Iinzuzo zokusebenzisa i-Premium yoNyununu Ubomi bomshuwalense wokuTshintshisiswa kweMpahla
Ukusebenzisa i-Premium yoNyununu Ubomi bomshuwalense wokuTshintshela iMpahla
Intsholongwane yomshuwalense we-premium yintengiso yintlupheko ebalulekileyo xa iphathelele ekudalweni kwendalo kunye nokutshintshwa. Ngolu hlobo lwe-inshorensi yobomi, i-premium enye ifakwe, idala inzuzo yokufa ngokukhawuleza eqinisekisiwe kude kube ngumnini. Inzuzo yokufa iya kuxhomekeka kwimali ebekiwe, ubulili, ubudala kunye nempilo yabashuseli. Kwiimeko ezininzi, idiphozithi enye iya kwandiswa yinto ebini okanye ngaphezulu xa kubalwa inzuzo yokufa. Ngokuqhelekileyo omncinci omncinci, ophezulu uncedo olufunyenweyo. Ngokomzekelo, umfazi oneminyaka engama-65 ubudala onempilo, ongabhiyiyo ofaka i $ 100,000 kwi-single-life policy nkqubo angadlula i-$ 200,000 okanye ngaphezulu ukuzuza inzuzo kubaxhamli bakhe. Ngaphezu koko, inzuzo yerhafu yengeniso kumahhala kubamkeli bakhe!
Iinzuzo zokusebenzisa i-inshorensi yoBomi ukuTshintshisa ubutyebi
I-inshorensi yobomi ye-premium yangasese ingafumana inzuzo nakwi-insured okanye umthengi ngexesha lokuphila kwakhe.
Ixabiso lemali kumgaqo-nkqubo oxhaswa ngemali iya kukhula ngokukhawuleza kwaye inokunika umvuzo kumthengi ukuba kuyimfuneko. Ngaloo nto, umthengi unokunika kwakhona umgaqo-nkqubo wexabiso layo lemali nanini na. Imigaqo embalwa iqinisekisa ukuxabiswa kwemali ukuba ingabi ngaphantsi kwesinye idiphozithi. Ngale ndlela, ukuba i-insured ifuna ukunikezela umgaqo-nkqubo ngenxa yeemeko ezingalindelekanga, uqinisekiswe ukuba uhlawule imali.
Umshuwalense unakho ukhetho lokuthatha imali mboleko kumgaqo-nkqubo endaweni yokunikezela isivumelwano xa unqwenela.
Izinketho zePolisi
Enye imigaqo-nkqubo inokukhethwa kwintlawulo yokufa ngokukhawuleza * enokubanjelwa ekuhlawuleleni ukukhathalelwa kwexesha elide. Ngokumemezela lo mkhwele, umfazi kumzekelo ongasentla unokufumana i-$ 200,000 kwiindleko zonyango elide kwikhaya lakhe okanye kwiziko lokunyamekela ekhaya-kwaye ezi ntlawulo zingeniswa irhafu yengeniso mahala. Kulo mzekelo ugweba iintlawulo ze-premium kwi-nkqubo yenkathalo yenkathalo yendala kwaye uyaqiniseka ukuba unendawo yokukhusela amakhaya abalulekileyo xa kuyimfuneko. Umgaqo-nkqubo we-inshorensi uphucula umhlaba ngeendlela ezimbini. Umgaqo-nkqubo we-inshorensi yobomi uya kudlula ubuncwane ngakumbi kumzuzi okanye ukukhusela ixabiso kwiindleko ezinkulu ezinxulumene nokunakekelwa kwexesha elide.
Izinketho zotyalo
Kukho iindlela ezahlukeneyo zotyalo-mali kwimigaqo-nkqubo ye-premium yokuphila. Umgaqo-nkqubo oqhelekileyo, ubomi bendabuko obuninzi , unomyinge we-interest rate kwaye unobundlobongela, obangela ukuba uthembeke kakhulu. Enye imigaqo-nkqubo efana nobomi bendalo yonke inomlinganiselo ohlukeneyo wenqanaba lomdla kwaye ungasebenzisa i-index-equity okanye injini eguquguqukayo ukwandisa ixabiso lomgaqo-nkqubo.
Iinqununu zabantu abadala
Abathengi abaninzi asebekhulile bavakalelwa kukuba abanempilo eyaneleyo yokuthenga inshorensi yobomi kwiminyaka yabo yegolide. Oku akunjalo nje. Ukubhala phantsi okulula kunceda abaninzi abantu abadala ukuba bakwazi ukufumana i-inshorensi yobomi. Ngobunzima bokubhala phantsi, akukho msebenzi wenyama okanye wegazi olufunekayo . Ngokude nje ukuba i-insured insured ingayiphendula imibuzo embalwa, ukubhala phantsi kungenziwa ngokusebenzisa iimpendulo kwisicelo kunye ne-intanethi yocingo. Inyaniso yi-inshorensi yokuphila yomshuwalense oyedwa ayinzima ukuyithenga. Abo bavakalelwa kukuba banempilo engaqhelekanga banokukhetha ukuhamba ngokubhala phantsi kwaye bangakwazi ukufumana inzuzo ye-inshorensi.
Izinzuzo Zentlawulo ze-Inshorensi yobomi
Ngokuqinisekileyo inzuzo yomshuwalense wobomi ngenxa yenkxaso -mali, isibophelelo sokugcina imali, isitifiketi se-deposit okanye omnye utyalo-mali yonyango olulungileyo lwenyango yomgaqo-nkqubo.
Iyonke inzuzo yokufa idluliselwe irhafu yerhafu ngaphandle komntu ofumana inzuzo. Nangona kunjalo, inzuzo yokufa ingabalelwa kwixabiso elibi lifa leenjongo zerhafu. Ukukhusela irhafu yezindlu, ezinye iipolisi ziphantsi kwabaxhamli okanye i-inshorensi yobomi bomshuwalense. Kubalulekile ukusebenza kunye negosa elisebenzayo kunye nommeli ukuba iirhafu zezakhiwo zixhalabisa.
Ngokuqhelekileyo ubomi bokuqala bodwa buqwalaselwa njengesivumelwano somvuzo okanye uMphathiswa we-IRS. Umgaqo-nkqubo unokuhlawuliswa kumnini ukuba iimali ziyakhutshwa-nje ngohlobo lokuhlawula okanye ukubophelelwa kwintlawulo inokuhlawulwa kumnini.
Ekugqibeleni, inshorensi yomshuwalense ingaba yinto ekhuselekileyo kwaye inokuthenjwa kakhulu kwiintsapho ezininzi. Ubomi bomshuwalense bubaluleke kakhulu ngenxa yonyango olulungileyo lwerhafu kunye nokubuyiswa okuqinisekileyo okuhambelana nale nkqubo. Kubalulekile ukukhetha inkampani elinganisiweyo kakuhle kunye nomcebisi onolwazi ukuba ukhethe umgaqo-nkqubo ongcono kakhulu wekamva lakho.