Iinkampani ezili-10 Ukunikezela nge-AD & D Insurance

Umgaqo-nkqubo we-AD ne-D ubeka i-Cash Benefit to Beneficiaries

Ziziphi amathuba okufa kwengozi? Ngokwezibalo ezivela kumaziko okuLawula nokuLawulwa kwezifo, izingozi ziyisihlandlo sesihlanu esibangela ukufa kubantu baseUnited States, kuphela emva kwezinto ezibangela izifo zentliziyo, umhlaza, izifo zokuphefumula kunye neentlobo.

Akungabazeki ukuba ucinga ukuba kwenzekani kubathandekayo bakho xa kwenzeka ukutshabalalisa ngokungenakuzelelwa ngenxa yengozi ethile.

Ubunzima bezezimali kunye nezinye ilahleko zingenza le nkxwaleko yobuqu ngokukhethekileyo. I-inshorensi yobomi ithetha ukunika uxolo lweengqondo-ukuqinisekisa ukuba intsapho yakho iya kunyangwa ukuba kwenzeka into ethile kuwe. Nangona kunjalo, unokuba neemeko ezikhethekileyo okanye unqwenela ukufumana ukugqithiswa kunokuba umgaqo-nkqubo womshuwalense wobomi ungabonelela. Kule meko ekhethekileyo, ukubulawa kweengozi kunye nokudibanisa (i-AD & D) nkqubo yomshuwalense yindlela yokuqwalasela xa ukhetha uhlobo olulungileyo lwe-inshorensi yobomi .

Umgaqo-nkqubo weNtshuwalense wokuPhumela nokuPhumela kweNkcenkcesho

Umgaqo-nkqubo we-AD & D uza kunika inzuzo yemali kubaxhamli bakho xa usweleka ngenxa yengozi ekhuselekileyo okanye uxhatshazwa ngokukodwa okanye okugqibeleleyo ngenxa yengozi. I-inshurensi ye-AD ne-D iya kuhlawula iibango zengozi ngokubhekisele kuyo nayiphi na inzuzo yomshuwalense okhubazekileyo okanye unomshuwalense wokukhubazeka okanye umqeshi wakho oya kuhlawulela ukutyhulwa ngenxa yengozi echaphazelekayo emsebenzini.

Ngokuqhelekileyo, umgaqo-nkqubo uza kunika i-$ 20,000 ukuya kwii-500,000 zama-dollar kwi-coverage kwaye ingabhalwa kumgaqo-nkqubo ngamnye okanye nge-package benefit benefits. Kwibango lokufa ngenxa yengozi ehlanganisiweyo, isixa-mali esizalisiweyo siyahlawulwa. Ukuze inqabana okanye ukulahlekelwa kwamehlo, le ntlawulo iyenziwa njenge "intlawulo ehleliweyo" okanye ipesenti ethile yexabiso eliphambili lomgaqo-nkqubo.

Kukho izibhengezo ezithile ezisebenzisayo kwiinkalo ezininzi ze-AD & D ezifana nokulimala okubangelwa kukuzama ukuzibulala, ukufa ngokuhlinzwa, ukugqithisa iziyobisi okanye ukuzilimaza ngandlela-thile. Ezinye izibhengezo zingasetyenziswa kwaye zihluke ngenkampani yomshuwalense.

