Ngaba Ndifuna Unshuwalense?
Ukuba uyazibuza ukuba ufuna i-inshorensi yobomi, mhlawumbi uyakwenza.
Ubshuwarensi yobomi akuyena nje xa utshata, uthenga indlu yakho yokuqala, okanye unabantwana. Kukho izizathu ezininzi umntu angadinga inshuwalense yokuphila, kunye nezinye izicwangciso ezilungileyo emva kokuba ufumane inshorensi yobomi kunye naluphi uhlobo lwe-inshurensi . Ezinye iimeko zingabiza i-inshorensi yee-inshorensi zexesha elifutshane, kwezinye iimeko iinkqubo zomgaqo-nkqubo jikelele zobomi zingenza ingqiqo.
Yiyiphi iNkqubo yomgaqo-nkqubo kufuneka ndiyifumane?
Ngaphambi kokuba unqume ukuba uluphi uhlobo lomgaqo-nkqubo oza kufumana, kufuneka uqonde oko ufunayo kwi-inshorensi yobomi bomshuwalense. Ngaba kukukhusela intsapho yakho okanye abanye abaxhomekeke kuyo? Ngaba ufuna inqubomgomo yomshuwalense wobomi oya kukuvumela ukuba ugcine imali, kwaye uboleka imali ukuba uyayifuna kwikamva? Kude kube nini ufuna umgaqo-nkqubo, kwaye yintoni imeko yakho yezobugqirha okanye iminyaka yobudala iya kukwazisa ukuba yintoni na umgaqo-nkqubo onokuwufumana.
Umzekelo, umntu othenga i-inshorensi yobomi kwiminyaka engama-20 uya kuba neerhafu ezahlukileyo kunomntu othenga umgaqo-nkqubo kwi-35, okanye xa aphelile kuma-50 .
Ixabiso le-inshorensi yobomi liyahluka ngokusekelwe kwengozi. Yingakho kukho iinkqubo ezininzi ze-inshorensi yempilo uya kucelwa ukuba uthathe uvavanyo lwezonyango.
Imiba yezoNyango kunye nokufumana i-inshorensi yobomi
Ukuba awunayo imiba yezokwelapha, okanye akukho nto ebalulekileyo kwimbali yakho yezobugqirha uza kuba neenketho ezingaphezulu kunomntu onenkinga yezokwelapha.
Iindaba ezilungileyo kukuba kukho iinkqubo ze-inshorensi yobomi kwiimeko ezininzi.
Ukusebenza nomcwangcisi omhle wezemali okanye i-inshurensi yomshuwalense okanye umthengisi uya kukunceda uhlaziye imeko yakho kwaye unciphise ezo zigqibo. Awuyi kubakhokhela imali eyongezelelweyo ukuze uhambe ngaphezu kweendlela ozikhethayo, bafumane ikhomishini ehlawulwa yinkampani yomshuwalense , ngumsebenzi wabo ukuphonononga ukuhanjiswa kunye nawe. Ngendlela efanayo uhlawulela ukuthenga nge-inshorensi yezempilo , ukusebenza kunye neengcali kwinshurensi yobomi kunokukugcina imali, kwaye kukunikeze ngeengcebiso eziqinileyo.
Ukuqonda Iingqinisiso eziqinisekisiweyo Iinkqubo ze-inshorensi yoBomi
Nangona ilizwi eliqinisekisiwe lenza ukuba sizive sikhuselekile, umgaqo-nkqubo womshuwalense wobomi oqinisekileyo awunakunikelwa ukunikezela ngezinga elifanelekileyo okanye uncedo kuba ngumgaqo-nkqubo owenzelwe ukubonelela abantu abanokudlulela iimviwo zonyango ngokuqhelekileyo kwixesha eliqhelekileyo okanye kwimigaqo yonke yobomi. Ukugqithisa i-inshorensi yobomi be-inshorensi yonyango kunokubonakala kunkwantya, kodwa kuyindlela ehambelana ngqo. Kufuneka uhlale uzama umgaqo-nkqubo okhangela ukuhlolwa kwezonyango, phambi kokuba kungenjalo kuba izinga liya kuba lincinci kwaye ukuba kwenzeka into emibini kwiminyaka yokuqala yokungaqiniseki, inzuzo yakho yomshuwalense wobomi iza kuba nakho ukuqokelela inzuzo yokufa.
Izinzuzo zeNkcazo eqinisekisiweyo ye-Inshorensi yobomi
- akukho vavanyo lwe zonyango
- ngokukhawuleza kwaye kulula
Gcina ukhumbule ukuba isisombululo esheshayo nesilula asisoloko sisisombululo esiza kukunika ixabiso. Unokuba ufumana into ngokukhawuleza kwaye kulula ngoku ngokushiya abaxhamli bakho okanye intsapho kwimeko ephantsi xa uhamba.
