Ubhanki Bomi kunye neNkathazo yeNkampani ibonisa ukuqala kwayo emva kowe-1879. Inkampani ikwase-Chicago, e-Illinois kwaye ikhethekileyo kwiinshurensi kunye neenkonzo zokuthatha umhlala-phantsi kubantu abadala ababonelela nge-inshurensi yongeza inshurensi, i-inshorensi yobomi, i-annuities kunye ne-inshorensi yonyango elide kumakhasimende kulo lonke elaseMelika. . Inkampani yomzali yeBhanki yezoBomi kunye nokuLawulwa yiNational Financial Group.
Iimakethi zenkampani zomshuwalense kunye nemikhiqizo yomhlala-phantsi ngokusebenzisa inethiwekhi yamaofisi angaphezu kwama-275 e-US kunye nama-5,000 amanxusa.
Ukubandakanyeka komphakathi nokubuyisela kuluntu luyinxalenye ebalulekileyo yemisebenzi yenkampani yeBhanki yezoBomi kunye neNkampani yoLuntu. Ngokuxhaswa yi-Alzheimer's Association, iBhanki Life Life and Casualty ibamba imizamo yokuxhaswa kwemali kunye neminikelo yenkampani. Ikwaxhasa kwakhona iSidlo seMigodi kwiMigodi ye-Wheels eChicago ngokunikela ngeminikelo kunye neziganeko zokuxhaswa kwemali. I-CNO yeQumrhu lezeMali liphethe amalungelo okubamba amagama kwiBhanki ye-Life Fieldhouse apho kukho iziganeko ezininzi ezibandakanya i-NBA Indiana Pacers, i-hockey ye-ice, ibhola yebholaji, iikonsathi zangaphakathi kunye nokunye.
Uzinzo lwezeMali
Ubhanki Bokuphila kunye nokuLawulwa yiNkampani yinkampani yomshuwalense ozinzileyo. Nantsi indlela le mibutho ephezulu ye- inshorensi eyimilinganiselo yabhala ngayo inkampani:
I-Business Business Bureau
Ifayile yeBusiness Business yeBhanki yezoBomi kunye nokuBulala kwavulwa ngo-1963 kwaye yaba yoshishini elivunyelwe ngo-2013. I-BBB inikezela iBhanki Ubomi kunye nokuShwabalalisa ukuba yi-"A +". Ngaphezulu kweminyaka engama-3, izibhambathiso ezili-112 zafakwa kunye neenkampani zineenkalo ezinamanani ezi-3.72 kwiinkwenkwezi ezi-5 ezisusela ekuhlaziyweni kwamakhasimende angama-16 (iziphumo ezili-15 ezingalunganga kunye nohlolo olu-1 oluhle).
Izikhalazo malunga nenkampani zifakwe kule mimandla elandelayo: iingxaki zemveliso / inkonzo (73); isiqinisekiso / imiba yewaranti (1); Imiba yokuhambisa (15); Imiba yokuhlawula / yokuqokelela (12) kunye nokuthengisa / ukuthengisa (11). Kwezi zikhalazo, ezili-16 zazisombululiswa ukwaneliseka komthengi.
IiNkampani zeInshshurensi kunye neeNkonzo zoLuntu
Iibhanki zendawo zoBomi kunye nezoKulala kwi-United States zibonelela nge-inshurensi yabathengi kunye neenkonzo zesevisi yomhlala phantsi kuquka:
Inshorensi yobomi
- I-inshorensi yobomi besikhokelo : Iiprogram ze-inshorensi yobomi zinikezelwa ngamaxesha emi-5, 10 okanye 20.
- Iinshurensi Yobomi Bonke : Iinjongo zomshuwalense zonyango zinikeza ubomi obunaphakade-ukukhuselwa kwangaphambili kunye nama-premium angaguqukiyo ngexesha lobomi bomgaqo-nkqubo. Esi sicwangciso sinika nexabiso eliqinisekileyo lokuqokelela imali.
- I-inshorensi yobomi bendalo yonke : Isicwangciso somshuwalense osisigxina sokunikela ngokukhethwa kwintlawulo kunye nokuqokelelwa kwexabiso lemali engenakuhlawulwa kwentlawulo.
