I-inshurensi yoBomi : Izicwangciso ze-inshorensi yobomi zibonelela ngeniso kubantu abaxhomekeke kuyo xa ufa kungekudala kunokulindelwe Iinjongo zomshuwalense zobomi ziyakwazi ukwahlula phakathi kweyure okanye ubomi bomshuwalense.
Umgaqo-nkqubo we-inshorensi wentsuku-mali uquka ixesha elithile, ngokuqhelekileyo iminyaka eyi-10, engama-20 okanye ngaphezulu, kanti i-inshorensi yonke yobomi bomshuwalense yinto yonke yobomi bomnini-nkqubo. Ezinye iinkqubo zomshuwalense wee-inshorensi zempilo zinika ithuba lokuguqulwa ibe ngumgaqo-nkqubo womshuwalense wobomi xa ixesha liphela.
Ininzi-inshorensi yempilo yenkxaso-mali inikezela ngexabiso lemali kunye neenzuzo zokufumana imali kunye nezinye izibonelelo eziphilayo njengendlela yokhetho lokukhathalela ngokubaluleka; nangona kunjalo, oku akuwona umsebenzi owona mgaqo-nkqubo womshuwalense wobomi. Umsebenzi walo oyintloko kukunyamekela abaxhomekeke kuyo emva kokufa kwakho kunye nokuhlawula iindleko zokuphela kokuphila / zokugqibela.
I-Annuity : Izicwangciso zeemali zenzelwe ukubonelela ngenzuzo yomhlala phantsi kwisicwangciso somnini ukuba uhlala ngaphaya kwexesha elilindelekileyo lobomi. Izibonelelo zibonelela ngokulondoloza irhafu kwerhafu yengeniso. Ngoxa i-annuity ine-benefit benefit to beneficiaries, ayikho inkokhelo yerhafu. Izihlomelo zibhekiswa ngokubhekiselele kwiiprogram ezichaziweyo, ezikufutshane okanye ezide.
- I-annuity ekhethiweyo : Ikhefu elichaziweyo lifana nje. Ingeniso ilandelwa emva kokuhlawulwa kwee-premiums kuze kube ngumhla kamva, mhlawumbi iminyaka emininzi. Iimali ezikhethiweyo ezikhethiweyo zigqityiwe kwakhona zibe zizinzileyo (eziqhelekileyo , eziQinisekisiweyo zeFixed (i-FIA) kunye ne- Variable annuity. Iintlukwano eziphambili kwiindidi zezicwangciso zokuhlawula iinjongo zendlela ekufunyenwe ngayo inzala kunye nokuba ngaba umntu ujonge ukwenza utyalo-mali olukhuselekileyo okanye bafuna iimbuyekezo zentengiso kunye nexabiso elikhulu lokuqokelela.
- I-Annuity esheshayo: I-annuity esheshayo ihlawula iindleko eziqala ngaphandle kwexesha elingaphezu konyaka omnye emva kokuhlawula i-premium yakho kwinkampani yinshuwalense. Uninzi lweentlawulo ezithengiweyo zithengwa ngexesha elilodwa, ukuhlawulwa kwemali-mali kwaye zenzelwe ukuhlawula ngaphandle konyaka omnye emva kokuba i-premium ihlawulwe. Isicwangciso sonyaka senzelwe ukuba abantu bajonge kwingeniso eqinisekileyo yobomi.
- I-Annuity ebudeni bexesha elide: Isicwangciso seminyaka esinesigxina sonyaka siyinkokhelo yenkxaso-mali engenakunokukhatyulwa kunanoma yiphi iminyaka enemali engenayo ifakwe kwiminyaka engama-45. Ngokuqhelekileyo, izicwangciso zolu hlobo aluyizicwangcisi kude kube ngumnini uneminyaka eyi-80 ubudala okanye ngaphezulu. Cinga nje ngesicwangciso somhlala-phantsi esongezelelekileyo esingazikhatyathwa xa isicwangciso sakho somhlala-phantsi esihlawulela rhoqo singasweleka ekuhlawuleni kwayo okanye siyekile.
Ziziphi iziCwangciso ezilungileyo?
Isibalulekileyo ekuqaliseni isicwangciso esilungile kuwe-inshurensi okanye inshorensi yobomi - kukujonga injongo yakho. Ukuba injongo yakho ephambili kukunceda abaxhomekeke kuyo kunye nabanye abaxhamli bahlawule iindleko zakho zokugqibela , iibhilidi kunye nemali eseleyo esele iphile kuyo, ukubethelwa kwakho kweyona ndlela yintsholongwane yomshuwalense wezempilo kuba le nto idluliselwe ngaphandle kweerhafu kubaxhamli bakho.
Ngakolunye uhlangothi, ukuba ufuna isicwangciso esinikela ngeniso yomhlala-phantsi kufuneka uqwalasele i-annuities.
Inkxaso-mali inikeza imali yokulondoloza irhafu kunye neholo lomhlalaphantsi. Ukubeka nje-inshorensi yobomi ikhusela abathandekayo bakho xa usweleka ngaphambi kokuba i-annuity ikhusele umvuzo wakho xa uhlala ixesha elide kunalindelekile.
Zombini izicwangciso zinikela ngeenzuzo zokufa kodwa ngamnye ukhetho oluhlukileyo ngeenjongo ezahlukeneyo. Ukuba ufuna isikhokelo ekunqumeni ukuba isicwangciso se-inshorensi yobomi okanye i-annuity ikulungele wena, qhagamshelana ne-inshorensi yomntu okanye umcebisi we-planning plan ukuze uxoxe ngazo zonke iindlela.
Ungayithenga phi i-Inshurensi yoBomi / Isicwangciso seNkcazo yeNgeniso yeMhlala-phantsi?
Kukho iinkampani ezininzi eziziwayo ezibonelela ngomshuwalense wobomi kunye nezicwangciso zonyaka. Uyakwazi ukufumana inkampani ngokwakho okanye ngegosa lakho le-inshurensi. Ukuba uzenza uphendlo ngokwakho, qwalasela ezinye zeenkampani eziphambili ezinikezela izicwangciso zombini xa zithelekisa amanani: AIG , Symetra , Sagicor , iAmerico , i- American Fidelity , i- New York Life , iBhanki Ubomi kunye nokuShwabalalisa , nokunye.
Qinisekisa ukuba ukhangele inkcazo yamandla eenkampani kunye nokurekhoda kweenkonzo zabathengi ngemibutho ye-inshorensi efana ne- AM Best ne- JD Power & Associates .