Intsholongwane yokuPhepha kweNtsholongwane ye-Injury nayo yaziwa ngokuba yi- inshurensi yobomi bomshuwalense ngumhlobo we-inshorensi yobomi bomshuwalense wobomi oqinisekisa abantu ababini.
Ubomi bomshuwalense wentsholongwane ngokuqhelekileyo kusetyenziswa izibini okanye abatshatileyo. Ubomi bomshuwalense we-inshurensi uhlawula inzuzo kumzuzi xa bonke abaphathi-nkqubo okanye abantu abaqinisekisiwe kwipolisi bafa. Akuyi kuhlawula inzuzo yokufa ukuba ngaba omnye wabantu abaqinisekisiwe uyafa.
Ubomi boMshuwalense weeNkcazo kuthethwa kwakhona ngokuthi:
- I-inshurensi yobomi be-inshurensi yobomi
- I- inshorensi yobomi besibili
- I-inshuwalance Survivorship Insurance
I-inshurensi yobomi bentsholongwane ikhethwa rhoqo xa injongo ye-inshurensi ukushiya imali kwiindlalifa zezibini, oko kutheni ihlawula kuphela inzuzo yokufa xa bobabili bafa.
Luhlobo luni loMgaqo-nkqubo oPhezulu lobomi?
Imiqathango yokuPhepha kweMpilo ngokuqhelekileyo Imigaqo-nkqubo yeeNkcazo zoBomi , njengeeNkcazo zoBomi beSizwe okanye iMigaqo-nkqubo yoBomi . Umgaqo- nkqubo wokuphila , ongabibizi, awuqhelekanga ukususela kwi-inshurensi yobomi bomshuwalense, awuhlali ixesha elide kwaye akanalo ixabiso lemali.
I-inshurensi yoBomi yoBomi kunye noKhuseleko lwe-Inshorensi yobomi: Yintoni eyahlukileyo?
Intshumo yomshuwalense wobomi xa umgaqo-nkqubo we-inshorensi uhlanganisa abantu abaninzi kumgaqo omnye. Kukho iindlela ezimbini zokubambisa inshorensi yobomi:
- Okokuqala-kuya Kufa
- Ubomi be-inshurensi yobomi okanye i-Second-to-Die
Umlinganiselo oqhelekileyo wokubambisana ubomi ngokuqhelekileyo ngumgaqo "wokuqala wokufa". Kwi-inshorensi yobomi bomshuwalense wobomi "bokuqala wokufa", ukuba omnye wabasetyhini abasetyhini uyafa, inzuzo yokufa iya kuhlawulwa kumlingane osele njengomzuzi. Injongo kukushiya imali emva komlingane ukuba abancede ngeendleko zokuhlala kunye nokubuyisela umvuzo olahlekileyo ekufeni komlingane wokuqala.
Ubomi bomshuwalense usebenza ngokuhlukileyo. Ingumgaqo-nkqubo womshuwalense wobomi bomntu, nangona kunjalo, uhlanganisa abantu bobabini kodwa uya kuhlawula kuphela xa abantu babesele bafa, yingakho ingaziwa ngokuba "yesibini kuya kufa".
I-Survivorship Life Insurance Works
Isicwangciso somgaqo-nkqubo we-inshorensi yobomi yokusindisa imali kukushiya imali kwiindlalifa zeso sibini, ngokuchasene nobomi obudibeneyo "bokuqala ukufa" okushiya inzuzo yokufa kumlingane.
5 Iingenelelo ze-Survivorship Life Insurance Policy
- Ukugcina ubutyebi njengenxalenye yeSicwangciso soPhuhliso lweZakhiwo
- Ukudala ubutyebi kwiindlalifa
- Ukufumana i-inshorensi xa elinye iqabane lingenakukhuseleka lula
- Ukufikelela kwiimpawu zekheshi xa elinye iqabane lifile, ngelixa ligcinwa inzuzo yokufa kwiindlalifa
- Iindleko
Abanye abantu bakhetha ukuthenga umgaqo-nkqubo we-inshorensi yobomi emva kokubonisana nommeli wecebo lokulunga ukuze balondoloze ubutyebi babo .
