Ukutshintsha yakho inshorensi yobomi? 3 iincwadi zokukhangela ozakufuna ukuziphonononga
Izizathu zokutshintsha iPolisi ye-Intshumo yoBomi
- Ufumanisa umgaqo-nkqubo we-inshorensi yobomi engabizi
- Unenguqu ebomini
- Udinga ukutshintsha okanye ukongeza umxhamli
- Ufumanisa ukuba kukho udidi olungcono lomgaqo-nkqubo ukuba uthanda ubomi bonke okanye i-inshorensi yexesha.
- Utshintsha isicwangciso sakho sezimali
- Ufuna ixabiso lemali endaweni yokuboleka kwi-inshorensi yobomi bomshuwalense
Ngaphambi kokuba Utshintshe okanye Ukhansele Intshuwalense Yakho Yobomi
Njengoko umgaqo-nkqubo we-inshorensi yakho yobomi bomshuwarensi, ulawula inkqubela yomgaqo-inshorensi yobomi bakho. Abaxhamli abafumanayo okanye iinkqubo zeminshuwalense yobomi zingatshintshwa ngaphandle kwemvume yakho. Okukuphela kolu hlobo kunokwenzeka ukuba ngaba umxhamli kwi-inshorensi yobomi bomshuwalense awunakwenzeka . Umnini-nkqubo angakwazi ukuguqula umxhamli ongenakunyulwa ngaphandle kwemvume.
Izinto Ezibalulekileyo Ukuzicingisisa Ngaphambi kokuba Utshintshe Ubomi Bomshuwalense Inkcazo yokuHlola
Ukuba ucinga ukukhansela okanye ukutshintsha umgaqo-nkqubo wakho womshuwalense wezempilo, ezi zinto kufuneka uziqwalasele ngaphambi kokukhetha. Ukuba uhlolisise zonke ezi zikhetho kwaye wenza uphando lwakho ukhululeke kakhulu ukuba uphume phezulu.
I-Insurance Insurance Medical Exam
Xa uthenge i-inshorensi yobomi bomshuwalense, uthathe i- inshorensi yobomi bomshuwalense kwaye uyaphumelela.
Ukuba uzama kwaye ufumane umgaqo-nkqubo omtsha, kwaye kufuneka uthathe uvavanyo olutsha lwe-inshorensi yobomi, ungenako ukufumana umgaqo-nkqubo omtsha okanye unokuthi ube nemimiselo ethile. Unokuba usenokungenakunceda, okanye kufuneka uthathe umgaqo-nkqubo obizayo kunokuba usicatshulwe ekuqaleni. Kuyingozi enkulu ukuthatha.
2. Thelekisa i-inshorensi yobomi
Ngaphambi kokuba utshintshe uhlaziyo lwe-inshorensi yobomi iintlobo ezahlukeneyo zokukhethwa komgaqo-nkqubo: Ixeshana, Ubomi boBomi okanye ezinye iinkqubo zokuphila ngonaphakade njenge-inshorensi yoBomi bendalo yinto enokwenzeka.
3. Funda ngeNkcazo Yomshuwalense Wobomi Umhlala-mali wokulinda
- Unokuba nepolisi okanye ixesha lokulinda imali
Qonda i- Périod echaphazelekayo kunye neNkcazo yokuzibulala - Isigatshana sokungaqiniseki silinganiselwe nemigaqo-nkqubo ye-inshorensi yomshuwalense kwaye ngokuyisiseko kuthetha ukuba kwiminyaka emibini yokuqala yomgaqo-nkqubo omtsha, inzuzo yakho yokufa inganqatshwa okanye iphikisana. Ukuba umgaqo wakho wangoku ungaphezulu kweminyaka emi-2 ubudala, ke le gatya lingasetyenziswayo.Uya kulahlekelwa ngolu hlobo xa usuqulela kumgaqo-nkqubo omtsha.
4. Cinga ukuhlala kunye neNkampani yakho yangoku-inshurensi kunye nokuguqula umgaqo-nkqubo
Qinisekisa ukuba i-arhente ihlaziye yonke indawo yomshuwalense wakho wobomi okanye utshintshe okukhethwa kukho. Ngamanye amaxesha unako ukukwazi ukuguqula umgaqo-nkqubo yakho kwizinto ozifunayo kwaye uphephe ixesha elichasayo kunye nokuhlolwa kwezonyango ngenxa yoko. Nangona ungeke ukwazi ukuguqula umgaqo-nkqubo wakho, unokucinga kwakhona ukhetho lokufakela enye ipolisi yokuncedisa umgaqo-nkqubo wakho womshuwalense wobomi. kuxhomekeke ngokwenene ukuba kutheni ufuna ukukhansela okanye utshintshe inshorensi yakho yobomi kwindawo yokuqala. Kukho iindlela ezininzi umcwangcisi wezemali okanye i-agent ekwazi ukukunceda, qinisekisa ukuba uhlaziya zonke iingcebiso ongayifumana ngaphambi kokutshintsha umgaqo-nkqubo wakho.
Ukuba awunikwanga ukhetho olongezelelweyo, fumana umbono wesibini!
5. Thelekisa iindleko zokutshintshwa kweNkcazo ye-Intshuwalense Yobomi
Kukho inani leendleko eziya kudlala xa utshintshe umgaqo-nkqubo wakho womshuwalense wenkqubela yomntu omtsha. Nolu uluhlu lokujonga izinto zokuqwalasela kwaye ubuze malunga nokuba uthathe indawo yomshuwalense wobomi bomshuwalense ngaphandle kwenkqubo yokuqala ye-inshorensi yobomi bomshuwalense.
