Inshorensi yobomi
I-inshorensi yobomi iyimvumelwano phakathi kwenkampani yomshuwalense kunye nomntu, apho inkampani yomshuwalense iyavuma ukuba ukuba umntu ("okhuselekile") kufuneka afe ngexesha le-inshorensi yobomi bomshuwalense, inkampani ye-inshorensi iya kuhlawula imali echazwe ngaphambili kumxhamli okhethwe ngumntu okhuselekile xa efa.
I-inshorensi yobomi ingathengwa ngelixesha elimiselweyo, ngokuqhelekileyo eliyiminyaka emi-5 ukuya kwe-30, okanye ngokusisigxina.
Izizathu zokuthenga i-inshorensi yobomi
Abantu bathenga inshorensi yobomi ngezizathu ezininzi. Isizathu esiqhelekileyo kukuba ushiye imali kwintsapho yakho xa usweleka, ukuze bangapheli kwiingxaki zemali ngenxa yengeniso yakho elahlekileyo. Nangona kunjalo, kukho ezinye iimbalwa ezimbalwa zokuthenga i-inshorensi yobomi onokufuna ukuyiqwalasela:
- Ukufihla iindleko zomngcwabo
- Ukukhusela i-mortgage yakho endaweni yokuthenga i-inshorensi ngokusebenzisa ibhanki
- Ukuhlawula amatyala-mboleko okanye ezinye iimali-mboleko ukwenzela ukuba i-estate okanye intsapho yakho inganyaniseki ngamatyala akho
- Ukuhlawula irhafu yentlawulo
- Ukukhusela umlingane wakho wokuphila, nangona ungenabantwana
- Ukukhusela impilo yakho yexesha elizayo ngokuvalela kwinqanaba le-inshorensi yobomi xa uselula, unempilo kwaye ungenayo ingxaki kwi-medical examination
- Ukwakha ubutyebi njengenxalenye yesicwangciso sakho semali
IiNkcazo ze-inshorensi yoBomi enokumangalisa
Ngokomgaqo-2016 Umqhubi we-Life Insurance study:
- Amaphesenti angama-84 aseMerika acinga ukuba abaninzi abantu badinga inshorensi yobomi
- Iipesenti ezingama-70 zathi zifuna inshorensi yobomi, kodwa i-41 ekhulwini yamaMerika ayinayo
- Ii-Millennials ziqikelele ixabiso lentlawulo ye-inshorensi yobomi engama-250,000 ngama-3 okanye amaxesha amane amaxabiso angempela
- Amaphesenti angama-83 aseMelika avakalelwa kukuba baya kujongela i-inshorensi yobomi ukuba bekulula ukuyiqonda
Idatha, ngoko, ibonisa ukuba kukho ezinye izinto nge-inshorensi yobomi edidekayo kumntu oqhelekileyo. Siza kucacisa ezinye iingcamango eziphosakeleyo, zichaze ezinye iinkqubo ze-inshorensi yobomi, kwaye uphendule imibuzo embalwa ebalulekileyo njengale:
- Ngaba ufuna ngokwenene inshorensi yobomi ?
- Ufanele uyithenge nini?
- Unjani uhlobo lwe-inshorensi yobomi engcono ?
- Ndingalondoloza njani imali kwiinshorensi yobomi?
Ziziphi iindidi ezahlukeneyo ze-inshurensi yobomi?
Masiqale ngokuhamba ngeentlobo ezahlukeneyo zomshuwalense wobomi, kunye neenzuzo kunye neengxaki ngamnye.
- I-inshorensi yobomi besikhokelo : i-inshorensi yomhlala-yintsholongwane iyona ndlela enokuthi ifikeleleke ekuvumela ukuba uguquke ngokubhekiselele ekubeni ufuna umgaqo-nkqubo kangakanani, kunye nomda we-inshorensi. Ngenxa yokuba lixesha elichaziweyo, unokucela kwakhona inani elimisiweyo elikuvumela ukuba uhlahloye iintlawulo zakho kwixesha elinikeziweyo. Ithuba le-inshurensi liqalisa iminyaka emi-5 kwaye iyakwazi ukufikelela kuma-30.
- Intshuwalense Yobomi Bonke : Intsholongwane yonke yobomi yinshuwalense ye-inshorensi yobomi kuba isigxina ngenxa yexesha lokuphila kwakho. Ngokungafani ne-inshurensi yesikhashana ephela emva kwemali ekhethiweyo yeminyaka uqinisekisele yona. Ukungahleleki kwabanye abantu kwimigaqo yokuphila yonke kukuba iiprayimari zihlala ziphakamileyo.
- Ubomi Bomshuwalense Wobomi Bendalo: Ubomi bendalo bendalo luhlobo lomgaqo-nkqubo womshuwalense wobomi Kwiminyaka edlulileyo ukusebenza kwembali yobomi bendawo yonke kubangele ukuba abantu abaninzi baqaphele ngenxa yecandelo lotyalo-mali lwenxalenye yeeprayimari. Inokuba yinto enomdla ukuba uzixelele malunga neenzuzo, njengokuba unako ukuhlawulwa kamva kwimali yomshuwalense wobomi bakho .
