Imirhumo ekhethiweyo yokuhlawula iyakwazi ukuphakama - ngoko ubuze ngaphambi kokuba uthenge.
Imirhumo ehlawulelwayo yokuhlawula iwele ezi zigaba ezintlanu zilandelayo.
- Iindleko zokufa (iM & E)
Le ntlawulo ehlawulwe yinkampani yomshuwalense ukukunika inzuzo yokufa (kaninzi nje isiqinisekiso sokuhlawulela abaxhamli bakho ubuncinci oko kwafakwa). Le ntlawulo ye-annuity fee iyahluka ukusuka kwi-50 - 1.5% yexabiso lomgaqo-nkqubo ngonyaka. - Indleko zo lawulo
Imigaqo-nkqubo ye-annuity eguquguqukayo inomrhumo wolawulo ohlukeneyo wokugubungela iindleko zokuthumela iiposi kunye nenkonzo eqhubekayo. Le ntlawulo ingaba ukusuka kwi -10 - .30% yexabiso lepolisi ngonyaka. - Umyinge weendleko
Ngaphakathi kwintengo eguquguqukayo, i-stock and stock investment bond, ebizwa ngokuba yi-sub-accounts, iya kuba nemali yokulawula utyalo-mali ingahlawulela .25 - 2.00% yexabiso kwi-akhawunti nganye ngonyaka. - Iindleko ezongeziweyo zabagibeli
Abagibeli bayimpawu ezongezelelweyo kumgaqo-nkqubo wakho weentlawulo ezichaseneyo ezikunika iziqinisekiso ezongezelelweyo okanye iinzuzo zokufa. Ngokuxhomekeke kubukhulu benzuzo, abagibeli bangaba neendleko .25 - 1.00% yexabiso lepolisi ngonyaka.
- Ukunyusa iindleko
Imigaqo-nkqubo eninzi ihlawula ikhomishini yangaphambili kumntu othengisa umgaqo-nkqubo kuwe. Ukunikezelwa kwentlawulo kufakwa kwi-policy annuity policy ukwenzela ukuba ukuba ukhansele umgaqo-nkqubo kwangaphambili, inkampani ye-inshorensi inokubuyisela ikhomishini ekufuneka ihlawule ngayo.
Izinto eziphambili zokujonga ngeempembelelo eziguquguqukayo
Kwi-annuity eguquguqukayo, kukho ukhetho olufanayo lokutshala imali onalo ngaphandle kwenyanga eguquguqukayo.
Ukuba uhlawula i-3% okanye ngaphezulu konyaka kwimirhumo, i-annuity yakho kufuneka ibuyiselwe yonke imirhumo phambi kokuba uqale ukubuyisa inhlonipho.
Izibonelelo zintengiso ye-inshorensi, ngoko thabatha ixesha lokuqonda oko kukuthi uqinisekisa. Cinga ngeemali zokuhlawula imali njenge-premium yomshuwalense. Uhlawula inkampani yomshuwalense ukuba ithwale ingozi. Basenokufaka ingeniso yakho yengeniso yomhlala-phantsi ngokubonelela ngokukhawuleza , okanye ukuqinisekisa inani elithile lokufa lokuya kwiindlalifa zakho, okanye ukuqinisekisa ukubuyisela ubuncinci. Qinisekisa ukuba uyaqonda iingenelo ozithengayo.
Ukunikezelwa kweerhafu kunokuhluka ukusuka kwiminyaka emithathu ukuya kwiminyaka eyi-15 ubude, obangela ukuba uguquguquke. Ukuba iimeko zakho ziguquka, ezifana nokuqhawula umtshato, awukwazi ukuhlula i-akhawunti yakho ngaphandle kokuhlawula iindleko.
Ukongezelela ekuqondeni iifizi zentlawulo eguquguqukayo kunye neendleko, fumana ukuba umntu oyithengayo umyinge oza kuwenza ntoni xa kuthengiswa. Ungamkeli impendulo efana neyithi "Inkampani yam ihlawule." Indlela umntu ophendula ngayo lo mbuzo uza kukuxelela ezininzi malunga nohlobo lomntu ojongene naye. Inkampani yomshuwalense ingahlawula iikomishoni eziphakamileyo ezinama-5 kuya ku-9% wemali oyityalayo.
Aba bathengi bezezimali abanakho naziphi na izisombululo zokuza kunikela, kwaye oku akuvunyelwanga. Ukuba isincomo senziwe emva kokuba umntu eqokelele isicwangciso semali esipheleleyo kuwe, lo luphawu oluhle. Ukuba akukho cwangciso senziwe, qaphela.
Ngaphambi kokuba uthenge nantoni na evela kumthengisi wezezimali oza kufumana ikhomishini, unokufuna ukuthetha nomcebisi-mali kuphela . Umcebisi-kuphela umcebisi akakwazi ukufumana ikhomishini yokuthengisa utshalomali okanye iimveliso ze-inshorensi. Kufuneka ujonge kwakhona isicwangcisi somthengi we-SEC malunga noko kufuneka ukwazi malunga namaxesha ahlukeneyo.