Ngo-2012, oogqirha uMutual baqala ukunikela ngemveliso yengcwaba ngaphambi kokucwangcisa.
Iingcali zonyango Intsapho ye-Intanethi yeenkampani zomshuwalense ziquka i-Physicians Mutual Insurance Inkampani (i-$ 2.03 billion kwiimpahla kunye ne-$ 279.7 yezigidi kwiibango ezipheleleyo ezihlawulwa rhoqo ngonyaka) kunye ne-Physicians Life Insurance Inkampani (i-$ 1.43 billion kwiimpahla kunye ne-129,7 yezigidi zamabango ezihlawulwa rhoqo ngonyaka). Ikomkhulu leenkampani lihlala eOmaha, eNebraska. Rob Reed nguMongameli kunye ne-CEO yangoku yeenkampani.
UkuQinisa kwezeMali, ukuBaluleka kweNkonzo yabaThengi kunye neeNkampani zeeNkampani
Oogqirha beMathematika banamanani amaninzi okubakho kwemali kule mibutho ye- inshorensi :
- I-AM Best : "Iingqinisiso ezigqwesileyo zombini zooNkampani yeMicrosoft Mutual Insurance kunye ne-Physicians Inkampani ye-Inshurensi yoBomi
- Izilinganiso ze-Weiss : "A +" Isilinganiselo esihle kakhulu kwiNkampani yeMicrosoft Insurance. "A-" Umlinganiselo ogqwesileyo kwiNkampani ye-Inshurensi yobomi bentsapho
I-Physicians Mutual iye yinkampani eqinisekisiweyo ye-BBB ukususela ngowe-1940. Inokulinganisa "A +" kunye neBusiness Business Bureau. Ngaphezulu kweminyaka emithathu kwakukho izikhalazo ezingama-66 ezivaliweyo. Leli nani elincinci lezikhalazo zenkampani enkulu kangaka. Ngo-2014, i-Weiss Research Associates yashicilela uvavanyo olulinganisela ukwaneliseka kwamakhasimende ngokuphendula kwamakhasimende.
Oogqirha beMatual bafumana i-97% eyanelisayo kwinqanaba elivela kubathengi abathengile impilo ye-inshorensi okanye impilo.
Ngo-2014, oogqirha uMutual bafumana umvuzo weSuku loMgcini we-Arbor ovezwe yi-Arbor Day Foundation. Inkampani inokunceda ukutyala imithi engaphezu kwama-250,000 kwaye inomxholo othi "Imithi yaseMemori" eyenza umthi uhloniphe abathengi ngexesha lokufa kwabo. Inkampani iye yafumana izibhengezo zokuhlala kwindawo yokusebenzela kunye nokutsha kwindlela ye-Medicare Supplemental inshorensi.
Inshshurensi kunye neMveliso yezeMali
- Intshurensi Yobomi: Iintlobo zeentlobo ze-inshorensi yobomi zifumaneka kwi-Intanethi Mutual kuquka i- Term Life Insurance , i- Inshorensi Yobomi Yonke , kunye ne-Innsurance Youth Juvenile.
- I-Medicare Supplement Insurance : Umgaqo- nkqubo we-inshurensi we-Medicare unokukunceda ukuhlawula iinkonzo ezingagqithwanga kwi-Medicare, ukuzalisa isikhala sakho kwi-coverage. Ummeli unokukunceda ukhethe ukhetho olufanelekileyo ngokusekelwe kwiimeko zakho zempilo ezizodwa kunye neemfuno.
- I-inshurensi yamazinyo: Ukugqithisa kwamazinyo ngoGqirha Mutual ukhokhelela iinkqubo ezingaphezu kwe-300 ezibandakanya iimviwo, ukuzaliswa, isithsaba kunye namazinyo. Akukho ductible kwaye unokukhetha umboneleli wakho.
