Le nkampani yasungulwa ngo-1928 ngu-AP Giannini ngenjongo yokukhonza i-shishini elincinci kunye nezolimo. Kule minyaka, i-Transamerica ikhule ibe yinye yeenkampani zomshuwalense-bhorensi ebalulekileyo kwilizwe. Inkampani yase-Transamerica ye-Inshurensi ye-Life isekelwe kwiCedar Rapids, i-IA, ngelixa i-Transamerica yezeNkampani ye-Insurance Life isekelwe eHarrison, NY. I-Transamerica yezeNkampani ye-Insurance Life ilayisenisi yokwenza ishishini eNew York ngelixa i-Transamerica Life Insurance Inkampani ibhala imigaqo kuzo zonke iindawo.
Uzinzo lwezeMali kunye neeNkonzo zabathengi
Ngaphambi kokuthenga umgaqo-nkqubo we-inshorensi yobomi, kukulungele ukujonga ukuzinza kwezimali kweenkampani. Iinkampani zeenkampani zemali zibonelela ngokubanzi indlela inkampani eyenziwe ngayo ngaphambili kunye nendlela onokuyilindela ukuba yenze ngayo kwixesha elizayo. Inkampani ye-Transamerica Life Insurance kunye ne-Transamerica yezeNkampani ye-Inshorensi yezeMpilo ihlala ifumana amanqaku aphezulu kwimibutho yokulinganisa imali:
- AM Best : (A +) Ophezulu
- I-Standard & Poors : (AA-) Inamandla kakhulu
- I-Moody's: (A1) Enhle
- Fitch : (AA-) kakhulu
Nangona i-Transamerica ayinayo imvume yokuBhengeza iBusiness Better, ine-"A +" kunye nenhlangano. Ngaphezulu kweminyaka emithathu, kwakukho izikhalazo ezingama-80 kwiindawo zokuhlawula, ukuqokelela kunye neengxaki zenkonzo.
Zonke izikhalazo zazisombuliswa ngokufanelekileyo.
I-Insure.com inikezele iTransamerica nge-award "People's Choice". Eli bhaso lisekelwe kukuneliseka kwabathengi kwimimandla yenkonzo yabathengi, amabango, ukubaluleka kunye nokuba kungenzeka ukuba umthengi ukucebisa inkampani kwabanye. Iinkampani ezithe zaphumelela ibhaso zazingundoqo ezintathu emva kokuba iziphumo zophando zabathengi zifumaneke.
Iinshurensi zeMpilo
I-Transamerica inikezela abathengi bayo ukhetho oluninzi lwemveliso yomshuwalense wobomi kuquka:
- Intshuwalense Yobomi Bendalo : Ngomgaqo-nkqubo womshuwalense wobomi bomshuwalense we-Transamerica, umxhamli wakho uya kufumana iinzuzo zokufa ngokwemiqathango yomgaqo-nkqubo. Enye yeempawu ze-inshorensi yobomi bomshuwalense wendalo yonke kukuba yakha ixabiso lentengo onokuyiboleka. Unokukhetha inani lemali-premium ofuna ukuhlawula ngenyanga (kwimida ethile) kwaye le premium ibeka inani lemali lomgaqo-nkqubo wakho.
- Intshumo ye-Universal Life Insurance : Umgaqo- nkqubo we-inshorensi yobomi bendalo yendalo yonke inomgaqo- nkqubo womshuwalense wobomi bomhlaba wonke kodwa unikezela nabanikazi bomgaqo-nkqubo ithuba lokutshala kunye nokwanda kwexabiso lemali yomgaqo-nkqubo ngokusebenzisa ukukhula kweerhafu nokunyuswa kweerhafu utyalo mali.
- I-inshorensi yoBomi besikhokelo : Inkcitho yomshuwalense wexesha lokuhlala iyintetho kubantu okanye kwiintsapho ezingenako ukukwazi ukufumana umgaqo-nkqubo wokuphila njengomshuwalense wendalo . Ngenxa yokuba ixesha lepolisi lichazwe ngokucacileyo kwaye akukho mali yexabiso lemali kumgaqo-nkqubo, i- premium ye-inshorensi yobomi bomshuwalense wexesha iyabiza.
Ukufumana i-Quote for Life Insurance
Ukufumana i-inshorensi yobomi kwiwebhusayithi yeTransamerica, uza kuphendula imibuzo ethile malunga nosapho lwakho, iimali, impilo kunye nohlahlo lwabiwo-mali. Ngokwe-website, inkqubo ithatha malunga nemizuzu emithathu. I-Transamerica isebenzisa isicwangciso sokuqikelela ukufumana ukuba yeyiphi i-inshurensi yobomi engcono kuwe.
Okokuqala, uphendula iimbuzo zomntu siqu ezifana nesimo somtshato, abantwana, nawuphi na abazali abahlala nawe okanye ukuba unika uncedo oluphambili, ukuba ungumhlolokazi okanye uqhawule umtshato.
Eminye imibuzo ibuzwa malunga nokuxanduva lwezemali, amatyala, iimfuno zokugqibela kunye nokucwangciswa kwempahla. Uyacelwa ukuba uzimisele ukuthatha uvavanyo lwezonyango kwaye kufuneka uphendule imibuzo malunga nayiphi na imicimbi yezempilo okanye ukhubaze onayo kunye nemiphi imikhwa engafanelekanga. Ekugqibeleni, ubuzwa imibuzo malunga nohlahlo lwabiwo-mali kwaye ukuba ufuna inqubomgomo yomshuwalense wobomi obangela ixabiso lentengo kunye naluphina izicwangciso zomhlalaphantsi ozayo. Emva kokuba uphendule yonke le mibuzo, unikezwa ngeendlela ezikhethileyo ezihambelana neemeko zakho kwaye unethuba lokuthenga isicwangciso se-inshorensi yobomi efanelana nawe.
Iinkonzo
- Inkonzo yamakhasimende ephakamileyo
- Ukhuseleko lwemali
- Iimveliso zomshuwalense wobomi bokhuphiswano
- Iintlobo zeemveliso ezikhoyo
Umxhasi
- Ezinye i-insureds zikhalazo malunga nokujongana nabameli beqela lesithathu kunokuba bathengise ngokuthe ngqo.
- Akukho kuvunywa kweBBB
Iinkcukacha zoqhakamshelwano
Ukufumana ukucaphulwa kwe-inshorensi okanye ukufunda kabanzi ngeemveliso zomshuwalense we-Transamerica, unokutyelela kwiwebhusayithi yeTransamerica, fumana i-arhente ene-agent ye-locator okanye umnxeba 1 (800) IPYRAMID (797-2643).