Isicwangciso esisodwa ukuba iinkampani zomshuwalense wobomi zingasebenzisa ukufumana ngaphezulu kukuzama ukuguqula i- inshorensi yakho yomshuwalense kwi- inshorensi yonke yobomi bomshuwalense . Amacandelo ahlukeneyo, anokubandakanya iifowuni zefowuni malunga neenguqu malunga nomgaqo-nkqubo okanye iileta malunga nendlela osondela ngayo umhla wokugqibela we-inshorensi yakho yomshuwalense wexesha. Izwi lenza lizwakale ngathi ufuna ukwenza utshintsho okanye ulahlekelwe ngumsebenzi. Ingaba yinto elungileyo yokuhlaziya inshorensi yomshuwalense ukuba ngoku kufuneka ukhangele ukuba ufuna i-coverage eyongezelelweyo kuba imeko yakho ishintshile. Enyanisweni, abaninzi abantu baya kutshintshwa ukususela kwixesha elide ukuya kwixesha . Funda ukuba ngaba awuyi kuguqula umgaqo-nkqubo yakho ukuba uyilungileyo.
01 Ingaba Iinjongo Ezilungileyo Ukutshintshwa kwiIntshuwalense Yonke Yobomi?
- Ukuba utyalomali ngokwahlukeneyo kwaye ube ne-inshorensi yexesha kwaye uya kudlulayo, intsapho yakho iya kuba ne-investments kunye ne-inshorensi yobomi bomshuwalense, kodwa ukuba unayo inshorensi yomntu wonke, baya kuba nenkqubo yomshuwalense kwaye akukho mali yokutyalomali.
- Thelekisa umlinganiselo weerhafu olwahlukileyo kwiimali.
- Qinisekisa indlela efanelekileyo kwiimeko zakho ezinjengeemeko ezingenakwenzekayo eziye zaphuhliswa ekubeni usuphume umgaqo-nkqubo.
02 Iyini Intshuwalense Yonke Ubomi?
Ubomshuwalense wobomi bonke ngumgaqo-inshorensi oya kuhlawula kuyo yonke impilo yakho. Akupheli emva kwenani elithile leminyaka kwaye nje ngokuba uqhubeka uhlawula iipriyamu zakho abathandekayo baya kufumana inzuzo xa usweleka. Kukwavumela ukuba uhlawule umgaqo-nkqubo kwaye uthabathe imali esetyalwe kwaye uyisebenzise kwezinye izinto. Isilinganiso sokubuyela kule mali sincinci kunezinye iimali-mali. Iindleko ze-premium ziphezulu kune-inshorensi yobomi beminyaka.
- Iintlawulo zeeNyanga ziya kuhlala zithetha kulo lonke ubomi bakho.
- Unako ukukhipha umgaqo-nkqubo wezinto ezifana nesikolo okanye umhlalaphantsi.
- Ireyithi yokubuya ihlala isezantsi kunezinto oza kufumana xa utyalomali imali.
03 Iyintoni i-Term Life Insurance?
I-inshorensi yobomi besikhorensi yomshuwalense wobomi iquka ixesha elithile. Ngokuqhelekileyo, malunga neminyaka elishumi okanye emashumi mabini, kodwa ungayifumana eminye imigomo yomgaqo-nkqubo. Uya kuhlawula iiprayimari ubude bekota, kwaye ukuba uyafa abahlobo bakho baya kufumana isixa-mali somgaqo-nkqubo. Ukuba awufi ngexesha lekota, xa ixesha liphela, awufumani nantoni na. Nangona kunjalo, iindleko ze-inshurensi ziphantsi kakhulu kunezinto oza kuzifumana kumgaqo-nkqubo wobomi.
- Iiprayimari ezingaphantsi kodwa zinomyinge wexesha elifutshane.
- Akunanto efanelekileyo ukuba unesimo esilungeleyo esenza ukuba ube ngumsebenzi onzima winshuwalense.
- Kufuneka uthenge ukuhlawula okuza kuhlala ixesha elide njengoko ufuna ukufaka ingeniso.
04 Ngaba Ubomi Bobomi Buhle Kangcono Njengoko Unako Ukuyihlawula?
Omnye umthengisi we-inshorensi yobomi endiyithethileyo yabonisa ukuba abaninzi abantu baya kuhlawula iiproyamu zabo zentsholongwane yomshuwalense rhoqo ngenyanga, kodwa bangashenxisa utyalo-mali kumntu otshintshileyo okanye basuse imali yokugcina umhlalaphantsi xa izinto ziba nzima kwimali. Wayexela ukuba kungcono ukuba nenqubomgomo yomshuwalense wobomi kuba ubuncinci uhlala utyalo imali. Nangona kungenjalo ukuba unqanda utyalo-mali xa ungasebenzi okanye kufuneka uhlawule ibhilikhi engalindelekanga, uya kuba ngcono xa utyalo imali . Ukuba imali iyanzima kakhulu, awukwazi ukukwazi ukuhlawula iiprayimari kwinkqubo yomshuwalense wobomi bonke, ngelixa unako ukukwazi ukufikelela kwikota ye-inshorensi yobomi nangona ungasebenzi. Esikhundleni sokusebenzisa i-inshorensi yobomi bomshuwalense yonke yenze kube yinto ephambili ekutsaleni umehluko kwi- akhawunti yomhlala phantsi okanye kwi- akhawunti yokutyalomali kwaye uya kuphuma phambili.
- Xhagamshelana nomcebisi wezezimali uze ubone ukuthelekiswa kwezinto eza kwenzeka ntoni xa uthe watyala iintlobo ezahlukeneyo kwiimarike uze uyilinganise nemali oya kuphuma ngayo.
- Ukuseka isicwangciso sokutyalomali endaweni yokuthenga i-inshorensi.
- Qinisekisa ukuba unokubhengezwa okwaneleyo kwezidingo zakho.
05 Ndingayiphatha njani i-Pushy Agent?
Ngenene, ukuba i-inshorensi yakho yomshuwalense uyaqhubeka ezama ukutshintsha imigaqo-nkqubo emva kokuba ucacise ukucinga kwakho emva kokufuna ixesha elilodwa kuphela, unokufuna ukujonga elinye i-inshurensi emele ikuphulaphule. I-inshorensi yobomi bunikeza uncedo oluthile olufunekayo, kodwa umgaqo-nkqubo womshuwalense wobomi awuyona nto ingcono. Enyanisweni, ukuba unempilo yomshuwalense wobomi, kufuneka uyiguqule kwi-inshorensi yobomi bomshuwalense. Isizathu esisodwa oza kuwugcina umgaqo-nkqubo womshuwalense wobomi kukuba unemeko esele ikhona ekhutshiweyo ukuba uthathe ipolisi yomshuwalense wentsholongwane kwixesha elizayo. I-inshorensi isebenza kwikhomishina , nokuba yintoni eyenza bafune ukutshintshela kumgaqo-nkqubo omtsha, nangona kunjalo, ukuba uziva ngathi i-arhente inamandla kakhulu ukuthenga xa usulungele ukuthenga umgaqo-nkqubo omtsha.
- Akufanele uzive unyanzelekile ukwenza into ethile ngabeluleki bakho bezemali.
- Ukuchaza izizathu zokuba uvakalelwa yintengiso yentsholongwane yentsholongwane yinto engcono kakhulu iya kuyeka ingxoxo.
- Qiniseka xa wenze isigqibo sakho.