Ngaba lolu hlobo lomgaqo-nkqubo lufanelekile kuwe?
- inzuzo yokufa iya kuhlawulwa kumxhamli xa usweleka
- Ixabiso lemali eliqokelelwa kwixesha le-inshurensi elingasetyenziselwa ukulondoloza okanye ukuboleka xa ufuna imali xa usaphila
I-inshorensi yobomi bonke ikwaziwa nangokuthi "ubomi obuchanekileyo" kunye "ne-inshorensi yobomi bomsigxina."
Umgaqo-nkqubo wobomi uphephelela wena ubomi bakho bonke, kungekhona nje ixesha elithile (jonga inshorensi yobomi beminyaka ). Imigaqo-nkqubo ye-inshorensi yobomi iyasebenza iiprayimari ezihlawulwe kokubili ukonga okanye utyalo-mali kunye nenzuzo yomshuwalense wokufa kwinshurensi. Ubshuwarensi yobomi bonke bufana ne- inshorensi yobomi bendalo ehlala nayo yonke impilo yakho.
I-inshurensi yonke yobomi ixabisa njani ifaniswe nezinye iinshurensi yobomi?
Intshuwalense yobomi yonke iyabiza ngaphezu kwenye inshuwalense yezempilo kuba ayikho yinshuwalense yobomi kuphela. Xa uhlawula i-premiums yakho kumgaqo-nkqubo ubeka inxalenye yalo kwintengiso yomshuwalense, kodwa ke enye inxalenye yento ohlawulayo iya kwinxalenye yentyalo-mali. Ngokwemvelo, uya kuhlawula ngakumbi umgaqo-nkqubo wobomi kunye nokulondoloza imali-mali, kunokuba ungathanda ukuba uthathe i-inshorensi yobomi bomshuwalense wexesha. Umgaqo-nkqubo wakho womshuwalense we-inshorensi uya kuhlawula igalelo zentela, oku kukunika uguquko kunye nenzuzo ongenakuyibona nge-inshorensi yobomi besikhathi.
Abanye abantu bangakhetha ukusebenzisa eso sahlulo ukuze banikele inkokhelo kwi-premium okanye bathathe imali yokuhlawula kuyo.
Iikholeji ze-inshorensi yoBomi
Kukho iintlobo ezi-3 eziphambili ze-inshorensi yomntu wonke:
- I-inshorensi yoBomi boBomi
- Inomdla Ejongene Nenshorensi Yobomi Yonke
- I-Singe Premium inshorensi yobomi bonke
Umgaqo-nkqubo womshuwalense wobomi bendabuko uyinika inqanaba elincinci lokubuyisela inxalenye yakho yexabiso lemali.
Umgaqo-nkqubo womshuwalense wobomi obunomdla-nentsholongwane unika inqanaba elitshintshayo kwinxalenye yakho yexabiso lemali, efana nereyithi yokuguqula imali. Ngomshuwalense wobomi obunomdla-nentsholongwane, unokuba ne-flexibility xa uhamba ne-inshorensi yakho yobomi-inshorensi njengokwandisa inzuzo yakho yokufa ngaphandle kokuphakamisa ama-premiums akho kuxhomekeke kuqoqosho kunye nezinga lokubuyisela inxalenye yakho yexabiso lemali.
I-premium yodwa iyomntu ophethe imali eninzi kwaye angathanda ukuthenga ipolisi ngaphambili. Njengazo zonke iinkqubo zomshuwalense wobomi bomntu, i-insum-insum ye-insum ye-inshorensi yonyango yonke ixabisa ixabiso lemali kwaye inesitoreli esifanayo kwiholo.
Iindleko zomshuwalense woBomi obupheleleyo ngokubhekiselele kwiNkcitho yoNyaka ye-Intshumo yoBomi
Nangona bekungekho nxalenye yotyalo-mali, kufuneka uqaphele ukuba nge-inshorensi yomntu wonke, uthengisa umyalezo oza kugcina ubomi bakho bonke ngokuchasene ne- inshorensi yexesha elifutshane elijongene nobude bexesha, njengeminyaka eyi-10 okanye-20.
Ubshuwarensi yobomi beminyaka yonke ixabisa ama-5 ukuya kwe-10 isixa semali ehlawulwa i-inshorensi yobomi bomshuwalense, kodwa inexabiso lemali kwaye lihlala ubomi bakho bonke. Kufuneka ulinganise okukhethwa kukho.
