Inkokhelo yengeniso yomshuwalense inceda ukukhusela ukhuseleko lwezezimali wena kunye nosapho lwakho malunga neziganeko ezingalindelekanga zobomi.
Nangona usenayo isicwangciso sokukhusela ingeniso kumqeshi wakho, icebo lokukhusela ingeniso lenza umntu azalise izikhala kwaye akushiye ukufumana ingxelo epheleleyo kunye nokuthula kwengqondo. Umntla weNtshonalanga yeMutual unikezela abathengi bayo umgaqo-nkqubo wokukhusela umhlala-phantsi wokukhubazeka kunye neendlela ezahlukeneyo zokhetho.
Inkcazo yeNkampani
Eyasungulwa ngo-1857, iNkampani yeNkampani yeNshishino yeNkampani yeNshishino ye-Intanethi yeNtshonalanga-ntshona enye yeenkampani zomshuwalense zakudala e-United States. Yona ngumbhali ophezulu ngokubhekiselele kwi-inshorensi yobomi e-US kwaye njengenkampani edibeneyo, ihlawula igalelo kumnini-nkqubo walo. I-Northwestern Mutual iyigama lokuthengisa kwiNkampani yeNtshonalanga ye-Mutual Life Insurance kunye nazo zonke iinkampani zayo ezincedisayo. Inkampani yeNkampani yeNshishino ye-Intanethi ye-Mutual Life, iMilwaukee, i-WI (NM) ngumlobi winshuwalense yonke yokukhubazeka. Ikomkhulu lekampani likuMilwaukee, iWisconsin kwaye le mibutho ye-inshorensi yanikeza uMgangatho weNtshonalanga-mpahla we-Mutual ukulinganisela kwamandla omlinganiselo:
- AM Best - A ++ (AM Best Best Isisindo Rating)
- Inkonzo ye-Moody's Investor Service - Aaa (i-Moody's Highest Rating)
- I-Standard & Poor's (S & P) - AA + (I-S & P yeSibini yePhakamileyo)
- Ukulinganiswa kwe-Fitch - AAA (i-Fitch's Highest Rating)
Kwakhona kunesilinganiselo "A +" kwiBusiness Business Bureau. I-Northwestern Mutual inikeza iimveliso zomshuwalense kubandakanya inshorensi yobomi, i-inshorensi yokukhubazeka, iinkonzo zentsholongwane yenkxaso-mboleko yenkxaso-mali yangexesha elide , inkxaso-mali kunye nokuhlawulelwa ngamaofisi angaphezulu kwama-330 ase-United States.
Izicwangciso zokukhubazeka eziMntla-ntshona
I-Northwestern Mutual Mutual inikeza iintlobo ezahlukeneyo zezicwangciso ze-inshorensi zokukhubazeka ukuhlangabezana neemfuno zakho zokukhusela iimali zodwa kunye neengqungquthela ezibandakanya ezinye iinkcazelo ezine zokukhubazeka ngokupheleleyo kunye nokukhetha ukukhubazeka kokukhetha ukukhubazeka xa ukwazi ukusebenza ixesha lesithuba.
Izinketho zePalamente zokuQala
- I-Non-Cancelable Eqinisekisiwe yokuhlaziywa: Kwi-premium ephakamileyo, unokufumana ukuhlaziywa okuqinisekisiwe okuqinisekisiwe kunye ne-premium ye-premium nkqubo kunye neenzuzo zokuncedisa.
- Ukuqinisekiswa okuqinisekileyo: Iindleko zakho zepolisi ziya kuba ziphantsi. Nangona izibonelelo zakho azikwazi ukutshintsha ngolu khetho, inani le-premium lingatshintsha ngeklasi.
- Umgangatho: Ngenqanaba lokukhetha, i-premium yakho iya kuhlala inqanaba ngelixa umgaqo-nkqubo usebenza.
- Ingeniso yonyaka yokukhubazeka (ARDI): Ngolu khetho, uya kuqalisa ngeeprayimari zamanqanaba angaphantsi oya kukhula kancinci. Unenketho yokuphucula oku kukhethwa kwiNqanaba leNgcaciso yeNqanaba leNqanaba.
- Inqanaba / i-ARDI: Olu luhlanganiso lweNqanaba kunye neNkqubo yoNyango yokuNyuka kweNzuzo yokuNyuka .
Iinzuzo ezikhethiweyo
- Inzuzo yokuthenga eyongezelelweyo: Inzuzo yokuthenga eyongezelelweyo iya kukuvumela ukuba uthenge i-inshorensi yokukhubazeka eyongezelelekileyo nje kuphela xa umgca wokufikelela udibana nezikhokelo zokubhala phantsi kweNyakatho ntshona.
- Inzuzo yokwandiswa kwexesha elizayo: Unika ukhuselo lokunyuka kwamaxabiso o-6% oluqulunqwa rhoqo ngonyaka.
- I-Benexed Income Benefit: Ukuba ukhubazekile ngeenyanga ezilishumi elinambini, unokukhuselwa kwexabiso lentengo ukuya kuma-6% ngonyaka.
- Inzuzo Yomshuwalense WezeNtlalo: Uncedo olukhethiweyo lokuncedisa ukukhubazeka kwezentlalo.
Ezinye iiMveliso kunye neeNkonzo ezikhoyo
Ukongeza kwi-inshorensi yokukhubazeka, umrhumo we-Northwestern mutual unikezela ngeenkonzo zezimali kuquka ukucwangcisa umhlala-phantsi, inshorensi yobomi, i-annuities, iinkonzo zotyalo-mali, izicwangciso zokulondoloza ikholeji, ukucwangciswa kwempahla kunye neenkonzo zoshishino.
Ubomi kunye namaqonga emali kwaye kunikezelwa njengemithombo kubasebenzisi kwaye bajonga uluhlu lwezinto eziquka izifundo zentsapho, ikhaya, imfundo kunye nemali. Abacebisi ngezezimali kunye nootyalo-mali bafumaneke isiluleko kunye nabathengi kwaye bancede bafumane iimveliso abayidingayo.
Pros & Cons
Ikhampani yeNtsholongwane yeNtsholongwane ye-Mutual Life inexabiso elinamandla kakhulu kwiimali zeenkampani ze-inshorensi kunye nerekhodi ephezulu kumsebenzi wabathengi. Zizo zonke izinto ekufuneka zijonge xa ukhetha inkampani yomshuwalense. Umgaqo-nkqubo we-inshorensi yengeniso yokukhubazeka inezinketho ezininzi zokwenza umgaqo-nkqubo ukuze ulungele iimfuno zakho ezikhethekileyo kunye nemeko yobomi.
Akukho buchule bokufumana isicatshulwa kwi-intanethi ukuze udibanise nommeli wenkampani ngenqaku okanye ukuthenga i-coverage.
Iinkcukacha zoqhakamshelwano
Unokutyelela kwi-website yeNkampani yeNshishino ye-Intanethi ye-Mutual Life Insurance ukuze ufunde kabanzi malunga nokuthenga umgaqo-nkqubo we-inshorensi yengeniso yokukhubazeka okanye ezinye iimveliso zomshuwalense yenkampani. Ungabiza no-414-271-1444, ngo-7: 00 ukuya ku-6: 00 ebusuku.