Ubomi Bomshuwalense Unokunika Abaselula Abantu Uxolo Lwemali Yengqondo
Kodwa ngaba i-inshorensi yobomi kubadala abaselula bayenza ingqiqo? Ucwaningo lwe-Princeton lwango-2017 olwenziwa ngu-InsuranceQuotes.com lufumene ukuba ama-65 ekhulwini abaneminyaka eyi-18 ukuya kwe-29 ubudala abanalo inshorensi yobomi.
Kwalabo abangenayo i-coverage, iipesenti ezingama-71 zathi akuyimfuneko kuba bemncinci kwaye banempilo.
Kukho, nangona kunjalo, izizathu ezifanelekileyo zokuqwalasela ukuthenga i-inshorensi yobomi kwiminyaka yakho-20.
IiNzuzo ze-Intshurensi yoBomi kubantu abadala
Iinshorensi yobomi ingazalisa iimfuno ezahlukeneyo zemali. Okokuqala kwaye ingakumbi, inokuthi ithathe umvuzo olahlekileyo kubathandekayo bakho xa ushiya umlingane okanye abantwana abaxhomekeke kwisihlawu sokuhlawula ukuhlawula iindleko zemihla ngemihla.
Ukuba uneminyaka engama-20, unako ukuba ungatshatanga kwaye ungenamntwana-kodwa oko akuthethi ukuba uya kuhlala ngaloo ndlela. Unokugqiba ukuhlala phantsi kwi-30s yakho okanye emva koko kwaye isibheno se-inshorensi yobomi sinokucaca. Noko ke, ukuphazamiseka kukuba, ngokulinda ukuthenga, unokujamelana neeprayimari eziphezulu. Njengomgaqo jikelele, u-inshurensi yoluntu kubantu abadala abasenayo imali encinci xa uqala ukuyithenga.
Ngaphandle kokutshintsha imali engenayo, imali yomshuwalense wendalo ingasetyenziselwa ukuhlawulela nayiphi na amatyala ahlawulwa ngumhlaba wakho. Kwi-20s yakho, ityala lakho elikhulu linokuba yimali-mboleko yomfundi . Ngokutsho kwedata ye-Federal Reserve, iziganeko ezingama-20 ezithengwa ngemali-mboleko yomfundi zithatha ibhalansi ephakathi kwama-22,000. Imali-mboleko ye-Federal student ichithwa ngokuzenzekelayo ize ikhutshwe.
Oku kuquka iimali-mboleko zabazali abaninzi . Ukuba unetyala leemali ezizimeleyo zabazali bakho ababhalisele zona, ngakolunye uhlangothi, ibali elihlukile.
Ngokusemthethweni, abameli babelana ngokuxanduva lokulingana netyala. Ukuba ngaba abazali bakho baqhotyoshelwe kwiimali-mboleko kwaye udlula, umnini-mboleko wakho unokulindela ukuba ahlawule imali efunekayo. Umgaqo-nkqubo we-inshorensi yobomi unokuvumela abazali bakho ukuba bahlawule lonke ityala.
I-inshorensi yebomi inganciphisa uxinzelelo lokuhlawula iindleko zokungcwaba okanye zokungcwaba, okanye nayiphina iindleko zokugqibela. UMbutho weZizwe zoMngcwabo weSizwe ubeka indleko yomngcwabo e-$ 8,508, ngelixa i-cremation ixabisa i-$ 6,078. Nokuba inkqubo yomshuwalense wenkcenkcesho yobomi inokuba yinto efanelekileyo yokutyalo-mali ukuba awufuni ukutshatyalalisa abathandekayo bakho ngezo ndleko.
Uhlobo Luni Lwe-inshurensi Yobomi Ngaba Uyafuneka?
Ngokwendlela yokukhetha, i-inshorensi yoluntu kubantu abadala abasweleyo ngokubanzi iyawela kwiindidi ezibalulekileyo: ubomi besikhathi kunye ne-inshorensi yobomi bomsigxina .