Amashishini a-inshurensi anikezela nge-AD & D Iinkqubo

1. I-Prudential : Umshuwalense we-Prudential unikela umgaqo-nkqubo we-AD & D ngenzuzo yokukhetha umlingane kunye nabantwana. Ngokuxhomekeke kumqeshi wakho, i-premium yakho inokuhlawulwa kunye nenketho yokongeza abaxhomekeke kwi-premium eyongezelelweyo oyayihlawula. Umgaqo we-AD & D ngokusebenzisa i-Prudential iyatholakala njengendlela yokuzimela yedwa okanye njengongezelelweyo eyongezelelweyo kwinkqubo yomshuwalense wexesha elide. Unokongeza umgibeli kwipolisi yakho kulezi zikhetho: intlawulo eyongezelelweyo xa ufa emotweni ngelixa usebenzise ngokufanelekileyo ibhanti yokuhlala kwisithuthi esineenkampani zomoya. ukulahlekelwa ngenxa yokuhlaselwa, ukuchayeka, ukusabalalisa, ukuhlaselwa okanye ukutshatyalaliswa ngokungafanelekileyo okanye umlingani / umlingane / ukufa komlingani wekhaya; umlingane okanye umvuzo wokufundiswa kwabafundi kunye nezibonelelo zecala elihlala. Umshuwalense wePrudential usekho shishini ukususela ngo-1875 kwaye unesilinganiselo "A +" esiphezulu kwi-AM Eyona nto. Ubungakanani buhambisa yonke i-US
2. I-Mutual ye-Omaha : Ukubambisana kwe-AD & D kunye ne-Omaha kunikezelwa njengendlela eyongeziweyo kwiplanethi yomshuwalense wexesha lomsebenzi. Kukho abathathu abahamba ngeendlela ezikhethiweyo: (1) I-Suite Suite yentsapho -Ibonisa ukuba umlingane wemfundo uzuze kwi-$ 3,000, inzuzo yemfundo yabantwana ibe yi-$ 5,000, inzuzo yokunakekelwa kwabantwana ukuya kwii-5,000 zama-indleko kwiinkcitho zokunakekela abantwana kunye nokuqhubeka kwenkcazo yokunika ingxelo ukuze Ukugcinwa kwengxelo kusele kusebenza kumlingane kunye nabantwana abaxhomekeke kwiinyanga ezili-12 emva kokufa; (2) I- Suite Suite -Lolu khetho longeza inzuzo ye-seatbelt ehlawula i-10% eyongezelelweyo ukuya kuma-25,000. i-airbag inenzuzo ukuya kwii-25,000 zamawaka; inzuzo ephindwe kabini ukuya ku-$ 1,000,000 ukuba ingozi ibonakala kwizithuthi zikawonkewonke kunye ne-5,000 yeeRhafu kwiimbuyekezo zokubuyisela ukuthuthwa kwezinto eziseleyo; (3) I- Catastrophe Suite -Inokubangela inzuzo yokukhubazeka xa ukulimala okukhuselekileyo kubangela i-paraplegia, i-hemiplegia, i-quadriplegia, i-triplegia okanye i-uniplegia; uhlawula i-10% eyongezelelweyo kwisithuthi okanye ukuguqula ikhaya; I-5% eyongeziweyo yokufikelela kwiinyanga ezili-20; ingeniso yokubanjwa kwesibhedlele kunye ne-25,000 yenzuzo yokuhlawula ukuxhatshazwa. I-Mutual ye-Omaha yasungulwa ngo-1909 kwaye inikezela ngegalelo kwi-44. Unokulinganiswa kwemali ye "A +" Ephezulu ukusuka ku-AM Best.

1. I-AIG ngokuthe ngqo : I-AIG ngqo inikezela ngezi cwangciso ze-AD & D: (1) Iindleko ze- Accident Plus -Ukuzaliswa ukuzalisa izikhelo zakho izicwangciso zonyango alufihlayo xa kwenzeka ingozi okanye igulo elibi; (2) Ingozi ye-AGKwinkcitho ngokuthe ngqo -Ingqinisiso eqinisekisiwe kunye nenqubomgomo eqinisekisiwe yokuvuselela ukufa kunye nokukhubazeka. Lo mgaqo-nkqubo unikeza ukukhuselwa kweeyure ezingama-24 kunye neenzuzo zokuhlawula izibonelelo; (3) IG Accident Plus Plus -Ibonisa ubungqina obongezelelweyo bezingozi ezininzi kunye neendleko zokugonywa, unyango lwezonyango, iimviwo zokuxilonga kunye nokuvakatyelwa kwamagumbi okuphuthuma. I-AIG yaqalisa ukusebenza e-US ngowe-1926. Inika inkxaso kwi-US nakwii-100 kumazwe angaphezulu kwama-100. I-AIG inamandla okulinganisa imali "A" ukusuka ku-AM Best.
2. I-Aflac : I-Aflac inikeza umgaqo-nkqubo womshuwalense wengozi ngokusebenzisa abaqeshi banikezela ngeenzuzo zemali yokunakekelwa kwengozi kunye neendleko zokubuyisa kuquka unyango olungxamisekileyo, iindleko zokuthuthwa kwezonyango, indawo yokuhlala nokunye. Le pan iquka into ebizwa ngokuba yi- One Day Pay engakunika imali ngokukhawuleza emva komhla ozayo emva kwengozi ukunceda ngeebhilikhwe kunye nezinye iindleko zokuphila ngelixa uphila emva kwengozi kwaye ungakwazi ukusebenza. I-Aflac igxile kwimigaqo-nkqubo eyongezelelweyo kunye nabantu abangaphezu kwezigidi ezingama-50 abantu abakwii-insured emhlabeni jikelele. I-Aflac ine-"A +" Isisiseko esiphezulu semali esivela kwi-AM Best.

