Musa ukwenza ezi mpazamo xa uthengela umgaqo-nkqubo womshuwalense wobomi
Kufuneka uqale ngombuzo okhohlisa ngokulula: Ngaba ufuna i-inshorensi yobomi? Impendulo yakho ecacileyo yaloo mbuzo inokukunceda ukuba unqume ukuba yeyiphi i-inshorensi yobomi ekuthengeni, ucinga ukuba unqwenela ukuba uyayifuna.
Ukuba uthatha isigqibo sokuba ufuna inshorensi yobomi, isinyathelo sakho esilandelayo kukufunda malunga neentlobo ezahlukeneyo zomshuwalense wobomi kwaye uqinisekise ukuba uthenga uhlobo olulungileyo lomgaqo-nkqubo.
Ngaba Uyakudinga?
Ubomi bomshuwalense kufuneka ube ngokwahlukileyo ngokweemeko zakho-abantu abaxhomekeke kuwe. Ukuba awunabo abaxhomekeke kuyo, mhlawumbi awudingi inshuwalense yobomi. Ukuba awuyi kuvelisa ipesenteji ebalulekileyo yengeniso yentsapho yakho, unakho okanye ungadingi i- inshorensi yobomi .
Ukuba umvuzo wakho ubalulekile ukuxhasa intsapho yakho, ukuhlawula imali yokuthenga okanye ezinye iindleko eziqhubekayo, okanye ukuthumela abantwana bakho ekholejini, kufuneka ukhangele i-inshorensi yobomi njengendlela yokuqinisekisa ukuba le mbopheleleko yemali ifakwe kwimeko yokufa kwakho.
Ufuna Kangakanani?
Kunzima ukusebenzisa umthetho wesithupha ngoba inani le-inshorensi yobomi oyifunayo kuxhomekeke kwiimeko ezifana neminye imithombo yemali engenayo, bangaphi abantu abaxhomekeke kuyo, izikwereti zenu kunye nendlela yenu yokuphila. Nangona kunjalo, isikhokelo esiqhelekileyo ongayifumana luncedo kukufumana umgaqo-nkqubo oza kuwuba phakathi kwamahlanu kunye namaxesha angama-10 umvuzo wakho wonyaka xa usweleka.
Ngaphandle kwesi sikhokelo, unokufuna ukuqwalasela ucebisi locwangciso lwezezimali ukuze ubone ukuba zininzi kangakanani ukufumana.
Iintlobo zeePolisi zoBomi
Iinkalo ezahlukeneyo ze-inshorensi yobomi ziyafumaneka, kubandakanywa ubomi obude, ubomi beminyaka, ubomi obuguquguqukayo kunye nobomi bendalo.
Ubomi bobomi bubonelela ngenzuzo yokufa kunye nexabiso lemali kodwa libiza kakhulu kunezinye iintlobo ze-inshorensi yobomi.
Kwiinkqubo zomshuwalense wobomi bendabuko, ii-premiums zakho zihlala zifanayo, ude uhlawule umgaqo-nkqubo. Umgaqo-nkqubo ngokwawo usebenza ukususela ekufeni kwakho, nangemva kokuba uhlawule zonke iiprayimari.
Olu hlobo lomshuwalense wobomi lunokuba lubiza kuba iikomishoni ezinkulu (amawaka eedola kunyaka wokuqala) kunye nemirhumo yexabiso lemali kwiminyaka yokuqala. Ekubeni ezi ntlawulo zakhiwe kwiifomula eziyinkcenkceko, abaninzi abantu abaqapheli ukuba bangakanani imali yabo yokungena kwiipokethi zomphenyi zabo .
Imigaqo-nkqubo yokuphila , uhlobo lwe-inshorensi yobomi bomsigxina, ukwakha isabelo semali onokuyifaka kuyo nayiphi na ikhetho elinikezelwa yinkampani yinshuwalense. Ixabiso lentengo yakho yemali kuxhomekeke kwindlela abo batyala ngayo kakuhle.
