Uhlobo ngalunye lwenkqubo yomshuwalense lunenzuzo kunye neengxaki
Ngoko uyenza njani ingqiqo yazo zonke iintlobo zeenkqubo ngaphandle kokuziva ukhululekile? Nantsi ukuphazamiseka okukhawulezileyo kweentlobo eziqhelekileyo ze-inshorensi nkqubo kunye neenzuzo kunye neengxaki ngamnye.
I-inshorensi yoBomi
Ubomi besikhokelo yinto efana ngayo. Uthenga i-inshorensi yobomi kwithuba okanye ixesha elilodwa, elingabakho naphakathi kweminyaka emihlanu ukuya kwi-30. Uhlawula iiprimiyamu lonke ubude bekota; xa ixesha liphela, kunjalo umgaqo-nkqubo. Ukuba udlula ngaphambi kokuba iphela iphela, umgaqo-nkqubo uhlawulela inzuzo yokufa kwabaxhamli bakho. Izinzuzo zokufa zingaba ngaphantsi kwe-$ 5,000 okanye ziphakamileyo njengezigidi eziyi-5, ngokuxhomekeke kwizidingo zakho.
Iindleko-bulumko, ubomi bexesha ngokuqhelekileyo luhlobo olulona hlobo oluhlawulekayo lwe-inshorensi yobomi. Iintlawulo zeeNkcazo zisekelwe kwimpilo yakho kunye nesixa-mali sokukhetha. Uncinci kwaye unempilweni, unako ukufumana uncedo oluphantsi.
Ubomi bemihla buya kuphulwa phantsi kwiindidi ezimbalwa ezahlukeneyo:
- Ixesha leNqanaba -I-premium yakho kunye nethuba lokufa lihlala lifana nalo lonke ubude bekota, nokuba ngaba ngu-10, 20, okanye kwiminyaka engama-30.
- Ixesha lokuhlaziywa lonyaka -Isibonelelo sokufa asiyi kutshintshwa kulo lonke ixesha, kodwa isivumelwano sivuselela ngonyaka, ngokuqhelekileyo ngokunyuswa kwenyanga yokuqala ngonyaka. Ekuqaleni, iiprayimenti zingaba ngaphantsi komgaqo-nkqubo wekota, kodwa emva kwexesha kunokuba kubiza.
- Ixesha elinciphileyo -Oku, inzuzo yokufa iyancipha ngamnye ngonyaka ngelixa i-premium ihlala ifana. Umgaqo-nkqubo uphela xa inzuzo yokufa ifinyelela kwi-zero.
Iinjongo zeNkxaso-mali yeThutyana
Imigaqo-nkqubo yempilo yesikhokelo inikezela ukulungelelanisa ukuthenga kuphela ukufundwa okufunekayo. Umzekelo, ukuba unomdla kuphela nge- inshorensi yobomi xa abantwana bakho bancinci okanye unemali yokuboleka imali, unako ukufumana ingxelo kwiminyaka engama-20 endaweni yokuhlawula umgaqo-nkqubo ongasidingi ngokwenene.
Iingxaki zeXesha lobomi
Imigaqo-nkqubo yobomi ayifumene nexabiso lemali. Kwaye ukuba nekota ethile kunokuba ngumqobo. Ukuba uthengela umgaqo-wexesha leminyaka engama-20 kwaye emva kweminyaka engama-20 uthathe isigqibo sokuba ungathanda ukwandisa i-coverage yakho, ungadinga ukufumana ubungqina bokungaqiniseki kwaye unokwenyanwa ukukhutshwa okongezelelweyo okanye ukufuna ukuhlaziywa kwi-premium ephezulu.
Ubomi Bendalo
Ubomi bomshuwalense wobomi bendalo ngumhlobo womshuwalense osisigxina owugubungela ubomi bakho bonke, kunye nexabiso lemali-mali. Apha, kunokuba ukhethe nje ixesha elilodwa kwaye ubeke ipesenti ye-premium yakho kwipolisi, inxalenye ye-premium yakho iya kuthi ingene kwi-akhawunti yekheshi kumgaqo-nkqubo. Le akhawunti yekheshi ifumana inzala kwaye iqokelela ukuhlawulwa kwentela.
Iingenelo zoBomi bendalo
Ubomi bomshuwalense wobomi bunikezela ukuguquguquka ngakumbi kunokuba ubomi bexesha elide. Ngenxa yokuba ineengxenye zemali, unokwenza okwethutyana ukwenza iintlawulo ze-premium nje kuphela ukuba ixabiso lemali lingabhawula iindleko ze-inshurensi. Ukongeza, unokukwazi ukwandisa okanye ukunciphisa inzuzo yokufa ngexesha. Kananjalo, ngokuqhelekileyo ungathatha imali-mboleko yokungahlawulwa irhafu ngokumalunga nexabiso lemali kumgaqo-nkqubo.
