I-inshorensi yobomi besikweletu: Indlela yokuqinisekisa ukuba iimali zakho zifa nawe

Ukulungiswa kokuLahlwa kweeTyala zakho kuyingxenye ebalulekileyo yoCwangciso lweZakhiwo

Ukucwangciswa kwezindlu kunokukunceda wenze isicwangciso esiphezulu sokuphatha iimali zakho ngexesha lokuphila kwakho, nangaphezulu. Inxalenye ebalulekileyo yolu cwangciso amaziko malunga noko kuya kwenzeka ntoni nawaphi na amatyala onokuhlawulwa emva kokuba udlule. Ukushiya abathandekayo bakho ukujongana nemali ebolekileyo yokuthenga imali, amakhadi ekweretheni, iimali-mboleko zabathengi okanye amanye amatyala angenza umthwalo wemali ongafanelekanga. I-inshorensi yempilo yesikweledu yenzelwe ukunceda ukunciphisa umthwalo, nangona kungenakulungelelaniso isicwangciso ngasinye sempahla.

I-inshorensi yobomi bentengo ichazwe

I-inshorensi yobomi bentengo yinshurensi ejoliswe ekuhlawuleleni amatyala abolekayo ekufeni kwabo. Yintoni ebeka le migaqo ngaphandle kwe-inshorensi yobomi bendinshorensi yendlela yokufumana inzuzo yokufa. Ngomgaqo-nkqubo womshuwalense wobomi rhoqo, inzuzo yokufa isetyenziswe ngexesha lokuthenga umgaqo-nkqubo. Ngokomzekelo, ungathenga i-$ 100,000, i-$ 500,000 okanye i-$ 1 yezigidi kwi-coverage. Ngomshuwalense wentsholongwane yemboleko, ubaluleka buso bomgaqo-nkqubo buhambelana nenani lemali-mboleko eyenzelwe ukuhlawula. Ixabiso lomgaqo-nkqubo lingahle linciphise ixesha elide njengoko imali yokubolekwa kwemali mboleko iyancipha.

Imigaqo-nkqubo ye-inshorensi yempilo yesikweletu ixhomekeke kwimali-mboleko enkulu. Ukuba uthabatha imali yokuthenga indlu, umzekelo, unokufumana izibonelelo ezingenakunyanzelwa kwiinkqubo zempilo yengxowa. Kuyafana ukuba uthabatha imboleko enkulu yemoto. Uphando olukhawulezayo lwe-intanethi lungaba ngumgcini-bhanksi othengisa ii-policy life life.

Ezinye iinkampani zinokunikezela ngokukhawuleza ngekhadi lekredithi kodwa oku akuqhelekanga. Ngokuphindaphindiweyo, iinkampani zekhadi lesikredenti zinokunika iinkqubo ezithintela iintlawulo zakho malunga nexesha elifutshane ukuba ukhubaze okwesikhashana okanye ungasebenzi.

I-Insurance Life Pros

Inzuzo ecacileyo kakhulu yokuthenga i-inshorensi yempilo yesikweledu kukuba kuthatha uxanduva lokuhlawulwa kwemali yakho okanye ezinye iimali ezivela kumahlombe akho othandekayo xa udlula.

Oku kunokuba luleke ngakumbi xa ubelana ngetyala, njengemboleko yemali, kunye neqabane lakho okanye omnye umntu. Ababoleki abadibeneyo ngokuqhelekileyo kufuneka bahlawule imali-mboleko okanye amanye amatyala xa umntu obolekisana naye efa kodwa umgaqo-nkqubo we-inshorensi yobomi bentengo uya kuhlawula ityala kubo.

I-inshorensi yempilo yesikweletu ingaba lula ukufumana ilungelo lomshuwalense wobomi bendabuko. Ngokomzekelo, iinkampani ezininzi ze-inshorensi zifuna ukuba uphumelele kwi- screening yezempilo ukuze ufanele ufumane i-inshorensi yobomi okanye isigxina. Ukuba unempilo embi, usenokujamelana ne-premium ephezulu yokukhawuleza, okanye uphikisiwe ngokupheleleyo. Nangona impilo ingasacinga ingqalelo, imigaqo-nkqubo yempilo yengxowa isinezikhokelo ezincinci zokuvunywa.

