Iingxelo zeNgcaciso
Iimali-mali ze-annuity ziyimali oya kuhlawula kuyo. Ngenxa yokuba i-annuities iyinkontileka ye-inshorensi, basebenzisa igama lesi-inshorensi. Iintlawulo kwezinye iikontraki ze-inshurensi (ezifana ne-auto okanye inshuwalense yobomi, umzekelo) nazo zibizwa ngokuba yi-premiums.
Ngoxa iilwimi zingabangela ukudideka, ii-premiums annuity ziyi-akhawunti kuphela.
Izibonelelo zinkampani ye-inshorensi, ngoko ke naziphi na iziqinisekiso (njengengeniso yokuphila) aziqinisekisi karhulumente-zixho mekeke kwikhampani yomshuwalense ukuhlawula.
Indlela I-Annuity Premiums Work
I-premium ehlawulwa kwi-annuity nje ityalo-mali kwiimeko ezininzi.
Utyalo-mali lokuqala: Ukuqalisa isivumelwano, ungenza utyalo-mali ophambili kwimveliso. Umzekelo, unokufuna ukuthenga i-annuity nge $ 10,000. Ukwenza njalo, uza kugcwalisa isicelo sonyaka kwaye ubhale isheke nge $ 10,000. Leyo mali eyi-10 000 iya kuba yiphulamiyamu yakho yokuqala ehlawulwa kwisivumelwano somvuzo.
Iipresom eziqhubekayo: Unako ukwenza iintlawulo eziqhubekayo kwi-annuity (ukucinga isivumelwano sakho kunye nemithetho yentlawulo efanelekileyo ikuvumela ukuba wenze njalo). Ngokuxhomekeke kwinkampani yakho yomshuwalense, unokukwazi ukusetha ngokuzenzekelayo ukudluliselwa kwenyanga ngenyanga nge-ACH , okanye unokwenza nje ukubhala isheke okanye ucele ukutshintshwa kwe-elektroniki kwi-imfuno.
Isihlandlo esisodwa kuphela: Abanye abantu benza kuphela intlawulo ye-premium yokuhlawula imali-okanye enye imali-mali-kunye nenani lemali. Emva koko, bashiya nje loo ntlawulo-mali yokuqala kunye nokwenza i-annuity yenza into yayo iminyaka emininzi (okanye ngaphezulu). Kuhlala kubalulekile ukubheka utyalo-mali lwakho ngokuqhubekayo, kodwa akudingeki ukuba ungeze kwi-akhawunti ukuba awufuni.
Ukudluliselwa kwe-Akhawunti: Unokuxhaswa imali ngemali ngokudlulisela i-asethi evela kwenye i-akhawunti, nokuba ingaba yinkokhelo okanye olunye uhlobo lwe-akhawunti. Ukuba usuka kwi-annuity, hlawula ingqalelo kwimithetho ephathelele ukutshintshana okunjalo.
Amakhadi enkoleko: Ngokuqhelekileyo awukwazi ukwenza i-annuity idibanisa nekhadi lesikweletu. Unakho ukuhlawula i-inshurensi yemoto (okanye enye) iiprayimenti kwiiplastiki, kodwa i-annuities iyahluke ngenxa yokuba ukwenza utyalo-mali nge-premium nganye.
I-Dollar imida: Hlola ngekampani yakho yomshuwalense ukuba ubone ukuba kukho nayiphi na imilinganiselo emncinci okanye emininzi kwimigangatho yeeprimiyam. Ukuba i-annuity yakho ingumntu ngamnye we-akhawunti yomhlalaphantsi (IRA), khumbula umda we-IRS malunga nokuba unako ukunikela unyaka ngamnye.
Ukuzinikela kwexesha elide
Ngaphambi kokuba unikele ngemali kwi-annuity, qiniseka ukuba uyaqonda ukuba unokuthi uvale imali ukuba ide ixesha elide:
- Ukuba ukrazula loo mali phambi kokuba ixesha lokunikezela liphelile , unokufuneka uhlawule iintlawulo zerhafu kwinkampani yomshuwalense.
- Unokujamelana nemiphumo yerhafu ngokususa imali kwi-annuity, kubandakanywa irhafu yentlawulo kunye neerhafu zongezelelweyo.
Thelekisa i-Annuity Premiums kwiiNkcazo zeeNtshumo ze-Intshu
Ngamanye ama-annuities, akudingeki ukuba wenze rhoqo iintlawulo ze-premium njengawe-inshorensi yobomi okanye iinshurensi zomshuwalense.
Ngokuqinisekileyo, kufuneka uqinisekise ngokuchanekileyo into efunekayo kwiimeko ezithile kunye nekhontrakthi yakho-awufuni ukuyeka nayiphi na amalungelo okanye inzuzo! Kwakhona, xa unomdla wongeza, ngaphezulu uya kuba nexesha elizayo, ngoko kunokuba luncedo ukuzongeza nakweyiphi na imali esele ikhona (ukucinga ukuba inkontileka yesikhokelo yindawo efanelekileyo yalezo zongezelelo ezitsha, okufuneka uhlaziywe rhoqo). Ukuba udinga uncedo, xubusha iimfuno zakho kunye nezikhetho zakho kunye noCwangcisi wezeMali oqinisekisiweyo kunye neengcali zerhafu zendawo.
Buyela kwiShedyuli ze - Annuities Overview .