Iingxaki zoBomi boBomi bendalo
Ngenxa yokuba igalelo lokusisigxina, ubomi bendalo jikelele buya kubabiza ngaphezu kwexesha lokuphila.
Nangona ezinye zeendleko ezongezelelweyo ziza kungena kwi-akhawunti ngendlela yokwakha ixabiso lemali, iirhafu ozifumanayo kuloo mali azinakuba ziphakamileyo njengoko unokufumana ekutyalomali kwiisitokisini okanye kwiimali zobudlelwane. Yingakho abaqeqeshi bezezimali abaninzi batusa ukuthenga ixesha kunye nokutshala imali. Oku kukuvumela ukuba usathengela inzuzo yokufa ngelixa unesimo sokuguquguquka ukutyalisa umehluko naphi na apho ukhetha khona.
I-inshorensi yoBomi be-Universal Life
Ubomi bomshuwalense wentsholongwane bufana kakhulu nobomi bendawo yonke kunye nomlinganiselo omkhulu. Ngalolu hlobo lomgaqo-nkqubo awufumananga inqanaba elithile lomdla kwi-fund-value value fund, kodwa kunoko, ungayityala le nxalenye kwiintlobo ezahlukeneyo zotyalo-mali olufana neengxowa-mali . Ngoko, ufumana ukulawula okungaphezulu kunye nokubuya okuphezulu kwixabiso lakho lemali.
Izinzuzo zoBomi obuTshintshekileyo
Usenokuqinisekiswa ukuba inzuzo yokufa yancinci nje kuphela xa uqhubeka ne-premium encinane. Kananjalo unakho ukuguquguquka kokutshala inxalenye yexabiso lemali kwiintlobo zezithuthi zothile. Ukuba wenza izigqibo zobulumko, ungasebenzisa inzuzo enkulu ehlawulwa yerhafu kuloo mali.
Iingxaki zoBomi obuTshintshekileyo
Ngokutyalombela inxalenye yenkqubo yakho kwimali-mali eyingozi , unokubeka ipolisi yakho engozini ukuba i-marhwebo iya kwizantsi. Ukwehla okukhulu kwexabiso le-akhawunti kunokukunyanzela ukuba ukhokhe iiprayimari ezongezelelweyo ukuze ugcine umgaqo-nkqubo wakho usebenza. Ukongeza, iindleko ezinxulumene notyalo-mali kwizinto ezahlukeneyo zobomi ziba ziphezulu kakhulu kunokuba ungahlawula kwenye indawo.
Intshuwalense Yonke Ubomi
Njengoko igama lithetha, ubomi obupheleleyo bujoliswe kukukugubungela ubomi bakho bonke. Njengobomi bendawo yonke, ubomi bonke bunamacandelo enkcitho-mali. Kwiimeko ezininzi kunye nomgaqo-nkqubo wobomi bonke, i-premium kunye nenzuzo yokufa iyagcinwa. Omncinci uthengela ukukhawulelwa, i-premium yakho ingaphantsi. Ubomi obuthatyathwa rhoqo kubathengi kubazali njengotyalo-mali kubantwana abancinci , ngokuqinisekileyo ukuba banokuthi bavale xa bebancinci, okwenza kube lula xa beba badala.
Izibonelelo zoBomi boBomi
Ayikho imingxuma ebomini bonke. Unayo i-premium eqinisekisiwe, inzala , kunye nenzuzo yokufa kubomi bomgaqo-nkqubo. Inani lexabiso lemali likhula kwakhona lihlawulwe irhafu kwaye livumela kwakhona ukurhoxiswa kunye neengxowa-mboleko malunga nomgaqo-nkqubo.
Iingxaki zoBomi boBomi
Ubomi obuninzi ngokugqithiseleyo bubiza ngaphezu kweemigaqo zombini kunye neyunivesithi. Oku kubangelwa ikakhulu ngenxa yeziqinisekiso ezongezelelweyo eziza kubomi bonke. Kwakhona gcinani engqondweni ukuba umgaqo-nkqubo awuguquguquki; utshintsho lwakho lokufa okanye ama-premium ayilona khetho. Njengobomi bendawo yonke, inzala efunyenwe kwiakhawunti yexabiso-mali ingaba ngaphantsi kunokuba ungayifumana kwenye indawo.
Khetha Ngokuhlakanipha
Uninzi lwezinto zomshuwalense wobomi zikhoyo, kwaye kukuphi okulungileyo ukuba ungabonakali okulungileyo komnye umntu. Ukuthatha ixesha lokufunda ukuba uluphi uhlobo lomgaqo-nkqubo olunikezelayo lunokuqinisekisa ukuba ukhetha umgaqo-nkqubo ofanelekileyo kakhulu kwiimfuno zakho zexesha elide kunye neemeko zemali.