Nini i-Inshorensi yoBomi be-Universal i-Option Good and What to Look for
Ubomi bomshuwalense wobomi bendalo (UL) ngumgaqo-nkqubo womshuwalense wobomi bomshuwalense odibanisa iinkalo ze- inshorensi yobomi kunye nenketho yokulondoloza imali. Ubomi bendalo bunye budibanisa amandla okwakha imali ngexesha elifanayo njengoko kukubonelela ngenqubomgomo yomshuwalense wobomi. Oku kuvumela ukuguquguquka kwinto ongayenza ngayo ngongoma okanye utyalo-mali we-premium. I-inshorensi yobomi bendalo yonke iqulethe isicwangciso sesicwangciso-mali sokuhlala ixesha elide kuba bekufunayo ukuba wakhe izindinganiso kwisabelo sotyalo-mali ngenye yemali oyihlawula ngenyanga.
Izinketho ze-inshorensi yobomi bendalo: I-inshorensi ye-Universal Life Insurance (IUL) neL
Impumelelo yenkqubo yomshuwalense wobomi bendalo ixhomekeke kakhulu kutyalo-mali kwisicwangciso owukhethayo kunye nentengiso yemisebenzi. Kwiminyaka edluleyo, bekukho iingxaki kwiimali zengeniso-mali ye-Universal Life Insurance ngenxa yemarike engaqinisekanga. Ngenxa yoko, i- inshorensi yobomi bendatshorensi ye-indalo (i-IUL) iguqulele ukujongana neengxaki zokuguqula iimarike kunye nezinye zeengxaki ezijongene nabo bezithengile ubomi bendalo kwimihla embalwa edlulileyo. Xa ucinga ngomshuwalense wobomi bendalo, i-IUL ibonakala inika ukhuseleko olungaphezu kweL. Kuya kubakho ukubuza umcwangcisi wezemali malunga nalezi zikhetho kwaye ubone indlela ezihambelana ngayo neemfuno zakho kunye nesicwangciso sexesha elide.
Ubomi Bomshuwalense Wobomi Bendalo Yonke?
Inxalenye yomshuwalense wenyanga yomshuwalense we-inshorensi yendalo yonke ifakwe kwiindleko zomgaqo-nkqubo wokuphila oya kunika inzuzo yokufa kwabaxhamli bakho kunye nesinye isahlulo se-premium ityaliwe ukwenzela ukuba ingasetyenziselwa ukulondoloza imali.
Ingcamango kukuba utyalo-mali luya kukhula emva kwexesha kwaye ekugqibeleni unakho ukuhlawula iiprayimari zesahlulo sobomi bomgaqo-nkqubo. Inzuzo kule meko iza kuba unakho ukuhlawulela kwinani elithile leminyaka kwaye utyalo-mali ekugqibeleni luqala ukuhlawula iindleko ze-premium, kwaye ugqiba ukufumana inshorensi yobomi impilo yonke , kodwa akudingeki ugcine ukwenza ezo ntlawulo.
Ukuqonda i-Universal Life Insurance kunye neCash Value
I-inshorensi yobomi bomshuwalense wendalo yonke inika ithuba lokufumana i-inshorensi yokufa kwe-inshorensi yobomi ngelixa uncedisa ukwakha imali engagxothwa ngaphandle, okanye uhanjiswe kwingxenye yotyalo-mali yomgaqo-nkqubo kwinkokhelo yomshuwalense womshuwalense njengoko iimeko zakho zobomi ziguquka. Imigaqo-mali yemali yomshuwalense wobomi njenge-inshorensi yobomi bomshuwalense yendalo ingasetyenziselwa njengempahla yokugcina imali kwezinye iindawo ezinkulu zokutshala imali, njengokugcina ukuhlawula kwikhaya lakho lokuqala.
Ixesha lokuthenga i-Inshorensi yobomi bendalo
Ukuthenga i-inshorensi yobomi bendalo yangaphambili ebomini, kufana ne-20 okanye ye-30 yakho iya kuvumela ithuba elikhulu lokukwakha ifa lakho.
Umgaqo-nkqubo we-inshorensi yobomi yendalo yonke iya kuba yimizuzu engama-10 ukuya kwe-15 ngaphambi kokuba uqale ukuphuma okanye utshintshe utyalo-mali. Ukuba uthengela umgaqo-nkqubo wobomi kwiminyaka yonke, unokukhuselwa ukuba ube nenqubomgomo yobomi ngexesha uhlala phantsi kwaye unabantwana, kwaye unokukwazi ukusebenzisa inxalenye yexabiso le-asethi njengento yokuhlawula ekhaya lakho lokuqala . Nangona kunjalo, oku konke kuxhomekeke kulolu hlobo lobomi obunyuliweyo kunye nokusebenza kwemarike. Gcina ukhumbule ukuba xa uthenge inshorensi yobomi xa usemncinci, uya kuxhamla kumaxabiso aphantsi, ngoko ukuba ucinga ukuba inshorensi yobomi iyabiza ngoku, khumbula ukuba kuya kuba yindleko nje xa ukhula.