I-Medicare Supplement Insurance
- I-Medicare Supplement Plans Izicwangciso ze-A, B, F : Ezi zikhetho ziyakunceda ukuhlawula izinto ezingagqithwanga yi-Medicare kubandakanye n-inshurensi, ukunakekelwa kwezibhedlele ezongeziweyo, iinkonzo zonyango, iinkonzo zonyango kunye neenkonzo ze-ambulensi.
- Izicwangciso ze-Option High Deductible G, i-KL, M, ne-N : Inika ithuba lokukhangela eliphezulu lokugcina imali kwi-premium yakho ye-inshurensi.
- Isicwangciso seNzuzo yeMedare: I-Medicare Benevantage Plans inikezelwa ngabathwali abangabambiseneyo.
- I-Medicare Ingxenye D Isigulana soMhlaza : Izicwangciso zecandelo lokukhusela izidakamizwa zinikezelwa ngabathwali abathintekayo.
Izibonelelo
- I-Annuality Interested Fixed : Isicwangciso sokuthatha umhlala-phantsi esifumana isantya sokuthatha inzala eqinisekisiwe kwaye i-tax-defrable. Imirhumo iyahlawulwa xa imali ihoxiswa.
- I-Index Index Fixed : I-akhawunti yomhlalaphantsi ibophelelwe kwikhowudi yangaphandle yemakethi kwaye ikuvumela ukuba ufumane inzala ngaphandle kokufaka ingozi kwimali yakho yesikhwama semali.
- I-Annuity esheshayo : Izicwangciso ze-Annuity zikhawuleza zithengwa ngesinye sentlawulo-ntlawulo kwaye ihlawula ingeniso ngokukhawuleza emva kokuthenga.
Intshuwalense yexesha elide
- Inkqubo Yomshuwalense Wengqesho Yengqesho Yengqesho Yomhlala-mali : Inkqubo epheleleyo ekunceda ukuhlawula ikhaya lokuhlengikazi kunye neendleko zonyango lwezempilo ekhaya.
- I-inshurensi yoNonophelo lweNkxaso-mali yangexesha elide : Uhlaselwe ngononophelo olwunikwe kumakhaya asebekhulile, ezincedisiweyo zokuhlala kunye neendawo zokunyamekela kwe-Alzheimer.
- Intsholongwane yempilo Yomshuwalense wezempilo : Ulungelelaniso lweendleko zonyango lwempilo ezifana nokunakekelwa ngumongikazi okanye uncedo ngemisebenzi yasendlini.
- Umshuwalense weNkcazo wexesha elifutshane : Uhlawulela kwikhaya okanye ukunakekelwa kwendawo ngexesha lesigxina kwiimfuno ezihlala ngaphantsi komnyaka omnye. \
Insurance Insurance
Ngo-2016, iiBhanki zoBomi zaqalisa iSicwangciso seNkxaso-mali ye-Hospital Indemnity Plan esibonelela ngeenzuzo zemali kwi-hospitalized ngenxa yokulimala okanye ukugula ngengozi. Iintlawulo zihlawulwa ngqo kumnini-nkqubo kwaye zenzelwe ukuhlawula iindleko ezifana nokunciphisa imali kunye nokuhlawula imali engabhalwanga ngumgaqo-nkqubo we-inshorensi yempilo okanye nge-Medicare. Unokufunda ngokubanzi nge-Intshuwalense ye-Hospital Indemnity ngokusebenzisa iiBhanki zokuPhila kunye nokuBulala apha.
Ngaphantsi
Ubhanki Ubomi kunye nokuShwalala igama eliqinisekileyo kwi-inshurensi nakwiinkonzo zomhlala-phantsi kubantu abadala baseMerika. Inkampani izinzile ngokwezemali kunye nomnikelo omhle wokukhethwa komgaqo-nkqubo. Xa uthengisa ixabiso elifanelekileyo kwi-inshorensi yobomi, i-inshurensi yongeza inshuwalense okanye xa uceba umhlala-phantsi wakho; yinto enhle ukuyiqwalasela.
Iinkcukacha zoqhakamshelwano
Ukufumana i-arhente yendawo okanye ufumane i-inshorensi yobomi bomshuwalense, i-Medicare yongeza i-Inthanethi okanye iinkonzo zomhlala-phantsi kubantu abadala, unokutyelela kwi-website yeBhanki ye-Life and Casualty okanye ubiza 800-621-3724.