Inkampani yaseNyuvesi yaseMelika yase-United States yaqala ngo-1937 njenge-United Farm Farm Family. Ekuqaleni, i-United Kingdom Life yasekuhlaleni yaqalisa njengenkampani yomshuwalense yomshuwalense eqinisekisa amakhaya kunye nepropati yamafama. Namhlanje, i-United Farm Life yinkampani yomzali weNkampani yaseInternet Life Insurance. Edibeneyo, zombini iinkampani zinama-dollar ayi-2 yezigidi kwiimpahla ezingaphezulu kwama-20 amabhiliyoni e-inshorensi yobomi bomshuwalense.
Ikomkhulu leenkampani lihlala e-Indianapolis, e-Indiana.
I-motto yekhampani yaseManyeneyo yoBomi "ininshorensi yobomi eyenziwe lula." Ngenye yeenkampani ezimbalwa ezinikezela abathengi imigaqo-nkqubo ye-inshorensi yobomi kungekho mvavanyo ebonakalayo eyimfuneko. Le yintoni "umbandela oqinisekileyo" umgaqo-nkqubo uthetha, akukho mvavanyo efunekayo yokufikelela. Akunjalo kuphela imigaqo-nkqubo yomgaqo-nkqubo ekhutshwe ngaphandle kovavanyo olufunekayo, kodwa kunye nemigaqo-nkqubo yomshuwalense wokhuseleko. Ukongeza kokungabikho kuhlolwa kweempawu ezifunayo, ii-inshorensi ze-Inthanethi yasekhaya yase-United States zinika inzuzo yokufa ngokukhawuleza kunye nenketho yomgaqo-inshorensi yobomi. Ngohlobo olupheleleyo lokuphila kunye nenkcazo eqinisekisiwe yokukhetha ubomi, ukuhlawulwa ngokukhawuleza akufumaneki kodwa kuneminyaka emithathu yokulinda.
Uzinzo lwezeMali
Ukulinganiswa kwezemali ukuzinza kufana nekhadi lakho lokunika ingxelo . Inkampani eneziqinisekiso zokuqina kwemali iza kukwazi ukwenza kakuhle ngokufanelekileyo kwaye ivelise inzuzo ngelixa ikwazi ukuhlawula imali ngokubambisa zonke izibango ezinikezelwa ngabanikazi bepolisi.
Ubomi beManyeneyo boBomi bufumene i-"A-" Isilinganiselo esihle kakhulu kwinkqubo ye-inshorensi ye- AM. Eyona nto ingcono ngenkathi inkampani yomzali, i-United Farm Farm Family Life, ine-"A +" efanelekileyo.
I-Business Business Bureau
Inkampani Yomshuwalense Wezobomi Ekhaya yaseManyeneyo ine-"A-" yokulinganisa ngeBusiness Business Bureau.
Isilinganiselo "A-" sithetha ukuba ininzi yezikhalazo zanyulwe kwisigxina somthengi. Ifayile yeBBB yoBomi baseKhaya yoBomi yavulwa ngo-2006. Amanqaku ahlanganiswe yinkampani yi-3.68 kwinqanaba eli-5 leenkwenkwezi. Kukho kuphela ukuhlaziywa kwezinto ezintathu ezimbi kunye nesinye isikhalazo somthengi esiboniswe kwinqanaba elincinci lelo hlobo.
Inshorensi yobomi
Imveliso ye-inshorensi yobomi efumaneka kwi-Inthanethi yase-United yase-Inshurensi yoBomi iquka i- term life kunye ne- inshorensi yobomi okanye yonke i-inshorensi yempilo. Ukufihla ngokukhawuleza kufumaneke kwakhona. Nantsi imbonakalo ye-inshorensi efumaneka kwi-Home Home Life:
- Inkcazo yeNgxelo Ixesha le-Intshurensi yoBomi: Inkcazo yeNgxelo Inkqubo ye-Injongo ye-inshorensi yobomi iyatholakala kwixabiso ukuya kuma-150,000. Akukho vavanyo lomzimba luyimfuneko ukuthenga le ngxelo. I-inshorensi yobomi besikhokelo yomshuwalense wexeshana ngexesha elithile elinikezelwa ngokweminyaka.
- Inkcazo yeNkcazo Yobomi Yomshuwalense Wonke (I-Beneed Benefit): Umgaqo-nkqubo wabathengi abaneminyaka engama-25-80 kunye neenzuzo ezivela kwi-$ 2,000 ukuya kuma-25,000. I-benefit benefit-graded yile ndlela ilandelayo: inzuzo ye-2-year: ukubuya kwe-premium kunye nomdla we-12%; Unyaka amabini ukubuya kwe-premium nge-24% inzala. Inzuzo yokufa ngokupheleleyo ihlawulwa ngokufa kwengozi. Imigaqo-nkqubo ye-R10 000 okanye ngaphezulu, ungathenga ukuxhaswa okongeziweyo ngokukhawuleza ngokukhawuleza ukufumana umxhasi, ukukhwa kwe-identity waiver okanye umgibeli we-premium kunye nokuhlala kwesibhedlele kwe-premium rider.
- Inkcazo yeNkcazo Yobomi Yomshuwalense Wonke (Inkcazelo Elula): Lo mgaqo ukhutshwe kubathengi abaneminyaka engama-20 ukuya kuma-80 ukuya kuma-5,000- $ 100,000 (i-Ages 61-80 ukuya kwii-50,000 zamawaka). Abagibeli abongezelelweyo bafumane ukwanda kwenkxaso-mali kuquka inzuzo yokufa ngengozi, isigulo sokugula esheshayo, kunye nomgibeli womntwana.
Ukusuka kwiwebhsayithi yenkampani, abanini beemigaqo-nkqubo banokufikelela kwiifom zepolisi ezongezelelweyo kubandakanywa amafomu amabango kunye neefom zeenkonzo zomnini-nkqubo. Ungakwazi kwakhona ukufikelela kwi-Electronic Funds Transfer (EFT) ukwenza iipolisi zakho zihlawulwe ngekhompyutha ngokurhoxisa ngokuzenzekelayo kwi-akhawunti yakho yokujonga okanye yokugcina imali.
Ngaphantsi
Inkampani yaseNyuvesi yaseMelika yase-United States igxininisekile kwi-inshorensi yobomi "akukho-test". Ukuba, nangayiphi na isizathu, ufuna ukuphepha uviwo lwezonyango ukuba uthenge inshorensi yobomi oyifunayo, le nkampani iyafaneleka ukukhangela xa uthengisa ixabiso elifanelekileyo kwi-inshorensi .
Ubomi boBomi beZizwe eziManyeneyo bunika iindidi ezintle zobomi bomshuwalense wezobomi kwaye unamandla amakhulu emali njengoko kuchazwe ngu-AM. I-BBB inika kwakhona i-United home Life i-"A-" yokulinganisela, oku kuthetha ukuba izikhalazo ezimbalwa zifakwe kwaye inkampani yenza imizamo enokholo yokulungisa izikhalazo ezivela kubathengi.
Iinkcukacha zoqhakamshelwano
Unokutyelela kwiwebhusayithi yeNkampani ye-Inshurensi ye-Life Home okanye ubiza 800-428-3001 ukuze ufunde kabanzi malunga nemveliso ye-inshorensi okanye ukufumana ingcaphuno yomshuwalense.