Abanye bangakhetha ukuthenga olu hlobo lomgaqo-nkqubo wokwakha ubutyebi kwiindlalifa zabo . Kwiimeko apho abantu bacinga ukuba baya kusebenzisa i-asethi yabo kwaye abanalo ifa elikhulu lokushiya izindlalifa, oku kunokuba yinto efanelekileyo yokushiya inzuzo emva kwindlalifa. Umcebisi-mali omhle unokukunceda ngezi zigqibo.
I-inshurensi yobomi bomshuwalense yomshuwalense kaninzi inokuba nelinye inzuzo yokuba ezinye iinkqubo zomshuwalense wezempilo ayinayo. Ngamanye amaxesha ukuba omnye umlingane unenkathazo yokufumana i-inshorensi yobomi, ngokuziqinisekisa ngokwakhe ngomgaqo-nkqubo wokuQinisekisa koBomi, bangakwazi ukufumana i-insured ngokukhawuleza kunye neendleko ezincinci.
Enye inzuzo yomshuwalense wobomi bomshuwalense wobomi, ngaphandle kokushiya imali kwiindlalifa emva kokutshatyalaliswa kokubini kwabatshatileyo, kukuba xa elinye iqabane lifile, ukuba kukho ixabiso lentengo ekwakhiweyo kwi-Survivorship Life Policy, loo mlingane ohlala naye unokukwazi ukuhlawula imali kwixabiso lemali lomgaqo-nkqubo njengoko kuyimfuneko. Funda kabanzi malunga nexabiso lemali kwi-inshorensi yobomi , okanye uboleke kwi-inshorensi yobomi bomshuwalense ukuqonda le nto inzuzo ngakumbi.
Ekugqibeleni, iindleko zingaba sisizathu esihle sokuqwalasela umgaqo-nkqubo womshuwalense wobomi bomshuwalense.
Inketho ye-Survivorship Life Insurance policy ingakugcina imali ngokuchasene nokuba nemigaqo-nkqubo ye-inshorensi yobomi ehlukeneyo. Ingakumbi kwiimeko apho omnye umfazi ophethe imibandela yezobugqirha okanye unokufumana ingxaki yokufumana i-inshorensi yobomi.
Ziziphi izinto omele uziqwalasele?
Xa uthengisa umgaqo-nkqubo womshuwalense wobomi bomshuwalense, qiniseka ukuxoxa ngale ndlela kunye nomcebisi wakho wezemali:
- Ukuba ungathanda ubomi obomi okanye umgaqo-nkqubo wobomi bendalo jikelele. Ezi nkqubo zimbini zineendlela ezahlukeneyo zokutshala / ukugcina izinto ezinokuchaphazela ixabiso lemali.
- Ukuba umgaqo-nkqubo unenketho yokwahlula umgaqo-nkqubo kwiipolisi ezimbini ezihlukeneyo ukuba kufuneka. Ezinye iinkqubo zomshuwalense zinomgibeli ovumela ukuba wenze oku kwiimeko ezithile, umzekelo umtshato.
I-inshurensi yobomi bomshuwalense ichaphazela njani ukuCwangcisa kwezindlu zakho
Enye into ebalulekileyo yokucwangcisa i-Property Survivorship Life Insurance Policy kukuba inzuzo ayihlawulwa kumlingane kodwa kunokuba ihlawulwe kwindlalifa. Kukho impembelelo yerhafu kulo mzekelo, unokufunda ngakumbi apha . Abantu abaninzi basebenzisa iinxalenye ze-inshorensi yokufa kwe-inshorensi yokuhlawula irhafu ye-federal tax and other cost-settlement costs.
Intshurensi yobomi yindlela enhle yokushiya imali kwiindlalifa kungekhona nje ngenxa yokufumana imali yexabiso lokufa kodwa nangenxa yeenzuzo zerhafu .
Ummeli wecebo lomhlaba kunye nocwangcisi wezezimali unokukunceda ukukunika izikhokelo ngendlela efanelekileyo yokulawula ifa lakho kwaye wenze uCwangciso lweZakhiwo nawe kuzo zonke iinkalo ezahlukeneyo kwaye ufuna ukufumana isicwangciso esiluncedo kakhulu kuwe.