Izinketho zomgaqo-nkqubo eziguquguqukayo ukulingana nebhajethi yakho
Zininzi izizathu ezifanelekileyo zokuthenga i-inshorensi yentsuku yentsholongwane. Ukuba ufuna ipolisi yecandelo elithile le-5, eli-10, eli-20 okanye ngaphezulu, i-inshorensi yempilo ikunika oku khetho. Iprogram yomshuwalense wee-inshorensi yobomi iphinda ifikeleleke ngaphezu kokuthenga i- inshorensi yonke yobomi ukuba unayo ibhajethi. Ezinye iinkqubo zomshuwalense wee-inshorensi zexesha elide nazo zinokukhetha ukuguqula umgaqo-nkqubo wobomi ekupheleni kwekota yomgaqo-nkqubo ukwenzela ukuba yinto emele ihlale ingqondweni.
Kungakhathaliseki isizathu sakho sokuthenga i-inshorensi yentsuku yomshuwalense, ufuna inkampani yomshuwalense yomshuwalense onokuyithemba ukuba ube khona xa uyifunayo ngokwenene. Ezinye izinto ekufuneka zijonge xa ucinga inkampani ye-inshorensi yentsuku-mali ibandakanya amandla omali, ukwaneliseka kwabaxhasi, iminikelo yomgaqo-nkqubo, ixabiso lentengo kunye nedumela lenkampani. Iinkampani ze-inshorensi zenkcubeko zilandelayo zifumana ukulinganiswa okuphakamileyo kwinqanaba elilodwa okanye ngaphezulu kwezi zigaba kwaye ziphakathi kwezinto ezikhethileyo kwiimarike.
01 Ixesha elide lokuPhila kweeNkqubo zokuThengisa: iFama yeSizwe
Ifama yeSizwe inokukhethwa kwenkcazo yemigca emininzi yokubhengezwa (abanikazi bezindlu, imoto, ubomi kunye nokunye), into ongayiboniyo kwiinkampani ezizodwa kwi-inshorensi yobomi. Oku kunokukufumana ithuba lokufumana izaphulelo zomshuwalense wobomi, ngokukodwa ukuba unomnye umgaqo-nkqubo kunye neFama kaRhulumente. Ngokuxhamla ubomi bundlu, impilo, abanikazi bezindlu kunye nokufihla imoto, ungagcina kakhulu kwi-premium yakho. Ukusuka kwii-rankings zika-2017 ze-Insure.com, ezi ziimpawu ze-Farm Farm (kwizinga eli-1 ukuya ku-100): 92.5 ukwaneliseka komxhasi jikelele; Ixabiso lentengo 93; inkonzo yomthengi 93; 87% iya kuncomeka. Ifama yeFama ifumene i-"A ++" ukulinganiswa kwamandla e-AM ukusuka ku-AM Best kunye no-4 kwinqanaba elingu-5 ukusuka kwiMicimbi yabathengi.
I-inshorensi yobomi besikhokelo ngokusebenzisa iFama yeFama ifumaneka ngokwe-10, 20 okanye iminyaka engama-30 ukuya kwi-250,000 yexabiso elijongene nalo. Iimali zenyanga zihlawulwa rhoqo ngenyanga okanye ngonyaka kwaye unokukhetha ukuqhubela phambili ukunika ingxelo ngokuhlaziywa kwakhona ukuya kuma-95 ubudala. Iimali zentlawulo zinokunyuka ngonyaka kodwa aziyi kudlulela i-premium ephezulu kwimigqaliselo yomgaqo-nkqubo. Inzuzo yokufa ingenanto yerhafu. Unako ukongeza ukugqithiswa okongeziweyo kunye nabagibeli kubanini benkxaso, obongezelelweyo abaqeshwe nge-insured kumgaqo-nkqubo kunye nokukhishwa kwe-premium rider ukuba ukhubazeka phambi kweminyaka engama-60.
