Nabani na umntu obenayo le ngcamango kuqala kufuneka afumane indondo yenkonzo efanelekileyo. Ngokuqinisekileyo baqinisekisile ukuba bonke abathwali bemali bayavuma ukunikela. Kufuneka kubekho umfanekiso weli genius kwi-Annuity Hall of Fame (ukuba kukho enye). Ndinyanisile kakhulu! Ukubonelelwa kobukhulu bentengiso ngenye yezindlela ezikuphela kwishishini ukuzama ukukhupha izinto ezingabhawulwayo zokuthengisa iimali zonyaka ezilawula iimeko ezikhoyo.
Kukulungele ukufundiswa ngokubanzi malunga nokuthengwa kwemali, kodwa ngamanye amaxesha i-pitch yokuthengisa ihamba endleleni. Makhe sijonge kwiimpawu ezithile zenkqubo yokujonga i-free ye-annuity ukuze ukwazi ukuba ukhethe okanye uthathe isigqibo sokuthenga i-annuity.
Unako "ukukhulula ukukhangela" yakho yonyaka ukususela kwiintsuku ezili-10 ukuya kwii-30 kuxhomekeke kwimeko
Kuya kuba lula ukuba onke amazwe anemithetho efanayo kunye nexesha elifanelekileyo lokubukeka kwexesha, kodwa ayenjalo. Oku kuya kwenza ukuba uqikelele. Endaweni yoko, ilizwe ngalinye linemithetho eyahlukileyo, kwaye ixesha lokubukeka likhululekile linokuqala ukusuka kwiintsuku ezili-10 ukuya kwi-30. Ngenxa yokuntuleka kokufana, kubalulekile ukwazi imithetho. Kwihlabathi eligqibeleleyo, i-arhente kufuneka ikuxelele iiparitha ezithile zexesha lakho lokujonga ngokukhululekile ngexesha lokuthengisa. Umntu unokuphupha, ndicinga ukuba.
"Ukubukeka kwamahhala" iwashi iqala ukukhawuleza xa i-policy annuity ihanjiswa.
Isikhathi sokubukeka simahla siqala xa umgaqo-nkqubo uhanjiswa kuwe.
Abanye abathwali bafuna ukuba usayine i-receipt yangempela yokuhambisa, kodwa kubalulekile ukukhumbula ukuba iwashi iqala ukukhawuleza xa ufumana izandla kwi-policy. Enye into ebalulekileyo kukuba iintsuku ezibaliweyo ziintsuku zekhalenda, kungekhona iintsuku zokusebenza, ngoko uMgqibelo kunye neCawa zifakiwe.
Xa umgaqo-nkqubo unikezelwa, lihlala lixesha elifanelekileyo lokunika umphathisili umnxeba nje ukuqinisekisa ukuba i-annuity isebenze njani kwaye uqinisekise izithembiso ezenziwe ngexesha lokuthengisa.
Ungabizi i-agent, shayela inkampani yenkampani. Inombolo ye-free yenkampani iya kuba kumgaqo-nkqubo, ngoko ke ukuba ufumanisa ukuba iziqinisekiso azihambelani ne-pitch yokuthengisa, ngoko unako ukukhulula ukubheka ipolisi ngqo kuloo fowuni.
Awudingi ukuchaza isizathu sokucela "ukubukeka kwamahhala" ukubuyiselwa kwemigaqo ye-annuity policy.
Inxalenye engcono malunga nokubonelelwa kokukhululeka kokungabonakali kukuba akudingeki ukuba unike isizathu sokuba ufuna imali epheleleyo. Kananjalo akudingeki uthethe ne-arhente yokuthengisa nonke. Endaweni yoko, unokwazi ukubiza inkampani eyakhupha umgaqo-nkqubo kwaye ubatshele ukuba bathumele imali yakho. Kukho uhlobo olulodwa lokutyikitya (kuxhomekeke kumphathi), kodwa abantu abancedisa abantu abathengi abayi kuzama ukukuthetha ngaphandle kwayo. Ngethuba nje ulandela ixesha lokulawula, uya kubuyisa imali yakho kubuza imibuzo.
I-NOLHGA.com yilapho ufumana i-annuity "ukubukeka kwamahhala" imithetho elawula urhulumente wakho.
Umbutho weSizwe we-Life & Health Guaranty Association ungumanyamanyathelo okulawula onke amasebe karhulumente ase-inshurensi. Le sayithi ineqhagamshelo kwiSebe le-inshurensi yesebe apho ungayifumana imigaqo yeemfuno zokujonga i-free state.
Ukuba ukhe uphakanyiswe phezulu ukuba usayinwe iphepha le-annuity, awukwazi ngokwenene oko uthenge, okanye ufuna nje imali yakho, kubalulekile ukwazi ukuba unokubuyisela imali yakho kusasa ngaphandle kombuzo.
Sebenzisa nje ukubonelelwa kwehhala. Ziindaba ezilungileyo kubo bonke abathengi abaneminyaka engama-annuity, kunye nolunye ulwazi olungafanele uyilibale.
Ukubonelelwa kweentlawulo zamahhala ngaphandle kwenkonzo ngokuqinisekileyo ngumhlobo wabathengi. Cinga nje ngokuba uphuma kwikharityhulam yamahhala. Ngenzuzo yokuthengisa kwi-pitch pitch, kunye neentengiso zokuthengisa ezinokutshabalalisa imboni yenkxaso , kunokwenzeka ukuba ikhutshwe kwi-annuity ongeyidingi. Khumbula ukuba ixesha lokujonga elikhululekile liphela yindlela yokugqibela yokuqinisekisa ukuba i-annuity yakho ilungile. Ukuba akunjalo, unokucela imali yakho ngexesha lokubukeka kwamahhala elivumelekileyo kwimeko yakho.