Inkampani ye-inshurensi ye-Sagicor inxalenye yentsapho ye-Sagicor Financial Corporation yeenkampani. Igama elithi Sagicor ngokwenene lidibanisa amagama amabini, "Sage" okuthetha ukuba isilumko kunye ne "Cor" ithetha intliziyo okanye isigwebo kwaye inkampani ithi leli gama libonisa ifilosofi yayo yobulumko ngentliziyo.
Eyasungulwa ngo-1840, uSagicor uye waba nedumela elide lokuzinza ngaphakathi kwishishini lomshuwalense.
Akukho nje inkampani inomsebenzi eMelika kodwa ikwawo amaofisi kumazwe angama-21 ngaphandle kwe-US kuquka amazwe aseMntla America naseCaribbean. Umsebenzi we-US span 45 uthi kunye neSithili sase-Columbia. I-inshorensi yobomi kunye nemveliso yeentengo zithengiswa ngethungelwano lwee-agents ezingaphezu kwama-6,500 ezizimeleyo kwilizwe lonke. Imali ye-Sagicor ineengxowa-mali ezingaphezu kwama-5 ezigidi kwii-asethi ezibandakanya iimpahla zeenkampani zayo ezincedisayo.
Uzinzo lwezeMali
Inkampani ye-inshurensi ye-Sagicor isisiseko sezimali kunye ne "A-" Isilinganiselo esihle kakhulu kwinkampani ye-inshorensi ye- AM .
I-Business Business Bureau
I-Sagicor yi-BBB yavunywa ukususela ngo-2009 kwaye ifumene ubungakanani beBusiness Business "ye-A +". Akunakho ukuhlaziywa kwabathengi abadweliswe kwaye kuphela isibalo sezikhalazo zabathengi ababini. Izikhalazo eziye zaqwalaselwa kwaye zazisombulula ukwaneliseka komthengi kwaye zavalwa. Esinye isikhalazo sabhekiswa yinkampani kodwa i-BBB ayifumananga impendulo kumthengi ngokuphathelele ukwaneliseka kwempendulo yenkampani.
Kuloo nkampani enkulu, le nombolo ephantsi ngokungaqhelekanga yezikhalazo zabathengi.
Iinshurensi zeMpilo
I-Sagicor yendawo ye-inshorensi yoBomi kwiminyaka engama-45 yase-US inikezela abathengi bomshuwalense kunye nemveliso yenkxaso kubandakanya:
- I-inshorensi yobomi besikhokelo: Iiprogram ze-inshorensi yobomi zinikezelwa nge-Sagicor Life zifumaneka kwi-10, 15 okanye 20 yemigaqo-nkqubo yeminyaka. Ixesha lomgaqo-nkqubo wokuphila ngokuqhelekileyo lukhetho olunokuthengwa kakhulu kuba akusisicwangciso sobomi bonke. I-premium iqinisekisiwe ukuba ayinakwandiswa ngexesha lokunika ingxelo.
- I-inshurensi yobomi obungapheliyo (eyaziwa ngokuba yi- Whole Life Insurance ) : Iiprogram ze-inshorensi zempilo zinikwe nge-Sagicor zingakha ixabiso lemali kwi-tax resier basis basis. Ukuxhaswa kwakho kuqinisekisiwe nje nje xa uhlawula i-premium yakho. Abagibeli abakhethiweyo bafumanekayo ukwenzela ukwandisa ukukhutshwa kwe-inshorensi yobomi bomshuwalense. Izinketho ezininzi ze-inshorensi yobomi bomsigxina zifumaneka ngaphandle kokuphela kobomi obungapheliyo jikelele (NLUL), ubomi obunomxholo obunobomi obunomxholo (FIUL), obunamaphepha-ntlawulo e-indeam eyodwa epheleleyo (FISPWL), inzala echaphazelekayo ye-premium life (ISSPWL) kunye nobomi bonke (WL ) umgaqo.
Izibonelelo
Izinketho zokuhlawula nge-Sagicor Life zivela kwiimfuno ezikhawulezayo kwiimveliso ezikhonza iimfuno zomhlalaphantsi ezide ziquka ezi zinto zilandelayo:
- I-Premium yodwa ye-Annuity (SPIA) : Isicwangciso sonyaka-mali esilungiselelwe ukubonelela ngokukhawuleza kwemali engenayo kwishedyuli okwazi ukuyilungisa kunye nemigaqo yokuhlawulwa eqinisekisiwe kungakhathaliseki ukuba imeko yezoqoqosho okanye ithuba lokubuyisela imali. Izikhathi zokuhlawula ezifikelelekayo ziyafumaneka kwaye unokuba wongeza umkhweli wokukhwela ixesha elilodwa ukuba ufuna ukukhishwa kwangethuba ngexesha elithile.
- I-Annuity ye-Premium ekhethiweyo ye-Premium (SPDA) : Isicwangciso sekhefu esichaseneyo esinikela ngenkokhelo enye ye-premium kwaye ifumana inzala kwizinga elimisiweyo eliqokelela ixabiso kunye neerhafu ezingenakubalwa. Unenketho yokuthatha inkokhelo yemali yobomi okanye inombolo ethile yeminyaka. I-premium encinci i-$ 2,000 kwaye i-premium ephezulu i $ 200,000 ngomnini ngamnye.
- I-Index eQinisekisiweyo ye-Premium ekhethiweyo ye-Premium (FIA) : Esi sicwangciso sinika ibhonasi ye-4% kwi-premium enye kwaye ikunika ukulawula nokufikelela kwimali yakho yokurhoxa ngokukhawuleza. I-premium encinci i-$ 2,000 (ayifumaneka eCalifornia).
Ngaphantsi
Ukuba ufuna i-inshorensi yobomi okanye ikhefu lomhlala-phantsi, inkampani ye-inshurensi ye-Sagicor yeyona nkqubo enokuyiqwalasela xa ufuna ixabiso elifanelekileyo kwi-inshorensi okanye i-annuities kunye nokucwangcisa umhlala-phantsi. Ngokubhengezwa kwiindawo ezingama-45 kunye ne "A-" I-AM Excellent Rating, kunye ne-"A +" kwi-Business Business Bureau; I-Sagicor inokuma kakuhle kwezemali kunye neerekhodi yenkonzo yabathengi kwishishini le-inshurensi.
Iinkcukacha zoqhakamshelwano
Ukufumana i-arhente yendawo okanye ufumane i-inshorensi yobomi bomshuwarensi okanye i-annuities, unokutyelela kwi-Website ye-Inthanethi yeNkampani ye-inshurensi ye-Sagicor okanye ufowune i-888-724-4267.
Unokuqhagamshelana nenkampani nge imeyile, ClientServices@SagicorLifeUSA.com.