02 Eyona ndlela ihamba phambili yeBomi yoLawulo lweMali: eNew York Life
Kutheni ucinga ukuba amandla eemali angaba yinto ebalulekileyo ekukhetheni inkampani yomshuwalense? Uqikelele! Yileyo nkampani yokukwazi ukuhlawula ibango. Kukho ingozi enkulu yokuba le nkampani iya kuvala umnyango wayo okanye ayikwazi ukuhlangabezana neemfanelo zayo zemali. Ukongezelela ekubeni neyona ndlela ephezulu yokumandla kwemali ye "A ++" esuka ku-AM Best, iNew York Life inikezela ngeendlela ezahlukeneyo zokuphila kwimizuzu emiselweyo kwiimfuno zakho ezikhethekileyo kunye neemeko zemali. Kwakhona kunemigaqo-nkqubo yexesha elifutshane (i-term policy yeeminyaka emihlanu). Intengo yayiyeyona ingqalelo enkulu (iipesenti ezingama-30 zabantu bakhetha le nkampani ngenxa yamanani). Ukongeza kwinshuwalense yobomi, Ubomi baseNew York bubonelela ngomshuwalense wexesha elide.
Ubomi baseNew York bubonelela nge-inshorensi yentsuku-bomi ngeendlela ezininzi ezinokuquka iinkqubo zexesha eliguquguqukayo ngonyaka, iiprayimenti zexesha eliguquguqukayo lexesha eliguquguqukayo kunye nabagibeli bezemigaqo abongezelelekileyo. Imigaqo yomgaqo-nkqubo iyafumaneka kwixesha eliphakathi kweminyaka eyi-10 ukuya kwe-20 kunye nezinketho ze-premium eziqinisekileyo ezifumanekayo kwixesha elide kwiminyaka engama-20. Imigaqo-nkqubo iphuculwe kwi-inshorensi yonke yobomi bomshuwalense ekupheleni kwekota. Kukho abaninzi abagijimi bepolisi abafumanekayo ukwenzela ukufaka ingxelo yokufa kwengozi, i-inshurensi yabantwana, ukunakekelwa okungapheliyo, ukukhutshwa kwe-premium yokukhubazeka, izibonelelo eziphilayo kunye nokunye.
03 Best Life Term for Abanikazi beMigaqo-nkqubo ngaphezulu kwama-50: iTransamerica
Into eyingqayizivele yokuthanda nge-insamerica yobomi bomshuwalense ngumgaqo-nkqubo wokuphila wexesha eliyiminyaka engama-30 "abaneminyaka engaphezu kwe-50" abanomgaqo-nkqubo ukuya kwi-58 ubudala. Ukususela kwi-2017 i-Insure.com i-Transamerica i-Transamerica ithole i-81.5 ngokubanzi ukwaneliseka kwabathengi kunye nama-83% wabanini-mithetho abaza kuncomela iTransamerica kwabanye. I-Transamerica ine-"A +" Isilinganiselo esiphezulu nge-AM Inkonzo ephezulu ye-inshorensi. Ihlinzeka ngemveliso yomshuwalense wendalo yonke, iguquguqukayo yendalo yonke kunye neeyure zentsholongwane yexesha elide kunye neemveliso zemivuzo eguquguqukayo kunye neengeniso.
I-insamerica yentsholongwane yentsholongwane yenziwa ngeemeko zomgaqo-nkqubo ukususela kwiminyaka eyi-10 kuya kwe-30 kwiminyaka emihlanu yokunyuka kwamaxabiso e-$ 25,000 ukuya kwi-2,000,000. Ezinye iinkqubo zifuna ukuhlolwa kwezonyango. Kukho iintlobo ezimbini zee-inshorensi zobomi bomshuwalense ezifumaneka kwi-Transamerica; I-Trendsetter Super Series (ukuya ku-$ 1,000,000 kwi-coverage nge-premium eqinisekisiwe eguqulwayo kumgaqo-nkqubo wobomi ekupheleni kwekota); kunye ne-Trendsetter LB (ukuya ku-$ 1,000,000 ngeenzuzo eziphilayo zokufumana inzuzo yokufa ngokukhawuleza kunye nesifo esifanelekileyo ngexesha usaphila).