- I-inshurensi yengozi : Iintlawulo zemali yeengozi ezigqityiweyo zihlawulwa ngqo kuwe. Olu khetho lukhethwa ngabathengi abaninzi njengencediso kwi-inshorensi yempilo yonyango ukuncedisa iindleko zonyango ezongezelelweyo ezifana nokunciphisa imali, i-coinsurance, izindleko ezingaphandle kweenethiwekhi kunye neendleko ezigqithise inani lemali elikhuphela lilonke leminyaka.
- Umshuwalense wezeMpilo oNgezelelweyo : Lo mgaqo-nkqubo uhlawula izibonelelo zemali ngokukhawuleza ngqo kuwe ukuze uncede uhlawule iibhilidi zonyango apho umgaqo-nkqubo wakho womshuwalense wezempilo. Umgaqo-nkqubo womshuwalense we-inshorensi ufumanekile ukukunceda ukuhlawula unyango lwezonyango, iziyobisi, izifo kunye neengcali zomhlaza. Umgaqo-mhlaza uphawula ukunyamekelwa kokunyamekela.
- Izihlomelo : Izicwangciso zeemali zifumaneka kwi-Physicians Mutual ukukunceda ngokulondoloza umhlala-phantsi kunye nokwenza imali engenayo yomhlalaphantsi. Izicwangciso zexesha elikhawulezayo kunye nezicwangciso zonyaka ezikhoyo zikhoyo.
- Ukucwangciswa kokucwangciswa komngcwabo : Inkqubo yokucwangcisa kwangaphambili yomngcwabo ikuvumela ukuba uhlawulele umngcwabo ngenzuzo yokufa ekhula ngaphezu kwexesha kwaye ikuvumela ukuba ushiye ezinye iintlawulo ze-inshorensi kumxhamli. Umgaqo womngcwabo ufana nomgaqo-nkqubo we-inshorensi yobomi kodwa umgaqo-nkqubo ngokukhethekileyo umngcwabo ukuhlawula iindleko zomngcwabo.
IiNkonzo zabasebenzi
Iwebsite yenkampani inikeza isikhungo senkonzo yabathengi kwi-24/7 kubaphathi bepolisi apho banokufikelela kwangoko ukujonga ulwazi lomgaqo-nkqubo we-inshorensi, ifomu ukuhlaziya ulwazi lomntu siqu, ukuhlawula ibhilikhi yakho kwi-intanethi, ubhalisele ukuhoxiswa kwebhanki ngokuzenzekelayo kwintlawulo yemigaqo-nkqubo kunye nokufikelela kumgaqo-nkqubo oceliweyo. imibuzo. Ifomu zamabango zifumaneka kwaye zikhutshelwa kwiwebsite yenkampani. Unokukhangela kwakhona kwiimeko zamabango kwi-intanethi.
Ngaphantsi
Kwishishini ukususela ngo-1903, oogqirha uMutual baye bazama ukuvavanya ixesha. Unamandla amakhulu emali kunye nokulinganiswa kwenkonzo yabathengi. Njengomnikezeli kazwelonke, inkampani inikeza umgca opheleleyo wobomshuwarensi wubomi, i-inshorensi yempilo, i-annuities kunye neenkonzo zokungcwaba kwangaphambili kubathengi kwilizwe lonke. Yilona khetho olufanelekileyo lokuqwalasela abathengi abathengi bexabiso elifanelekileyo kwi-inshorensi . Azikho zonke iinketho zokubhengezwa ziyafumaneka kuwo wonke urhulumente.
Iinkcukacha zoqhakamshelwano
Ukuze ufunde kabanzi malunga neemveliso ze-inshorensi ezikhoyo, ukufumana i-arhente okanye ukufumana i-inshurensi yokucaphuna, unokutyelela iiwebhusayithi ze-Physicians Mutual okanye ufonele ku-1-800-228-9100, ngo-8 ukuya kwe-5 ukuya kwe-5 ukuya kwe-5 ukuya kwe-5 ukuya kweeyure.