Iintlawulo zokufa ezihlawulwa kwiinkampani zomshuwalense zonyango ziphantsi kweerhafu zerhafu kwiimeko ezimbini.
Okokuqala, ukuba inzuzo yokufa ihlawulwa kwifa le-insured, ke yonke imali yesibonelelo sokufa ifakiwe kwi-estate kunye ne-tax tax. Okwesibini, ukuba umntu ofileyo ubophe umgaqo-nkqubo ngomhla wokufa, yonke imali yesibonelelo sokufa iqukwa kwifa kunye neentlawulo zerhafu.
Uninzi lwabantu lubiza abantu njengabaxhamli, ngoko ke inzuzo yokufa ayihlawulwa kwifa. Intlawulo yerhafu ye-inshurensi ilawulwa yinkalo yesibini, oko kukuthi, umnini-nkqubo. Ngaba uyazi ukuba ngubani onomgaqo-nkqubo we-inshorensi?
Ngubani ophethe iPolisi?
Inqubomgomo yomshuwalense ngumvumelwano phakathi komnini-nkqubo kunye nenkampani yomshuwalense. Iimvumelwano zekhontrakthi zinikezela ukuba zitshintshwe ekuhlawuleni iiprayimari, inkampani ye-inshorensi iya kuhlawula inzuzo yokufa kumntu ozuziweyo ngumnini. Ixesha lokuhlawula inzuzo yokufa ngumhla wokufa kwe-inshurensi.
Umnini unamalungelo okuphila kwintrakthi. Umnini unakho ukuboleka kumgaqo-nkqubo, ukukhansela umgaqo-nkqubo kwaye ufumene ixabiso lokunikezela ngemali , ukhethe umxhamli kwaye usebenzise nayiphi na inketho yomgaqo-nkqubo ekusebenziseni izabelo okanye iimpawu zokuguqula. Umnini ngumntu owenza isicelo se-inshurensi.
Uninzi lwexesha, umbuzo othi ngubani omele abe ngumnikazi wepolisi axoxwa ngayo xa isicelo se-inshurensi sigqityiwe. Ngokuqhelekileyo umshwalense ngumnini.
Umzekelo, ukuba umyeni ufuna ukuthenga i-inshorensi ebomini bakhe, ngokuqhelekileyo ungumfaki sicelo / umnini. Ubomi bomyeni bukhuselekile, kwaye umfazi ogama lakhe lingumcebisi oyintloko kunye nabantwana njengabaxhamli.
Ukuba indoda iyafa kuqala, inzuzo yokufa iyahlawulwa kumfazi. Ixabiso elipheleleyo lexabiso lokufa lifakwe kwifa. Akuhlawulwanga ngolu hlobo kuba lufanelekile ukutsalwa komtshato. Umfazi ke unako ukufikelela kule mali, kwaye ngaphandle kokuba isetyenziswe, iya kuba phantsi kwentela yendawo yokuhlala. Ukuba umfazi uyafa kuqala, ngoko ekufeni komyeni, inzuzo yokufa iyahlawulwa kubantwana. Ekubeni umyeni wayengumninimzi womgaqo-nkqubo, inzuzo yokufa ifakwe kwifa kwaye ilawulwa yerhafu yezindlu.
Ukusinda Umfazi
Ngaphantsi komthetho werhafu we-estate, ubuninzi beempahla ezidlulayo kumlingane ohlalayo azikho phantsi kwerhafu yezindlu. Kungenxa yokuba kukho ukuncitshiswa okukhoyo, okubizwa ngokuba kukutsalwa komtshato, ngenxa yexabiso lepropati edlulayo kumlingane osaphila.
Izibini ezisebenzise le ndlela yokucwangciswa kwezindlu, akukho ntlawulo ehlawulwayo kwaze kwaba sekufeni komsindisi .
Makhe sicinge ukuba akukho mlingane osindayo, mhlawumbi ngenxa yokuba iqabane lidlulile, okanye umgcini-mthethweni wayengatshatanga ngexesha lokufa. Ukuba umgcini-mvume wayengumninimgomo we-inshorensi ekuqinisekiseni ubomi bakhe, ixabiso elipheleleyo lexabiso lokufa liphantsi kwerhafu yefa. Makhe sicinge ukuba umzuzi ngumntwana olahlekileyo. Kuthekani ukuba, endaweni yokuba umntu ohloniphekileyo ube ngumnikazi womgaqo-nkqubo, umntwana ungumnini?
Ukuba umntwana unomgaqo-nkqubo womshuwalense wobomi owenziwe kumzali (abazali), ekufeni komzali izibonelelo zihlawulwa kumntwana, okanye kunoma yimuphi umxhamli otyunjwe ngumntwana. Ingakanani inzuzo yokufa ifakwe kwisakhiwo somzali kunye nokuxhomekeka kwerhafu yefa?
Unothi. Kunene-zero. Inzuzo yokufa ifumaneka ngaphandle kwentlawulo.
Ngokucacileyo, ubunini bomgaqo-nkqubo we-inshorensi yobomi kubaluleke kakhulu kwimeko yentlawulo yexabiso . Ukuba umgaqo-nkqubo wawungama-$ 500,000 kwaye ifa likwiphepha elingama-50 ekhulwini, sithetha ngokugcina i-$ 250,000 kwerhafu.
Ukutshintsha ubunini bemigaqo-nkqubo ye-inshorensi yobomi yinkqubo ebalulekileyo yokucwangciswa kwezindlu. Utshintsho lobunikazi kukudluliswa komgaqo-nkqubo kwaye kuthathwa njengesipho. Ixabiso lesipho yinto ethiwa "ixabiso lokugcinwa kwexabiso lokugcina" lomgaqo-nkqubo. Ixabiso lokugcinwa kwebhanki lokugqibela elibhaliweyo libala ubunzima benkampani yenkampani yinshuwalense iya kunika yona, kwaye yiphi na amava am, isebenza rhoqo kwizinto ezikufutshane nexabiso lemali yomgaqo-nkqubo.
Ukuze inkqubo yokudlulisela iphumelele ekususeni inzuzo yokufa kwi-estate taxable, umnikazi woqobo kufuneka asinde ukudluliswa kweminyaka emithathu. Ukuba ukufa kubonakala kwiminyaka emithathu yokudluliselwa, i-decedent ibonwa njengomnini-nkqubo kwaye ixabiso elipheleleyo lexabiso lokufa libandakanya. Ukuziphatha kwebali: Musa ukulinda; yenza ukutshintshwa ngokukhawuleza njengoko unakho.
Abantu abaninzi bathumela iinkqubo zabo kwi- trust instead of children or others. Ezi zithemba zibizwa ngokuba yiNtsholongwane ye-inshorensi ye-Life Transformance okanye "ILIT's."