Ngabe iKhomishoni yam Yenza njani iKhomishoni Yomntu?

IiKomishoni zixhomekeke kwiNtsholongwane ye-Intshuwalense yezoBomi-Nantsi into ofuna ukuyifumana

Ikhomishini ye-inshorensi yobomi yomshuwalense incike kwizinto ezimbalwa, kubandakanywa isicwangciso sekhomishoni yenkampani kunye nenani le-inshorensi yobomi i-ejenti ithengisa.

Nantsi yonke ingcaciso oyifunayo ukukunceda ukufumanisa ukuba umntu othengisa yakho inshorensi yobomi bomshuwalense wenza ntoni, kunye neengcebiso ezimbalwa zokukunceda ukuba uqonde ukuba zeziphi ukhetho xa kuziwa ekukhethweni ngubani ozakuthenga i-inshorensi yakho yobomi kusuka.

Ngaba ii-Agesi ze-inshorensi yoBomi zihlawulwa yiKhomishini okanye iMvuzo?

Abantu abanelungelo lokuthengisa i-inshorensi yobomi bangabamba izikhundla ezininzi kunye nezivumelwano zembuyekezo ezichaphazela inani lemali abazenzayo.

Ubume bentengiso ye-inshorensi yobomi ngokuqhelekileyo unikezela isinxephezelo esimele sinikezelwe yi-khomishini kwaye ngamanye amaxesha umvuzo ukuba ngaba ngabaqeshwe ngabasebenzi. Abantu abaninzi abathengisa umsebenzi womshuwalense wobomi kwintsebenziswano ukwenzela ukuba ikhomishina ibe ngumthombo wabo oyintloko wembuyekezo. Sifumana kwiinkcukacha kunye namanani alandelayo apha ngezantsi.

Izinto ezichaphazelayo Imali Ingakanani Ummeli we-Inshurensi yoBomi okanye uMthengisi

• ubukhulu bomxhasi wabo
• zingaphi iinkampani ezisebenzisana nazo (ukuthunjwa kuphela ekusebenzelaneni nenkampani yomshuwalense kunye nabangabanjwanga)
• babo namava
• nokuba ngaba banelayisenisi yokuthengisa kwiindidi ezahlukeneyo (Umcebisi wezeMali woMntu kunye noMmeli we-inshurensi ye-Life vs Broker)
• yintoni isivumelwano sabo sembuyekezo kunye nenkampani yomshuwalense

• yintoni isivumelwano sabo sembuyekezo kunye nomqeshi, okanye ukuba zizimeleyo
• Ukuba baneendleko zokuhlawula kwiikhomishini ezifana nerenti, abasebenzi kunye neenkonzo

Ezinye izinto zinokuchaphazela ukuba zininzi kangakanani umgaqo-nkqubo wakho, kodwa oku kukunika ingcamango yezizathu zokuba umntu omnye enze ntoni ngaphantsi komnye.

Ngaba iKomishoni ye-inshorensi yobomi iyathintela iindleko zakho ze-Inqubomgomo yomshuwalense?

Intshuwalense yezobomi ikhuphisana kakhulu, kwaye kuyafaneleka ukuba sicinge ukuba yonke imigaqo-nkqubo ithengiswe, mhlawumbi kwakukho amanani amaninzi awazange athengiswe, athathwe ngenxa yokungaphumeleli iimviwo zonyango okanye ezinye izizathu. Iinkampani ze-inshorensi yobomi ziyiqonda oku, ngoko ke xa kuthengiswa i-khomishoni ingabonwa ngokuphakamileyo ngenxa yokuba imodeli kufuneka ilandele kule nto.

I-insum yomshuwalense wakho wobomi ngokwawo ayitshintshi ngokusekelwe kwikhomishini. Ikhomishini iyinxalenye ye-premium inkampani yomshuwalense inika ummeleli ukuba enze ukuthengiswa, kwaye ngoko ngokubonelela ngenkonzo efanelekileyo yabathengi ukugcina umxhasi ngeminyaka emininzi.

Umzekelo weendlela ezahlukeneyo zeAgents okanye Abameli be-Intshuwalense yoBomi banokuhlawulwa

Abanye abameli be-inshorensi yobomi banokusebenza njengarhente kwinkampani enye okanye abaninzi abenza isiseko sembuyekezo yabo yokuqala kwintlawulo, aba bantu banokufumana umvuzo wesiseko esezantsi, kwaye kulindeleke ukuba bavelise ubuninzi beengeniso zabo kwikhomishini.