1. I-Transamerica : Imigaqo emibini yokufa ngokukhawuleza ifumaneka ngeTransamerica: Cwangcisa i-A- Ibonisa inzuzo ukuya kwii-250,000 zamaRandi ngokufa ngokukhawuleza kokufa okuphindwe kabili kwi-500,000 yee-akhawunti eziqhelekileyo (izithuthi zikawonkewonke); Cwangcisa B -Kunesixa-mali se-$ 25,000 sokufa ngokukhawuleza kokufa okunyuka kuma-250,000 kwii-accidents of the carrier. Amaqabane kunye nabantwana banokongezwa kwiplani ye-premium eyongezelelweyo. Umgibeli uyongezelela ukuhlawula okongeziweyo kwama-125,000 ama-$ 000 ukuze abatshati kunye ne-$ 5,000 kubantwana xa bongezelelwe kuCwangciso A. ISicwangciso seB b sihlawula i-75,000 zama-dollar kubafazi kunye ne-$ 5,000 yabantwana. I-Transamerica sele iseshishini ukususela ngowe-1928 kwaye inikezela ngegalelo ngeenkampani zayo ezincedisayo kuwo onke ama-50. I-Transamerica ine-"A +" Isisiseko esiphezulu semali esivela kwi-AM Best.
2. Ubomi bokuthembeka : Umgaqo-nkqubo we-Injury Assurance of Benefit of Life from Fidelity Life unikezela nge-$ 50,000 ukuya kwii-250,000 zama-$ 000 kwaye ufumaneka njengento encinane njengama-dollar 10 ngenyanga. Umgaqo-nkqubo ufumaneke kubantu abaneminyaka engama-20 ukuya ku-59. Inzuzo yokufa ngokupheleleyo ihlawulwa de kube yiminyaka engama-70 kwaye iyancitshiswa ibe yi-50% yobunini bomntu obunzima bomgaqo-nkqubo ide iphele kwi-80 ubudala. . Ubomi bokuthembeka busekwe ngowe-1896 kwaye bunokuthi "A-" Ukulinganiswa kwamandla okugqwesileyo okuvela kwi-AM Best. Ubomi boBulungisa buvunywe kuwo onke amazwe ngaphandle kwe-Wyoming neNew York.