Abasemagunyeni bomshuwalense banquma ukuba baya kuhlawulisa imigaqo-nkqubo ngokuhlalutya ingozi. Okuphakamileyo kwengozi, kubiza umgaqo-nkqubo. Yindlela yodwa yenkampani yomshuwalense ehlala inenzuzo. Ngoko ke, kukho ithuba eliphezulu kakhulu lokuba uya kufa ngexesha le-inshorensi yomntu wonke. Ngomshuwalense wentsholongwane yexesha elikhoyo kunomngcipheko omncinci kuba inkampani yomshuwalense ayiyi kuhlawulwa inzuzo yokufa ngexesha elifutshane lemigaqo-nkqubo. Ngoko xa i-premium yomshuwalense we-inshorensi yobomi iyabalwa, kubaluleke kakhulu ukujonga ukuhlawula imali yokuhlawula inzuzo ngexesha lokuphila kwakho.
Inzuzo yobomi bonke kukuba inzuzo yakho yokufa kunye ne-premium kwiimeko ezininzi ziya kuhlala zifana. Ubomshuwarensi bomi bobomi bakha ixabiso lentengo, okuyibuyisela kwinxalenye yeepriyamu zakho ukuba inkampani ye-inshorensi iyayifaka.
Ixabiso lakho lemali lihlawulwa irhafu de uze ulirhoxise kwaye unokuboleka kuyo.
5 Iinzuzo zeNkcazo yeNkcazo yoBomi bonke
- Ingxenye ye-premium imali iya kwixabiso lakho lemali
- Unokwazi ukusebenzisa inxalenye yolondolozo yomgaqo-nkqubo ekugqibeleni ukhokhe umgaqo wakho xa uqala kusasa
- I-premium yakho iya kuhlala ihleli ngexesha elifihliweyo ngaphandle kokuba ukhetha ngenye indlela.
- Ngaphandle kokuba wenze utshintsho kwi-inshorensi yakho yonke yobomi bomshuwalense, unomsebenzi wobomi obungapheliyo ngaphandle kweemviwo zonyango
- Ubomi obonke bubonelela ngamathuba okulondoloza irhafu ngelixa usaphila kunye nokulondolozwa kwentlawulo kwifa lakho
Ngaba kufuneka uthenge umgaqo-nkqubo womshuwalense wobomi?
Nangona ubomi obupheleleyo buvumela umgaqo-nkqubo ukuba aqokelele ubutyebi aze asebenzise lo ndolozo ngexesha lobomi babo, ngokubhekiselele ekutyalweni kwemali-mali, ubomi obusisigxina. Ngokuxhomekeke kwimisebenzi yemarike kunye nemeko yakho, unokuqwalasela ukuthenga ixesha elide ixesha lomshuwalense wentsholongwane kunye nomyinge wonyaka oqingqiweyo kwaye usebenze nomcebisi-mali-mali ukuba ufumene isicwangciso esilungileyo sendlela otyalole ngayo imali.
Ukwakha noKhusela ubutyebi ngeNtshuwalense Yonke Yobomi
Inqanaba lokubuyela kwi-inshorensi yonke yobomi bomshuwalense luphantsi kakhulu xa kuthelekiswa namanye amatyala, nangona imali yokulondoloza irhafu efunyenwe kuyo. Inkorensi yobomi ayifanele isetyenziswe kuphela njengethuluzi lokutyalomali kwaye kufuneka ugwebe ukhetho lwakho lwenkqubo ekukhuseleni kwaye kungekhona kuphela izinga lokubuyela. Imimiselo engezantsi yenza ifomu elifanelekileyo lokuqala lokuqonda xa ubomi obuphela busebenza kakuhle kwimeko yakho.
Imizekelo emi-5 xa umgaqo-nkqubo wobomi ube yinto enhle kuwe
Ubomi obunomdla obumnandi xa ukwenza inxalenye yesicwangciso sakho semali. Inxalenye ebalulekileyo yesicwangciso-mali nangona kuqonda ukuchaphazeleka kwemali nokwenza isicwangciso esiqilileyo esenza ingqiqo. Ukufumana iingcebiso zezimali eziqinileyo yinxalenye enkulu. Nazi imimiselo emihlanu xa umgaqo-nkqubo wobomi unokunceda njengenxalenye yesicwangciso sakho semali kunye nendlela yokwakha okanye ukukhusela ubutyebi.
