Inkonzo yomshuwalense yokukhubazeka kukunceda uqhubeke neendleko zokuphila ezifana nezindleko zesebenzi , ukutya, izambatho, iintlawulo zempahla kunye nokunye xa ukhubazekile kwaye ungakwazi ukusebenza. Ukwazi ukuba ukhuseleko lwakho lwezentsapho lukhuselekile lunokuhamba ixesha elide ekunikeni uxolo lwengqondo. Ngokuqhelekileyo, i-inshorensi yokukhubazeka inika phi ukuya kwi-65% yengeniso yakho yonke. I-MetLife ingenye yeenkampani zomshuwalense ophakanyiswe ngokubhekiselele ekuboneleleni ngemveliso yomshuwalense yokukhubazeka.
Inkcazo yeNkampani
EkwaMidtown Manhattan, kwisixeko saseNew York, iinkampani ezimbalwa ze-inshorensi zineembali ezinde kunokuba i-MetLife Insurance Company. Yayisungulwa ngo-1868 kwaye iyona bhorensi enkulu yokuphila e-United States. Inkampani ine-"+
I-MetLife inikeza abathengi iimveliso zomshuwalense wobomi, kuquka i-inshorensi yomshuwalense kunye neyonke . kunye ne-inshurensi yokukhubazeka kwabo bobabini kunye nabanini-shishini, ama-annuity, inshurensi yamazinyo, i- home and auto-inshurensi .
Kwakhona, unako ukufikelela kwiinkalo ezahlukeneyo zemveliso ezifana nokucwangcisa umhlalaphantsi , ulawulo lobutyebi, kunye neenkonzo zokuboleka imali.
IziCwangciso zokukhubazeka zeMetLife
I-MetLife inikeza izicwangciso ze-inshorensi zokukhubazeka ezintathu:
- I-MetLife Income Guard : Ukwaziswa okubanzi kunye nokwenza ngezifiso ezilungiselelwe iinkalo ezikhethekileyo zokubhengezwa kwabaphathi kunye nabaqeqeshi bezonyango. Esi sicwangciso sifumaneka kuwo onke amazwe ngaphandle kweCalifornia.
- I-OMNI Iimfuno : Ukhetho olubanzi kunye noluntu olumiselweyo lokukhusela ingeniso kumthengi kwisabelo-mali. Esi sicwangciso sifumaneka kuwo onke amazwe ngaphandle kweCalifornia.
- I-Salaver Saver-CA kuphela : Esi sicwangciso singabanini bemigaqo-nkqubo yaseCalifornia kwaye ivumela ukufumana ingqalelo enkulu kwizonyango kunye nabaqeqeshi abaziphetheyo ngokukhetha okukhethiweyo okuvumela ukuba uthenge i-coverage eyongezelelweyo ngaphandle kokubhala phantsi.
AbaPhuhli beNgcaciso yoMgaqo-nkqubo we-Inthanethi
I-MetLife inikezela abathengi bayo ithuba elide kunye nexesha elifutshane lokukhubazeka kwinshorensi ekhutshwe ngokwezifiso kunye nabagibeli abafumana ukhetho lokufumana ukhuseleko olongezelelweyo. Nantsi ingqikquthela yabakhweli bomgaqo-nkqubo:
- Isibhedlele seZibhedlele Isibonelelo seRider: Isibhedlele sokugqithwa esibhedlele siya kuhlawula i-$ 500 ngosuku ngokubhedlele esibhedlele kunye nokuphindwa kabini inzuzo xa unesicandelo lokunyamekela.
- Ingozi Yemali Yenkcitho Yonyango: Unokwenza umgaqo-nkqubo wakho wokukhubazeka ngokufaka umqhubi wezonyango obizayo wezonyango kwaye ufumane i-$ 1,000- $ 5,000 yeebhilidi zonyango ezenziwa emva kokulimala. Isixa siya kubuyiselwa kuwe emva kokuba wenze intlawulo kwiziko lonyango.
- Ukubuyiselwa kwe-Premium Benefit Rider: Lo khetho lomgaqo-nkqubo ukhangeleka abo bafuna ukhetho lokufumana i-premium engasetyenziswanga. Emva kokuba ube nenqubomgomo yokukhubazeka iminyaka elishumi, ungayifumana i-50-80% yiphina i-dolum ye-premium engasetyenziswanga nayiphi na ibango. Oku kufumaneka kwiinkqubo ezide kunye nexesha elifutshane.
- I-Assurance Social Supplement Benefits Rider: Oku kungongeza kwi-MetLife umgaqo-nkqubo wokukhubazeka wexesha elide ukuhlawula iintlawulo ezongezelelweyo kuma-insureds angafanelanga ukufumana inzuzo yeNtlalo yoKhuseleko okanye iMbuyekezo yoBonelelo ngabasebenzi.
Pros & Cons
I-MetLife inomlando omde kwaye yinkampani ecwangcisiweyo yezimali onokuxhomekeka kuyo ukuba ube ngeenxa zonke xa kufuneka ukuba wenze ubango-inshuwalense yokukhubazeka. Inkampani inikeza ukhetho olubanzi lweenzuzo kunye nezinketho ezenzelwe ukukunika ukuguquguquka okukhulu xa ukhetha umgaqo-nkqubo we-inshorensi yokukhubazeka. Zonke izicwangciso zokukhubazeka zeMetLife azifumaneki kuwo wonke urhulumente nakwiwebhusayithi ngokuthe ngqo, uludwe olucacileyo ukuba iSicwangciso soLondolozo lweMetLife yeNgeniso asifumaneki kwilizwe laseCalifornia.
Iinkcukacha zoqhakamshelwano
Unokutyelela i-website ye-MetLife Insurance ukuze ufunde kabanzi malunga nomgaqo-nkqubo we-inshorensi yokukhubazeka kunye neminye imveliso ye-inshurensi okanye ufonele ku-1-800-638-5000.
Unokuthumela i-imeyile ye-MetLife usebenzisa i-Contact Us feature.