Inkqubo Yogxininiso lwexesha elide
Xa kubalwa, i-$ 100 yenzuzo yansuku zonke eyandiswa ngamalanga angama-365 ngonyaka iminyaka engama-3 yayiza kudala i-$ 109,500 "yemithombo yemali" efumanekayo kunyango. Le dama yemali yayiza kuhlawula indawo yokunyamekela kwikhaya lononophala, indawo yokuhlala yokuncedisa, ukunakekelwa kwentsuku yabantu abadala, okanye kwindawo yokuhlala yoomnini-mgaqo-nkqubo emva kokuba kukho imigaqo ethile.
Yintoni Eyenzekayo Xa Imali Iswele?
Xa igumbi lemali laphelile, umgaqo-nkqubo wenkathalo yenkxaso yenkxaso yexesha elide awuyi kuba neenzuzo. Nangona kunjalo, ukuba umgaqo- nkqubo we-inshorensi yexesha elide wawungasetyenziswanga , umnini-mali uza kulahleka utyalo-mali lwentlawulo yakhe ye-premium. Ngaloo ndlela, abanye abantu abadala baye bakhetha ukungazithengi le migaqo-nkqubo, kunokuba bathathe isigqibo kunokuba baxhomekeke kwiintsapho zabo okanye ngokulondolozwa kwangoku kwimeko apho kunyanzelekile ukuba kunyanzelekile.
Kuthiwani Ngokumalunga Nakho Ngepokhethi?
Ngeendleko zempilo yononophelo ekhulayo ngokukhawuleza , kwaye olunye usuku kwikhaya lononophala elibiza imali engama-175 okanye ngaphezulu kwiidolophu ezinkulu, ukuzinyamezela kuyisiphakamiso esingozi.
Ukuxhomekeka kwintsapho kungenye indlela, kodwa kungekhona into efanelekileyo. Ngelishwa, ezininzi iintsapho aziinaso ixesha, izibonelelo okanye ubuchule bokubonelela ngononophelo lwamahora kumntu othandekayo.
I-"Return of Premium" Rider
Icandelo le- inshurensi lafumanisa ukuba iimfuno zabathengi azizange zihlangane kunye neenkqubo zomshuwalense wexesha elide.
Nangona i-inshorensi yempilo yenkxaso yexesha elide yayinelisekile kwabanye, abanye baninzi bafuna ukuqinisekiswa ngakumbi kwimeko yabo yomgaqo-nkqubo wokunakekelwa kwexesha elide awazange isetyenziswe. Ngaloo ndlela, le migaqo yenkcubeko yongezelela "ukubuyela kwe-premium". Ukuba umgaqo-nkqubo wawungasetyenziswanga kwixesha elimisiweyo, ithi iminyaka eyi-10, ke inkampani yomshuwalense yayiza kubuyisa inxalenye yeeprayimari kumnini-nkqubo okanye ilungu losapho. Oku, njengalowo nawuphi umkhwele, weza ngexabiso elongezelelweyo kumthengi.
Inqubomgomo yomshuwalense weNkcazo yexesha elide okanye eXhoxisiweyo
Ngokuphendula kumfuno yamakhasimende kunye ne-arhente, iinkampani ze-inshorensi zenze into enokuthi iboniswe ngokufanelekileyo njengemigaqo-nkqubo ye-hybrid okanye edibeneyo. Le nkqubo idibanisa inzuzo yesikhokelo okanye i- inshorensi yobomi besikontraki . Ngemigaqo-nkqubo ye-hybrid, umthengi unesiqinisekiso sokunakekelwa kwexesha elide okanye, ukuba akukho nto iyanceda, isithembiso se-inshorensi sinokuzuza kubo kunye nabaxhamli babo.
Iimigaqo-nkqubo zeNtsholongwane yeNtsholongwane yexesha elide isebenza njani?
Imigaqo-nkqubo ye-Hybrid isebenza ngeendlela eziliqela. Omnye umgaqo-nkqubo uqhagamshelanisa nokunakekelwa kwexesha elide kwi-inshorensi yobomi bomshuwalense Ngeli cwangciso, i-insured ibeka i-premium ebekwe kwi-policy. Ngokuxhomekeke kwiminyaka, ubulili kunye nempilo yomxhasi-i-pool yangoku nje yemali yenziwe ngokunyamekela kwexesha elide.
Ngelo xesha, inzuzo yokufa ngokukhawuleza yenziwa kwinshuwalense yobomi. Thatha, umzekelo, umfazi oneminyaka engama-65 ubudala ongeyena otshaya aphethe i-$ 175,000 kwimpahla yamanzi. Ukuba uyayifaka i-$ 50,000 kule akhawunti, malunga ne-87,000 zamawaka kwiinkonzo zokunakekelwa kwexesha elide ziya kwenziwa ngokukhawuleza. Kwakhona kuya kuba nenzuzo yokufa kwabaxhamli bakhe malunga nama-87,000 e-dollar adalwe kwinqanaba le-inshorensi yobomi kule akhawunti. Ngeendleko ezongezelelweyo, unokukhetha umgibeli-mali oza kunika i-$ 260,000 kwiinkonzo zonyango lwangexesha elide ngokuchasene ne-$ 87,000 yangaphambili. Kulo mzekelo, ufumene iziqinisekiso ekutsalweni kwakhe kunye nokukhuselwa kwiindleko eziphezulu ezinxulumene nekhaya labahlengikazi. Ukongeza, wayeya kuba no-125,000 kwiivenkile ezisetyenzisiweyo.