Ukuguqula iNkcazo yoBomi kwiIntshuwalense Yobomi Yonke
Ukuba awuqinisekanga ukuba luhlobo luni lomgaqo-nkqubo oluza kusebenza kakuhle kuwe, kufuneka uqwalasele ukuba ufuna ukuba uthenge inkcitho engabizi, ixabiso elingabizi kangangexesha le-inshorensi yobomi bomshuwalense, ukuba uya kuba nenketho yokuguqula ubomi bonke umgaqo kamva.
Unokufumana phi i-inshurensi yobomi?
Unokuthenga i-inshorensi yobomi ngqo kwiinkampani zomshuwalense, ngokusebenzisa umthengisi we-inshorensi okanye umcwangcisi wezemali, okanye ngokusebenzisa imibutho yeqela okanye ubulungu. Ukwandisa abantu bathenga i-inshorensi ye-intanethi okanye ngqo kwiinkampani zomshuwalense. Ngamanye amaxesha oku kubonakala ngathi isisombululo esheshayo nesilula, kodwa unokuba ungayifumana ixabiso elifanelekileyo kwixabiso olihlawula ngalo. Njalo uhlolisise indawo ezimbalwa okanye usebenze nomcwangcisi wezemali okanye umthengisi ukuze ufumane iingcebiso ngeemeko zakho.
Iingcebiso ezi-4 zokugcina imali kwi-inshurensi yobomi
Ngaphandle kokukhetha umgaqo-nkqubo, kukho iindlela zokugcina imali kwi-inshorensi yakho yobomi.
- Yithengela i-inshorensi yakho yobomi ukuze ufumane amaxabiso angcono. Cinga ukusebenzisa umthengisi we-inshorensi yomntu onokuzijonga iinkampani ezahlukeneyo ze-inshorensi zempilo kunye nemigaqo-nkqubo yakho kwaye ikunikeze iinketho ezahlukeneyo. Ukusebenzisa umthengisi okanye umcebisi wezezimali uya kukunika ithuba lokusebenza nomntu oza kuhlalutya iimfuno zakho aze eze nezisombululo ezikusebenzelayo. Fumana umntu onokumthemba kwaye ujabulele ukusebenza naye ophendula yonke imibuzo yakho. Ixabiso le-inshorensi yezobomi lilawulwa, ngoko ungazivumi ukuba ufuna ukubiza abaninzi abathengi - nje ujongane nalowo uthanda kakhulu, uya kufumana amaxabiso afanayo.
- Thenga inshorensi yobomi xa usemncinci kwaye unempilo. Ixabiso le-inshorensi yobomi isekelwe kwiminyaka yakho kunye nempilo yakho. Awazi into ezayo kwixesha elizayo, ngoko ke ukuba unempilweni ngoku, cinga ukufumana umgaqo-nkqubo apho unokugqithisa ukuhlolwa kwezobugqirha kwaye ufumane umgangatho ophezulu ovalelwe kuyo. Qinisekisa ukuba ubuze malunga nama-premium asezingeni eliqinisekileyo ukuze ukwazi uzuze kwizinga eliguqukayo kulo lonke ixesha lomgaqo-nkqubo owukhethayo kwaye awunayo nayimimangaliso. Ukuba unemiqathango yempilo, qiniseka kwaye uthenga ngeenxa zonke, khangela ingongoma yokuqala ngasentla malunga nokusebenzisa umthengisi ngenxa yokuba ezinye iinkampani zomshuwalense zonyango ziya kunika amazinga angcono kwiimeko ezithile zonyango, apho abanye baya kuhlawula ngaphezulu. Umcebisi wezemali uza kuba nako ukunceda.
- Musa ukutshaya. Abangewona ababhemayo bafumana i-inshorensi yobomi bancinci ngaphezu kobasoyiyo. Ukuba ubhema, cinga ukuyeka. Nangona ungathenga umgaqo-nkqubo njengomtshayi, ukuba unako ukuyeka iinyanga ezili-12, ubuninzi bomshuwalense wezobomi baya kulungelelanisa amaxabiso emva kokuba ushiye umsi. Kodwa ungayeki ukuthenga i-inshorensi yobomi uze uyeke ukutshaya, ngakumbi ukuba unayo kwizicwangciso; fumana nje umgaqo-nkqubo wakho, kwaye ufumane ukuba yiyiphi indleko eya kuba yilapho ungabikho umsi. Oku kunokukunceda ekuhambeni kwexesha, kwaye intsapho yakho iya kukhuselwa xa usebenza kuyo.
- Buza ukuba kukho izinga elingcono lokuhlawula i-premium yakho rhoqo ngonyaka kunenyanga. Ezinye iinkampani ziya kunika amaxabiso angcono xa uhlawula rhoqo ngonyaka.
Ubomi Bomshuwalense Ngomsebenzi Wakho: Ngaba Kunako?
