Umshuwalense we-LifeSource yile nkampani.
Yiyo ye-18 yeyona nkampani enkulu yomshuwalense wobomi kwisizwe. I-InsuranceSource Ubomi bomshuwalense usenoshishini iminyaka engaphezu kwe-100 kwaye uncediso olupheleleyo ngokupheleleyo lwe-Ameriprise Financial Inc. I-Ameriprise Financial yasungulwa ngo-1894 nguJohn Tappan kwaye ikwaseMinneapolis, eMinnesota. Amagama angaphambili kwenkampani kuquka i-Investors Syndicate Life Insurance kunye ne-Annuity Inkampani kunye ne-IDS yeNkampani ye-Inshurensi ye-Life. I-American Express Co. ithenge ii-IDS ngo-1984. Inkampani inika umgca ogcweleyo weenkonzo zokutyalomali kunye neenkonzo zemali, kubandakanywa ulawulo lobutyebi, i-annuities, icebo lomhlala-phantsi kunye neenkonzo zomshuwalense.
I-Ameriprise Financial yaba yinkampani ebanjwe ngurhulumente ngonyaka ka-2005 kwaye enye yezona zikhulu ezinkulu zokucwangcisa ngemali e-US Ameriprise ibekwe kwinani le-248 ngo-2012 lwama-Fortune 500 uluhlu lweenkampani ezinkulu zase-United States ngokwemali engenayo. Ikhamphani yomzali isebenzisa amagama amathathu omatshini kwimveliso yalo kuquka i-Ameriprise Financial, i-Columbia Management kunye noMlambo.
I-InsuranceSource Ubomi bomshuwalense uthengisa kunye neenkonzo zomshuwalense wobomi, i-annuities kunye nemveliso yomshuwalense yengeniso yempesheni.
Uzinzo lwezeMali kunye neZiko loShishino loLungileyo
Inkampani ye-Inshurensi ye-LifeSource ifumaneke amanqaku aphezulu kwiinkonzo zokulinganisa zemali AM Eyona nto, uMsebenzi we-Moody's Investor Service kunye ne-Standard & Poors.
Nantsi le ndlela iinkonzo zokulinganisela zemali zilinganise i-InsuranceSource Life Insurance:
- AM Best -A + (Superior) ngesimo esicacileyo
- Inkonzo ye-Moody's Investor -Aa3 (ichanekileyo) kunye nombono ozinzile
- I-Standard & Poor's (S & P) -AA- (Strong Very) kunye nombono ozinzile
Inkampani ye-Inshurensi ye-LifeSource okanye inkampani yomzali wayo, i-Ameriprise Financial, i-Better Business Bureau eyagunyazisiweyo. Nangona inkampani ingazange ifune ukuqinisekiswa kweBBB, isikhundla seBBB senkampani ye-A +. Ngaphezulu kweminyaka emithathu bekukho izikhalazo ezi-29 ezidweliswe kwiinkalo zemveliso okanye inkonzo, ukuhlawula kunye nemicimbi yokuthengisa. Zonke ezi zikhalazo zazisombulula kwaye sele zivaliwe.
Iinshurensi zeMpilo
KwiNkampani ye-Inshurensi ye-LifeSource ye-RiverSource, ungathenga iintlobo ezintathu ezinkulu ze-inshorensi yobomi:
- Ubomi bomshuwalense wexesha . Ixesha lemveliso ye-inshorensi yobomi inikezela ngenzuzo yokufa engenarhafu. Umgaqo-nkqubo uquka umntu omnye kwaye ufumaneka kwixesha eli-10, 15, okanye eli-20 lemigaqo-nkqubo. Ngomgaqo-nkqubo wokuphila, i-premium iqinisekisiwe malunga nexesha lomgaqo-nkqubo kwaye unakho ukhetho ekupheleni kwenkqubo yomgaqo-nkqubo ukuguqula kwinkqubo yomshuwalense wobomi bomshuwalense.