Kwiinqununu zokuthenga i-inshorensi yobomi kukulungele ukujonga umfanekiso omkhulu kwaye ucinge ixesha elide.
Imiba ephambili ngeNkcazo eqinisekisiweyo ye-Inshorensi yobomi
- Imigaqo emininzi yemibandela eqinisekisiwe, ukuba uya kufa eminyakeni emibili yokufumana umgaqo-nkqubo kuphela ukuhlawulwa kungabhawulwa kwembuyekezo yakho ye-premium.
- Iiprayimari eziphezulu ngenxa yeziganeko eziphezulu zengozi yokubhala phantsi kwaye akukho vavanyo lwezokwelapha. Inkampani yomshuwalense ithatha ithuba elikhulu kunye neenkampani zomshuwalense zihlawula iirhafu ngokwemngcipheko !
Inkcazo Elula
Inkcazo elula lula i-inshorensi yobomi yindlela eqinisekisiwe yokukhetha inkcitho yomshuwalense wobomi. Zomibini ziyimigaqo-nkqubo ye-inshorensi yobomi kunye nempendulo engancinci kwimibandela okanye kwiinkqubo zokuzalisa, kodwa inkcazo elula lula impilo yomshuwalense iya kubuza imibuzo embalwa kune-issue eqinisekisiwe yoshishino lomshuwalense, kodwa inokunika i-premium engabizi kakhulu ngenxa yoko. Umba oqinisekisiwe kufuneka ube yindlela yokugqibela yokukhetha, ngoko qiniseka kwaye uhlolisise zonke iinketho zakho kunye nommeli wakho phambi kokuba ugxume kwi-insurm eqinisekisiweyo iplani ye-inshorensi yobomi.
I-inshorensi yeeNkcazo zeeNkcenkcazo ngokubhekiselele kumgaqo-nkqubo we-Inshorensi yoBomi
Uhlobo lwe-inshorensi yobomi yinto eqhelekileyo kwaye efikelelekayo yintengiso yomshuwalense wexesha . Lo mgaqo-nkqubo ungathengwa kwixesha leyiphi na indawo ukususela kwiminyaka emi-5 ukuya kwe-30 kwaye ichanekileyo.
Ngokuyinhloko uhlawula i-premium evunyelweneyo, kwaye ukuba uya kufa ngelixesha lomgaqo-nkqubo wakho, inkampani yomshuwalense iya kuhlawula inzuzo yokufa-phantsi kwemiqathango yomgaqo-nkqubo, kunjalo.
Ngokomzekelo, i-inshorensi yobomi iqulethe isigatya esivumela inkampani yomshuwalense ukuba iphendule okanye iphenye ngokufa xa kwenzeka kwiminyaka emibini yokuqala, njengomzekelo wokuzibulala , umzekelo. Nangona kunjalo ukuba zonke iimeko zidibene kwaye yonke into ihlola emva kophando, ngokungafani nenkinga eqinisekisiwe yomshuwalense we-inshorensi, i-term insurance policy iya kuhlawula inzuzo epheleleyo, kungekhona nje iiprayimari ezihlawulwe kwiminyaka emibili yokuqala.
Imigaqo-nkqubo yomshuwalense yonke yobomi inika iinkonzo ezongezelelweyo ngaphandle kokufumana inzuzo yokufa. Imigaqo-nkqubo yobomi epheleleyo inika iingeniso eziphilayo, kubandakanywa izahlulelo ezingenaserhafu ezingangeniswa (ezibhekiselelwe njengexabiso lemali lemali); usenokukwazi ukuboleka imali ngokubaluleka komgaqo-nkqubo wobomi xa kufika ixesha eligqibayo ukuba ufanele wenze njalo. Imigaqo-nkqubo yokuphila yonke inokukhethwa njengenxalenye yesicwangciso sakho semali sonke, kodwa ngenxa yokuba awukhokheli kuphela i-premium yomshuwalense wobomi kwimigaqo yonke yobomi, kodwa uhlawula "into" yokonga, iindleko ziya kuba ngaphezulu. Lo ngumgaqo-nkqubo obiza kakhulu kuba uyakha ipolisi yomshuwalense wobomi ngexabiso kuwo.
Ubomi Bendalo Yobomi Bonke kunye neNtshuwalense Yonke Ubomi
Ubomi bomshuwalense wobomi bendalo yinto enye enokuyiva ngayo, kunye nemigaqo-nkqubo eguquguqukayo kunye neyonke. Bafana nobomi bonke ngenxa yekota kunye nombono wotyalo-mali. Ubomi bomshuwalense wobomi bendalo buya kuba kubi ngaphezu kwexesha lokuphila ngenxa yesahlulo sokutsalwa kweentlawulo zakho kule hlobo lomgaqo-nkqubo.