I-Best Best Term Life kwiNkonzo yabathengi: i-AIG
Ukususela kwiingqinisiso ze-Insure.com zango-2017, i-AIG ihlaziya i-89.4 ngokwaneliseko lomxhasi. Kuthetha ukuthini ukuba phezulu kwinkonzo yabathengi? Kuthetha ukuba inkampani ayinelisekanga ngaphandle kokuba ukhona. I-AIG nayo ine-"A" yokulinganiswa kwemali kunye ne-AM Best kunye ne-4 kwi-5 yokulinganisa ngabathengi.
I-inshorensi yobomi besikhokelo nge-AIG inikezelwa ngokukhetha kwexesha eli-10,, 15-, 30 kunye neminyaka engama-35. Inkalo eyingqayizivele yomgaqo-nkqubo we-AIG-life-life yi-ROP ye-AG ye-Select-A-Term apho ufumana khona imali xa ufikelela ekupheleni kwekota yakho yepolisi ngaphandle kwebango. Imali iqinisekisiwe kwaye ibuye ihlawulwe irhafu.
I-Best Best Term Life yabaSebenzi beeNzuzo zoBuqeshi: Voya
IVoya sele ibe ngumniki-nshorensi ophezulu wezempilo. Iphumelele i-Akhethe ye-People's Choice Award No. 1 kwindawo ene-97.1 kwi-100 ekuqinisekiseni ukwaneliseka kwabaxhasi kwi-Insure.com. I-Voya ngu-AM Best "A" ilinganiswe ngamandla omali. UVoya wayebizwa ngokuba yi-ING US, Inc. Ukuphila kwakhe kwexesha kufumaneka kuphela ngeenkqubo zabaqeshi. Izicwangciso kunye nemigomo ziyahluka ngobuso.
I-Voya inikeza isaphulelo sokuhlawula rhoqo ngonyaka kwaye inemigangatho ye-10, 15 okanye iminyaka engama-20 ngexabiso elivela kwii-100 000 ukuya kwii-1 yezigidi. Kukho iinzuzo zokufa ngokukhawuleza kunye nokukhishwa kwe-premium rider ukuba ukhubazekile. I-Voya iyaziwa ngokubhekiselele kwimveliso ye-inshorensi yobomi bendalo yonke kodwa isenenkampani ehloniphekileyo enexabiso eliphezulu. Ukuba umqeshi wakho unomgaqo-nkqubo wokuphila wexesha elixhaswa ngeVoya, kuyindlela enhle ukuyiqwalasela.
06 Eyona ndlela iVeki yoBomi beThuba lokuTshintshela kwiCwangciso soBomi bonke: iNyakatho-ntshona
Isizathu sokuthiwa ngeNyakatho yeMntla-ntshona yeMthamo njengombono ogqwesileyo wexesha lokuphila ukuguqula kwisicwangciso sophelo sonke isithuba sokuhlawula isabelo. Abantu abasemntla-ntshona-ntshona bemi-inshorensi yobomi bomsinxuwa bangalindela ukufumana ngaphezu kwe-5.3 yezigidigidi kwiintlawulo ze-dividend ngo-2018 ngokwemeli yabameli bayo. Njengenkampani ehlanganyeneyo, iNtshonawestern Mutual ilawulwa ngabanini-nkqubo bayo kunye neengxenye zentlawulo kunye nabanini-mithetho ngeentlawulo zerhafu. I-Northwestern Mutual nayo yafumana i-89.3 kwi-100 ngokubanzi ukwaneliseka kwabaxhasi kwi-2017 i-Insure.com izilinganiso. I-Northwestern Mutual ine-"A ++" isilinganiselo semali esisuka kwi-AM Best.
