Iinkampani zomshuwalense zihamba kwinkqubo yokubuyiswa kwakhona ekunceda ukukhusela
Ukuvuselelwa - phambi kwekampani yomshuwalense
Ngaphambi kwenkampani yomshuwalense, i-inshurensi iya kuhamba kwinkqubo ebizwa ngokuthi ukulungiswa kwemithetho ebekwe yimithetho yombuso apho i-inshurensi yomgaqo-karhulumente iya kwenza zonke iinzame zokunceda inkampani iphinde iphinde iphinde ibuyele.
Ukuba kunqunywe ukuba inkampani ayikwazi ukuhlaziywa ngoko inkampani ibhengezwa ukuba ingabonakaliyo, okanye i-bankrupt, kwaye inkundla iyalela ukucinywa kweenkampani.
I-Guaranty Association ithatha xa kwenzeka inkampani yomshuwalense
Xa inkampani yomshuwalense ihamba nge- inshorensi ye- bankruptcy iya kuqhubeka kwaye iibango zomgaqo-nkqubo ziya kuhlawulwa kwaye zihlawulwe yimibutho yomshuwalense we-insurrensi yombuso, ngokubhekiselele kwimida yommandla ngamnye. Iimali zokunika inkxaso eziqinisekisiwe ngokuqhelekileyo ziyahluka ukusuka kwi-$ 100,000- $ 500,000 kwiingeniso, kodwa kuya kufuneka uhlolisise kunye nombutho wakho womshuwalense we-inshurensi yomhlaba ukuze ubone ukuba iziphi iifom ezifakwe kwiiindidi zeenzuzo kwimeko yakho.
Kukho imimiselo eqhelekileyo kunye nombuso omele ulandelwe. Unokufumana ulwazi olongezelelweyo kwiNkampani yeNational Health of Health and Associations Guarantee Associations (NOLHGA), enika isishwankathelo semithetho yelizwe nganye kunye neqhagamshelo kumbutho we-guaranty.
Ndiqwalasela njani ukulinganisela kwenkampani yam inshorensi?
Unokujonga ubungakanani benkampani yakho yomshuwalense nanini na. Ngokumalunga nokulinganisa, iinkampani ezintathu eziphambili ezigcina iithebhu kubathwali bomshuwalense zi:
- AM Best
- I-Standard & Poor's
- Moody's
Inye yale nkampani inika inkqubo yokulinganisela ichaza ngokucacileyo ukuba iinkampani zinomngcipheko omkhulu kunabanye.
Ngokuqhelekileyo, i-A ++, AAA, ne-Aaa ngamanqaku aphezulu ngokulandelanayo, ngelixa i-D, iCC, ne-Ca yiphelo eliphantsi kwebala elibonisa ukulinganisa okuthe tye okanye okuncinci. Ukulinganiswa okunamandla kuthetha ukuba inkampani ibhekwa njengezinzile zemali.
Qaphela - nganye inkampani isebenzisa indlela eyahlukileyo kwimilinganiselo yabo yokulinganisa. Akukho siqinisekiso sokuba ukuba inkampani ifumana isilinganiselo esiphezulu sokuthi imali yakho ikhuselekile. Kukho ezininzi iziganeko xa enye yeenkampani zenkxaso zinika inkampani inqanaba eliphezulu elibonakala lingalunganga. U-Enron ungumzekelo oyintloko.
Mhlawumbi isalathisi esiluncedo kakhulu somgaqo-nkqubo okanye umphathisi-nto ukuba ingafumani naluphi na udweliso olutshanje. Xa udibana ne-arhente yakho okanye umcebisi, bacele ukuba yintoni ukulinganiswa kwamanje. Thelekisa le niselo apho iqala khona.
Izilinganiso onethemba lokuba ungaziva ziquka AM Iimpawu eziphambili ezibizwa ngokuba ngu-E, F, okanye S. Oku kuya kuthetha ukuba inkampani iphantsi kwe-supervision ye-state, ngokucatshiswa, okanye ithatha isilinganisi sokumiswa (esichaza ulwazi alufumaneki.)
Ukulinganisa okuMgangatho kunye nokuPhepha, uya kuba nokukhathazeka ukuba ukulinganiswa kuye kwatshintshile ku-R. I-R iyitsho ukuba umphathiswa uphantsi kolawulo lweengxoxo zenthorensi.
Ekugqibeleni, ukuba uMoody uye wakhupha isilinganiselo seCa okanye iCC, ithetha ukuba umphathiswa unengozi kakhulu okanye ayikho. Inkampani ibala eli thuba eliphantsi linika ukhuseleko lwemali olubi, okuchaseneyo nento ofuna ukuyibona. Ukusebenzisa iwebhusayithi yeMoody, uya kufuneka urejistise ukuze ufumane ukufikelela okukhululekile ngokudala igama lomsebenzisi kunye nephasiwedi.
Ummeli wakho we-inshorensi kufuneka afumaneke kwaye unokukunceda ukuba uhlole iimfuno zeenkampani kunye neemfuno zomgaqo-nkqubo.
Umcebisi wezezimali unokukunceda ufunde indlela yokusasaza umngcipheko kwizinto ezininzi zokuhamba (into enokuyenza xa uthengisa i-annuity) ukuze ingeniso yakho yomhlala-phantsi ixhomekeke kwiinkampani zomshuwalense kuphela.
Qaphela kodwa Ungakhathazeki
Akunqabile ukuba iinkampani ze-inshorensi zingaphumeleli. Ngokuqhelekileyo, endaweni yokuphuma kwishishini, bafumana umthengi kunye nabanikazi balo mgaqo-nkqubo bafumana kuphela intloko yesifo sokubhalisa kwakhona kwinkampani entsha.
Ukungena kunye nenkampani ephakamileyo kakhulu kuyona nto ibhetele kwaye kunengqiqo ukuqhubeka kunye nempilo yenkampani kodwa kuninzi, umgaqo-nkqubo ukhuselekile.