Imbali Yenkampani
Izilinganiso ze-Weiss ziyinxalenye ye-Weiss Group, LLC. Le nkampani inamacandelo amane: i-Weiss Research, i-Weiss Ratings, i-Weiss Capital Management kunye neSchool Weiss.
Inkampani yophando yasungulwa ngo-1971 nguDkt. Martin D. Weiss njengenkonzo yokuhlaziya iibhanki zase-US. Ngowe-1987, inkampani yathola iTJ Holt & Inkampani kwaye yaqalisa ishishini lokulinganisa. Ngomnyaka we-1987, u-Weiss washicilela ukulinganisa kwiibhanki ezingaphezu kwe-13,000 kunye nokugcinwa kwamabhondi kunye namaziko okubolekisa.
Ukulinganisa kwe-Weiss kwaba yinkqubo yokuqala yokubambisa i-inshorensi ukukhupha amandla okulinganisa ngokwezimali zempilo kunye nenkampani yomshuwalense yezempilo. Ngo-1993, u-Weiss naye waqala ukupapasha amanqaku epropati kunye nenkampani ye-inshorensi yokubulala. Le nkampani yaqatshelwa yi-US Government Accountability Office (GAO) njengoko ikhuphele ngokucacileyo izilumkiso zenkampani ye-inshorensi yokungaphumeleli okubandakanya iMpilo yoLuntu yeNzuzo yaseNew Jersey, i-Executive Life yaseCalifornia, i-Fidelity Bankers Life, i-Executive Life yaseNew York, i-First Capital Life kwakunye nabanye. I-Group Weiss ithengise i-Weiss Ratings ku-TheStreet.com ngo-2006. Nangona kunjalo, ngowama-2010, iTheStreet.com ithengise i-Weiss Ratings kwi-Weiss Group.
Ukongeza kwiinkampani zomshuwalense, i-Weiss Ratings iphinda ibandakanye izilinganiso zemanyano yeebhanki, iibhanki, iimali ezidibeneyo, imali yokuthengiselana ngemali kunye nempahla.
Iincwadi ezibutyebi kunye ezinamandla kakhulu
Kwi-inshurensi abathengi, u-Weiss ukhetha ukukhetha inkampani elungileyo kukukunceda ukuba ufumane ixabiso elifanelekileyo kwi-inshurensi ipolitiki ngokululaphula phantsi kwiimeko ezilula ongayiqonda.
Ngokomzekelo, u-Weiss ushicilela uluhlu olubuthakathaka nolomeleleyo lweenkampani zomshuwalense. Iinkampani zilinganiswe zibuthathaka zibe ne "D +" okanye isilinganiselo esiphantsi. Ezi nkampani zikholelwa ukuba zijongene nemali ngenxa yeempahla, ukuthengiswa kwemali, ukufumana imali okanye ezinye izinto. Ngakolunye uhlangothi, uluhlu oluqinileyo lubonisa iinkampani nge "B +" okanye ukulinganisa okungcono. Iinkampani zilinganiswe ngamandla zikholelwa ukuba zinethuba eliphantsi lokungaphumeleli.
Nangona iindwendwe ezinamandla kunobunzima zingenakukunika isiqinisekiso sokuthi inkampani yakho yomshuwalense ayiyi kuphumelela, kuyisisityebi esihle kukukunceda ubone ukuba yeyiphi inkampani ene-sound management kwaye yenza kakuhle ngemali. Oku kubalulekile kuwe ekufumaneni inkampani yomshuwalense onokuzinza ngokwezemali xa uyayidinga kunye kunye nokukwazi ukuhlawula nayiphi na inxaxheba yomgaqo-nkqubo.
Ziziphi izilinganiso ze-Weiss ezithethayo
U-Weiss unike amandla ukulinganiswa kwamandla kuma-inshurensi angaphezu kwe-11 000, iibhanki kunye ne-S & Ls ngokusebenzisa eli lilinganiso lokulinganisa elilandelayo:
- I: A
- B: Okulungileyo
- C: Efanelekileyo
- D: Unqongqo
- E: Inqongqo kakhulu
- +: "" + "Ibonisa ubungakanani kwipesenti eziphezulu zesithathu kwibanga ngalinye
- -: "I-" - "ibonisa isilinganiselo kwicandelo lesithathu elincinane kwibanga ngalinye kwibanga
Kukho izinto ezininzi eziya kwixabiso lemali yenkampani yomshuwalense.
Izilinganiso zemali zenziwa ngokuhlalutya kakhulu kwiinkcukacha nganye. Nazi ezinye zezinto zokulinganisa kwe-Weiss eziqwalasela xa sinika amandla okulinganisa amandla:
- Inkunzi
- Umgangatho weAset
- U kuzuza
Kwiwebhsayithi, abathengi banako ukujonga utshintsho lwe-inshorensi, kubandakanywa nawaphi amanqanaba aphezulu okanye amanqaku-phantsi kunye nokuba kutheni ukutshintshwa kwesahluko kwenziwa.
Ngaphantsi
Ukulinganisa kwe-Weiss kubanzi kwaye kulula ukuyiqonda kubathengi abafuna ukufumana inkampani efanelekileyo yeimfuno zabo ze-inshorensi. Inkonzo yayo iyafana nezinye iinkampani zomshuwalense ezifana ne- AM Best , i- Fitch Ratings kunye neMigangatho kunye neNyango . Uyabona ukuba uluphi uhlobo lwemali yakho yenkampani yomshuwalense kwaye kwaye kulindeleke ukuba yenze njani. Ukuze ufikelele kwizixhobo zokulinganisela kwe-Weiss, kufuneka ubhalisele i-akhawunti yehhala.
Iinkampani ezinokubaluleka kwamandla emali ezinokulinganiswa zingakwazi ukuma ngokukhawuleza ekuhlaleni kwezomnotho kunye nezinguqu kwiimarike zentengiso ye-inshurensi.
Kubalulekile ukukhetha inkampani yomshuwalense onokunyamekela zonke izibophelelo zayo zezimali kwaye uhlawule ngokukhawuleza amabango. Iinkampani ezinokulinganiswa kwemali ezinamandla zinethuba eliphantsi lokungaphumeleli, oku kuthetha ukuba unokuziva ukhuselekile ukuthenga umgaqo-nkqubo we-inshorensi. Nangona kunjalo, ukuba ufumanisa inkampani yakho inexabiso eliphantsi, unokufuna ukucinga ukuba ushukumise i-inshurensi yakho kwiinkampani ezithembekileyo zezimali.
Ukuze ufumane okungakumbi malunga nokusebenzisa izilinganiso ze-Weiss, ungatyelela iwebhusayithi ye-Weiss Rating okanye ufonele ku-1-877-934-7778. Abaxhasi bangabhalisela ukufumana iingcebiso zotyalo-mali. Emva kokubhalisa, abathengi baya kufumana ukubhaliselwa ngokubhaliweyo kwi-newsletter ye-Weiss yeencwadana, ukuqonda, ukuhlalutya nezinye izibonelelo ezizodwa.