Enye imodeli yembuyekezo ingabandakanya imivuzo ephezulu, kunye neepesenti ezingaphantsi kwekhomishini ngenxa yelungiselelo abenzileyo kwisivumelwano sabo sengqesho.

Ukuba zizimeleyo, zinokuthi zenze zonke iikhomishini ekuthengiseni, nangona kunjalo, ukuba zisebenza kwiqumrhu, zingaba nesivumelwano esenza ukuba bangayifumana yonke ikhomishini ngenxa yokuba bavumelene kumvuzo endaweni.

Njengoko unako ukubona impendulo kwindlela umntu enza ngayo xa bakuthengisa umgaqo-nkqubo we-inshorensi yobomi ayikho ngqo. Nangona kunjalo, ngolwazi olufanelekileyo kunye nemibuzo, unokufumana.

Umyinge weNqanaba loMvuzo kwi-Agents Agents

Xa uzama ufumene umvuzo omyinge we-inshurensi yomshuwalense, ngenxa yezinto ezingentla, kunzima ukuthetha. Ngokwe-Bureau of Labor Statistics, i-median pay "ye-inshente yokuthengisa yintengiso" i-$ 49,990 ngonyaka okanye i-$ 24.03 ngeyure njengedatha yakutshanje ukususela ngo-2016.

Gcina ukhumbule ukuba oku kuchaza i-arhente yokuthengisa, kwaye iquka idatha evela kuyo yonke inshorensi, kungekhona yinshuwalense yobomi kuphela.

Ngenxa yemimiselo echazwe ngasentla ("ikhomishini enzima" okanye "umvuzo osindayo") le nombolo iyahluka kakhulu, kwaye ngenxa yokuba iphakathi, ayikubonisi ukuphela okuphezulu kwee-ejenti ezisisiseko, okanye abo bathengisa imigaqo-nkqubo ephezulu .

Ukuba ukhangele ukuhlawula umyinge woMcebisi wezeMali, ngubani ongathengisa inshorensi yobomi, inani liphakamileyo kabini, i-R5 90,530 ngonyaka ngonyaka wama-43.53 ngeyure.

Iintlobo ze-Intshurensi yoBomi kunye neeKhomishoni zeRhafu

Kukho iintlobo ezahlukeneyo zeminshuwalense yobomi. Uhlobo lomgaqo-nkqubo we-inshorensi yobomi luyakuchaphazela nemali yemali eya kuhlawulwa ngekhomishini. Imigaqo-nkqubo ephakamileyo yexesha eliqhelekileyo iya kudla ngokuhlawula ngaphezulu kwikhomishini.

Iintlobo ezimbini ezibalulekileyo zomgaqo-nkqubo ngumsebenzi wentsuku kunye nobomi obupheleleyo okanye imigaqo-xabiso yemali-mali , eyaziwa ngokuba yimigaqo-nkqubo yobomi bendawo yonke . Oku kuya kubandakanywa nemigaqo-nkqubo ye- inshorensi yobomi .

Ithuba le-inshorensi lihlala lide "elide" okanye ixesha elithile, njenge-5,10, 20 okanye iminyaka engama-30. Ubshuwarensi yobomi bonke buhlala bubomi bakho kwaye kungakhela ixabiso lemali phezu kwexesha . kwaye unikeze ithuba lokuboleka imali kwi-inshorensi yobomi bomshuwalense .

Ingakanani iKhomishinari eyenziwa nguMmeli we-inshurensi yoBomi?