- Ubomi bomshuwalense wobomi okanye ubomi obungunaphakade lukhetho olufanelekileyo ukuba usemncinci kwaye awunayo indlela yokugcina imali yakho kwaye ukhangele oku njengendlela yokugcinwa ngokunyanzeliswa. Akufuneki ukuba uthathe inxalenye yesininzi yomshuwalense wakho wobomi kwimigaqo yokuphila yonke. Unokuthatha ipesenti yezidingo zakho ezipheleleyo, okanye nje oko unokukwazi ukukwenza ngoku, kwaye uyisebenzise njengenxalenye yesicwangciso esipheleleyo sexesha elide lokuqinisekisa ukuba uhlala unomshuwalense omncinci wokuphila kunye nolondolozo oluthile, njengoko ukwakha indlela yokuphila. Ungasebenzisa isabelo sokulondoloza imali okanye ukuthenga ngemali kwixesha elizayo ukuba unomhla ufuna ukuthenga ikhaya okanye uqale intsapho. Unokongeza umgaqo-nkqubo wobomi kunye nobomi bexesha xa ufuna enye inshorensi yobomi, kwaye ufumane loo nxalenye ngexabiso eliphantsi.
- Ukuba unempilweni enhle kakhulu okanye uselula kodwa khathazeka ukuba njengoko ukhula ungagula, okanye unokuba neengxaki zokufumana inshorensi yobomi, ngoko ubomi obupheleleyo yindlela efanelekileyo yokugcina umgaqo-nkqubo oza kugcina ubomi bakho bonke. Khumbula, unako ukuthenga ubomi obungaphantsi ubomi obuncinane, kwaye uyongezelele ngokubomi bexesha elide ngexabiso eliphantsi.
- Ukuba ucebile kwaye unemali engaphezulu kunokuba uya kuyidinga, i-inshorensi yomhlala-wonke iyakuba yinzuzo kakhulu yokukhusela / utyalo imali ngenxa yeempembelelo ezingenanto zentlalo kunye nemigangatho eyakha ukonga. Kule meko, ubomi obupheleleyo bunokuba luncedo ngokucwangciswa kwezindlu.
- Ukuba ufuna ukushiya inzuzo enkulu yokufa kwifa lakho kwintsapho okanye omnye umntu xa usweleka, kungakhathaliseki ukuba uneminyaka yobudala, ubomi obuninzi buyindlela efanelekileyo yokuxhasa le nto. Umzekelo, ukuba ufuna ukushiya i-$ 500,000 kumntwana wakho xa usweleka ngenxa yokuba unemfuno ezizodwa kwaye uya kufuna le mali kungakhathaliseki ukuba uneminyaka engakanani, ubomi obusisigxina bunokukunceda ukuxhasa ngemali ngokufumana uxanduva lokufa, nokuba uyafa xa usuphele kakhulu. Kwimeko enjengale, kufuneka uqwalasela ngokwenene umgaqo-nkqubo wakho njengendlela yokuxhasa le mali yokufa ngenxa yelifa ngenxa yento oyenzayo.
Iinkampani ezahlukeneyo zomshuwalense zempilo zinikezela ngemigaqo-nkqubo yempilo ngamaxabiso ahlukeneyo
- Ukuba ujongene ne-agent ngubani onokukunika okukhethwa kukho kwiinkampani zomshuwalense yomshuwalense kufuneka ulithenge ngeenxa zonke ukufumana ezinye izicaphulo.
- Umthengisi angakwazi ukukunika iingcaphuno ezininzi ze-inshorensi yomntu wonke, ngeendlela ezahlukeneyo.
- Umcebisi wezemali unokuhlaziya imiba eyahlukileyo yecebo lakho lemali.
- Unokufumana izicaphuno kunye namaqela amaninzi ukufumana ingcamango yentengo. Akukho mgaqo-nkqubo we-inshorensi yomntu owodwa okukhethwa kuwo, kukho ezininzi. Ukwaziswa.
Umgca ophantsi kwinshorensi yonke yobomi
Iinshorensi yobomi bonke iya kunika inzuzo yokufa, iintlawulo zerhafu, kunye nexabiso lemali, kodwa kuya kubiza ixabiso elininzi ngaphezu kwexesha elincinci le-inshorensi yobomi obuncinci.
Intshuwalense yonke yobomi yintengiso yomshuwalense wokhuseleko olusisigxina kunabanye, inokubonelela ngenzuzo eqinisekileyo, i-premium kunye nokufa, ngoko uyazi ukuba ulindele ntoni.