- Inshorensi yobomi bendalo . Umgaqo-nkqubo wendalo wendalo ngumgaqo-nkqubo ohlala unomphela obandakanya umntu ngexesha lakhe lobomi bonke. Umgaqo-nkqubo unako ukuqokelela ixabiso lemali, onokuboleka kuyo ingeniso yerhafu. Ezinye ezinye iinkalo zomgaqo-nkqubo zibandakanya inzuzo yokufa-ntlawulo yerhafu engenakufumana abaxhamli, isiqinisekiso esingenasiphelo, kunye nesinqanaba esincinci se-interest rate.
- Ubomi bomshuwalense wobomi bendalo. Umgaqo-nkqubo we-inshorensi yobomi bomhlaba wonke uguqulela inzuzo ye-inshorensi yobomi bomsigxina ngeli xesha unika ithuba lokutyalomali kwiimarike. Umgaqo-nkqubo unikeza inzuzo yokufa-ntlawulo yokungafihla irhafu-mali, inzuzo yokufa okuguquguqukayo kunye ne-premium, ukukhutshwa kwentela, kunye nakwezinye iimeko, ukungena kwemali engenayo kwerhafu yemali.
Iimveliso zeMpahla
- Amanqaku ahlukeneyo . Ukuhlawulwa kweentlobo ezihlukeneyo kunika amandla okukhula kwamakethi. Bangakwazi ukukhusela utyalo-mali lwakho lomhlala-phantsi kwaye unikezele ngeniso efumanekileyo yokuphila.
- IiNkcazo zeeNkcazo eziHlomelo . Ukuhlawulwa kweengxelo ezixhaswayo kuzuza inzala, ukuya kwinqwelo, ngokusekelwe kwimisebenzi yeemarike. Nangona imarike yenza kakubi, inzala yakho ekhethiweyo ayizange ihambe ngezantsi.
- Amanxeba aHlomelo . Unika izinga elimisiweyo lokubuyisela ngelixa ukhusela inqununu yakho. Uqinisekisile ukukhula kunye nenqanaba lentengo eliqinisekileyo kungakhathaliseki ukuba iimeko zeemarike.
- Annuities Immediate Annuities . Ngomhla wokukhawuleza, unako ukufumana inani elithile lemali engenayo ebomini bakho okanye ixesha elithile.
Ukufumana iSikethi
Kusuka kwi-website ye-InsuranceSource ye-RiverSource Life, unokufumana i-quote esheshayo ye-inshorensi yobomi beminyaka, iTrioSource (umthombo womshuwalense wobomi bendalo yonke). Ukuze uphakamise i-inshorensi yobomi, uya kubuzwa imibuzo ethile yomntu siqu njengomhla wokuzalwa, isini, isimo sokuhlala, ukusetyenziswa kwecuba, isimo sempilo kunye nemali yokufunyanwa ofuna ukuyithenga. Ngolu khetho olukhawulezayo lwenkokhelo, ubona iziphumo ze-10-, 15-, kunye ne-20-year-level policy policy. Ukuze wenze ukuthengwa kokugqibela, kufuneka uqhagamshelane nomcebisi wezezimali we-Ameriprise.
Okuhle nokubi
Iinkonzo
- Inkampani izinzile ngokwezemali kunye nokuhlaziywa kweenkonzo ezilungileyo zabathengi.
- Iwebhusayithi isebenzisekile kwaye uncedo lufumaneka lula kwi-intanethi nangaphezulu kwefowuni.
- Ngokusebenzisa i-Ameriprise Financial Inc., unokunyamekela zonke iimfuno zakho zeenkonzo zemali kwinkampani enye.
Umxhasi
- Inkokhelo yemali ye-inshorensi yobomi bomshuwalense wendalo yonke ayiqinisekisiwe.
- Kukho izikhalazo zamakhasimende ambalwa kwiinkonzo zenkonzo kunye neentlawulo.
- Umgaqo-nkqubo we-inshorensi yobomi bomhlaba wonke awukho kuwo onke amazwe.
Iinkcukacha zoqhakamshelwano
Unokufumana ulwazi oluninzi malunga nemveliso ye-inshorensi yobomi efumaneka kwi-website ye-RiverSource Life Insurance Company, ngokusebenzisa i-agent locator kwiwebhusayithi okanye ngokubiza (800) 257-8740, 8 ukuya ku-5 ntambama, i-Central Standard Time, ngoMvulo ULwesihlanu.