Masibone indlela esebenza ngayo
I-annuity arbitrage ibandakanya ukuthengwa kweNkcazo eZodwa yoNyaka (i-SPIA) kunye ne-inshurensi ye-inshorensi ye-Life ngexesha elifanayo. Isakhiwo senzuzo singabomntu omnye okanye idibene nomlingane, kunye nenqubomgomo yomshuwalense wobomi ithatyathwa ngokuqhelekileyo kumyeni. Kubalulekile ukwakhiwa kokubanjiswa kwemali yomshuwalense kunye nobomi bomshuwalense, ukuze kubalulekile ukuqonda ngokupheleleyo.
Iyintoni i-SPIA, okanye i-Premium yodwa i-Annuity Immediate?
Ifomu elidala kunayo yonke imali yokufumana ingeniso yinto engcono kakhulu kwaye inikezela ngokuhlawula ngokugqithiseleyo kunoma iyiphi nayiphi na imali. Ii-SPIA zichanekileyo zokutshintshwa kwezicwangciso zempesheni yomhlalaphantsi ezinokuthi zakhiwe ngokusasazwa kwemali yokufumana imali, inzuzo kwithuba elithile okanye ukudibanisa kokubili.
Ndiyincoma ukubeka i-annuity kunye nomlingane wakho (udibanisa umxhasi) ukwenzela ukuba inzuzo eqinisekileyo ihlanganisa ubomi bobabini. Ukuhlawula ngokugqithiseleyo kunokwakhiwa "njengoBomi obuBodwa kuphela." Ukuba ufuna ukuqiniseka ukuba i-100% yenqununu yokuqala iya kwindoda yakho kwintsapho xa indoda nomfazi befa, isakhiwo esiphezulu sekhontrakthi siya kuba " Ubomi kunye neMali yokubuyiswa kwemali "okanye" Ubomi ngokubuyiswa kwemali . "
I-Premium yodwa i-Annuities ayinayo iifizi, kunye ne-COLA (iindleko zokuLungiswa koLimo) ukunyuswa konyaka kunokuqinisekiswa ngokuqinisekileyo ngexesha lokufaka isicelo. Imali engenayo ye-SPIA ingaqalisa ngokukhawuleza emva kweentsuku ezingama-30 ukususela ngexesha elikhutshwa ngumgaqo-nkqubo, kodwa unokuthi ungasichazela ukuya kunyaka.
Luhlobo Luni Lwe-inshurensi Yobomi Esebenzayo NesiCwangciso se "Annuity Arbitrage"?
Ndihlala ndixelela abantu ukuba i-inshorensi yomshuwalense iya kubonelela ngokutsha ngokutsha kotyalo-mali ongeke uyibone.
Yifumane? Ufile, kodwa abaxhamli bakho baya kukuthanda ngokuthatha loo nkqubo yomshuwalense wobomi.
I-inshorensi yonyango kuphela yokwenza i-inshorensi. Ukuze uthenge i-inshorensi yobomi, kufuneka uhambe ngenkqubo yokubhala phantsi ebandakanya ukuhlolwa kwegazi, ukuhlolwa kwegazi kunye nokuhlaziywa okupheleleyo kweirekhodi zakho zonyango. Le nkqubo ingathatha ixesha, kwaye umonde ubuhle ngexesha lokubhala phantsi komgaqo-nkqubo wakho. Andiyithengisi inshorensi yobomi (oko kukuthi iStan The Annuity Man), kodwa ndinemfundiso yokuba kufuneka uthenge inzuzo enkulu yokufa kunye nemali encinci kangangoko kunokwenzeka. Le nto ibonakalisa kakhulu i-inshorensi yobomi beminyaka. Ingcebiso yam ukuthenga oko kuthiwa "yinqanaba lekota" eliqinisekisa ukuba i-premium ayiyi kutshintsha. Ndiyincoma ukuvalela kula maxabiso e-premium ngokukhawuleza, kunokuba uneminyaka engama-90 okanye ngaphezulu.
Ukuba akukho ninshuwalense yobomi , akukho-arbitrage ye-annuity, ngoko ke omnye wabafazi abakwazi ukufumana i-inshorensi yobomi kubalulekile.
Ziziphi iingenelo zeCandelo le "Annuity Arbitrage"?
Esi sicwangciso sisebenza kakuhle ngenxa yokuba zonke iinzuzo ziqinisekisiwe ngokuqinisekileyo. Nangona "i-annuity arbitrage" ijwayele ukulungiswa ngokugcwele, ngezantsi isetyenziswe ngokuqhelekileyo kunye nezibonelelo ezihambelanayo:
- I-Premium yodwa ye-Annuity Immediate Annuity (SPIA) ithengwe kwisakhiwo sobomi ngokubambisana ukwenzela ukuba umgca wokufumana imali ufumaneke ngokuqinisekileyo kubo bobabini ubomi.
- Umgaqo-nkqubo we-inshorensi yobomi (ngokukhethekileyo ubomi bexesha elide) uthengwa kwelinye lamadoda omtshato, ngokuqhelekileyo umyeni, njengenani eliqhelekileyo bafa kuqala. Imali yokuxhamla i-benefit can determine in the time of application, kunye ne-premium yenyanga okanye yonyaka efunekayo.
- Inani lemali-mali ye-SPIA efunekayo ibalwe ukwenzela ukuba umrhumo wokufumana imali kwi-annuity ifihla i-premium yomshuwalense wobomi xa nje umlingani okhuselweyo ehlala.
- Emva kokufa kweqabane elixhasiweyo, inzuzo yokufa kwi-inshorensi yobomi idlulisa irhafu kwi-beneficiary ehlwini (ngokuqhelekileyo umfazi).
- Isiqinisekiso se-SPIA sokufumana ingeniso esiphila ngaso sonke isikhathi siyaqhubeka singathinteki kumlingane osasalayo, kwaye bafumana inzuzo yokufa kwentlawulo ye-inshorensi yempilo kunye nokuba ngaba baxhamli beli-nkqubo.
Kukho izicwangciso zamanqaku amaninzi asebenzisa isisombululo ukwenzela ukukhulisa inzuzo yezivumelwano. Nangona kunjalo, isicwangciso se-arbitrage sonyaka esicacisiwe sichazwe yinto ethandwa kakhulu kwaye iyona eqhelekileyo. Mhlawumbi into enokuyisebenzela imeko ethile.