Unokutshintsha inani le- premium yakho kunye nemigaqo- inshorensi yobomi bendalo , enye inhlobo yomshuwalense wobomi bomsisigxina, ngokusebenzisa inxalenye yemali yakho efunyenweyo ukufaka ingqalelo kwindleko ye-premium. Ungakwazi ukutshintsha inani lemisebenzi yokufa. Ngenxa yoku kuguquguquka, uya kuhlawula imali ephezulu yokulawula.
Ezinye iingcali zincoma ukuba xa uneminyaka engaphantsi kweminyaka engama-40 ubudala kwaye ungenalo isifo sengxaki yesifo esisongela ubomi, kufuneka ukhethe i- inshurensi yesikhokelo , enika inzuzo yokufa kodwa akukho xabiso lemali .
Iindleko zomshuwalense wezeMpilo
Ubuncitshu obuncinci bomshuwalense wobomi kungenzeka ukuba uvela kwisicwangciso se-inshorensi yobomi bomqeshi wakho, ucinga ukuba umqeshi wakho unika enye. Le migaqo-nkqubo ngokuqhelekileyo iyimigaqo-nkqubo yexesha elide , oko kuthetha ukuba ugutyungelwe nje ngokuba usebenzela lowo mqeshi. Ezinye iinkqubo ziyakwazi ukuguqulwa ekupheleni.
Iindleko zenye iindidi zentsholongwane yomshuwalense ziyahluka kakhulu, kuxhomekeka kwindlela othengayo ngayo, uhlobo lomgaqo-nkqubo owukhethayo, inkqubo yomgcini-phantsi, kunye nendlela othume ngayo inkampani yakho. Iindleko ezisisiseko zisekelwe kwiitheyibhile zesikhokelo ezenza uphuhliso lobomi bakho. Abantu abasengozini enkulu, njengabo bashushu, baninzi kakhulu, okanye banomsebenzi onobungozi okanye umdlalo (umzekelo, ukuhamba), uya kuhlawula ngaphezulu.
Iinshorensi zobomi be-inshorensi zihlala zifihlile iindleko, njengeemirhumo kunye neekomishoni ezinkulu, ukuba ungazifumani malunga nokude emva kokuthenga umgaqo-nkqubo.
Zininzi iintlobo ezahlukeneyo zomshuwalense wobomi , kwaye zininzi iinkampani ezinikezela le migaqo-nkqubo, ukuba usebenzise umcebisi we-inshorensi kuphela. ihambelana neemfuno zakho. Ukuqinisekisa ukulungelelanisa, umcebisi wakho makangabandakanyeki nayiphi na inkampani yenkampani yomshuwalense kwaye makangayifumana ikhomishini kunoma yimuphi umgaqo-nkqubo.
Indoda eneminyaka engama-30 enempilo inokulindela ukuhlawula i-$ 300 ngonyaka ukwenzela i- inshorensi yobomi beminyaka engama-300 000. Ukufumana umlinganiselo ofanayo wokubhengezwa phantsi komgaqo-xabiso wemali uza kuxabisa ngaphezu kwama-3,000.
Ngaphantsi
Xa ukhetha i-inshorensi yobomi, sebenzisa izixhobo ze-intanethi ukuzifundisa malunga ne-inshorensi yobomi bentsimbi, fumana i-broker oyithembayo, ke ube nemigaqo-nkqubo ephakanyisiweyo ehlolwe ngumcebisi-ntlawulo yomshuwalense kuphela.
Umcebisi wezemali owaziwa ngamazwe u- Suze Orman ukholelwa ngamandla ukuba ukuba ufuna inshuwalense, athenge ixesha; ukuba ufuna imali-mali, uthenge utyalo-mali, kungekho yinshurensi. Musa ukudibanisa ezimbini. Ngaphandle kokuba ungumtyalo-mali onolwazi kwaye uyayiqonda yonke impembelelo yeentlobo ezahlukeneyo zemigaqo-nkqubo ye-inshorensi yobomi , kufuneka ukuba uthenge i-inshorensi yobomi besikhashana.