Isicwangciso sakho sobomi bonke kufuneka siphume xa usenza isigqibo nge-inshorensi yobomi.
I-inshorensi yobomi bendalo yonke njengesiCwangciso sokwakha ubutyebi nokugcina inzuzo yokufa
Umgaqo-nkqubo womshuwalense wobomi wendalo-jikelele uvumela ukuba wakhe ubutyebi bakho ngelixa uqinisekisa ukuba unomgaqo-nkqubo womshuwalense wobomi oqinileyo. ngokuchasene ne- inshorensi yobomi beminyaka .
Inzuzo enkulu ye-inshorensi yobomi bomshuwalense yinto yonke ingenakho ukuhlawula iiprojama zobomi bomshuwalense, kodwa kunjalo unesiqinisekiso kumhlala-phantsi wakho. Njengoko ukhula kwaye unemithwalo yemfanelo yemali, unokukwazi ukunciphisa kwiindleko ezifana ne-inshorensi yobomi yintlekele ecacileyo. Ukuba udala, umgaqo-nkqubo wobomi bendawo yonke awukwazi ukwenza ingqiqo eninzi njengomgaqo- nkqubo wobomi obutyalo-mali okhuselekileyo kwaye unikezela ngeenzuzo ezongezelelweyo.
Qaphela: Ubomi bemi-inshorensi yobomi buxhomekeke kwi-Market Stability Work Work
Nangona i-inshorensi yendabuko yomshuwalense wobomi bendalo yinto eyaziwayo nekhuselekileyo kwiminyaka emashumi edlulileyo edlulileyo, njengoko imeko yezemali kwiminyaka emibini edlulileyo ibone ixesha lokungazinzi, iinjongo zomgaqo-nkqubo wendalo wendalo zinciphile kwaye zibe yingozi kakhulu. Ubomi boBomi bendalo buhlukile kwi-inshorensi yobomi ngenxa ye-investment factor of premiums. Ukuba ii-premiums zityalwe kwimarike engaqinisekiyo, ke utyalo-mali lwakho luyakumngcipheko.
Iintlobo ezimbini ze-Universal Life Insurance:
- I-inshorensi yoBomi bendalo yonke (UL)
- I-inshorensi ye-Universal Life Insurance (IUL)
Ngenxa yokuguqulwa kweemarike zentengiso, imodeli yomshuwalense weL UL ingaba yingozi kakhulu, ngoko ke ukuba ukhangela inkcazo ye-inshorensi yempilo eya kukunceda ngokulondolozwa, ke qiniseka kwaye uxoxe ngemiphumo yakho inxalenye yesityalo-mali iya kuba Imarike yemasheya isweleka. IUL ingaba yindlela ekhuselekileyo.
I-Advantage ye-Universal Integrated Life (IUL) kunye Nento Okufuneka Uyazi Ngayo
Abantu abaninzi baye balahlekelwa ngumgaqo-nkqubo we-inshorensi yobomi okanye utyalo-mali xa befaka imali kwimveli yobomi bendalo yonke kwiminyaka eyi-20-30 edlulileyo, nangona kunjalo umgaqo-nkqubo omtsha we-universated indexed uphuhlisiwe ukwenzela ukubonelela ngeendlela ezikhuselekileyo. Ukukhetha umgaqo-nkqubo uza kukunceda ukwakha i-asethi yakho nokwakha ubutyebi bakho ngelixa ufumana inzuzo yokufa kwabaxhamli bakho.
I-Universal Life Insurance
Ukuba uthenge inshorensi yobomi bendawo yonke ebusweni bakho, unokufumana ithuba elihle lokuzongenisa imali ngezinga lentengo eguquguqukayo, ukuguquguquka nokukhethwa kwemali. Ngaphandle kokubonelela ngenzuzo yokufa, i-inshorensi yobomi bendalo iquka inqwelo yokugcina. Ngamafutshane, kufana nokudibanisa umgaqo-nkqubo we-inshorensi yobomi kunye nenzala echazwe ngerhafu eqokelela i-akhawunti yokulondoloza.
Qinisekisa ukuba unommeli womshuwalense owaziyo ukuphonononga ezinye iinketho ezifana ne-inshorensi yobomi kunye ne- inshorensi yonke. Ubomi bomshuwalense wobomi bendalo yinto ekhethekileyo efuna uphando kunye nokucebisa ngokucwangcisa imali. Xoxa ngezinto ezenzekayo kwi-inshorensi yobomi kwixesha elidlulileyo, ukuqonda indlela oya kuphephe ngayo ukuphazamiseka kwezinto ezininzi abantu abaye bahamba ngazo xa iimarike ziphendukile. Kubalulekile ukuziva ukhululekile kwisigqibo sakho. Yimali yakho kunye nesicwangciso esiqilileyo sokwakha ubutyebi bakho, isigqibo esilungileyo singakuhlawula amawaka.