Ngaba Ndifuna Ubomi Bomshuwalense? Zingaphi Ukuthenga?
Indlela yokwenza umbuzo wokuqala ekuqaliseni ukuba ufuna i-inshorensi yobomi engaphezu kwe-50 kukuthi ngubani oxhomekeke kuwe ngokwezimali. Emva koko kufuneka uqaphele ukuba yeyiphi imali enokuthi yanele ukuba ithathe indawo yinto owanikezela ngayo ngoku.
Ngubani oxhomekeke kwizeMali kuwe?
Abaxhomekeke kwiimali banokuquka umlingane, abantwana, abazali okanye umntakwabo onika inkxaso ngemali. Ukubonisa ukuba uncedo olunjani lwemali owanikezelayo. Baya kukwenza ntoni ukuba uhambe? Unokuthenga umgaqo-nkqubo we-inshorensi yomntu kwaye ubiza abaxhamli abaninzi, ngoko ke unikezela inani elithile kubantu abaninzi ngaphandle kokuthenga iinkqubo ezininzi ze-inshorensi yempilo.
Ukuba akukho mntu uxhomekeke kuwe ngokwezimali, usenokufuna inshuwalense yomshuwalense kuba unqwenela ukubonelela umntu. Ngokomzekelo, abanye abazali banqwenela ukuhlawula i-premium yenyanga okanye yonyaka ukwenzela ukuba bayazi ukuba imali ehleliweyo iya kubhatalwa kubantwana babo ekufeni kwabo. Abanye abazali bajonga ukuba abantwana baya kufumana nantoni eseleyo, kwaye oko kuya kukwanela. Yona khetho.
Unokufumana i-inshorensi yobomi ngaphezu kwama-50?
Ukufumana i-inshorensi yobomi kufuneka uphumelele phantsi. Le nkqubo ibandakanya ukuphendula imibuzo yezempilo kwaye ngokuqhelekileyo kufuna ukuba onesi sihlolisise ukuhlolwa.
Ukuba unempilweni enempilo, ukuhamba phantsi kufuneka kungabikho nkathazo. Ukuba uneminyaka engaphezu kwama-50, umntu otshaya, kunye / okanye ube neengxaki zempilo ezicokisekileyo, unokufumana i-inshorensi yobomi kodwa uya kufuneka uhlawule ngaphezulu kunomntu onempilo okanye ongabhemi.
Uninzi Kangakanani Ubomi Bomshuwalense?
Ukumisela inani elifanelekileyo le-inshorensi yobomi kuya kubaluleka.
Xa uthenga ngakumbi, iya kuba yindleko. I-inshurensi yomshuwalense wentsholongwane iya kuba nefuthe lokuncoma ukuba udinga inshorensi yoluntu eyongezelelweyo, njengoko ihlawulwa kwikhomishini. Unokuba unqwenela ukufuna iinkonzo zekhomishini yomcebisi wekhomishini ukuze uncede ukuba ubone ukuba ufuna i-inshorensi yobomi, kwaye ukuba kunjalo, umlinganiselo ofanelekileyo. I-inshorensi yobomi ifanele ifanelwe kwisicwangciso sakho semali sonke kwaye yenzelwe ukukunceda ufezekise iinjongo kunye neenjongo zakho, kubandakanywa nenjongo yokubonelela abathandekayo xa usuhambe.
Yiyiphi i -inshorensi yobomi omele uyithenge?
Zininzi iintlobo zomshuwalense wobomi. Ininzi yomshuwalense wobomi ingaqulunqwa kwiibakala eziphambili: i-inshorensi yobomi bentsholongwane yemali yomshuwalense wobomi.
Imisebenzi yobomi besikhokelo kufana nezinye iindlela ze-inshurensi. Unayo i-premium yonyaka, kwaye nje kuphela xa uhlawula unayo inshorensi yobomi. Nje ngezinye iinjongo ze-inshorensi, akukho mali ekhokhelwe kwikota yomshuwalense wobomi.
Ngexabiso lemali yomshuwalense wobomi inxalenye ye-premium oyihlawulayo iya kuhlawula indleko yinshurensi kwaye inxalenye iya kwi-akhawunti yokulondoloza. Inkokhelo yemali yomshuwalense wobomi ivela kwiintlobo ezininzi ezifana ne-inshorensi yomntu wonke, ubomi bendalo kunye nobomi bendalo jikelele.
Uhlobo ngalunye luya kuba nezikhokelo ezahlukileyo ezisebenzisayo kwixabiso lakho lemali elitshaliweyo, kwaye nini kwaye ungayifumana njani na.
I-inshurensi yesikhashana ilungele iimfuno zesikhashana, ezifana nokubonelela iikholeji yengane yakho, okanye ukuhlawula imali. Xa abantwana bekholejini, okanye imali ehlawulwayo, i-inshurensi yomshuwalense ayihlawulwanga kwakhona ukuze uyikhansele.
Inkokhelo yentengo ye-inshorensi yobomi ikulungele iimfuno ezingunaphakade, intsingiselo kungakhathaliseki ukuba uhlala ixesha elingakanani, ufuna ukwazi ukuba unomgaqo-nkqubo oza kuwuhlawula xa usweleka. Inkokhelo yemali yomshuwalense wobomi ingabonelela nendlela yokwandisa imali engenakuhlawulwa kweerhafu kubantu abanomvuzo ophezulu kakhulu abaye baxhasa ngokupheleleyo inkxaso-mali nezinye izicwangciso zokulondoloza iirhafu ezilandelwayo ezifana ne-401ks nee-IRA.
Yintoni Endiyifunayo Ukuba Ndiyazi Ngobomi Bomshuwarensi ngaphezu kwama-50?
Kukho iindlela ezimbini zokubheka i-inshorensi yobomi: njenge-inshorensi kwaye njengotyalo-mali.
Okokuqala kwaye phambili, ithorensi. Uhlawula iindleko ze-inshurensi ngaphakathi kuyo yonke inshorensi yobomi bomshuwalense
Ukuba uyayibheka njengotyalo-mali, unako ukubala inani langaphakathi lokubuyisela umgaqo-nkqubo unokubonelela, kuxhomekeke ekubeni uhlala ixesha elingakanani.
Umzekelo, ukuba uhlawula i-$ 5,000 ngonyaka nge-inshorensi ye-500 000 ye-inshorensi yomshuwalense kwaye ufe iminyaka emihlanu kamva, loo mgaqo-nkqubo wanikezela ngenani lokubuyisela eli-326%. Ukuba uhlawule i-$ 5,000 ngonyaka iminyaka engama-30 kwaye wada wafa, loo mgaqo-mali ukhokhele ukubuyiswa kwe-6.94% kwimali yakho.
Abanye abantu bathenga i-inshorensi yobomi kubazali babo njengotyalo-mali. Oku kunokuba kunqabileyo okanye kungafanelekanga, kodwa kungasetyenziswa isicwangciso esisebenzayo njengengeniso yomshuwalense yokuhlawula ngokuqinisekileyo . Ezinye iinkampani ziya kukhupha i-inshorensi yobomi kubantu nakwii-80 zazo. Iiprayimari zale minyaka ziya kuba zibiza kakhulu, kodwa kwakhona, abanye abantu bakhangele oku ngokungqongqo njengotyalo-mali kwaye banqume ukuba kuyafaneleka.