I-Credit Life Cons

Enye yeengxabano ezinkulu kwi-inshorensi yempilo yesikweletu kukuba ayenzi nto into yokuba umgaqo-nkqubo womshuwalense wobomi bendabuko awukwazi. Ukuba unomgaqo-nkqubo wokuphila wexesha , umzekelo, lakho iqabane lingasetyenziswa ngokukhawuleza ukuba lihlawule imali yakho yokuboleka okanye ezinye iimali.

Inyaniso yokuba umgaqo-nkqubo we-inshorensi yomshuwalense wokulahlekelwa yintengo ngenye indlela enokwenzeka. Ukuba uthabatha imali engama-250,000 wemali kwaye ufanele u-$ 125,000 xa usweleka, umgaqo-nkqubo uza kuhlawula ngokwaneleyo ukukhupha umboleko.

Ukuba unayo imali eyi-125,000 yokuthenga imali kunye ne-250,000 ye-inshorensi yobomi bomshuwalense, lakho iqabane lingasebenzisa umahluko wokuhlawula iindleko zokungcwaba, ubeke eceleni imali kwimfundo yabantwana bakho okanye uhlawule iindleko zokuphila kwansuku zonke.

Iindleko enye ingqalelo nge-inshorensi yobomi bentengo. Isixa oza kuhlawula umrhumo kuxhomekeke kuhlobo lwekhredithi ehlanganiswe, imali ehlawulwe kunye nomgaqo-nkqubo. Indlela ohlawula ngayo iiprayimari kubalulekile. Ukuba unesithuba sokuqala se-premium, umzekelo, i-premium ingakhiwa kwi-mortgage yakho ngokuzenzekelayo. Oku kunokunyusa iindleko ezipheleleyo zokuthenga ikhaya kuba liyakwandisa inani lemali-mboleko kunye neziphumo ekuhlawuleleni ngaphezulu inzala ngaphezu kwexesha.

Umgaqo-nkqubo obeka iiprayimari zenyanga zingaphaya kwamanani-mali kodwa ubukhulu bemicimbi yomgaqo-nkqubo. Kwaye kunokuba nemida malunga nokuba ubuninzi bexabiso lokubolekwa ngetyala lugqitywa ngumgaqo-nkqubo we-credit.

Ukuba unemali enkulu yokuthenga imali, umgaqo-mboleko wenkxaso-mboleko ungasifutshane. Akunako kuphela ukuthenga umgaqo-nkqubo wokuphila wexesha eliqhelekileyo ube neendleko ezininzi kodwa kungabonelela ngakumbi umvuzo wabaxhamli bakho kwixesha elide.

Ingaba Inkontileji Yobomi Besikweletu Inesicwangciso Sakho seMali?

Impendulo yalo mbuzo ixhomekeke kakhulu kwiimeko zakho zemali. Ukuba unempilweni engafanelekanga kwaye awukwazi ukufumana inkxaso ye-inshorensi yobomi bendabuko, umgaqo-nkqubo wokuphila ngetyala ungakhusela abathandekayo bakho ukuba bathabathe amatyala akho ngelo xesha. Ngakolunye uhlangothi, ukuba unempilweni kwaye unako ukufumana ithuba lokufumana i-premium ephantsi, u-inshorensi yomshuwalense ingaba yinto engcono.

Njengoko naluphi na uhlobo lwe-inshorensi yobomi, kubalulekile ukuvavanya iindleko, ukubhalwa kunye nokuba ingaba ziphi na izigqibo ezifakiwe. Kufuneka ujonge kwakhona ukuba iiprami zihlawulwa njani kwaye umde kangakanani umgaqo-nkqubo ukusibekela. Inkonzo yomshuwalense wenkcitho inokukhusela abaxhamli bakho kwaye ubagcine ekusebenziseni ezinye iimpahla kwiindawo zakho ukuhlawula amatyala kodwa i-inshorensi yobomi ingafezekisa injongo enye. Ukuqwalasela amacandelo omabini omnxeba kubaluleke kakhulu ekufakeni isicwangciso sakho sempahla.