Ukuqonda Ixabiso le-Cash Surrender Value kwi-Inshurensi Yakho Yobomi kunye nendlela Esebenza ngayo
Inkokhelo yokunikezelwa kwemali yintengo yemali yecandelo lotyalo-mali oluqokelelwayo lwe- inshorensi yonke yobomi okanye i- inshorensi yobomi bomshuwalense jikelele ehlawulwa kumnini-nkqubo xa kukhanselwa umgaqo-nkqubo.
Ukutshatyalaliswa kwi-Intshurensi Yakho Yobomi
Xa ugqiba ukunikezela nge- inshorensi yakho yobomi bomshuwalense, ucela ukuba ukhansele i-inshurensi yoluntu ngokutshintshela nayiphi na imali eqokelelweyo, imirhumo engaphantsi ehlawulwa yinkampani yinshuwalense.
Uthabatha imali okanye ixabiso lemali ngokutshintshana ngokushiya ilungelo "kwinshuwalense yobomi" okanye inzuzo yokufa. Kukho ezinye iindlela zokufumana imali kwi-inshorensi yakho yobomi, ngaphandle kokunikezela umgaqo-nkqubo, njengoko sixoxa ngezantsi.
Uluphi Uhluko phakathi kokufumana "Ixabiso lokuKhutshwa kweCash" okanye "Ukuboleka" kwiNtsholongwane yoMshuwalense?
Xa abantu, ngokubanzi, babhekisela kwixabiso labo lokunikezela ngemali, banokubhekisela kwelinye leengcamango ezimbini:
- Ixabiso lentyalo-mali uza kuyifumana xa ukhansela okanye "unika" umgaqo-nkqubo wakho. Ngokwenza oku, ngokuthi "unikezele" umgaqo-nkqubo ngokutshintshisisa imali yexabiso lemali, unikezela inxalenye yomshuwalense wobomi engafanelekanga kwaye ayikho. Oku kuthetha ukuba umxhamli wakho akasayi kuphinda afumanekele ukufumana nayiphi na inzuzo yokufa. Kunoko, uthatha ixabiso lokunikezela ngemali
- Ixabiso lentengo unako ukuphuma kwinkqubo yakho yomshuwalense wobomi nanini nayiphi na ixesha, umzekelo, ukuba unquma ukuboleka imali kwi-inshorensi yobomi bomshuwalense. Cofa apha ukuze ufunde kabanzi malunga nokuboleka imali kwi-inshorensi yobomi bomshuwalense , ngaphandle kokukhansela inxalenye yomshuwalense wobomi bomgaqo-nkqubo. Oku kukuvumela ukuba ufikelele kwixabiso lokunikezela ngemali , ngaphandle kokulahlekelwa ngumshuwalense wakho womshuwalense, kwaye unokufumaneka rhoqo kwiirhafu zenzala.
Kukho umahluko phakathi kokuboleka imali kwi-inshorensi yobomi bomshuwalense, ukuthatha ixabiso lemali ngaphandle komgaqo-nkqubo kunye negama elithi "Ixabiso lokuThengiswa kweCash". Ngalunye lwezi zivumela ukuba ufinyelele kwixabiso lokunikezela ngemali ngeendlela ezahlukeneyo.
Ixabiso leeCash liSebenza njani kwiNkcenkcesho ye-Inshorensi yoBomi
Ukuze uqonde imali yakho yokunikezela ngexabiso, kufuneka uqonde indlela amaxabiso ekheshi asebenza ngayo kwinkqubo yomshuwalense wobomi.
Xa uhlawula i-premiums kwiintlobo ezithile ze-inshorensi yobomi, kubandakanya: ubomi obupheleleyo okanye inshorensi yobomi bomsigxina, ubomi obuguquguqukayo, kunye ne-inshorensi yobomi bendalo, inxalenye yentlawulo oyenzayo iya kwi-premium ehlawulwayo ngenzuzo yokufa kwaye inxalenye iya utyalo-mali.
Isabelo esithatha kwisabelo sokulondolozwa okanye isabelo senani lemali sityaliswe yinkampani yomshuwalense egameni lakho. Inxalenye encinci yeentlawulo zakho nayo iya kwiimirhumo zolawulo kwiinkampani zomshuwalense wobomi ekulawuleni utyalo-mali lwakho, njl.
I-inshorensi yobomi besikhashana ayinayo imali yokunikezela ngemali.
Ixabiso leMali yokuPhuphuma kweMali yeNkqubo ye-inshorensi yobomi ibalwa njani?
