10 Inishuwarenzi Makambani Anopa Inobvumirano Yakagadziriswa Inishuwarenzi yeupenyu

Kana Wakarambwa Upenyu HweInishuwarenzi

Makambani eInishuwarenzi anotarisa zvinhu zvakawanda paanosarudza kana iwe akakodzera kuwana inshuwarisi yehupenyu. Zvimwe zvinhu zvakadai sehutano huripo huri hutano hunoita kuti iwe uve nengozi huru uye isingagoneki nekambani ye inshuwarisi yekunyora pasi. Kunyangwe kumakambani akazara achakupa hurumende kana iwe uchitaridzirwa kuti uri mukana mukuru wekutsvaga, mazinga ako angave akakwirira kupfuura aya ehutano hwehutano inshuwarisi.

Usarega tariro kana iwe wakarambidzwa inshuwarano yehupenyu, pane zvimwe zvingave zviripo zvekupa iwe nemhuri yako mari yekuchengetedza yaunoda.

Zvikonzero Zvaunogona Kurasikirwa Kuvhara kana Kufungidzirwa Kukuru Kwengozi

Makambani einishuwarenzi yehupenyu anowanzoramba kuparidzirwa kune avo vanoita zvinoenderana nemitemo yehutano kana mamwe mamiriro ezvinhu eupenyu Vaya vakakumbira vangave vachirambidzwa kuparidzirwa panguva yekuongorora maitiro ekutanga pakupedza inshuwarisi yehupenyu. Heano zvimwe zvezvikonzero zvinogona kunge zvave wakarambidzwa inshuwarano yehupenyu:

• Iwe uri kusvuta kana kushandisa zvimwe zvigadzirwa zvefodya, unoshandisa doro zvisina kunaka kana zvimwe zvinhu zvinodzora.
• Iwe une chirwere chisingaperi.
• Une humwe hwehutano hunotevera: chirwere chemoyo, kuneta, kenza, chirwere cheshuga, chirwere chemafi, multiple sclerosis kana zvimwe zvirwere zvisingaperi kana zvirwere.
• Iwe une hutano hwepamusoro-soro hwakafanana nekugadzira matanda, hove yakadzika yegungwa uye mamwe mabasa ane huwandu hwekufa / kukuvara kwehuwandu hwemabasa.

• Iwe unopinda mune zvinokuvadza zvakanyanya zvakadai sekudenga diving kana scuba diving.

Inishuwarenzi Makambani Anopa Inishuwarenzi Yakagadziriswa Inhuwarisi yeUpenyu

Kana iwe uri kutsvaga hutano hwehutano hwehutano inshuwarisi kana kubvumwa kwakagadziriswa (dzimwe nguva kunonzi nyaya yakatsigirwa) inshuwarisi yehupenyu hwekambani idzi makambani nzvimbo dzakanaka kuti utange kutsvaga kwako.

Sangano rimwe nerimwe rinopa maitiro akasiyana-siyana anogona kuenderana nemamiriro ezvinhu ehutano akasiyana iwe iwe nemhuri yako.

1. AIG : AIG Direct inopa nyaya yakagadziriswa yose yveshuwarisi yehupenyu hwehupenyu iyo inopa kugoverwa pasina kuongororwa kwechiremba uye hapana mibvunzo yehutano yekuzadza. Iyi ndiyo mitemo yakakosha kune vanhu vari kutsvaga kubhadharwa kubhadhara mari yakawedzerwa kusanganisira mabhizimisi ezvehutano, mariro emari kana mamwe mabasa ezvemari. Iyi nheyo inobvumirwa nyaya yevanhu 50-85 iyo inogona kunge isina kuchengetedzwa kuburikidza nedzimwe zvirongwa nekuda kwehutano. Iwe unogona kuwana chirongwa chepamusoro kune $ 25,000 muhuwandu hunosanganisira chirwere chisingaperi uye kupera kurwara. Zvikwata zvekutanga zvinotsigirwa kuti zvirege kuwedzerwa munguva yehupenyu hwematongerwo enyika.
2. Colonial Penn : Colonial Penn anoshambadzira inshuwarisi yehupenyu huripo hwekutambira huripo nemitengo ye $ 9.95 pamwedzi. Hapana huripo huripo huripo huripo huripo, hapana chikonzero chekuongorora chiremba uye hapana kuwedzera kwekuwedzera nekuda kwechikonzero chipi nechipi. Uyu mutemo unowanikwa kuvadzidzi vanosvika makore makumi mashanu kusvika kune makumi mashanu. Mazana emari anowanikwa kusvika $ 50,000. Colonial Penn ave ari mubhizimisi kwemakore anopfuura 50. Iyo ikambani inobatsira yeCNO Financial Group. Iko kambani ine "A-" mari yehutano yehutano ne AM Best sangano rekuchengetedza inshumo nemaonero akasimba.

