Uhlolo lweNkampani yeAARP

Izinketho zoNcedo lweInnshurensi kubaRhafu

Umbutho waseMelika wabantu abahlala phantsi (i-AARP) ayikho inkampani yomshuwalense. Inhlangano yobulungu engekho inzuzo kubantu abahlala phantsi. Ngoko kutheni unikeze uhlaziyo lwe-AARP? Abathathe umhlala-phantsi banemfuno yomshuwalense. Ngokuqhelekileyo, zivela kwindawo yokusebenza apho iinkonzo zonyango zibonelelwa ngabaqeshi. Laba baphumelele ngoku bajongene nomsebenzi wokufumana i-inshorensi ekhoyo.

Nangona bengabhalisi imigaqo-inshorensi, yintoni i-AARP eyenza ukuba bathathe umhlala-phantsi ukuba banqwenele ukuyithengisa enye yazo zonke iimfuno ze-inshurensi.

Inkcazo yeNkampani

Abadala abakudinga i-inshorensi baya kufumanisa ukuba i-AARP inikezela ukhetho olubanzi lweemveliso ze-inshorensi kumalungu athile amanani athatyathwayo-onke afakwe ngabaphathi abathintekayo abaphezulu. Kubani nabani na ngaphezu kweminyaka engama-50 abafuna i-inshorensi ehlawuliswayo yokufumana umhlalaphantsi, i-AARP ibalulekile ukuhlola.

I-AARP isincede ekuphuculeni umgangatho wobomi kubantu abangaphezu kweminyaka engama-50 ukususela ekuqaleni kwayo. Umbutho wasungulwa ngo-1958 ngumphathi-nqununu we-high school, uEthel Percy Andrus, ekuphenduleni imfuno yokufumana i-inshorensi yezempilo eyaneleyo.

I-AAR imisele ukusebenzisana emhlabeni jikelele ukukhuthaza impilo kunye nomgangatho wobomi kubantu abakhulu. Inhlangano yenye yeqela elikhulu kunye nelinamandla kakhulu lokubambelela kwimicimbi yabantu basebekhulile e-United States.

Enye yeenkonzo zayo ezibalulekileyo kunikezela izaphulelo kubantu abadala kwiimpahla zabathengi, iziyobisi zonyango kunye neenkonzo zomshuwalense. Iingxelo ze-AARP Release Release i-organisation inamalungu angama-38 yezigidi kwi-United States.

Pros & Cons

Iinkonzo

• Abemi baseUnited States abangaphezu kweminyaka engama-50 banokuthenga iintlobo ezininzi ze-inshurensi ngokusebenzisa i-one stop stop stop shopping

• Bonke abathwali bazinzile ngokwezimali kwaye bavakaliswe kakhulu nge-AM Best Inkampani, inkampani yenkampani ye-inshorensi kunye nenkcazelo.
• Izaphulelo ziyafumaneka kwimida emininzi yomgaqo-nkqubo.
• Amalungu e-AARP angafikelela kwezinye iinjongo ezifana neelaphulelo ezininzi zokuhamba kunye nekhadi lekhredithi ye-AARP VISA, evumela amalungu ukuba athole amaphuzu okufumana umvuzo.
• Iimali zobulungu ziphantsi kwe-16 kuphela kuphela ngonyaka kunye nobulungu bentlalo kwiqabane okanye iqabane.

Umxhasi

• Amanye amalungu angenakufuna ukufumana iindwendwe ezininzi zokuthengisa ezithunyelwa kumalungu ngeposi kunye ne-imeyile.
• Amalungu angavumelani nemeko yezopolitiko kwintlangano kwimicimbi efana ne-Medicare okanye ukulungiswa kwempilo.
• Ukuba unempilweni enempilo, i-AARP ingenakho ukubonelela ngeyona ndlela yincinci yezempilo nempilo yomshuwalense. Kusenokwenzeka ukuba unokufumana ixabiso elifananisiweyo-okanye elincinci-Intshurensi yeMpilo yabadala okanye i- Inshurensi yoBomi yabaRhafi ngaphandle kwemibutho.

Products Insurance

• Umshuwalense Wemoto - I-Hartford inikeza i-inshurensi yemoto kumalungu e-AARP. Ezinye iindidi kumgaqo-nkqubo walo ziquka ukuxolelwa kwengozi, imigqaliselo yomgaqo wonyaka opheleleyo ngokuvalelwa kwiirhafu, kunye nexabiso elitsha lokutshintsha imoto. Izaphulelo zokuqhuba ngokufanelekileyo ziyafumaneka kunye nokukhethwa kokuhlaziywa kokuphila.

• Intshurensi yabanini-makhaya - Intshurensi yaseKhaya nayo iHartford. Abaxhasi banokwenza ngokwezifiso ukuhanjiswa ngokweemfuno zabo kwaye banokhetho lokuxabisa i-100% yekhaya kunye neziqulatho. Kukho ukuxolelwa ngokuxhomekeke kwiintlawulo ezilahlekileyo.
• Intshurensi yezeMpilo - i-Aetna inika i-inshurensi yempilo kuma-AARP amalungu. Kukho iinketho ezininzi ezikhoyo kwi-inshurensi yezempilo. Amalungu angakhetha izicwangciso zonyango lwangexesha elide, inshorensi yamazinyo kunye nombono, izicwangciso zentlawulo yezibhedlele, kunye nokunyamekela kunika inzuzo kwiinkonzo zokunakekelwa kwezindlu-ekhaya kuquka nomhlengikazi wezempilo.
• I-inshurensi yobomi-Inkqubo ye-inshurensi yobomi bomshuwalense ibonisa iimveliso ezinikezwa yiNew York Life Insurance Company. Ezinye zezona ndlela ezikhethiweyo ezifumanekayo kule nkqubo ziqinisekisiwe yomshuwalense wobomi besikhorensi, ukhuseleko olongezelelweyo lwe-inshorensi yobomi, kunye ne-inshorensi yobomi obungunaphakade. Akukho vavanyo lomzimba olufunekayo kwi-inshorensi yobomi bomshuwalense.

• Ezinye iiMveliso ze-Inshorensi- Amalungu anokukhetha ukuthenga i-inshorensi yexesha elide kunye ne-inshurensi kwiithuthuthu, izikebhe kunye nezinye izithuthi zokuzonwabisa. Amalungu ahlala ePuerto Rico okanye e-US Virgin Island angathengisa impahla kunye neentengo zempahla zomshuwalense ezinikezelwa yiNkampani ye-Real Legacy Assurance, Inc.

Ukufaka isicelo sokuPhucula

Ukufaka isicelo sokufumana i-inshurensi ye-AARP, kufuneka ube ilungu. Ungagqiba isicelo sobulungu se-AARP kwi-intanethi. Ukuqhagamshelana ne-AARP ngolwazi oluthe vetshe, ungabiza i-free-free kwi-888-I-AARP (888-687-2277) okanye i-imeyili@aarp.org.