Ngaphezulu kweeBillion zeeDola kwiiNzuzo zoBomi ezingabonwanga, Uzibambela njani iSabelo sakho?
Ngokutsho koPhando lweeNgxelo zabathengi, kukho i-Billion Dollars ezingaphezu kwama-1 eBillion kwiintlawulo ze-inshorensi yomshuwalense engazange ithathwe ngo-2013, ngokuqinisekileyo inani likhuphuka kwaye libuza umbuzo, uyazi njani ukuba ungumntu onelungelo lokufumana inzuzo inzuzo yokufa kwaye uyifumana njani? Kukho iindlela ezininzi zokufumana umgaqo-nkqubo we-inshorensi yobomi.
Unokuba Ngumxhamli kwiNkcenkcesho Yomshuwalense Wobomi kwaye Ungazi Ngayo
Ufunda okuninzi malunga nomntu emva kokufa kwaye unokumangaliswa ukufumanisa ukuba bangaphi abantu abanelungelo lokufa kwaye abanakuze bafumane nantoni na. Kungenzeka ngenxa yokuba umntu ufuna nje ukushiya isipho, kodwa akazange afune ukukwazisa, okanye kungenxa yokuba umntu ukhohliwe ngomgaqo-nkqubo omncinci ngenxa yokuba batshintshe umgaqo-nkqubo wabo womshuwalense wokuphila . Basenokuba libala ukuba ubhalwe phantsi njengelungu loxhamli.
Kwezinye iimeko, umntu unokuthi uthathe ipolisi yomshuwalense wobomi kwaye akukho namnye oza kuluhlu njengoluxhamli, kwaye ukhethe. Amabali onke ngamaxesha onke, apho abantu babengenalwazi ngomntu obabiza ngokuba ngabaxhamli, kwaye ngokukhawuleza bafumanisa ukuba imali ifika kubo. Kukho izizathu ezininzi zemigaqo-nkqubo ye-inshorensi yobomi ukuba ingahambelwanga, kuqikelelwa ukuba 1 kubantu abayi-600 banelungelo lokufumana inzuzo engenakunikwa.
5 Amanyathelo okufumanisa iMfihlo yeeNkcazo zeMpilo okanye iPolisi eLahlekileyo
Ezi nyathelo 5 ziyakunceda ufumane indlela yokukhangela ipolisi yomshuwalense wobomi kwaye wenze ibango ukuba unelungelo lokufumana imali. Kungenxa yokuba umntu akazange akuxelele ukuba unomgaqo-nkqubo we-inshorensi yobomi, akuthethi ukuba akukho mnye, kwaye kufuneka uzame okusemandleni akho ukuwufumana ngokukhawuleza ukuze kunokwenzeka nayiphi na impahla kwimigaqo-nkqubo ingasetyenziswanga ekuhlawuleleni iiprimiyamu.
Iingcebiso zokufumana iPolisi yomshuwalense olahlekileyo
Kukho imeko ezininzi apho abantu abanako ukufumana amaxwebhu e-inshorensi alahlekileyo ngexesha elide. Xa ulahlekelwa ngumntu osondeleyo kuwe kudla ngokukhawuleza kwaye ukufumana amaxwebhu kunokuba nzima. Ezi ngcebiso ziyakunceda uqonde indlela yokufumana umgaqo-nkqubo we-inshorensi yomntu olahlekileyo, okanye indlela yokufumanisa ukuba unelungelo lokufumana inzuzo yokufa ongazange uyayazi.
Kukho iintlobo ezahlukeneyo zeminshuwalense yobomi okanye iinkonzo zokufa, iiprogram zomqeshi zingabanika zona njengenxalenye yeentlawulo ze-inshorensi yezempilo . Kukho imeko apho inkampani yomshuwalense wobomi engazi ukuba umnini-mgaqo-nkqubo uphelile. Oku kubaluleke ngakumbi ngemigaqo-inshorensi yobomi ebonelela ngexabiso, njengemigaqo- nshorensi yobomi bendalo yendalo . Ixesha libalulekile, ngoko ma siqale.
Iimpendulo kwiMibandela malunga neMigaqo-nkqubo ye-inshorensi yokulahleka
Yintoni eyenzekayo kwinzuzo yokufa ukuba akukho mntu uthi imali?
