Khusela intsapho yakho ubomi kunye nama-premium azinzile
Sisiphi isizathu sokuthenga "inshorensi yobomi"? Njengoko igama lithetha, i-inshorensi yonke "yobomi" ifuna ukuhlala ubomi bakho bonke. Oku kuchasene nomgaqo-nkqubo womshuwalense wesikhashana we-inshorensi obandakanya inani elithile lexesha elifana ne-10-, 20-, okanye 30-year term. Kukho izizathu ezininzi ezifanelekileyo zokuthenga umgaqo wonke wobomi. Umgaqo wonke wobomi awuphelelwa lixesha kwaye kwiimeko ezininzi, i-premium ayinyuli ngaphezu komgaqo-nkqubo. Ezinye iipolisi nazo zakha ixabiso lentengo onokuboleka kuyo. Ufuna uncedo oluncinane lokufumana ipolisi efanelekileyo? Nazi ezinye zeendlela ezikhethekileyo zomshuwalense wobomi.
01 Ubomi obuBomi obuBomi boBomi boBukumkani obuBomi obuBomi obuKhezulu bokuBala iCash Value
Izinzuzo zokufa ziqinisekisiwe ngokusebenzisa umgaqo-nkqubo wobomi bonke be-MassMutual, oko kuthetha ukuba umxhamli we-inshorensi yobomi bomshuwalense ufumana inkokhelo yokuhlawulwa kwemali ngaphandle kokufa. Iintlawulo zexabiso lekheshi zakha ngaphezu kobomi bomgaqo-nkqubo. Ukuba ukhangele ukusebenzisa i-inshorensi yakho yobomi njengesongezelelo semali yakho yomhlala-phantsi, ixabiso lemali yenkqubo yomshuwalense wobomi bonke inokunceda ukufaka isandla njengomthombo wemali engenayo. Umgaqo-nkqubo wobomi be-MassMutual uphinde unikezele izabelo zomgaqo-nkqubo, oku kuthetha ukuba ufumana iintlawulo zentengo yemali ngonyaka. I-MassMutual "i-A ++" ivakaliswe yi-AM Best and Insure.com ii-MassMutual kakhulu kwindawo "yexabiso lentengo."
02 Ubomi obuBomi boBomi boBomi boBomi obuBomi boBomi boBomi obuMgangatho oPhambili
I-Northwestern Mutual iyona ebhaliweyo ebhaliweyo yomshuwalense wobomi e-United States. Inika iintlawulo zentlawulo yomvuzo kwi-inshorensi yonke yobomi bomshuwalense. I-Northwestern Mutual Mutual yafumana amanqaku angama-4 ngaphandle kwe-5 kwinqanaba lokuneliseka kwabathengi abasuka ku-JD Power & Associates. Ukukhishwa kwe-premium umgibeli we-Northwestern Mutual ufumanekayo, ohlawula i-premium yakho ye-inshorensi xa unokukhathazeka ngokulimala. Iimali-mali ziqinisekisiwe ukuba zingabinyuli kwaye yonke imigaqo-nkqubo yomgaqo-mpilo evela kwiNyakatho-ntshona iqokelela ixabiso lentengo ehlawulwa irhafu. Amanqanaba e-inshorensi yobomi beNtshonalanga yeNtsholongwane iyancintisana kakhulu, ngokukodwa kubantu abadala.
03 Ubomi obuBomi boBomi obuBomi obuBomi obuBomi obuBomi obuBomi obuBomi obuBomi obuBomi obuBomi boBomi boBukumkani baseNew York
Ubomi baseNew York buye lwafumanisa ngokukhawuleza ukuqina kwamandla emali kwiinkampani ezine ezinkulu ze-inshurensi (AM Best Best, Fitch Ratings, IiNkonzo eziMgangatho kunye neeMali kunye ne-Moody's Investor Services). Kutheni kubalulekile amandla ebomali kwinkampani yakho yomshuwalense? Amandla emali yenkampani yomshuwalense ibonisa ukuba nakho ukuhlangabezana neembopheleleko zemali nokuhlawula nayiphi na ibango elinikeziweyo. Kubaphathi bepolisi, oku kuthetha ukuhlawulwa kweentlawulo eziphezulu.
