I-80% Yenza ixabiso leThutyhulo yoBomi kwixesha elide
I-inshorensi yeeNkcazo yoBomi ichazwe
I-inshorensi yobomi besikhokelo yomshuwalense wexeshana womshuwalense ohlinzeka ngomshuwalense wobomi kwizinga elimisiweyo malunga nobude besikhathi. Imigaqo eqhelekileyo yobomi beminyaka eli-5, 10, okanye iminyaka engama-20, nangona ezinye iinketho zinokwenzeka. Sekude ixesha elide, ixabiso elinokuba libiza kakhulu kuba umgaqo-nkqubo ungaba ngowamaxesha amaninzi, ngoko ke umngcipheko wabasetyhini abafa ngexesha lexesha uya kwanda.
I-inshorensi yobomi besikhokelo kuphela inikeza inzuzo yokufa kwaye ayinayo ixabiso lemali.
I-inshorensi yezobomi ithatha ingqalelo kwiminyaka ngexesha lokuthenga umgaqo-nkqubo, ngoko ke mncinci xa uthengula ubomi beminyaka, kuya kuba kubiza.
Kutheni i-Term Life Insurance Incinci?
I-inshorensi yobomi besikhokelo yinto ephantsi kakhulu yomshuwalense wobomi kunye nokukhetha okulungileyo xa uhlahlo lwabiwo-mali ngenxa yesikhashana kwaye uhlawulela inzuzo yokufa kwabazuzi bemigaqo-nkqubo ukuba umntu oshishino uyafa ngelixesha elide lomgaqo-nkqubo.
Umngcipheko ungaphantsi kwe- inshorensi yonke yobomi okanye imigaqo-nkqubo yobomi bendawo yonke , ngoko ke i-inshurensi yomshuwalense yinto yokuncinci kakhulu kwi-insurance product line line. Ngokungafani nobomi obupheleleyo kunye nemveliso yobomi bendalo, akukho mali enemali kumgaqo-nkqubo, ngoko iipresimenti zenzelwe i-inshorensi yokufa kwe-inshorensi yomhlala-phantsi, egcina ixabiso liphantsi. Ubomi besikhotyana ayikho into ekhethiweyo ejongene nezinto ezisisiseko: ukubonelela ngemali kubaxhomekeke bakho xa usweleka ngokukhawuleza.
Ininzi abantu bayibheka njengento ekhethileyo yomshuwalense wobomi.
I-inshorensi yeeNkcazo zoBomi ingaba nexabiso elingakumbi kunokuba ucinge
NgokweSifundo se-Insurance Barometer sika-2015, iipesenti ezingama-80 zabathengi zihlawula ixabiso lempilo yomshuwalense wexesha elide. Ii-Millennials zigqithise iindleko nge-213%, kwaye iGen X ihlawule iindleko ngama-119%.
Yintoni eyenzekayo emva kokuba i-Intanethi yoBomi iphela?
Xa ixesha lexesha lomgaqo-nkqubo liphelile, awukwazi ukuthenga umgaqo-nkqubo we-inshorensi entsha yexesha eliphantsi kwizinga eliphantsi owawuqhele ngalo kuba umgaqo-nkqubo omtsha wawuza kusekelwe kwiminyaka yakho. Umdala u-inshorensi yobomi ebiza kakhulu.
Ukuba uyagula kwaye i-inshorensi yakho yomshuwalense wexesha iphela unokuba neengxaki zokufumana umgaqo-nkqubo we-inshorensi entsha.
Ukuze ugweme iingxaki, qwalasela ingcamango yokongeza ukwamkelwa kwenkqubo yomshuwalense wexesha elide elikuvumela ukuba uyiguqule kwimigaqo yokuphila yonke ekupheleni kwekota, okanye ufumane umgaqo-nkqubo ovuselelekayo. Umcebisi wakho we-inshorensi yomhlalaphantsi kufuneka ahlaziye okukhethwa kukho nawe.
I-inshorensi yeeNkcazo zeeNkcazo eziThuthiweyo kunye neNguqulelo
I- inshurensi yegama elihlaziyiweyo kunye ne- convertible ingakunceda ukuba ugweme ukuzifumana kwisikhundla apho ungaqiniseki okanye ungenakunceda. Umzekelo, ukuba ufuna i-inshorensi yobomi bomshuwalense wexesha eliphantsi eliphantsi kwexesha eli-10 kwaye ekupheleni kwekota ungathanda "ukuguqula" kwinkqubo ye-inshorensi yobomi bexesha elide njengomgaqo-xabiso wemali-mali ngaphandle kokuthatha olunye uvavanyo lwezonyango , unokukhetha umgaqo-nkqubo we-inshorensi yomshuwalense wexesha elide.