Ubomi boBomi buyinto ebiza kakhulu kwi-inshorensi yobomi bomshuwalense kwaye inokuhlawula amaxesha ama-5 ukuya kwe-10 ngaphezu komgaqo-nkqubo wokuphila kunye neyona nto ingaphezulu komgaqo-nkqubo wobomi bendalo.
Fumana ubomi obuncinane ngenkathi usemncinci njengenxalenye yesicwangciso sokwandisa inzuzo, okanye xa usukhulile ukuba ucebile kwaye ufuna ukwenza okuthile nayo yonke imali yakho eyongezelelweyo.
Qiniseka ukuba uya kukwazi ukuhlawula umgaqo-nkqubo wakho womshuwalense wobomi. Ukuthenga umgaqo-nkqubo wobomi akusayi kukunceda ukuba ugqibe ukuhlawula ikhefu okanye ukhetha isixa ongenakho ukuthenga kwaye kufuneka uzame ukutshintsha umgaqo-nkqubo we-inshorensi yobomi kamva, okanye ukugqithiswa kokugqithiseleyo kwaye ugqibe ukulahlekelwa yinto yonke. Qala ngokucacileyo, unako ukuhlala ungeze i-coverage njengoko uyifunayo. Into ebalulekileyo kukuba uqale kwindawo ethile.
Qinisekisa ukuba inkampani yomshuwalense oyithengayo umgaqo-nkqubo wakho womshuwalense we-inshorensi ukususela kwimilinganiselo yezimali eziqinileyo, utyalo-mali kumgaqo-nkqubo oza kuhlala uhlala ubomi, ngoko ke inkampani yomshuwalense oyikhethayo kufuneka ibe nokuzinzi kakuhle.
Qaphela iindleko ezifihlakeleyo kwimigaqo-nkqubo yempilo
Ungaze uthenge i-inshorensi yomshuwalense yonke ngenxa yokuba umntu uthi uyona khetho. Ubshuwarensi yobomi bonke buhlawula iikomishoni eziphezulu kumthengisi, kwaye zingabandakanya iintlawulo zokulawula utyalo-mali. Oku kuqhelekileyo ukutyalo-mali, uya kudla ukuhlawula iifizi kwenye indawo, kodwa qinisekisa ukuba uxoxe ngale miba nomcebisi kwaye sele unolwazi olululo kwizinto ozikhethayo kunye noko ukulindele.
Iphulo: Ukubuza umcebisi wakho wezezimali okanye imibuzo yomthengisi okanye ye-ejenti yempilo yomshuwalense uza kukunika iziphumo ezilungileyo kwixesha elide. Ukuba awuyithandi indlela abaphatha ngayo iimpendulo zakho, fumana umntu okhululekile naye. Lo bubomi bakho otyalo-mali kwaye ukhuseleko lwakho lweentsapho.
Amasheya ayenzileyo, ngaba iya kuthintela umgaqo-nkqubo wakho wobomi?
Iintetho zixhala malunga nokushintsha kwamaxabiso emakethe e-stock market , umzekelo, cela umcebisi wakho oko bacinga malunga noko kwenzeke ngemigaqo-nkqubo yobomi kwiminyaka engama-20 edlulileyo. Qiniseka ukuba ukhululekile ngeempendulo ozifumanayo. Fumana indlela umgaqo-nkqubo wakho wobomi uza kukukhusela ngayo nendlela inxalenye yokonga isebenza ngayo. Ukuba nolwazi olufanelekileyo kuya kuhlala kukukhusele ngokupheleleyo kwaye umcebisi olungileyo akayi kucasulwa ngemibandela yomshuwalense wakho wobomi kodwa uya kuvuyela ukuphonononga kakuhle iingxaki zakho kwaye akunike isikhokelo.
Ingqwalasela eyongezelelweyo: ukuba ufuna ukutshala imali engama-dollar ngenyanga ngenyanga "ekulondolozeni", kufuneka uthethe kumcebisi wezezimali onokuziphonononga isicwangciso esiza kukunceda. Emva koko xa ukhangele zonke iinketho, yenza isigqibo esinolwazi. Ubomi obunokuba yiyona nto ingcono isigqibo kuwe, kodwa kufuneka uhlolisise zonke iinketho zakho zokwazi.
Ufuna inshorensi yobomi kodwa ungaqiniseki ukuba unokufumana iiprayimari zobomi bonke? Qaphela ubomi besikhathi: I- Atom yobomi besikhorensi: Inshshurensi kwiBhajethi yakho