Inkxaso-mboleko yexesha elide elixhaswe kwiNkcazo
Omnye umzekelo wale nxu lumano lwe-inshorensi yempilo yexesha elide idibanisa iingeniso zengqesho zangexesha elide kwi-premium eyodwa.
Le mveliso iqala njengomhlawulelo kunye nesibambiso sentlawulo yesigxina okanye iifomethi ezihleliweyo ezenziwe ngokuhamba kwexesha. Ukuba akukho nonyameko iyadingeka, i-annuity izuza inzala esebenzayo njengawo nawuphi na umvuzo. Kodwa ukuba umnini / umxhasi uyafuna ukunakekelwa kwikhaya lokunakekelwa okanye kwiphina indawo, i-formula iya kusetyenziswa ukuqikelela inani lemali-mboleko yenyanga ekhoyo kumxhasi. Ukuthatha umzekelo osetshenziswe ngaphambilana, umfazi oneminyaka engama-65 ubudala oneminyaka eneminyaka engama-65 ubudala, othe wafaka i-$ 150,000 kule akhawunti, uya kuba neenzuzo zokukhutshwa kweerhafu, ukukhula okukhuselekileyo kwi-annuity kunye nama-$ 4,700 ngenyanga ngenyanga yeenyanga ezingama-36. Ngeendleko ezongezelelweyo, umqhubi wenkxaso eyongeziweyo kulo mgaqo-nkqubo uza kunika i-$ 4,700 iindleko zenyanga ngenyanga. Kule meko yemigaqo-nkqubo, umqhubi wenkxaso eyongezelelweyo ngokuqhelekileyo uthengwa ngokuhlakanipha ukuze athole iimqinisekiso eziphezulu.
I-Latest yeNkcazo yoLondolozo lwexesha elide i-Hybrid Insurance
Ukongeza kwangoko kwi-marketplace ye-market hybrid yi-annuity ukunakekelwa kwexesha elide. Le mveliso isebenza ngokufana nanjengoko i-annuity fixed but has a long-time multiplier ukunakekelwa ekwakhelwe kwipolisi. Akukho mkhweli we-premium oqhotyoshelwe kulo mgaqo-nkqubo we-yearwritten annuity. Kunoko, inxalenye yokubuyiselwa kwangaphakathi kwintrakthi isetyenziselwa ukuhlawula inzuzo yengqesho yesikhathi eside. Inkqubo yokunakekelwa kwexesha elide ibalwa ngokusekelwe kwisixa sokubhengezwa kwenkqubo xa kuthengwa umgaqo-nkqubo. Inkampani ye-inshurensi inikezela ngokuhlawula i-200% okanye i-300% yenkcitho yomgaqo-mali ngokubanzi ngaphezu kweminyaka emibini okanye emithathu emva kokuba ixabiso le-akhawunti ye-annuity liphelile. Ngokomzekelo, umnini-mgaqo-mali oneminyaka eyi-100,000 ye-annuity ekhethiweyo kunye nomyinge wenkxaso-mali ka-300% kunye nenzuzo yeminyaka emibili iya kuba ne-$ 200,000 eyongezelelweyo efumanekayo kwiindleko zonyango lwangexesha elide emva kokuba ixabiso lokuqala lemali eyi-$ 100,000 liphelile. Umnini-nkqubo uzakuchitha imali eyi-100,000 ye-annuity value ngaphezu kwexesha eliyiminyaka emibili kwaye emva koko ufumane i-$ 200,000 eyongezelelweyo ngaphezu kweminyaka emine okanye ngaphezulu. Kulo mzekelo, isivumelwano sihlawula i-50,000 ngonyaka ngonyaka ubuncinci kwiminyaka emithandathu, kodwa ukunyamekela kuya kuhlala ixesha elide xa kuncinci inzuzo efunekayo. Kwakhona, ukuba unonophelo lwangexesha elide alunakufunwa ukuba ixabiso lokuhlawula liza kuhlawulelwa isamba semali kuye nawuphi na umntu onelungelo lokufumana inzuzo.
Ngaba i-Hybrid Policy iya kusebenza kuwe?
Le mizekelo yimizekelo eyisiseko kuphela yemigaqo-nkqubo ye-hybrid esebenza ngayo. Oko kukuthi, i-coverage iyahlukahluka kumntu ukuya kumntu kuxhomekeke kwiminyaka yobudala, impilo, isini, ii-premiums kunye nezibonelelo eziceliwe. Ukuze ufumane isilungiso esilungileyo, umzekeliso uya kufuneka kwi nkampani yinshuwalense. Ezi mveliso ezinokubambisana zinokuhlangabezana neemfuno zabathengi kwaye zinike iziqinisekiso ezininzi ngokudibanisa i-inshorensi yenkathalo yenkcubeko yenkxaso eninzi kunye neenzuzo ze-inshorensi yobomi okanye i-annuity policy. Ngaloo ndlela, abathengi abasebenzisa imigaqo-nkqubo ye-hybride banokuphepha ukuzinyamekela kwiinkcitho ezinxulumene nexesha elide kunye noxolo lwengqondo oluhambelana nesicwangciso esibanzi.
I-AM iyakwakhe kwaye iSebenzi le-inshurensi yase-Ohio.