I-inshorensi yeeNkcazo zeeNkcazo kunye nexesha elijongene neNkundla
Ukukhetha umgaqo-nkqubo we-inshorensi yobomi ovuselelekayo okanye oguqulwayo unokukhusela nawe kwixesha elichaphazelekayo kwi-inshorensi yobomi, okuvumela ukuhlawulwa kokufa kokuxhomekeka kunye nokwenyulwa ngexesha lovavanyo .
Ixesha lokukhuphisana lidla ngokuhlala iminyaka emibili ukususela kumhla womgaqo-nkqubo omtsha. Ukuba injongo yakho kukugcina i-inshorensi yobomi ngaphaya kwekota yokuqala, kufuneka ucele i-arhente malunga nale nto.
Ukuthatha isigqibo sokuba ngaba i-Term Life Policy Policy Yakho
I-inshorensi yobomi besikhombisi ayiyikwakha ixabiso lemali okanye inzuzo yerhafu njengomshuwalense wobomi bendalo okanye impilo yonke , kodwa inokuba yinto ekhethekileyo kumntu onqwenela i-inshorensi yomshuwalense, kodwa akakwazi ukufumana iiprayimari eziphezulu. Nantsi uluhlu lokutshekisha ukukunceda ukuba unqume ukuba umgaqo-nkqubo we-inshorensi yobomi bendleko ephantsi ulungile kuwe:
- Ukwabiwo-mali kwaye awukwazi ukufumana i-premium ephakamileyo.
- Usemncinci kwaye unempilo.
- Ukhangele i-inshorensi yobomi bomshuwalense elula, ngokuthe ngqo, ephantsi-mali ukuze ukhusele abaxhamli bakho.
- Uneminyaka ephakathi kwaye awudingi inshorensi yobomi bexesha elide, kodwa ufuna kuphela ukuthenga i-coverage ngenxa yesimo sexeshana okanye ukulungiselela ixesha elithile.
- Ufuna ukuncedisa i-inshorensi yobomi bakho ekhoyo kunye nomgaqo-nkqubo wesibini wexesha elincinane.
I-inshorensi yoNyaka yeNkxaso-mali yoNyaka ngokuNgezelelweyo kunye neNqanaba leNkxaso yeNqanaba leNkcazo yeNkxaso-mali
Unokuba neentlobo ezimbini ezahlukeneyo ze-inshorensi yobomi beminyaka:
- I-Atshorensi yoNyaka yoNyaka ehlaziyiweyo yoNyaka i-inshurensi inika inshorensi yobomi besikhokelo seminyaka ngonyaka kwaye iphinda iphinde ivuselelwe ngonyaka. I-premium iphakama njengoko uneminyaka yobudala, ngoko ukuthenga umgaqo-nkqubo wonyaka wokuhlaziywa akusiyo ukhetho abantu abaninzi abahamba nabo. Xa ucinga nge-inshorensi yobomi, ngokuqhelekileyo unokucinga ngaphezu konyaka omnye ngexesha. Umgaqo onjengeli qho uza kusetyenziswa njengenxalenye yesicwangciso esipheleleyo.
- Inqanaba leNkcazo ye-Life Premium inikeza umnini-nkqubo ithuba lokunciphisa iindleko ezingagqibekanga malunga nobude bexesha elide. I-premium yonyaka oyihlawulayo ayiqinisekanga ukuba ingayitshintshi ngexesha lexesha lakho lemigaqo-nkqubo, ingaba uneminyaka emi-5, i-10, -20 okanye i-30 kwiminyaka. Ngomgaqo-nkqubo we-premium ye-term premium yomgaqo-nkqubo womshuwalense uvalela kwisantya kwaye awuyi kuba neyantloni okanye ulungelelanise utshintsho ngelixa umgaqo-nkqubo usasebenza.
Ukuthetha Nomntu Womshuwalense Wakho Ngomgaqo-nkqubo we-Inshorensi yoBomi
Nanini na xa ukhangela ukuthenga umgaqo-nkqubo we-inshorensi qinisekisa kwaye uvumele i-agent ukuba yazi kakuhle into ozama ukuyifeza, kwaye apho uhlala khona ebomini. Ubomshuwarensi bomiyingxenye yocwangciso lwemali kwaye ngcono ummeleli wakho uyaqonda indlela yokuphila yangoku kunye neenjongo zexesha elide, bhetele ingcebiso abanokukunika yona. Ukuba ungaziva ukhululekile nommeleli wakho, fumana omnye umntu oziva ukhululekile naye.
Ngaba ufuna ukwakha ixabiso lentengo kwaye unokufumana isigxina sobomi bonke? Jonga yonke inshorensi yobomi: I- Whole Life Insurance Policy Choices