Iimigaqo-nkqubo zexesha eli-4 zifumaneka kwiMntla-ntshona-Mbambano, kuquka iNqanaba le-20 (i-premium yenqanaba leminyaka engama-20); Ixesha leNqanaba le-10 (kwixesha elide leminyaka eli-10; Ithenda 80 (Lo ngumgaqo-nkqubo ovuselelwe ngonyaka kunye neerhafu ezingaqinisekisiwe unyaka nonyaka.) Nangona kunjalo, lo mgaqo-nkqubo uqinisekisiwe ukuvuselelwa kwi-80 ubudala.) Ithenda 10 (ukuhlaziywa rhoqo ngonyaka Emva kweminyaka engama-10, emva kweminyaka engama-10, kuya kufuneka uthenge umgaqo-nkqubo omtsha wokugcina i-coverage).
07 Eyona ndlela ihamba phambili kwiXesha leNkcazo ekuNelisekeni kwabaThengi: John Hancock
UJohan Hancock wayengumntu owaziwayo waseRamerican Revolution kunye nokuphefumlelwa kwegama lenkampani. Inkampani yasungulwa ngowe-1862 kwaye ikwase-Boston, eMassachusetts. Inkampani inamaphuzu aphezulu ekuneliseni ukwaneliseka kwamakhasimende ukusuka kwi-Insure.com yokulinganisa, ibeka amanqaku angama-90.4 kuma-100. UYohn Hancock uphinde wenza kakuhle kwiqela elinokukwazi ukufumana umgangatho ngamanani angama-88 kwixabiso lentengo.
Ubomi besikhathi seNtsholongwane ngoYohn Hancock unikezelwa ngokwemigaqo-nkqubo ye-10, 15, okanye iminyaka engama-20 kunye nexabiso elincinci le-100,000. Umgaqo-nkqubo we-premium uqinisekisiwe ukuba uhlale usezingeni (ungakhuphuki) kwixesha lomgaqo-nkqubo. Njengoko iqhelekileyo kwiinkampani zomshuwalense ezininzi, uJohn Hancock unikezela ithuba lokuguqula inkqubo ye-inshorensi yobomi kwinkqubo yomshuwalense wobomi ekupheleni kwekota yepolisi.
08 Eyona ndlela ihamba phambili yoBomi kwixabiso leMali: iMasMutual
I-MassMutual inegama elide elide njengenkampani ye-inshorensi yempilo kwaye ifumene amanqaku angama-91 kuma-100 ngexabiso kwixabiso le-Award's People's Choice Awards. I-MassMutual ine-"A ++" ukulinganiswa kwemali esuka ku-AM Best. Ngenxa yokuba i-insurer yomxhasi, abathengi banabani kwaye bafumana izabelo.
I-inshorensi yobomi besikhokelo ngokusebenzisa i-MassMutual ihlawula isibonelelo-mali esiphezulu esiluncedo nexabiso le-premium eqinisekisiwe kwisithuba esithile (ngokuqhelekileyo kwiminyaka eyi-10 okanye engama-20). Iiprayimari zandisa emva kolu xesha. Nge-MassMutual, unakho ukhetho lokuguqula umgaqo-nkqubo wokuphila kwinshuwalense yomshuwalense wobomi (owaziwa ngokuba ngumgaqo-inshorensi yobomi bomsigxina) ngaphandle kokuba ufumane nayiphi na imibuzo engaphezulu yempilo okanye iimviwo zomzimba. Ngokuguqulwa kwexesha lomgaqo-nkqubo wokuphila kwimigaqo yokuphila yonke ekupheleni kwekota, unokufumana inzuzo efana nenani lemali ye-inshorensi yobomi bomshuwalense.