Ukwakhiwa kwexabiso lemali kwi-inshorensi yobomi kwenzeka ngexesha elide, xa unako umgaqo-nkqubo kwaye uhlawula iipriyam ukuze ithuba lakho likhule.
Unokufumana ixabiso lokunikezelwa kwemali yomshuwalense wakho wobomi ngokubuza umcebisi wakho wezemali. okanye inkampani yinshurensi
"Ixesha lokuPhucula"
Ixabiso lakho lokunikezela ngemali lingaba lincinci kakhulu ukuba unomgaqo-nkqubo omtsha kuba imali ayinayo ithuba lokwakha nokukhula. Imigaqo-nkqubo eninzi iya kuba nexesha lokunikezela, yimalini yexesha oza kufuneka ulinde ngaphambi kokuba umgaqo-nkqubo unikezele imali.
Ixabiso lokuKhutshwa kweKheshi liBaliswe ngokuSebenzisa ezi zinto:
- Kude kube nini umgaqo-nkqubo usetyenzisiwe kwaye uhlawule kangakanani
- Ukusebenza kweemarike kwinxalenye yotyalo-mali yomgaqo-nkqubo kunye nendlela inkampani yomshuwalense inotyalo ngayo imali yakho
- Ingakanani inkampani enokukuhlawula ngayo imali yokuzinikela
Ngelo xesha uthenge ubomi bakho bonke okanye umgaqo-nkqubo womshuwalense wobomi bomshuwalense, mhlawumbi ubonakaliswe ukubikezela kunye nesicwangciso sendlela loo mali eya kukhula ngayo ngokuhamba kwexesha kunye nexabiso lemali elixeliweyo emva kweminyaka emi-5, iminyaka eyi-10, njalonjalo. Ixabiso lemali lomgaqo-nkqubo wakho lingaba lukhulu emva kweminyaka embalwa kuphela, kodwa kufuneka ikhule ngaphezu kwexesha.
Ixabiso lemali lixhomekeke kwinkqubo yokutyalomali. Inkampani yomshuwalense ukhetha utyalo-mali oluqinileyo inokubuyisa imali enkulu kwimali yakho.
Iintlawulo Zinikela?
Imirhumo yokudlulisa iindleko ukuba inkampani yakho yomshuwalense inokukuhlawula imali yokunikezela umgaqo-nkqubo, ukurhoxisa imali, okanye ukukhansela inxalenye yotyalo-mali yomgaqo-nkqubo ngaphambi kokuba uqale uvumelaniswe nomhla wokukhula phantsi kwemiqathango nemigaqo yomgaqo-nkqubo.
Imirhumo yokunikezela idla ngokukhawuleza kunyaka wokuqala kwaye ingahla njengoko umgaqo-nkqubo ukhula. Intlawulo ihlawuliswa ukukhupha abantu ukuba bangaphuli isivumelwano sokuqala, ukuvumela inkampani yomshuwalense ukuba ilindeleke ngokukodwa kwintrakthi kunye nokulawula utyalo-mali kusekelwe kwikota elindelekileyo.
Ngaba Unokuziphepha Ukuhlawula Imali Yokuzinikela?
Ngaphambi kokuba unikezele umgaqo-nkqubo wakho, kwaye ulahlekelwa ngumhlala-mali womshuwalense wakho (inxalenye yokufumana inzuzo yomgaqo-nkqubo) fumana ukuba unakho ukhetho lokuthatha imali yokunikezela ngemali, kwaye mhlawumbi usebenzisa enye yokuthenga umgaqo-nkqubo omncinci. Ezinye iinkampani ze-inshorensi zinokukunika oku khetho kwaye oku kungakugcina imali, ngelixa uvumela ukuba ufumane imali kwaye ufumane ipolisi yomshuwalense wobomi bendleko .
Kutheni Ubungayithatha Inzuzo Yokubaluleka Kweengxowa-mali kwiNgxowa-mali yoMshuwalense?
Abantu banokwenza oku kuba bengasayidingi i-inshorensi okanye, ngenxa yokuba bafuna ukukhansela umgaqo-nkqubo wabo wangoku ukuthenga umgaqo-nkqubo womshuwalense wobomi obulunga ngokufanelekileyo iimfuno zabo zangoku ebomini. Ukwenza olu hlobo lwesigqibo, kubalulekile ukuba uhlolisise ukuba ixabiso lemali oliqokeleyo kumgaqo-nkqubo lifanelekile "ukukhipha imali" kunye nomcebisi wakho wezezimali.