I-inshorensi yomshuwalense wexesha elikufutshane iyakuthatha ixesha elide Ngokuxhomekeke kumgaqo-nkqubo, loo nto inokuba yiphakathi kweminyaka emihlanu ukuya kwi-30. Olu hlobo lomgaqo-mali luhlawulela inzuzo yokufa kwabaxhamli bakho xa udlula ngaphambi kokuba ixesha liphele. Unokufumana umgaqo-nkqubo ngenzuzo yokufa engaphantsi kwe-$ 5,000, okanye i-$ 2 yezigidi, kuxhomekeke kwimeko yakho.
Ubomi bomshuwalense wangunaphakade ulungiselelwe ukukugubungela ixesha elide uhlawula ii-premiums. Ubomi obunye luhlobo olulodwa lomgaqo-nkqubo womshuwalense wobomi bomshuwalense; nobomi bendalo yonke. Bobabini bakuvumela ukuba wakhe ixabiso lentengo kumgaqo-nkqubo onokuwuboleka. Ngobomi bobabili ubomi kunye nobomi bokusisigxina, i-premium yakho igcina isantya, oku kuthetha ukuba ayiyi kunyuka okanye iphantsi kwexesha.
Ngoko ke ubani ungcono kwi-20s yakho? Ngaphandle kwexesha elide lifihliweyo kunye nexabiso lexabiso lemali elinikezelwayo ngoncedo olusisigxina, umlinganiselo omkhulu phakathi kwezi zibini iindleko. Imigaqo-nkqubo yomgaqo-nkqubo ithoba ukuba neeprayimari ezincinci kakhulu xa kuthelekiswa ne-inshorensi yomhlala Ukuba uqala nje kumsebenzi wakho, i-premium engaphantsi ingabonakalisa ngakumbi kumbono webhajethi .
Ewe, ukuba uthenge umgaqo osisigxina xa uselula, unako ukuqokelela inani elifanelekileyo lexabiso lemali.
Kwaye ngenxa yokuba usemncinci, loo mali iya kuba nexesha elide ukufumana inzala. Ngakolunye uhlangothi, unako ukufumana umgangatho ophezulu wokubuyisela ngokukhetha ubomi beminyaka, kodwa utyalole ulwahlulo phakathi kweendleko zobomi bexesha kunye neepomims zomsigxina zobomi kwi- akhawunti yomhlala phantsi okanye i-akhawunti yokurhweba.
Iingcebiso zokuthenga i-inshorensi yobomi
Iinshurensi yobomi kubantu abadala abaselula-ayifani-konke kwaye ukuba ulungele ukuthenga, kunceda ukwenza umsebenzi wakho wesikolo ngaphambili.
Okokuqala, cinga malunga nokuba uninzi oluza kulufumana. I-inshurensi ye-inshorensi yokuphila inokukunceda ukuba uqaphele inombolo. Emva koko, cinga malunga nokuba uhlahlo lwabiwo-mali luyakwazi ukufikelela kwaye lide kangakanani ukufunwa. Oku kungenza kube lula ukukhetha phakathi kobomi bexesha kunye nobomi obungunaphakade.
Emva koko, qaphela izikhetho zakho zokuthenga. Hlola kuqala nomqeshi wakho ukuba ubone ukuba i-inshurensi yobomi iyinikwa njengenxalenye yepakethi yakho yenzuzo. Ukuba i-cover is available, unako ukufumana isaphulelo ngokukuthenga ngekampani yakho.
Emva kokuba ufumene i-rundown kwizinto umqeshi wakho anikezela ngazo, unokwenza ukukhangela uphando lwakho. Inkonzo yomshuwalense yindlela enye; ungaphinda uzame ukusesha kwi-intanethi ukufumana iingcaphuno ze-inshorensi yobomi kwi-insurers ezininzi. Thelekisa imigaqo-nkqubo enikezelwayo kunye neeprayimari ukufumana umgaqo-nkqubo ohambelana nezidingo zakho. Ixesha lisekho caleni, emva kwakho konke. Ngelixa unokwazi ukuba uncedo lwe-inshorensi yobomi kwiminyaka yakho-20, awufuni ukukhawuleza kwisigqibo sokuthenga ngaphandle kokufumana zonke iinkcukacha kuqala.