Demotech, Inc. Ukuhlaziywa

Izilinganiso zeMali zeMandla

Wonke umntu kufuneka abe ne-inshorensi ukukhusela impahla, impilo, imoto kunye nokunye xa kwenzeka ilahleko. Kukho iinkampani ezininzi ze-inshorensi ezahlukileyo ukukhetha kuzo kodwa ungayifumana njani ukuba ufumana ixabiso elifanelekileyo kwi-inshorensi ? Inkonzo ye-inshorensi inokukuxelela indlela enemali ngayo inkampani yomshuwalense nokuba ingaba yinto efanelekileyo kwiimfuno zakho ze-inshorensi. Enye inkampani enjalo ngu Demotech, Inc.

Imbali Yenkampani

I-Demotech, Inc. isekelwe e-Columbus, e-Ohio yaye yasungulwa ngo-1985 njengenkampani yokubonisana enika ubungqina bokuzinza kwezemali kunye neenkampani zomshuwalense. Ezi zilinganiso zancedisa abatyali-mali kunye nabathengi ukuba banqume ukuba i-solvency yenkampani ye-inshorensi isekelwe kwimilinganiselo emininzi yokuqulatha kubandakanywa nekharityhulam yenkampani kunye nezinye izibalo. Inkampani ikhethekileyo ekunikezeni izilinganiso kunye nohlalutyo lwezimali olunzulu lwee-insurers zengingqi kunye nezizodwa.

Demotech, Inc. igama elithembekileyo kwishishini lomshuwalense. Ngo-2007, i-Demotech, Inc. yabizwa ngokuba ngumlingani osesikweni ophando lwe-inshorensi ye-Intshupha Yomshuwalense, incwadana ehamba phambili ye-inshorensi. I-Demotech, Inc. inikeza iingxelo kwi-inshorensi yokusebenza komsebenzi kunye nemiphumo yemali kwimibutho yeendaba.

Le nkampani yayiyeyona ntlangano yokuqala yomshuwalense ukwenzela ukuba inkqubo yayo yokulinganisa iphindwe kwaye ivunyiwe yi-HUD, uFannie Mae , noFreddie Mac .

I-Demotech, Inc. inikezela ukulinganiswa kwemali kwiinkampani zomshuwalense yazo zonke ubukhulu.

Indlela i-Demotech, Inc Inc. Ukulinganiswa okumiselweyo

I-Demotech, Inc. iyazikhukhumeza ngokuthi "inqamle intsimi yokudlala" ngokubonelela ukuzinza kwemali kwiinkampani zomshuwalense yazo zonke ubukhulu. Ifilosofi yenkampani malunga nokuzinza kwezemali kukuba nabatshutshisi abancinci bangaba njengezinkophelo zemali njengeenkampani ezinkulu ze-inshorensi.

Inkqubo yayo yokulinganisa ihlukile kunezinye iinkampani zomshuwalense ezifana ne- AM Best , Fitch okanye i- Moody's . Ukuzinza kwezezimali akuqinisekanga ngosayizi kuphela kodwa nakwezinye izinto ezininzi. Ezinye zezinto ezisetyenziswe nguDemotech, Inc. ukucacisa ukulinganiswa kwemali kuqukwa:

• Iimpahla ezipheleleyo, amatyala, imali kunye neendleko
• Inkunzi yomsebenzi
• Indleko zo lawulo
• Imali engena emveni kotsalwa
• Ngaphezulu
• Iimali ezifumanekayo
• Inani lemali ebhaliweyo
• I shishini
• Imodeli yoshishino

Yintoni i-Demotech, Inc.

• A '' (i-Double Prime), engaphelelwanga : Kungakhathaliseki ubunzima bokuhla kwezomnotho okanye ukuphazamiseka komjikelezo womshuwalense, ikhulu leepesenti zabatshutshisi abafumana i-Financial Stability Rating® ye-A '' (i-double prime) kulindeleke ukuba ube ne-surplus enhle malunga nabaphathi-nkqubo njengenyanga ezilishumi elinesibhozo ukususela kumhla wokuqala wokunikezelwa kwesabelo.