04 Ubomi obuBomi boBomi obuBomi obuBomi obuBomi obuBomi obuBomi boBuhle (Abagibeli): iMetLife
I-MetLife ifumene usezingeni leNombolo 2 ekunelisekeni kwamakhasimende evela kwi-JD Power & Associates. Umgaqo-nkqubo womshuwalense wobomi we-MetLife unikeza inqanaba eliqinisekileyo le-premium kunye neenzuzo zexabiso lemali. Iintlawulo zentlupheko zifumana ukuqala ngomnyaka wesibini kwixesha lomgaqo-nkqubo. I-MetLife inikezela abaphathi-nkqubo ithuba lokuncedisa ngakumbi umgaqo-nkqubo kumgaqo-siseko ngento ebizwa ngokuba ngumgibeli womgaqo-nkqubo. Abahamba ngeenqwelo zomgaqo-nkqubo bafumanekayo: I-Rider Rider (inketho yokongeza i-coverage kunye nexabiso lentengo ngokukhawuleza kwexesha njengoko uyifunayo); Inzuzo Yokufa Kweengozi (intlawulo eyongezelelweyo yokufa ngenxa yengozi); I-Term Term Rider yabantwana (ingcaciso eyongeziweyo kubantwana bakho); Ukunakekelwa kweNkxaso (ixabiso lentengo elitholakalayo lokugula ixesha elide kunye nokufikeleleka kuma-90 ekhulwini wexabiso lomgaqo-nkqubo); I-Flex Term Rider (i-term life policy ingongezwa ukuba yongeza kwenkxaso yexesha elithile); kunye nokuKhubazeka kokukhubazeka (i-premium ikhutshwe ngokukhubazeka kweenyanga ezintandathu okanye ngaphezulu).
05 Ubomi obuBomi boBomi boBomi obuBomi obuBomi obuBomi boBomi obuPhezulu ngokuSigxina: I-Transamerica
Umgaqo-nkqubo womshuwalense wobomi bonke we-Transamerica ufumaneka kwiimali ukuya kuma-50,000. Iqumrhu le-inshorensi yonke yobomi iyatholakala nangomqeshi wakho njengenzuzo yokuzithandela ngokumalunga nama-25,000. Imigaqo-nkqubo ye-inshorensi yonke yobomi iyatholakala kwi-Transamerica eyenzelwe ukufihla izindleko zomngcwabo kunye nezinye iindleko zokugqibela. IiNyanga ziqinisekisiwe ngobomi xa nje uqhubeka uhlawula i-premium yakho. Ukuqokelelwa kwemali (eboshwe kwintsebenzo-mali-mali) iyafumaneka kwaye ingahlawulwa kwaye irhafu ehlawulwa ngokuqokelela imali ingachazwa. Inzuzo yokufa ngokukhawuleza ihlawula inxalenye yemisebenzi yokufa komgaqo-nkqubo xa unesigulo sokugula, isigulo esingapheliyo okanye isifo esibuhlungu njengentliziyo yesifo okanye isifo emva kokusebenza komgaqo-nkqubo. I-Transamerica ine-"+ +" yamandla okulinganisa imali evela ku-AM Best.
06 Ubomi obuBomi boBomi obuBomi obuBomi boBomi obungabikho kweeMviwo zeMpilo: I-Omaha
I-Mutual ye-Omaha ayifuni iimviwo zonyango ngokubonelela kwaye unikezela i-inshorensi yonke yobomi kwixabiso ukusuka kwi-$ 2,000 ukuya kuma-25,000. Imigaqo-inshorensi yobomi bonke ikhona kubantu abaneminyaka engama-45 kuya kwe-85 (kwi-NY, 50 ukuya ku-75). Intsholongwane ye-inshorensi yonke yabantwana nayo iyafumaneka. I-Mutual ye-Omaha ine-"A +" yokulinganisa kwemali esuka ku-AM Best. Kukho inzuzo yokufa ngokuxhomekeka kwiminyaka emibili yokuqala yomgaqo-nkqubo, intsingiselo, ukuba ngeminyaka emibili yokuqala yomgaqo-nkqubo ukufa kubangelwa zizizathu zendalo, umxhamli ufumana iiprayimari zonke ezihlawulwe kunye neepesenti ezili-10. Ukufa ngokulimala ngengozi, izibonelelo ezipheleleyo ziyafumaneka ngokukhawuleza xa umgaqo-nkqubo usasebenza. Ubungqina buqinisekisiwe nje ngokuba uqhubeka nokuhlawula i-premium yakho yenqubomgomo. Ekubeni uMthendeleko we-Omaha uyinyani, uhlawulela abaphathi bemigaqo-nkqubo ngendlela yokuhlawula iintlawulo.