Kuphi ukujonga ulwazi malunga nenqubomgomo yomshuwalense wobomi xa umntu osondeleyo kuwe efa
Indlela yokufuna ipolisi yomshuwalense wobomi olahlekileyo
Yintoni ongayenza ukuba awukwazi ukuba ngubani umgaqo-nkqubo we-inshorensi yobomi. Fumana inkampani yomshuwalense kwaye wenze ibango
Yiyiphi inkcazelo oya kuyifuna ukuba wenze ibango
Ngubani onokufumana ulwazi malunga nomgaqo-nkqubo wokulahleka komsebenzi
Indlela yokufumanisa ukuba ngaba u-Uluhlu njengoMxhamli kwiNkqubo yoBomi
01 Ukukhangela kweeNkcukacha zeeWebhsayithi ngokukhawuleza ukufumana nge-Intshuwalense engabonakaliyo yobomi
Indlela elula yokujonga ukuba ukhangele kwisayithi efana nokulahlekelwa kwemali apho uphando kunye namabango zikhululekile. Ngokutsho kweMali engabikhoyo, banikezela uphando kwiintlobo ezahlukeneyo zeempahla ezingabhalwanga nguMbutho kaZwelonke woLawulo lweZakhiwo ezingabhalwanga (NAUPA).
Ukufuna iNzuzo yeMigaqo-nkqubo engabonakaliyo kunye neMali
Ukukhangela kwi-intanethi inikezela ngolwazi malunga neenzuzo zomgaqo-inshorensi ezingahlawulwanga, izabelo kunye notyalo-mali (ezinokuthi ziphumelele kwimigaqo-nkqubo yempilo okanye kwimigaqo-nkqubo yobomi ) okanye i-annuities, i-trust trust kunye nezinye iimpahla kunye nezinto ezifana ne-akhawunti yebhanki kunye nokunye.
Kuthekani ukuba ulwazi alubonakali kwindawo yokukhangela? Phakama ngokulandelayo: imibuzo ehlala ibuzwa malunga nokufumana nokubiza i-inshorensi yobomi bomshuwalense olahlekileyo ...
02 Imibuzo ebuzwa rhoqo malunga nokufumana iMigaqo-nkqubo ye-inshorensi elahlekileyo
Inkampani yomshuwalense iya kuguqula nayiphi na inzuzo yokufa engabonakaliyo kwiofisi yepropati engaziwayo.
Indlela Yokukhangela Ukujonga Ukuba Unesihloko Semivuzo Evela Kwipolisi Engabonakaliyo Yobomi
Unokuba usesha ukuba ufumane ukuba umntu osondeleyo kuwe osandul 'udlulileyo wayenomgaqo wokuphila. Ngaphezulu kwexesha lobomi bomntu, umntu unokungathenga i-inshorensi yobomi bomnye-inshorensi, ngoko ke ukuba awuqiniseki, ngokuqinisekileyo kukho ezinye iindawo omele uzihlolisise ukuze ufumane izikhombisi malunga nokuba ingaba kukho i-inshurensi yobomi bomshuwalense Ukhohliwe malunga, okanye mhlawumbi ungazi malunga nonke.
Uyazi ukuba bekukho iPolisi yoBomi, kodwa Awazi ukuba yeyiphi inkampani ye-Inshurensi yoBomi iMgaqo-nkqubo eyayinayo?
UMbutho weSizwe weeNkomishinala ze-Inshishini unokukunceda. Qhagamshelana neofisi yakho yomshuwalense wombuso we-inshorensi yombuso umgaqo-nkqubo kwaye unokukunceda, okanye ufunde ngokubanzi malunga nendlela yokuqalisa inkqubo yokufumana ukuba yiphi inkampani yomshuwalense eyakhankasele umgaqo-nkqubo womshuwalense wabantu bakho abathandekayo kwimeko yakho.
Ngaba Ulaliswe njengomNcedisi kwiNkqubo yoBomi?