Ngokwe-Best Life Rates 2017, inxalenye yesithathu yabamerika abanomshuwalense wobomi kuphela banomgaqo-nkqubo wobomi bomshuwalense we-inshorensi. Nangona kungcono kunento, kukho izizathu ezimbalwa zokuba kutheni ungafanele uthembele kwi-inshorensi yobomi oyifumene nomsebenzi:
- Ungayilahleka xa utshintsha imisebenzi
- Uya kufuneka uthathe uvavanyo olutsha lwezonyango ukuba unquma ukufumana umgaqo-nkqubo omtsha
- Umda we-inshorensi yakho yobomi ngomsebenzi ulinganiselwe - umzekelo, unokufumana umvuzo wakho kabini (okanye ngaphantsi). Oku akunako, kwimeko ezininzi, ukunceda intsapho yakho, okanye ukuhlawula amatyala akho kunye noxanduva lwezemali kwixesha elide.
Iingcamango ezingalunganga malunga ne-Inshorensi yobomi, i-Debunked
I-inshorensi yobomi idla ngokubhekwa njengendleko engadingekanga okanye enye ekhutshwayo. Nazi ezinye izinto onokufuna ukucinga ngazo ngaphambi kokuba unqume i-inshorensi yobomi kungekhona kuwe ngoku.
"Abantu Abangasebenziyo Abayifunayo Ubomi Bomshuwalense"
Nangona ukuba awusebenzi, ukufa kwakho kuya kuba nemiphumo yemali xa wenza umsebenzi wokunyamekela okanye umsebenzi wokwenza umsebenzi ngenkathi iqabane lisebenza. Ukuba kukho into eyenzekayo kuwe, akukho nto ilahlekelwa yimali engenayo, kodwa kuya kubakho ukwanda okukhulu kwindleko. Iindleko zokunakekelwa kwabantwana kunye neendleko zokugcina indlu, umzekelo, kunokufuneka ukuba uhamba ngokukhawuleza. Ukuba ungathanda ukuba intsapho yakho igcine indlela yokuphila kwaye ibe nezinto ezinokunyamekelwa ngendlela efanayo okwenzayo ngoku, kufuneka ukhangele iindleko zokuqesha abantu ukuba bathathe loo misebenzi ukuvumela iqabane lakho ukuba liqhubeke nokusebenza nokufumana ngeniso.
"Abantu abangenazo abantwana okanye abafazi abadinga i-inshorensi yobomi"
Ukuba awunabo abaxhomekeke kuyo okanye abantwana kodwa cwangcisa ukuba nentsapho kamva ebomini, unokufuna ukucinga ngokuthenga inshuwalense yobomi ngaphambili kwimpilo, ngelixa uselula. Iindleko ze-inshorensi yezobomi zisekelwe kwizinto eziliqela, kubandakanya ubudala kunye nempilo. Xa usemncinci uya kuba neerhafu ezincinci kunokuba usu tshatile kwaye unayo intsapho.
"Intshuwalense yobomi iyabiza kakhulu"
Ukulinda ukuhlawula amatyala ngaphambi kokuthenga i-inshorensi yobomi njengengcamango enhle, kodwa ukuba kukho into eyenzeka kuwe kusasa, uya kushiya ityala lakho kwintsapho yakho. Ngaba babeya kukwazi ukuhlawulela la matyala kwaye benze iholo elilahlekileyo ngenxa yokungabikho kwakho?
Kukho iinketho ze-inshorensi yobomi engancinci ezingathengwa kangangoko nje ngeedola ezimbalwa ngosuku. Ukuba ne-inshorensi yobomi bincinci ngoku ivumeleke ukhuseleko olufanelekileyo kwintsapho yakho.
Kuthatha ixesha elide ukuthatha i-inshorensi yobomi?
Ngokuqhelekileyo, inkqubo yomshuwalense wobomi ibandakanya amanyathelo amathathu kwaye ngokuqhelekileyo unokugqitywa kwiiveki ezi-4-6 ukusuka ngexesha lokugcwalisa isicelo:
- Ukuxoxa ngokukhetha kwaye ugcwalise isicelo se-inshorensi yobomi
- Ukuthatha uvavanyo lwezonyango
- Ukufumana iziphumo zovavanyo lwezonyango kunye nokuvunywa okulandelayo, ukulungiswa kwemilinganiselo, okanye ukukhanyela inzuzo
Ingaba Inkonzo Yomshuwalense Iza Kuhlawula Ngaphandle Kwakho Emva kokuba Uyithenge?
Iinkampani ezininzi "ziya kukugubungela" kwiinshorensi zomshuwalense ukususela ngelixa uthumela isicelo kwiimeko:
- Konke kuye kwavakaliswa njengalowo wesicelo
- Uvavanyo lwezonyango luvela ngaphandle kolwazi olutsha.
Buza inkampani yakho yomshuwalense wenkampani malunga neli xesha xa unquma ukuthenga umgaqo-nkqubo uze usayine isicelo. Fumana ukuba i-couverture iqala ngokukhawuleza okanye ukuba kukho ixesha lokulinda. Kwakhona, uqaphele ukungabikho kwimigaqo-nkqubo njengesiqendu sokuzibulala kunye nexesha lokukhuseleka .