• Iikhomishina zakho zee-arhente ziyahlukahluka ngohlobo lomshuwalense wobomi owukhethayo.
• Yonke inkampani iyahluke, kodwa i-inshorensi yobomi ingenza iipesenti ezingama-30 ukuya kuma-70 ekuthumeni i-premium yonyaka wokuqala kwi-inshorensi yobomi beminyaka. Abavelisi abaphezulu abaphezulu banokufumana i-100% ye-premium epheleleyo kunyaka wokuqala njengoko ikhomishini kunye ne-5% ikhomishini ukususela ngowesibili ukuya kunyaka wesine. Iikhomishana zonyaka ezidlulileyo ziyakunqumla okanye ziphantsi. Inani lekhomishini elihlawulwe liya kuhluka ngokusekelwe kwisivumelwano i-ejenti inayo nenkampani yomshuwalense okanye nomqeshi wabo (ukuba ayingabasebenzi abasebenzisayo).
• Ininzi yemali yomshuwalense wee-inshorensi yomgaqo-nkqubo inokuthatha ingqwalasela yokuvuselela okanye ukuba umthengi ugcina umgaqo-nkqubo ngokuhamba kwexesha, umzekelo, ukuba umthengi unqande umgaqo-nkqubo kwiminyaka embalwa yokuqala, ezinye iinkampani zinokuhlawulisa umyalelo wokubuyisela umlimi.
• Ezinye iinkampani zomshuwalense wee-inshorensi zingaphinde zithole ikhomishini yexesha elilodwa phezulu kwikhomishini yokuqala yonyaka yokuqalisa inkqubo entsha yomshuwalense wobomi bomshuwalense.

Ngaba Uhlawula Okongezelelweyo Ngokwe-Inshurensi Yobomi Ukuba uthenge kwi-Broker kunye neNkampani ye-Insurance ngokuthe ngqo okanye nguMmeli?

Kuzo zonke iimodeli, isakhiwo sokuhlawulelwa sembuyekezo siyahlengahlengisa imeko, ngoko akufanele uhlawule enye inshorensi yobomi xa uhamba nomthengisi ngokumalunga ne-arhente okanye uhambelana nomphathi. Ama-commissions abafumanayo ahlala ahlengahlengele imeko kunye nezivumelwano abasayine ngazo.

Konke kuxhomekeke kwiyiphi inkampani yomshuwalense enikezela ngokukhawuleza okufanelekileyo ngokufanelekileyo imeko yakho. Abathengisi banokukufumana amaqonga ngeenkampani ezininzi ukukunika ithuba lokuthelekisa okukhethwa kukho. Xa uhamba ngokuhamba ngqo ngqo, baya kukunikela kuphela ngemveliso yabo. Ukuba ukhathazekile ngemali eyongeziweyo, cela umntu ukuba akucaphule ukuba kukho nayiphi na imali yentlawulo yenkonzo kunye neentengiso ngeenxa zonke.

Ukukhathazeka NgeeKomishoni kwiNew Life Policies Policy

Ikhomishini yexesha elilodwa phezulu kwikhomishini ephantsi ehlawulwayo ekuqaliseni umgaqo-nkqubo womshuwalense wentsholongwane ibe yinto ekuxhalabisa ngayo kumashishini ngamanye amaxesha.

Esi sizathu esinye esibalulekileyo ngaphambi kokuba utshintshe umgaqo-nkqubo we-inshorensi yobomi, usoloko ufuna ukuba uqaphele ukuba ufumana isiluleko esifanelekileyo. Unokufunda oku ngakumbi malunga nale nkxalabo kwinqaku lethu malunga noko kufuneka uwazi ngaphambi kokuba utshintshe umgaqo-nkqubo womshuwalense wenkxaso-mali , okanye unxulumene nolongezelelweyo lukhuphe eli nqaku malunga nokuthatha iimviwo zonyango xa ufumana umgaqo-nkqubo womshuwalense wobomi .

Ingaba Umntu Wakho Wobomi Bomshuwalense Uthengisa Into Efana Nokuba Bafuna Ukwenza Imali Engaphezulu?

Ekupheleni kosuku, ingaba umntu othengisayo umgaqo wakho ungaphambukiswa koko bakuvunyelwene nabo njengesivumelwano sembuyekezo. Abantu ababini phantsi kwezivumelwano zokuhlawulela ezimbini ezahlukeneyo ezithengisa umgaqo ofanayo nabo bangahamba kunye nemali eyahlukeneyo ngenxa yoko.

Oko mhlawumbi ufuna ukwazi xa ucela umbuzo malunga nokuba uninzi lwemali ye-inshenti yomshuwalense womshuwalense okanye umcwangcisi wezemali owenzayo ukuthengiswa kunokuthi kubekho malunga nokuba ngaba uyaba nethemba lokuba bakunike iingcebiso ezilungileyo, ukuzithengisa "ukuthengisa".

Ukukhathazeka Ummeli Womshuwalense Wobomi Ubuthengisa Into Esekelwe Kuphela Kwenzeka Njani Ikomishoni?

