Iyini Intshumo Yomhlala-mali?
I-inshorensi yobomi bendondo ithengwa ixesha elithile ixesha eliqhelekileyo ukusuka kwiminyaka ukuya kwimashumi mabini.
Ekupheleni kwekota awufumani ukubuyiselwa kwemali oyihlawule i-inshurensi, kodwa ukuba uya kufa ngaphambi kokuba ixesha liphelile, abathandekayo bakho baya kufumana inani elipheleleyo lomgaqo-nkqubo. Iirhafu ze-inshurensi yesikhashana zihlala zivalelwe ngexabiso elifanayo kwaye ziphantsi kakhulu kunomgaqo-nkqubo wobomi bonke. Le yona khetho yonyhorensi yobomi engabizi kakhulu.
Kufuneka ixesha elide libe yi-inshurensi yobomi?
Ngokuqhelekileyo, omncinci ongezantsi, umlinganiselo we-premium yakho ye-inshorensi yobomi, ngokukodwa kuba ungekho amathuba okufumanisa ukuba unobungozi obubi. Ungagcina imali ngokusayinela ixesha elide kuba xa uhlaziya i-inshorensi yakho yobomi, kunokwenzeka ukuba ubiza ngakumbi kuba usakhulile kwaye unganakho uphilile okanye unokuba ngaphezu komzimba. Xa uthenge inshorensi yobomi bentsuku, ngokuqhelekileyo uceba ukufika kwindawo apho awuyi kuphinda ufune inshorensi yobomi.
Olu hlobo lwe-inshorensi kufuneka lusetyenziswe ngokubambisana nokulondoloza kakuhle kunye nenkqubo yokutyalomali . Kufuneka usebenze nokuba ube netyala ngaphandle . Emva kokuba unomlinganiselo obalulekileyo ebhankini intsapho yakho ayisayi kuyidinga umgaqo-nkqubo womshuwalense wokuphila ukuze uqhubeke nomgangatho ofanayo wokuphila njengoko babenayo ngaphambi kokuba uswele.
Uninzi lwabantu banomshuwalense wexesha elide baze bafikelele ekuhlaleni umhlalaphantsi kwaye zonke iitalato zabo zihlawulwe.
Iyini Intshuwalense Yonke Ubomi?
Ubshuwarensi yobomi bonke buhlala ubomi bakho bonke nje ngokuba uqhubeka uhlawula umgaqo-nkqubo. Ukongezelela, unakho ukhetho lokukhipha umgaqo-nkqubo kunye nemali oyihlawule kumgaqo-nkqubo nanini na ngexesha lokuphila kwakho. Oku kuya kunqanda umgaqo-nkqubo we-inshorensi kodwa kunokukunika uncedo lwezemali xa uyayidinga. Ixabiso le-inshorensi yonke yobomi liphezulu kakhulu ngenxa yale nto, kwaye iirhafu zokubuyisela kwi-inshorensi yonke yobomi zihlala ziphantsi kakhulu kunotyalo-mali oluqhelekileyo. Ubuninzi bentengiso ye-inshorensi yomntu abantu bagxininise kwingxenye yotyalo-mali ye-inshorensi yonke yobomi bomshuwalense Nangona kunjalo, utyalo-mali alinakho ukubuyela ngokulungileyo xa kuthelekiswa nemakethe yempahla okanye iimali eziphathekayo . Uyakwazi ukufumana ngaphezulu ngokutyalomali imali kwaye ugcine imali ngokuthenga i-term insurance policy policy.
Nangona i-inshorensi yonke yobomi inika inzuzo yokukwazi ukukhupha umgaqo-nkqubo uninzi lwabantu luya kwenza imali ngokuthenga ixesha lomgaqo-nkqubo wokuphila kunye nokutshala imali ngokwazo. Ukuba sele sele unomgaqo-nkqubo we-inshorensi yomntu wonke unokukhetha ukuwugcina ukuba unesimo esibalulekileyo sonyango esenza kube nzima ukufumana inshorensi yobomi beminyaka.
Ngaphandle koko, unokufuna ukutshintsha ubomi bakho bonke kwixesha . Kufuneka ugcine umgaqo-nkqubo wakho womshuwalense wentsholongwane wendawo kuze kube yilapho sele uthe wathenga kwaye uvunyiwe ukuba ube ngumgaqo-nkqubo we-inshorensi yobomi.
Ndingawuthengisa Kangakanani Umshuwalense Wobomi?
Xa uthenga i-inshorensi yobomi ngokuqhelekileyo uthengwa ngokukhuselekileyo malunga neentsuku zakho zonyaka, ezinye iingcali zithi iipesenti ezisibhozo ziya kusebenza. Kufuneka ube neenkokhelo zokuhlawula amatyala akho kwaye usenokuba nexabiso elincinane eliye lasala ukuba abathandekayo bakho batyalomali baze bathathe umdla wokuhlala. Xa kuthengwa i-inshorensi qiniseka ukuba uya kunye nenkampani ehloniphekileyo kwaye uyithengeza ngezinga elifanelekileyo. Akukho sikhokelo sokuba ungenayo inshorensi yobomi. Thatha amanyathelo okufunayo ukuze ufumane ingxelo namhlanje.