1. Abalimi : Inkcazo ye-AD & D evela kumaFama ka-Intshurensi inika ingxelo evela kwi-$ 50,000 ukuya kwii-200,000 zamawaka ukuhlawula iindleko ezinxulumene neengozi kunye nokulahlekelwa umvuzo. Iindleko zeedola eziyi-100,000 zokupapashwa zi-$ 8 kuphela ngenyanga. Akukho xesha lokulinda ukufikelela kwi-coverage. Ngenxa yokufa okubangelwa yingozi engumthwalo wenkampani, kukho ukufikelela kwi-$ 1,000,000. Ubungqina buqinisekisiwe kubafaki-sicelo abaneminyaka eyi-18 ukuya ku-59. Abalimi be-Intshuwalense basungulwe ngowe-1928 kwaye bane-"A" yokulinganiswa kwemali ephezulu evela ku-AM Best. Umgangatho unikezelwa kuwo onke ama-50.
2. I-Hartford : Umgaqo we-AD & D ovela eHartford unikezela ukukhuseleka kweeyure ezingama-24 ngenxa yokulimala, ukukhubazeka okanye ukufa kwaye uya kuhlawula ilahleko ezenzeka kwi-365 yengozi. Ngaphantsi kwesi sicwangciso sokubhengezwa kubandakanya ukulahleka kobomi, ukulahlekelwa yintetho, ukulahlekelwa kweentetho, ukulahlekelwa kwezandla, iinyawo okanye ukubona, ukulahlekelwa kwesinye isalathiso okanye isalathisi somnwe wesandla kunye nokulahlekelwa kwintembeko. Isicwangciso sinikezelwa ngabaqeshi kubasebenzi abahlawulwe ngumqeshi, ngokuzithandela okanye ngokuzimeleyo. I-Hartford isebenze ukususela ngo-1810 kwaye inikezela nge-United States. Inkampani ine-"A +" Isisiseko esiphezulu semali esivela kwi-AM Best.
3. I-MetLife : Intshuwalense ye-MetLife ye-AD & D ihlawula inzuzo kumabango ngenxa yokulahlekelwa ubomi, intetho, ukuva okanye ukubona, ukukhubazeka kunye nezinye ilahleko. Inikwa njengomvuzo ohlawulwa ngumqeshi, ohlawulwa ngumqeshwa okanye ukudibana kokubili. Izinzuzo eziqhelekileyo kunye nezokuzikhethela zibandakanya ukuxhaswa kwe-airbag, ibhanti yokuhlala, umphathiswa oqhelekileyo, isikhungo sokunakekela abantwana, imfundo yokunakekela abantwana, imfundo yeqabane, ukulaliswa kwezibhedlele, ukuqhubeka kwe-COBRA, i-HIV, ukukhathazeka komsebenzi, ukunyamekelwa kwabazali, unyango olwenziwe ngomzimba, ukubuyiswa kwezinto eziseleyo, unyango ukucebisa kunye nokuhlaselwa emsebenzini. I-MetLife yasungulwa ngo-1868 kwaye ine-"A +". I-MetLife inikezela nge-United States kunye namazwe angama-50 emhlabeni wonke.
4. Imali Yobomi Bama- Sun: I-Sun Life Financial inikezela ngomshuwalense we-AD & D ukulinganisa ixabiso le-inshorensi yobomi bomshuwalense okanye unokukhetha imali ehlukile. Unenketho yokukhetha isixa-mali esisekelwe kumvuzo wakho (umzekelo ube ngamaxesha aphindwe kabini umvuzo wakho wonyaka) okanye ungakhetha ixabiso lemali leedola. Umgaqo-nkqubo unikezela ukuhanjiswa kwelahleko ngenxa yokulimala ngengozi, intetho kunye nokuva, i-quadriplegia, iparaplegia, ukulahleka kwamehlo kwelinye iliso, intetho, ukuva, ukulahlekelwa kwesilungu (ingalo okanye umlenze), isithupha kunye nesalathisi somunwe. Kwimeko apho umonakalo obangelwe kukufa kwakho, umxhamli wakho uya kufumana i-100% yemali yakho yokufikelela. I-Sun Life Financial yasungulwa ngo-1865 kwaye ine-"A +". Umlinganiselo ufumaneke kuwo onke ama-50.

Ezinye iindlela kunye nokuqwalasela

Kwabaninzi abantu, i-AD & D ayiyi kuba yinkcazo yazo eyona nto, kodwa kunokuba ngumgaqo-nkqubo wokuncedisa ukubonelela ngeenkcukacha ezongezelelweyo ezingaboniswa ngumgaqo-nkqubo we-inshorensi yobomi. Gcina ukhumbule ukuba umgaqo-nkqubo we-AD & D uhlawula kuphela xa ukufa kwakho kubangelwa ngengozi. Uvumelekile ukuba ufe ngenxa yesinye isizathu esingafakiyo kubandakanya umhlaza, ukuhlasela kwentliziyo okanye esinye isifo. Kwakhona, ezinye izinto ezingabandakanyiyo ziyasebenza kwimigaqo-nkqubo efana neengozi ezibangelwa imisebenzi eyingozi kuquka ukugibela imoto okanye isithuthuthu, ukudilika kwezulu, kunye neminye yemingcipheko ephezulu. Qinisekisa ukuba ufumanisa oko kungabandakanywa ngaphambi kokuthenga umgaqo we-AD & D.

Abanye abaqeshi banikezela oku kubhengezwa kubasebenzi babo mahhala. Ukuba unokufumana ukukhutshwa okungekho sikhululekile, ngokuqinisekileyo kuyacaca ukwenza njalo. Iinkampani ezininzi ze-inshorensi yempilo ikuvumela ukuba ungeze i-AD & D ekhwela kwi-inshorensi yakho yobomi bomshuwalense we-premium. Oku kunokuba ukhetho oluncinci kunokuthenga umgaqo-nkqubo we-AD & D wodwa. Ukuba ucinga okungekho, ukukhutshwa kwe-AD & D kunokulungele wena, thengeza uze uqhathanise okukhethwa kukho kunye nexabiso lokufumana ixabiso elifanelekileyo kumgaqo-nkqubo .