Yintoni i-SGLI nayo yonke into ofuna ukuyifumana ngayo
I-SGLI ayinikezeli ngamalungu enkonzo inqanaba elincinci le-inshorensi yomhlala-mali, inkqubo ye-inshorensi inika amalungu omkhosi ngokufihlakeleyo ukuba abanako ukufumana kwenye indawo.
Ixabiso eliphantsi
I-SGLI ifana kakhulu ne-inshorensi yobomi bomshuwalense wexesha eliya kubahlali bathengile kwiinkampani zomshuwalense wezempilo eziqaphele ngokubanzi ngamaziko e-inshorensi okanye nabaqeshi babo. I-SGLI ayifani, kwaye urhulumente wase-US unikezela kumalungu omkhosi kwaye abambalwa bakhethe abanye abasebenzi baseburhulumenteni. Aba basebenzi bakaRhulumente baquka "iqela" kwaye benza iSGLI inkqubo ye-inshorensi yobomi benkampani.
Amalungu omkhosi angathenga i-SGLI kwii-$ 50,000 zokunyuka, kodwa abaninzi abantu bathenga ixabiso elingama-400,000 kwi-akhawunti ngenxa yeendleko eziphantsi kakhulu. Ngo-2013, indleko ye-premium ye-SGLI ye-couverture njengamanje ayi-6.5 cents kwi-1,000 yezigidi ze-coverage ezinikezelwa yi-inshurensi.
Ngoko, umzk Oku kuyafana nokuba loo mntu uyimfihlo oye wajoyina umkhosi okanye oqhelekileyo oyalela iCandelo kwiMikhosi yamashumi amabini amaSolethi.
Zincinci kakhulu kwiiNgcaciso
Ngaba uthanda ukuya ezulwini? Ngaba ufuna ukufunda ukuhamba ngeendiza? Ezi zikolo zokuzonwabisa zengozi ziyakwandisa iipresimenti zakho ze-inshorensi yomntu ukuba uthenge umgaqo-nkqubo ngokusebenzisa inkampani yomshuwalense wenkcubeko. Oku akunjalo xa uthenga inshorensi yobomi nge-SGLI. Akukho mbuzo ukuphendula.
Kwaye, eneneni, urhulumente ufuna ukuba amalungu amaninzi empi aphephe ngaphandle kweenqwelo zeenqwelo okanye ezindiza ezindizayo kunye neenqwelo-moya njengenxalenye yemisebenzi yabo.
Amalungu omkhosi nawo kufuneka afune umgaqo-nkqubo we-inshorensi yobomi engabandakanyi isigatya somfazwe. Ininzi ye-inshorensi yempilo ayihlawuli ibango xa ubulawa kwindawo yokulwa. Kodwa ke kanye kanye apho sihlala siyala khona amalungu omkhosi ukuba ayenze-ahambe kwaye alwele inkululeko yethu. I-SGLI ayinazo izibhengezo ezifana nesigatya somfazwe. Enyanisweni, urhulumente uphika kuphela ibango kwiimeko ezinqabileyo ezifana nelungu lezempi elifa emva kokuba lilahle iyunithi yakhe.
Akukho Nkxaso yeeNkcazo zeNkcazo yoBomi
Uvavanyo lomzimba ludla ngokuyimfuneko xa kuthengwa inshorensi entsha yobomi. Oku kudla ngo kwenene ukuba uthengisa i-inshorensi yobomi okanye i-inshorensi yonke yobomi bomshuwalense ngexabiso lemali. Iiinkampani zomshuwalense zihlala zibeka isahlulo se-inshorensi yakho yobomi kwinshorensi yakho kwimpilo yakho kunye nokuba kunokwenzeka ukuba ugule okanye ufe ngokusekelwe kwiinkcukacha kunye nezifo zempilo kunye neentsapho zentsholongwane.
I-SGLI ayinjalo. Imbali yonyango yentsapho yakho okanye imbali yakho yezobugqirha ayicatshangwanga xa uqikelele intlawulo ye-premium yakho ye-inshurensi okanye nokuba uya kuhlawulwa okanye cha.
I-SGLI ibandakanya wonke umntu emkhosini ukuba ahlawule ixabiso lentlawulo yeeprayimari ngaphandle kweemeko zempilo okanye imbali yempilo yentsapho. Oku kuyaqhubeka nokwenza i-inshorensi yobomi bendleko yexabiso eliphantsi kakuhle ngemali ngokwemali ukwenzela ukuba isixa-mali sinikezelwa kumalungu omkhosi.
I-inshorensi yeeNkcazo zoBomi kunye noKhuseleko emva kokuba ushiye iMpi
I-SGLI yiprogram ye-inshorensi yobomi. Ngokungafani nezicwangciso zentsholongwane yomshuwalense wexesha eliqhelekileyo, amalungu omkhosi angayibhalisi kwi-inshorensi yobomi kwi-five, 10, okanye iminyaka engama-20 yeebhloko zexesha. Endaweni yoko, i-SGLI inikezela nge-inshorensi yobomi kwilungu lomkhosi ixesha elipheleleyo lokuba ejoni kwaye iyaqhubeka nokwenza iintlawulo ze-premium ngokuchithwa komvuzo. Ngoko, i-inshorensi yobomi bomshuwalense ingaba naphi ncinane nje ngeenyanga ezimbalwa zenkonzo kumntu oneminyaka engama-20, 30, okanye kwiminyaka engama-40 yomkhosi wempi.
Amalungu omkhosi nawo agqitywe yiSGLI malunga neentsuku ezingama-120 emva kokushiya inkonzo nokuba ngokuzithandela, ngenxa yokuthatha umhlalaphantsi, okanye ngokungabandakanyeki. Kukho iinketho zokwandisa ukuhanjiswa kwe-SGLI ukuya kwiminyaka emibini kwimeko yokukhubazeka. Kukho i-part-time yesigxina se-SGLI efumanekayo kumalungu oLondolozo. Ukuba usondelene nombuzo omnye umhlala-phantsi ukuba ucinge ukuba ngaba uya kuqhubeka ufuna inshorensi yobomi emhlalaphantsi.
Ukuba ulahlekelwe ilungu lentsapho elinamalungu omkhosi okanye owaziyo umntu onalo, noluhlu lwezibonelelo (kubandakanywa iinqununu ukuya kufaka iifom) ezingakunceda uhambe ngeenzuzo ze-SGLI.
Inkonzo Yomshuwalense Wobomi beLungu leNkonzo (SGLI) yinto eninzi yamalungu omkhosi. I-inshorensi yobomi bendleko yexesha eliphantsi inika inkxaso enkulu kwinkonzo yamalungu ngeendleko eziphantsi ngaphandle kokungabikho. Ngo-SGLI, amaSolisa amancinci, abaLwandle, ama-Airmen, neeMarines kunye neentsapho zabo banezinto ezimbalwa zokuxhalabisa malunga nokucwangcisa imali yabo kwaye bangagxila kwimisebenzi yabo kunye nomsebenzi osondeleyo.
Funda ngeNkampani ye-Armed Forces .
Umbhali weendwendwe uHank Coleman nguMagosa e-United States Army okwangoku ekhonza emsebenzini osebenzayo. I-Hank yinto enqabileyo yokulwa neminyaka engaphezulu kwe-11 kunye neehotele ezimbini zonyaka e-Iraq. Ukongezelela, uHank ubhala ngemali yebodwa kwiblogi yakhe Imali Q & A. Unokulandela uHank kwi-Twitter @HankColeman okanye uhlole i-podcast yakhe "Imali Yakho: Izinketho Zakho" kwi-iTunes.