• A '(A Prime), iinkampani ezingabandakanyiyo ze- inshurensi ezifumana i-"Prime Prime Unspassed" ukusuka ku-Demotech, Inc., kulindeleke ukuba zizinzile ngokwezimali kwaye zikwazi ukuhlawula zonke iimangalo zomgaqo-nkqubo ngaphandle kwemali yokuhla kwezemali okanye utshintsho kwi-marketplace market . Amaphesenti angamashumi asibhozo anesithoba eenkampani zomshuwalense kulindeleke ukuba agcine intsalela ethembekileyo kwiinyanga ezili-18 ukususela kumhla wokuqala wesabelo sokulinganisela.

• A, Iinkampani ze-inshurensi ezingabalulekanga ezifumana i-"A Exceptional" ukusuka kwi-Demotech, Inc. kulindeleke ukuba ibe nokuzinza ngokwezimali kwaye zikwazi ukuhlawula zonke iimangalo zomgaqo-nkqubo ngaphandle kokuhla kwezomnotho okanye utshintsho kwiindawo zokuthengisa. Amaphesenti angamashumi asixhenxe anesibhozo ale nkampani yomshuwalense kulindeleke ukuba agcine intsalela ethembekileyo kwiinyanga ezili-18 ukususela kumhla wokuqala wesabelo sokulinganisela.
• S, Iinkampani ezinobungqina bomshuwalense abafumana i-"S Okubalulekileyo" ukusuka kwi-Demotech, Inc. kulindeleke ukuba babe nokuzinza kwemali eyanamkelekileyo kwaye bakwazi ukuhlawula zonke izimangalo zomgaqo-nkqubo ngaphandle kokuhla kwezomnotho okanye utshintsho kwiindawo zentengiso ye-inshurensi. Amaphesenti angamashumi anesithoba anesithoba ale nkampani yomshuwalense kulindeleke ukuba agcine i-surplus ethe xaxa kwiinyanga ezili-18 ukususela kumhla wokuqala wesabelo sokulinganisela.

• M, iinkampani eziNkcenkceshe zeMishurensi ezifumana i-"M ephakathi" ukusuka ku-Demotech, Inc. kulindeleke ukuba zibe nokuzinza kwezemali ezizinzileyo kwaye zikwazi ukuhlawula zonke izimangalo zomgaqo-nkqubo ngaphandle kokuhla kwezomnotho okanye utshintsho kwiindawo zentengiso ye-inshurensi. Amaphesenti angama-90 ale nkampani yomshuwalense kulindeleke ukuba agcine i-surplus ethe xaxa kwiinyanga ezili-18 ukususela kumhla wokuqala wexabiso lokunikezelwa.
• L, iinkampani zeeNkampani ze- Inqwerensi ezinelayisenisi "Ilayisenisi" elayisenisiweyo zigunyaziwe zikarhulumente. Ezi nkampani zifikeleleke kodwa azizange zinikezwe elinye leemali ezilinganiselwe apha ngasentla.
• I-NR, Ingabalwa Ngama-inshurensi ane-"NR" isilinganiselwa asizange ivalwe nguDemootech, Inc.
• I-N / A, Ineligible Ukuba inkampani yomshuwalense inikwa i-"N / A Ineligible", ayikwazi ukulinganiswa ngenxa yedatha engaphelelanga yezemali.

Ngaphantsi

Ukuba ufuna ukukhangela ukungabikho kokubaluleka kokubakho kwemali yenkampani yakho yinshuwalense kunye nendlela enokuyenza ngayo kwixesha elizayo, unokufuna ukuzama iinkonzo zeDemotech, Inc. I-Demotech, Inc. ibonise ukukwazi kwayo ukubonelela ukulinganiswa kwamandla okuthembeka okuthembekileyo. Inkampani yomshuwalense ukususela ngo-1985. Inkqubo yenkampani kukuthatha iinjongo ezijongene nenkampani yomshuwalense esekelwe ngaphezu kobukhulu bayo. I-Demotech ithatha indlela ekhethekileyo yokubonelela ngeendlela ezingabonakaliyo zezimali zemali yabatshutshisi kwimibutho yeendaba kunye nabathengi. Ukuze ufunde kabanzi malunga nokulinganiswa kwemali ye-Demotech, Inc., tyelela i-Demotech, Inc. Iwebhusayithi, imeyile info@demotech.com okanye ufonele 1.800.354.7207.