I-inshurensi yomntu womshuwalense okanye umthengisi okanye nawuphi na umcwangcisi wezemali akumele athengise into enokuzizuza. Ewe, kufuneka benze ubomi, kodwa enye yeendaba ezilungileyo kukuba ukuthengiswa kwe-inshorensi yobomi kulawulwa. Ukuze uthengise inshorensi yomshuwalense kufuneka ukuba ilayiseniswe ngurhulumente asebenza kuyo.

Uxanduva lomsebenzi we-inshorensi yobomi kukunikezela ngemveliso ehambelana neemfuno zakho, ngoko nangona inshorensi yobomi ingaba nenzuzo kumntu othengisa inshuwalense yobomi (njengawo nawuphi na umsebenzi), ummeli kufuneka ukuba akunike iimveliso ukuzalisa iimfuno zakho , iifom. Bafanele kwakhona bakwazi ukuxoxa ngeendlela ezahlukeneyo zomshuwalense wobomi bomshuwalense kwaye uchaze iingenelo okanye ukungonakali kuthathelwa ingqalelo apho uhlala khona ebomini bakho.

Ukuba unomuva wokutshintshana kwiingcebiso ozifumeneyo, okanye umbuzo ukuba i-arhente yakho ikuthengisa into ethile eneenjongo eziphambili, unokuhlala uqhagamshelana ne-inshorensi yomsebenzi we-inshorensi yombuso kwimeko yakho ukunika iingxaki okanye uxhumane namanye ama-agent okanye abacebisi ngezezimali. ngubani onokunika iingcebiso zabo uze uthelekise ukhetho lwakho.

Kufuneka uhlale ukhululekile kunye nomntu othengisayo inshuwalense yezempilo kwaye ungaze uziva ucinezelekile ukuthenga into ongaqinisekanga ngayo.

Indlela yokufumanisa Ingakanani Ummeli wakho we-Inshurensi yoBomi okanye uMcwangcisi wezeMali oziCwangcisayo uKhupha

Ngamanye amaxesha indlela elula yokufumana ukuba unjani ummeli womshuwalense wakho wentsholongwane ukwenza. UMbutho weSizwe we-Personal Advisors wezeMali unikezela ngamanye amacebiso amakhulu ekufumaneni ummeli omhle. Nazi ezinye zeembuzo ezicebisayo zokuzibuza ngaphambi kokuba ukhethe umcwangcisi wezemali ukukunceda:

1. Uhlawulwa njani?
2. Ngaba uyamkela iirhafu zokuthumela?
3. Ngaba uza kubeka iikomishoni ozifumanayo kwimveliso oyinikezelayo?

Yonke imeko ihluke. Yonke inkampani yomshuwalense yempilo iyahluke. Ngokubanzi, nangona kunomdla ukwazi ukuba ikhomishini eninzi ihlawulwa njani kwinkqubo yakho yomshuwalense wobomi, kufuneka uqikelele:

• ixesha elingakanani umntu achithe kunye nawe ukwazi izidingo zakho
• Ngaba bakunikezela ngeengcaciso ezifanelekileyo zezinto ozikhethayo
• i-inshorensi yokuthengisa i-inshorensi ayiphindaphindwa ngokuphindaphindiweyo, ikhomishini yengqiqo ingabonakala iphezulu
• Ukuba umntu othengayo kwimisebenzi njengomqeshwa, abanako ukufumana ikhomishini epheleleyo, banokuyichitha kunye nequmrhu, okanye bathathe umvuzo endaweni yeekomishoni, oko kuthetha ukuba nangona ikhomishini ihlawulwa, ayinayo Ndiyabona ngokwenene ...

Into engcono ongayenza ukuthetha kunye ne-arhente yakho okanye uMququzeleli wezeMali malunga neyona nto ibhetele ngayo imeko yakho, kwaye ukuba ufumanisa ukuba ngaba bayathengisa into ethile nje ukuze wenze imali, oko kuya kuba yinto efanelekileyo yokuthenga ji kelele kwaye ufumane ezinye iindlela ngaphambi kokuba wenze isigqibo. Yimali yakho kunye nentsholongwane yakho yomshuwalense, kutheni ujongane nomntu ongamthembi?

Funda ngexabiso lokunikezela ngemali .