlawula inzuzo yokufa engama-75%. Inani elipheleleyo lokufumana umvuzo liyafumaneka xa ukufa kubangelwa ngengozi.
2. I-MetLife : I-MetLife inikezela ngokubakholiswa kwamaphepha-inshorensi yonke yobomi bomshuwalense wabantu abaneminyaka engama-50 ukuya ku-75. Ngalo mgaqo-nkqubo, awukwazi ukuphikiswa ukukhutshwa ngenxa yezizathu zempilo. Azikho iimviwo zonyango okanye imibuzo yezempilo ukugqiba. Umgaqo-mali ukhokhela inzuzo yokufa engaphelelwanga kwiminyaka emibili yokuqala.

1. I-Mutual ye-Omaha : Kukho imigaqo emithathu eyahlukeneyo yempilo ehlinzekwa ngo-Mutual of Omaha: Ukholo olupheleleyo oluQinisekisiweyo , Ubomi bonke obuqinisekisiwe kunye neNkcazo yoBomi bonke . Iiproyamu ziqinisekisiwe ukuba zingalokothi zandise kwaye yonke impilo eqinisekisiwe ipolisi echanekileyo inikezela ukuwamkelwa okuqinisekileyo iminyaka engama-45-85. Iinzuzo zifumaneka kwi-3,000 ukuya kwii-50,000 zama-$.
2. Ubomi beMakhaya baseManyeneyo : NgoBomi baseKhaya boBomi, izicwangciso ezintathu ezihlukeneyo ziyafumaneka ukukugubungela nangona imeko yakho yonyango kubandakanywa nabantu abaneemicimbi enzima yempilo okanye abo bacingelwa ukuba bangenakunceda ngabanye abathwali. Akukho mvavanyo yezokwelapha ezifunekayo.
3. Ubomi Bokwethembeka : Ubomi Bokuba Ubulungisa Bunikeza inkonzo yomshuwalense wobomi bemihlala-phantsi ebizwa ngokuba yiNqununu eQinisekileyo yokuQiniseka. Iimali zokufikelela ziyafumaneka ukuya kwii-20,000 zamawaka kubantu abaneminyaka engama-50-85. Akukho mfuneko yokuhlolwa kwempilo kwaye akukho phepha lemibuzo yezokwelapha elizalisekileyo. Lo mgaqo-nkqubo unexabiso lokuqokelela imali. Kwiminyaka emithathu yokuqala yomgaqo-nkqubo, kukho inzuzo yokunciphisa ukufa. Nangona kunjalo, ukuqala ngeminyaka emine, ukubonelelwa ngokugcwele kunikwa. Iintlawulo zeeNyanga zihlala zisezingeni lonke lobomi bomgaqo-nkqubo.
4. I-MassMutual : Inqubomgomo yomshuwalense wobomi bomshuwalense we-MassMutual inikezela ngokunika inkxaso ngokuqinisekileyo kulo lonke ubomi bomgaqo-nkqubo. I-premium yakho nayo iqinisekisiwe ukuba ayinakunyuka. Kukho inzuzo yokufa engancinci kwiminyaka emibili yokuqala yokunika ingxelo. Imilinganiselo yemali iyafumaneka kwi-$ 2,000 ukuya kwii-25,000 zamawaka eziqala ngeeprayimari eziphantsi nje nge-$ 10 ngenyanga. Umgaqo-nkqubo ufumaneke kubafaki-sicelo abaneminyaka yobudala engama-50 ukuya ku-75. Akukho mvavanyo yenyama okanye imibuzo yonyango iyadingeka. Inzuzo yokufa iqinisekisiwe ngobomi bomgaqo-nkqubo ngokukhawuleza ukuba ii-premiums zihlawulwe.
5. Inkampani yase-Vantis yeNkampani ye-inshorensi : Inkonzo yomshuwalense wobomi bonke eqinisekisiwe yi-Vantis Life Insurance Company ibizwa ngokuba yi-SBLI yobomi bemi-inshorensi yobomi. Kufumaneka kubantu abaneminyaka engama-50 ukuya kuma-80. Akukho mibuzo yezempilo okanye iimviwo zomzimba ezifunekayo. Imilinganiselo yePolisi ifumaneka kwi $ 5,000 ukuya kwii-20,000 zamawaka. Iimali zenyanga ziqinisekisiwe ukuba zingabi nanda. Ukufa ngokukhawuleza kufakwe kwimiba emibini yokuqala yokuqala yomgaqo-nkqubo kwaye emva kweminyaka emibini, ukubonelelwa ngokugcwele kunikwa.
6. I-Gerber : I-Gerber inomgaqo-nkqubo womshuwalense wobomi wokwamukelwa ngokuqinisekileyo kubantu abaneminyaka engama-50 ukuya kuma-80. Akukho mibuzo yempilo ebuzwayo kwaye akukho mfuneko yovavanyo oluyimfuneko. Imali yemali iyatholakala ukusuka kwixabiso le-5,000 ukuya kwi-25,000. I-Gerber iqinisekise ukuba umgaqo-nkqubo womshuwalense wobomi wenyango uyamkela ixabiso lemali eliya kukhula ngaphezu komgaqo-nkqubo

Ezinye iindlela kunye nokuqwalasela

Xa sicinga ezinye iindlela zokubambisa i- inshorensi yobomi bomshuwalense wokubamkela , i- inshurensi yokufa kunye ne-inshuwalense yomshuwalense (i-AD & D) yinto enye yokuqwalasela. Ngokufa kwengozi kunye ne-inshuwalense yokuqhaqhazela, abaxhamli bakho bahlawulelwa xa unobandezeleka ngokufa ngenye indlela yengozi. Nangona ungafanelanga umgaqo-nkqubo womshuwalense wobomi, unokufumana umgaqo-nkqubo wokufa kunye nokuqhawulwa komgaqo-nkqubo oza kunika ukhuseleko olongezelelweyo kuwe nakwintsapho yakho.

Ukuba ngokukodwa uxhaso lweendleko zokugqibela iintsapho zakho ziya kubakho emva kokufa kwakho, unokufuna ukucwangcisa icebo lokungcwaba . Esi sicwangciso esithengwa kwikhaya lokungcwaba. Unokucwangcisa amalungiselelo akho kunye nokuhlawulwa kwangaphambili kwenkonzo ngaphambi kokufa kwakho. Ngokwenza oku, uthintela abathandekayo bakho ukuba benze kwaye bakhokhele amalungiselelo akho okugqibela.

Nangona uxelelwe ukuba awuvumelekanga kwinkqubo yomshuwalense wobomi, kunokukhethwa kukho okukhethwa kukho. Yibonisana ne-inshenti yakho yomshuwalense ngaphambi kokuba wenze isigqibo sokugqibela ukubona ukuba yeyiphi indlela enokuyifumana ngayo wena nosapho lwakho. Ukuba uthatha isigqibo sokuthenga ipolisi yomshuwalense wenkxaso-nkqubo yempilo yomshuwalense, uya kufuna ukukhangela irekhodi lenkonzo yabathengi yenkampani yomshuwalense ngemibutho yabathengi njengeJD Power & Associates kunye nokulinganiswa kwamandla emali kwiinkampani ze-inshorensi ezifana ne- AM Best .