07 Ubomi obuBomi boBomi obuBomi obuBomi obuBomi obuBomi obuBomi obuBhetele boBucala boKhuseleko: I-Guardian
Ukongeza kokuhlawula igalelo lomgaqo-nkqubo, i-Guardian iphinda iphumelele kwizinto ezikhethiweyo ezikhoyo kubathengi abafuna ukuqokelela ixabiso lemali. Enyanisweni, kukho iintlobo ezisibhozo ezikhethiweyo zexabiso lemali, ezigqithiseleyo kunabanye bomshuwalense. Guardian ine "A ++" ukulinganiswa kwemali esuka ku-AM Best. Umgaqo wonke wobomi nge-Guardian unikezela i-premium eqinisekisiwe, ukuqokelela kwexabiso lemali, ukuhlawulwa kwemali yentlawulo kunye neentlawulo zerhafu ezifana nokukwazi ukuchasa irhafu yentlawulo kunye nezihlawulelo eziqokelelwa kumgaqo-nkqubo wakho. Kwakhona, ukuba ufanele uboleke kumgaqo-nkqubo wakho, umbolekiso awukwazi ukubalwa njengenzuzo yengeniso yerhafu. Abaninzi abagibeli bafumanekayo, kubandakanywa ukukhishwa kwe-premium, ukuxhamla ngokukhawuleza kokufa, ukuqinisekiswa okuqinisekileyo kunye nokufa ngokukhawuleza kokufa.
08 Ubomi obuhle kakhulu bokuhlawula i-Premium yakho yokuqala: Iifama zaseburhulumenteni
Umgaqo-nkqubo womshuwalense wobomi ovela kwiFama yeSizwe unemivuzo eninzi, kubandakanywa ukufihla ixesha lokuphila, ukufikelela kwixabiso lemali (ukuhlawulwa kwentela), inzuzo yokufa okuqinisekileyo kunye neenqanaba ze-premium kwizinga lomgaqo-nkqubo. Imingcele yomgaqo-nkqubo ikhona ukuya kuma-100,000. Ifama yeSizwe nayo inezo zibiza ngokuthi "IziCwangciso zoKhuseleko zeNtlawulo eziNcinci" kwi-10, 15 okanye iminyaka engama-20. Kuthetha ukuthini ukuba unokuhlawula ngokupheleleyo i-premium yakho ye-inshorensi yexesha elikhethiweyo, kwi-10, 15 okanye kwiminyaka engama-20. Oku kuya kukunceda ukuba ugweme ukuhlawula i-premium yomshuwalense ngexesha lokuthatha umhlalaphantsi.
Uyakulungele ukufumana iintlawulo zentlawulo kodwa ezi ziqinisekisiwe. Ukuba ufuna ixabiso kwi-inshorensi yonke yobomi, ifama yeSizwe inikezela izaphulelo zeprogram ngaphezulu kunezinye i-inshorensi ezininzi; (Iipesenti ezingama-67 kunye nama-40 ekhulwini kumlinganiselo weshishini). Ifama yeSizwe inika i-intanethi ukucaphula umgaqo-nkqubo wayo wobomi. IFama yeSizwe "I-++" ivakaliswe ngu-AM Best kwaye ine-rating ephezulu ukusuka kwi-JD Power & Associates kwindawo yokwaneliseka kwabathengi.