Ukuze umntu akubeke njengomzuzi kumgaqo wobomi, akudingeki ukuba unike imvume yakho. Oku kuthetha ukuba ungabizwa ngokuba ngumxhamli kumgaqo-nkqubo kwaye unganalwazi. Kukho imizekelo emininzi yamatyala
03 5 Iindawo zokujonga imali Unokuba ngumxholo wokulandela ukufa
Ukuba umntu owadlulayo wayesondele kakhulu kuwe okanye ilungu lendlu yakho, unokufumana ukufumana amaphepha anokukunceda ukuba ufumane i-asethi efihliweyo okanye imigaqo-nkqubo engabonakaliyo engayibhala njengoluxhamli.
Hlola ezi ndawo ezi-5 zokufumana iMigaqo-nkqubo ye-inshorensi yokulahleka
- Hlola amaphepha omntu oshonile kwiikontraka, amakhadi omashishini yomshuwalense wobomi okanye amanye ama-inshorensi, umgcini-akhawunti, okanye uhlolo olukhanselekileyo okanye iingxelo ze-akhawunti. Khangela kwi-bhanki yabo ukuba uthenge nawuphi na umonakalo okhethekileyo okanye omnye umshuwalense. Unokufuna kwakhona ukujonga iibhokisi zepositi zokukhusela.
- Hlola iirekhodi zamandulo zebhanki okanye iingxelo zeakhawunti kwiintlawulo zeenkampani zomshuwalense. Ngaphandle kokuba awufumani umgaqo-nkqubo, iinkcukacha zoqhagamshelwano okanye amaxwebhu afana negama le-inshorensi yomshuwalense yomshuwalense kukukhokelela ekusebenziseni ukungena ekufumaneni ukuba umgaqo-nkqubo wawusasebenza, ukuba unayo nayiphi imali ixabiso okanye utyalo-mali oludibeneyo, kwaye uqalise inkqubo yemangalo yomgaqo-nkqubo olahlekileyo.
- Abantu abaninzi bafumana i-inshorensi yobomi benkxaso-mali okanye ixabiso eliphantsi xa bevela kwimibutho yabasebenzi, imibutho yabasebenzi, kunye nomsebenzi wabo. Xhumana nale ndawo ukuze ufumane ukuba ngaba kukho nawuphi umgaqo-nkqubo okhoyo. Ukuba loo mntu wayethathe umhlala-phantsi, basenokuba ne-inshorensi yempilo okanye enye inzuzo, qi ni sekise kwaye nifunde ngale nto ngokunjalo.
- Hlola i-imeyile ukuze ubone ukuba ufumana nawaphi na amaxwebhu avela kwi-investments okanye kwiinkampani zomshuwalense. Ukuba awukwazi malunga nomgaqo-nkqubo, ke kunethuba elihle ukuba inkampani ingazi umntu odlulileyo kwaye usenokusebenzisa i-asethi yayo ukuhlawula ama-premium echitha inzuzo yokufa. Khangela iingxelo zeenkampani zekhadi lesikredenti eza kwi-imeyile, okanye nawaphi na amanye amaxwebhu eemali kuyo nayiphi na inshurensi enokuthengwa.
- Hlola i-akhawunti yabo ye-imeyile ngemilayezo eya kwi-agent ye-inshorensi okanye kwi-inshurensi yamalungu, iinkqubo zengozi, umshuwalense wezempilo, njl.
Ukuba akukho nanye yale nto isebenza, musa ukulibala ngokukhangela kwi-intanethi! Emva koko, masibukeze ngubani onokwenza ibango kwi-inshorensi yobomi bomshuwalense wobomi. Ngaba uvumelekile?
04 Ngubani onokumangalela ngenkqubo yomshuwalense we-inshorensi elahlekileyo
Ubumfihlo bubalulekile nangona emva kokufa, ngoko ungeke ucinge ukuba uya kuba nelungelo lokubuza malunga nenzuzo yokufa xa ungelona ilungu lentsapho, kodwa kukho iimeko apho nangona ungesilo osondeleyo osondeleyo. ilungelo lokufumana ulwazi; Umzekelo, ukuba ungumzuzi ogqitywe ngumgaqo-nkqubo.
Awunanto yokulahlekelwa yinto yokukhangela inkululeko yomgaqo-nkqubo womntu oshonile kwi-database engaziwayo, okanye uphendule igama lakho ukuze ubone ukuba umntu ufuna ukuba ahlawule inzuzo.
