Izibonelelo zithatha inzuzo efanayo yokufa kwentela; ukufumana inzuzo yokufa kuhlawulwa.
Kutheni Ubani Ofuna Ukufakela Inzuzo Yokufa kwi-SPIA?
Impendulo emfutshane ingeniso yempilo kunye nelifa. Ngokuyinene, unokubulala ezimbini iintaka ezinokontrakthi ngenkontileka enokuxhamla ekufeni. Kubalulekile ukuba abantu abaninzi baqinisekise ukuba abaxhamli babo okanye iindlalifa bafumana imali xa badlula . Unokwenza isakhiwo sekhontrakthi ze-SPIA ukwenzela ukuba isibonelelo sokufa sakhiwe kumgaqo-nkqubo, ngelixa ufumana umvuzo wokufumana imali. Kufana nomngcipheko ophindwe kabini. Umngcipheko wokukhupha imali yakho, kunye nomngcipheko wokukwazi ukushiya inzuzo yokufa ngokuqinisekileyo. Zomibini zengozi zinokuthi zihanjiswe ngokugqithiseleyo kumphathi wenkampani.
Akukho Bhaliso Lwemvume okanye Inkxaso
Ukuba ukuphefumula kwakho kungabetha isibonakaliso, isiqinisekiso siya kukhutshwa. Ukuze ufumane ipolisi yomshuwalense wobomi, kufuneka ufumane iimviwo zonyango kunye neemvavanyo zegazi kwakunye nokuphononongwa ngokujulile kwimbali yakho yempilo.
Yiyo imeko engekhoyo yabantu abaninzi.
Ukuba unamava kule meko, kulungile ukuqonda ukuba ukulinganiswa kweeNkcazo eziMfutshane zibonelela ngokuhlawuleka okuphezulu ngenxa yempilo embi . Kuyafaneleka ukuphanda umveliso ukuba ufuna iintlawulo eziqinisekisiwe. Ukuhlaziywa kwempilo kungekho njengokungathi kubanzi bomshuwalense wobomi, kodwa kufuneka uqinisekise ukuba ixesha lokuphila kwakho liyancipha ngenxa yokugula.
Abathwali badibana nawe apho ukhona, kwaye uyavuma ukuba unyanzelekile ukuba uhlawule ngaphandle kokuba uhlala phi, ufana neyiphi na i-SPIA ngeentlawulo zokuphila.
Umzekelo Ulwakhiwo: Ubomi kunye ne-50% yeNzuzo yoKufa.
Kuthetha ukuba iintlawulo ziqinisekisiwe ngobomi bakho, kungakhathaliseki ukuba uhlala ixesha elingakanani. Ukuba uhlala kwiminyaka yobudala engama-137 (uya kujonga kwaye uyaphuke njenge-prune!), Inkampani yenkampani yokukhupha i-hook yokukhokha. Leyo yiphakamiso yenzuzo yangempela yecandelo eliqinisekisiwe lobomi be-Premium Single Premium Annuity (SPIA).
Isiqinisekiso sokuXholwa koBu-50% sithetha ukuba kungakhathaliseki ukuba kwenzekani ngomgaqo we-SPIA, isiqingatha se-premium yokuqala siya kubaxhamli kwixabiso. Ngoko ukuba ubeka i-$ 500,000 kwi-"Ubomi nge-50% yeNzuzo yoKufa" I-SPIA, ke i-$ 250,000 iqinisekiswe ukuba iyahlawulwa kwi-beneficiaries yakho yomgaqo-nkqubo. Ukuqinisekiswa kwesi siqinisekiso siyivumelwano, kungakhathaliseki ukuba uhlala ixesha elingakanani kwaye unomvuzo ongakanani owufumana kwi-SPIA.
Inzuzo enkulu yokuPhulwa koMsebenzi, iNtlawulo yeNhlawulo
Izindlela ezithandwayo kakhulu zokuseka inzuzo yokufa nge-contract ye-SPIA "Ubomi kunye ne-25% yeNzuzo yoKufa", "Ubomi kunye ne-50% yokuNcedo lokuSweleka," okanye "Ubomi kunye ne-75% yeNzuzo yoKufa."
Iinkampani zenkampani zinezibonelelo zinezakhiwo ezinkulu ngesizathu. Abanikeli nto ngaphandle kwenkululeko. Le nyaniso yinyani ihambelana nendlela okhetha ngayo ukuseka isivumelwano se-SPIA.
Ngaba ngaba kukho isibonelelo somhlala-phantsi esinesivumelwano sokufa esivumelwano? Impendulo nguyebo. Kubizwa ngokuba ngu "Ubomi kunye neNzuzo yokuFafa" I-Premium yodwa yokuHlala ngokukhawuleza.