Uluhlu lokuThengisa iindleko eziThathatsanisiweyo ukuba Ucinga ngeNgxowa-mali ye-inshorensi
- Ngaba kuya kuba neendleko zokuqala umgaqo-nkqubo omtsha?
- Iintlawulo zerhafu ziqhathaniswa nomgaqo-nkqubo omdala? Ngaba kuya kuba nemiphumo yerhafu?
- Indlela kwaye ungayithatha njani imali mboleko kumgaqo-nkqubo omtsha ungahluka
- Ixabiso lemali kwi-policy yakho endala ayinako ukuhlawula yonke imigaqo-nkqubo entsha kwixesha elizayo, enokubangela iintlawulo ezongezelelweyo
- Ngokuxhomekeke kwiminyaka yakho, unakho ukuhlawula ngaphezu kwexesha lobomi bomgaqo-nkqubo ngenxa yokuthenga umgaqo-nkqubo omtsha kamva ebomini
- Ubshuwarensi yobomi buyabiza kakhulu njengoko ukhula
- Ngaba ii-premiums okanye iintlawulo ziyahlukahluka unyaka nonyaka?
- Ngaba kukho ukunikezelwa kwemirhumo kwimigaqo ofuna ukuyifaka?
Ziziphi iinkcukacha ezifunekayo ukufaka iNkqubo ye-inshorensi yobomi
Nanini na xa unikezela umgaqo-nkqubo we-inshorensi yobomi ukuba uyithathe indawo, uya kubuzwa uchungechunge lwemibuzo. Le mibuzo ikhoyo ukukhusela kwiikrama kunye nobuqhetseba kwaye ivumela iinkampani zomshuwalense ukuba zijonge imeko ukuze ziqinisekise ukuba izinto zenziwe ngokufanelekileyo.
Imibuzo Ebuzwayo Ukukhusela Xa Utshintshe Intshumo Yobomi
- Uya kucelwa ngenombolo yomshuwalense wobomi bomshuwalense, umshuwalense, kunye nokuphelelwa komgaqo-nkqubo
- Uya kubuzwa ukuba uceba ukutshintsha umgaqo wakho wangoku kunye nomnye wakho omtsha
Imibuzo ebuzwa xa usubeka umgaqo-nkqubo we-inshorensi yobomi ikukhusela kwaye ukhusela inkampani yomshuwalense kwii-ejenti ezihlala ziguqula iinkqubo ze-inshorensi zempilo yabathengi zabo ukuze zenze ikhomishini. Olu hlobo lendlela yokuziphatha luyaziwa ngokuba lukhutshwa xa i-inshorensi yomshuwalense iziphatha ngokungaqinisekiyo kwaye idala ii-commissions zokuziphindaphinda ngokwabo.
Ukutshintsha Intshorensi Yakho Yobomi? Khangela i-Scams
Xa ukhetha ukwenza nayiphi na utshintsho kwi-inshorensi yobomi usoloko ufumana umbono wesibini kwaye uqaphele iimpawu ezilumkiso zezenzo ezingathandabuzekiyo zomntu ozama ukukukholisa ukuba utshintshe imigaqo-nkqubo. Qinisekisa ukuba awuzukuxhatshazwa okanye ugxeka.
Ngaphandle kokuphonononga uludwe lweengqalelo malunga nokwazi ukuguqula umgaqo-nkqubo wakho womshuwalense wobomi, kubalulekile ukwazi izibonakaliso ezilumkiso zee-ejenti ofuna ukuhlala kuzo. Ukuba i-arhente yenza nayiphi na yezi zinto kufuneka uqhagamshelane neofisi yomshuwalense welizwe likarhulumente kunye nokwazisa malunga nale meko. Abakhomishinala baseburhulumenteni balapho ukuze bancede ukukhusela umdla woluntu, kwaye kwimeko yokungaxolisi kwe-arhente okanye ummeleli, banokukunceda ukuba uzikhusele.
Hlola ukuba uMmeli wakho we-Inshurensi yoBomi unikwe imvume
Ukuba uziva ungakhululekile okanye ufumane nayiphi na imiqondiso engezantsi, unokujonga kwakhona ukuba i-arhente yakho nenkampani yomshuwalense ilayisenisi ukuthengisa i-inshorensi kwimeko yakho ngokubiza i-NAIC ngo- 1-866-470-6242 .
Uluhlu lokuhlola uluhlu lwe-Inshurensi yoBomi Iimpawu zokulumkisa
- I-arhente ikuxwayisa ukuba ungaxeleli lakho i-insurer yakho yangoku kunye / okanye izalamane ozicingayo malunga nokutshintsha imigaqo-nkqubo. Oku kuhambelana neenkqubo zenkampani ye-inshorensi kwaye luphawu lokuba i-arhente inokubandakanyeka ekuhlaleni, okanye kungekho ilayisenisi!
- I-inshente yomshuwalense wentsholongwane izama ukukuvumela ukuba utyikitye ifom engaphelelanga okanye awuyiqondi
- I-arhente igxininisa ukuba ukusebenzisa ixabiso lemali kumgaqo wakho wangoku ukuhlawula iiprayimari kumgaqo-nkqubo omtsha uza kunika inzuzo enkulu engakholwanga kuwe
- I-agent igxeke amanye ama-agent kunye neenkampani. Oku kungabikho kokuziphatha nokungenzi nzuzo kwaye ngokuqinisekileyo uyisilumkiso.