Ukubuza malunga noVavanyo lweZonyango
Xa ukhetha umgaqo-nkqubo wokuphila, qiniseka kwaye ufumanisa ukuba uyavuselelwa kwaye ngaba uya kufuneka ufumane uvavanyo lwezonyango ukuvuselela umgaqo-nkqubo. Kucacile ukuba kunenzuzo ngakumbi ukuthatha umgaqo-nkqubo apho ungafanele ukhathazeke malunga nokufaneleka kwakhona. Umngcipheko nge-inshorensi yobomi beminyaka kukuba ukuba ufuna ukuthenga i-inshorensi yobomi kwakhona emva kwexesha elikhethiweyo, unokuba nemiba ukuba ufuna ukufumana uvavanyo olutsha lwezonyango. Njalo qwalasela oku kwisigqibo sakho.
Ukuguqula iipolisi
Enye ingongoma xa kuthengwa i-inshorensi yobomi kukubuza ukuba umgaqo-nkqubo unokuguqulwa ngaphandle kovavanyo olutsha lwezonyango. Yisoloko isilungileyo esihle ukuqonda ukuba zeziphi izinto ozikhethayo ukuba iimfuno zakho ziguquka kwixesha elizayo. Uhlobo lomgaqo-nkqubo owathathayo namhlanje aluyi kuba yilokho ufunayo kwixesha elizayo, awufuni ukubeka ingozi ekulahlekelweni kwexabiso, okanye ukuba uthathe iimviwo zonyango xa unquma ukuba ufuna uhlobo olutsha lomgaqo-nkqubo. Njalo ubuze imibuzo ngaphambi kokuba utshintshe umgaqo-nkqubo we-inshorensi yobomi kuba unokuma ukulahlekelwa kakhulu.
Iintlobo zeeNkqubo zoMgaqo-nkqubo we-Intshumo yoBomi njengeSicwangciso
Xa uhlolisisa zakho iinketho nge-inshorensi yobomi bomshuwalense njengomcwangcisi wezezimali, i-agent okanye umthengisi, banokuphakamisa ukuhlanganiswa kweentlobo ezahlukeneyo zemigaqo-nkqubo yokugcina imali. Qinisekisa ukuba ubuze imibuzo eninzi ukuba bancede ubone into eyenza ingqiqo.
Umzekelo, ukuba ufuna kuphela ukuthwala inqanaba eliphezulu le-inshorensi yobomi kwiminyaka eyi-10, kodwa ufuna ukuthwala i-inshorensi yobomi kubomi bakho bonke, banokuthabatha ukuthabatha ixesha eli-10 leminyaka ngenxalenye yemali ocinga ukuba uyayifuna loo nto ixesha elilinganiselweyo, kunye nexabiso elincinci kwimigaqo yokuphila yonke.
Umzekelo, ukuba ikhaya liya kuhlawulwa ngeminyaka eyi-10, kwaye abantwana bakho baya kugqiba iikholeji, unokugqiba isigqibo sokuba kwiminyaka-10 ezayo ufuna i-250,000 ye-inshorensi yobomi, kodwa emva koko, unokugqiba isigqibo sokuba ufuna kuphela i-150,000 $ uya kuba netyala elincinci kunye noxanduva lwemali. Ngoko kunokuba banikeze umgaqo-mali wama-250,000 kwi-policy yomgaqo wonke wobomi, banokukunika inhlanganisela ye-inshorensi yobomi engancinci kwixesha lakho elikhethiweyo. Kwimeko elapha ngasentla, ingaba ngumgaqo-nkqubo wee-150 000 wee-term kunye ne-100 000 yeyona nkqubo yomgaqo wonke wobomi.
Akukho mda kudibaniso umcwangcisi wezezimali okanye i-arhente anokunikezela. Into ebaluleke kakhulu kukuqonda into ofuna ukuyifeza kwaye ucele zonke iinketho zakho.
Ngoku ukuba uqonda ezinye zeenqobo zomgaqo-nkqubo, ungathetha kumcebisi wakho wezezimali okanye i-inshorensi yomshuwalense xa uthengela i-inshorensi yobomi kwaye kufuneka ukuba bakwazi ukuchaza yonke into ukuze wenze isinqumo esifanelekileyo soluhlobo lomgaqo-nkqubo ngawe kunye naluphi isicwangciso esilusebenzise xa uthenga i-inshorensi yobomi.