Biza iNkampani ye-inshurensi ye-Life Claims Phone Number
Ungakwazi kwakhona ukubiza umnxeba we-inshorensi yenkampani yomshuwalense, ukuba uyazi ngubani inkampani yomshuwalense wobomi, kwaye ucele ukuba ubone ukuba ungumzuzisi odweliswe kumgaqo-nkqubo. Ngamanye amaxesha, nangona abantu belahlekelwa yintsebenziswano kwiminyaka, banokuthi bangabhaliswa kumgaqo-nkqubo, nokuba ngaba babenokubaluleka njengelungelo lokuxhamla kwaye abanako ukutshintshwa, okanye ngenxa yokuba umntu owadlulayo wayefuna ukushiya nje isipho esimangalisayo.
Yiyiphi iLwazi oLudingayo ukwenza iNtyala kwiNqubomgomo ye-inshorensi yokulahleka?
Ngokuqhelekileyo ukuba ungumzuzi, umenzi welifa okanye elinye lamalungu entsapho alandelayo, njengomlingane, umlingane wekhaya , abantwana, abazukulu, umntakwabo okanye ootatomkhulu, unokubonelela:
- ubungqina bokuba ungubani
- ikopi yesatifikethi sokufa
- inombolo yokhuseleko lomntu ofileyo
Ngokuxhomekeke kwimeko kunye nemigaqo-nkqubo, oku kunokukunceda ukuba uqalise inkqubo efunekayo. Inkampani yenkampani yinshurensi iya kuba nako ukukukhokela ngendlela yokuqhubeka.
Indlela yoBango lweNtsholongwane ye-inshorensi yokulahleka
Xhagamshelana nommeli othengisa umgaqo-nkqubo, okanye inkampani ye-inshurensi ibango. Ukwazisa ngokulahlekelwa ngumnini-nkqubo, ubabone ngolwazi abacelayo. Yonke inkampani ye-inshorensi yempilo iyahluke, kufuneka uqhagamshelane nabo ukuqala inkqubo.
Kuthiwani Ukuba Awaziyo Iphi Inkampani Yomshuwalense Wobomi Ekhutshwe Umgaqo-nkqubo?
Qhubeka ufunda kwaye siyakunceda ukuba uqonde oko kulandelayo
05 Intsholongwane Elahlekileyo Yobomi: Fumana Iphi Inkampani Yomshuwalense Ekhutshwe Ngomgaqo-nkqubo
Ukuba awukwazi ukuba ngubani inkampani yomshuwalense wobomi bokuba, iofisi yakho yomshuwalense we-inshorensi yomhlaba ingakunceda ukuba ufumane inkampani yomshuwalense wenkampani okhupha umgaqo-nkqubo womntu wakho othandekayo ukuba uyazi ukuba uneshuwarensi yobomi, kodwa ungazi ukuba uyifumane okanye uyifinyelele. Qaphela ukuba ukwazi ukuba yintoni na umgaqo-nkqubo owathengiweyo kwaye akukho apho umntu efile khona. Uya kufuna ukuqhagamshelana nomkomishinala welizwe ukusuka kwimeko yokuthenga.
Xa Inkampani Yomshuwalense Wobomi Iinguqu: Indlela Yokufumana Omtsha
Ukuba inkampani yomshuwalense wobomi obambe umgaqo-nkqubo wakho (okanye umgaqo womntu oswelekileyo ofileyo) utshintshile kwaye awukwazi ukuba ngubani umgaqo-nkqubo we-inshorensi yobomi, unokuqhagamshelana neofisi yekomishinala karhulumente ngokufumana iofisi kwimeko yakho , kwaye uya kuba nakho ukunika ulwazi kunye neengxelo zegama lenkampani ye-inshorensi yomshuwalense, ukuba ngaba kukho nawaphi na amaqela e-inshorensi, kwaye ngubani ozakuqhagamshelana naye ukuze afumane ulwazi olufunayo malunga nenqubomgomo entsha yomshuwalense wobomi, amabango okanye iintlawulo.
Iziqulatho ezongezelelweyo: Ezi zilandelayo zilandelayo zifumane izixhobo zosesho zomshuwalense wobomi: i-Alabama, iCalifornia, i-Kansas, iLouosana, i-Missouri, i-North Carolina, i-New Hampshire, i-New York, i-Ohio, i-Oklahoma, iOregon, iTexas, iVermont.