I-Americo Life Financial kunye ne-Annuity Insurance Inkampani ikwi-Kansas City, eMissouri. I-Kansas City inkonzo zesevisi ezizimeleyo kunye nabanini-migaqo-nkqubo ngokumalunga namaqabane angama-350. Le nkampani yayibizwa ngokuba yinto ebizwa ngokuba yiNkampani ye-Inshurensi ye-Life Life . Isiseko sayo sibuyele kwiminyaka eyi-100. Ngomnatha wee-inshorensi ezizimeleyo kulo lonke elase-US, abathengi banokuthenga iintlobo zee-inshorensi zempilo, i-annuities, ukukhuselwa kwemali mboleko, i-inshorensi yokugqibela kunye ne-Medicare eyongezelelweyo inshorensi.
Intsapho yaseMelika yenkampani ibandakanya inkampani ebambe i- Americo Life, Inc. kunye neenkampani ezincedisayo ezilandelayo: i- American Life Financial kunye ne-Annuity Insurance Inkampani, i-Ohio State Life Company Inkampani, Inkampani e-Great Southern Life Insurance, i-United Fidelity Life Insurance Inkampani, iNkampani yoQinisekiso lwezeMpilo Inkampani ye-Inshurensi yoBomi, iNkampani yeeNkampani ze-inshurensi ye-Life Insurance kunye ne-Investors. eNyakatho Melika .
Njengomnye wezona zikarhulumente ezizimeleyo ezizimeleyo ezizimeleyo ezizimeleyo ze-Unites States, i-Americo Life Life kunye ne-Annuity Insurance Inkampani inezigidi ezingaphezu kwe-6 billion zeempahla kunye nemigaqo-nkqubo engama-659,000 ebhalwe ngaphezulu kweebhiliyoni ezingama-32 zee-british insum. Kwakungenye yeenkampani zokuqala ukuvelisa ubomi be-universities kunye neentengo zemveliso.
Ukulinganiswa kwezeMali kunye nokuHlola kwabaSebenzi
Ubomi beMali weMali kunye neNkampani ye-Annuity Insurance iyinkampani enemali njengoko iboniswe yiyo "A".
Ubomi beMali kunye ne-Annuity Insurance Inkampani ayikho iBBB eyagunyazisiweyo kodwa ine-"B-" isilinganiselo ngeBusiness Business Bureau. Ifayile ye-BBB ye-AmericB yavulwa ngo-1994. Kukho ukuhlolwa okubi kwe-2 kunye ne-20 yezikhalazo zabathengi. I-Americo inomyinge weBBB we-2.56 kwi-5 zeenkwenkwezi.
Inshorensi yobomi
I-Americo inikeza umgca opheleleyo wemveliso ye-inshorensi yobomi ngexabiso elivela kwii-25,000 ukuya kwii-400,000 zamawaka. Imveliso ye-inshorensi yempilo ibhalwe phantsi ngokupheleleyo nguMerika kwaye iquka ezi zilandelayo:
- Ubomi bomshuwalense wexesha
- Inshorensi yobomi bonke
- YesiNtu
- I-Universal Life Insurance
Intshurensi yokugqibela yeNkcitho
Umgaqo-nkqubo wokugqibela wendleko okanye "inshuwalense yokungcwaba" njengokuba ngezinye iyaziwa, iya kunceda iindleko zokuphela kokuphila kuquka nomngcwabo, iintlawulo zonyango ezingahlawulwa okanye ezinye izibophelelo zemali. Iimilinganiselo zokugqibela zemali zakwaMelika ezivela kwi-$ 2,000 ukuya kwii-30,000 zama-dollar kwaye zingatshintshwa ngokuxhomekeka kwiimfuno zakho zemali. Inani lemali yeprayimenti lihlala lizinga kumgangatho womgaqo-nkqubo kwaye ayikwazi ukukhanselwa ngenxa yemicimbi yezempilo okanye ubudala bakho. Ukuba ungeyitshitshisi, unako ukufumana amaxabiso angabizi.
I-Medicare Supplemental Insurance
I-inshurensi ye-Medicare Supplemental okanye i-Medigap, ikhetha apho umgaqo-nkqubo wakho we-Medicare ushiya khona ukunceda ukuhlawula iindleko zonyango ezifana nokuhlawula kunye kunye neendleko kunye nezinye iindleko. Ukuba unayo i-Medicare Part A kunye neCandelo B, uvumelekile ukuthenga umgaqo-nkqubo we-Medicare Supplemental.
Ukukhusela iMboleko
I-Americo inikezela ngemveliso eyahlukeneyo, abagibeli kunye neenzuzo zokukhusela iimpahla ezizimeleyo ezingahlaziywa ukuze zihambelane neemfuno zakho.
Umgaqo-nkqubo wokukhusela i-mortgage unikezela ngemali evela kwi-$ 25,000 ukuya kwii-400,000 zamawaka. Akukho bungqina bento yokuthenga imali efunekayo ukuthenga umgaqo-nkqubo wokukhusela imali.
Ngaphantsi
Ubomi beMali weMali kunye neNkampani ye-Annuity Insurance iye yeshishini iminyaka engaphezu kwe-100. Yinkampani ethembekileyo ngokwezimali kunye ne "A" yokulinganisa ne-AM Best. Ngoxa ibakala leBBB kuphela "B-" kwaye lingcono. Kukho izikhalazo ezingama-20 kuphela kwixesha leminyaka emithathu elincinci elincinane kwenkampani enkulu.
I-Americo inikeza i-inshorensi yobomi kunye nemveliso yokutyalomali kulo lonke elase-US Inkampani inikeza umgca opheleleyo weemveliso zomshuwalense wobomi kuquka nemveli, ubomi obupheleleyo, ubomi besikhathi kunye ne-inshorensi yobomi bendalo yonke. Kwabadala, i-Medicare Supplemental Intshuwalense kunye neNkxaso-mboleko yeNkxaso-mali yokugqibela kunye ne-mortgage protection, yenza ukuba iMelika ibe yinto efanelekileyo yokuqwalasela xa uceba ukuhlala umhlalaphantsi.
Iinkcukacha zoqhakamshelwano
Ukufumana ukucaphulwa kwe-inshorensi okanye ukufunda ngezinye iimveliso kunye neenkonzo ezikhoyo, unokutyelela kwi-website yaseMelika yezoMali kunye ne-Annuity Insurance website okanye ubiza 800-231-0801. Unokuthumela i-imeyile iMelika, ikhasimende.service@americo.com.