1. America : Sangano reAmerico's Ultra Protector III inoratidzirwa nyaya inobvumirwa nehutano yveshuwarisi yehutano inopa premium yepamusoro nemari inowanikwa kubva $ 2,000 kusvika ku $ 30,000. Inowanika kune vanhu vari pakati pemakore makumi mashanu kusvika makumi masere. Hapana nguva yekumirira yekuwana ruzivo rwakafa rwekufa uye kusvika 50% yehuwandu hwekufa huripo kune avo vanoongororwa vane chirwere chisingaperi. Panewo mararamiro ekufa ane makore matatu ehutano hunobvumirwa nehuwandu hwekubhadhara mari inowanikwa kubva ku $ 2,000 kusvika ku $ 10 000. Neurongwa hwemakore matatu, gore rinotora 5%; gore rechipiri rinobhadhara 10%; uye gore rechitatu richabhadhara rufu rwe 75%. Chirwere chekufa zvakazara chinowanika kana rufu runokonzerwa nehutsa.
2. MetLife : MetLife inopa kuvimbiswa kwakagadziriswa kwese inshuwarisi yehupenyu hwevadzidzi kune makore makumi mashanu kusvika ku75. Nechirevo ichi, haugone kurambwa kuparidzirwa nekuda kwezvikonzero zvehutano. Hapasi kuongororwa kwezvokurapa kana mibvunzo yehutano kugadzirisa. Iyo inorayira inobhadhara mari shoma inobhadharwa kufa kwemakore maviri ekutanga ekuparidzirwa.

1. Kuwirirana kweOmaha : Pane mitemo mitatu yakasiyana-siyana yehupenyu yakapiwa kuburikidza neMutual of Omaha: Whole Life Guaranteed Direct , Whole Life Guaranteed uye Whole Life Express . Mipirogiramu yacho inotsigirwa kuti isambowedzere uye hupenyu huse huripo hutungamiri huripo hunotipa chigamuchiro chinogamuchirwa kwemakore 45-85. Batsiro inowanikwa kubva ku $ 3,000 kusvika ku $ 50,000.
2. YomuUnited Home Upenyu : NeUnited Home Upenyu, zvirongwa zvitatu zvakasiyana zvinowanikwa kukufukidza iwe pasinei nemamiriro ako ekurapa kusanganisira vanhu vane hutano hwakanyanya nenyaya kana avo avo vanotombofunga kuti havakwanisiki kune vamwe vatakuri. Hapana miedzo yezvechiremba inodiwa.
3. Kutendeseka Upenyu : Kuvimbika Upenyu hunopa hupenyu hwehutano hwehupenyu hwehutano husingaperi hunonzi Rapid Decision Guaranteed Issue. Mari yakawanda inowanikwa kusvika ku $ 20,000 kune vanhu vane makore 50-85. Hapana hutano hwekuongororwa kwehutano uye hapana mubvunzo wezvokurapa kuti upedze. Iyi mitemo ine mari yekuunganidza mari. Kwemakore mitatu ekutanga emutemo, pane kuderedza kufa kwebatsiro. Zvisinei, kutanga negore rechina, kugoverwa kwakazara kunopiwa. Zvikwata zvekutanga zvinoramba zviri muhupenyu hwose hwehutano.
4. MassMutual : Inishuwarenzi yehupenyu hwehupenyu hwehutano hwekubvuma huripo hweMassMutual hunotipa hutano hwakavimbika muhupenyu hwose hwematongerwo enyika. Nhamba yako yepamusoro inobvumirwa zvakare kuti usawedzera. Kune huwandu hwekufa kwekubatsira kwemakore maviri ekutanga ekuparidzirwa. Nhamba yemari inowanikwa $ 2,000 kusvika ku $ 25,000 kutanga nemabhadharo emadhora ekuderera se $ 10 pamwedzi. Mutemo unowanikwa kuvadzidzi vanosvika 50 kusvika ku75. Hapana kuongorora muviri kana mibvunzo yezvechiremba inodiwa. Rufu rwekufa runovimbiswa nokuda kwehupenyu hwepurogiramu chero bedzi mapeamisi aripo.
5. Vantis Life Insurance Company : Inishuwarenzi yehupenyu hwehupenyu hwakavimbiswa inopiwa neVantis Life Insurance Company inonzi SBLI Guaranteed Golden Life Insurance. Inowanika kune vanhu vari pakati pemakore 50-80. Hapana mibvunzo yehutano kana miedzo yepanyama inodiwa. Nhungamiro yehutano inowanikwa kubva ku $ 5,000 kusvika ku $ 20,000. Zvikwata zvekutanga zvinotsigirwa kuti hazvisati zvichiwedzera. Kungoerekana kwafa kufa kwakafukidzwa mukati memakore maviri ekutanga emutemo uye pashure pemakore maviri, kugoverwa kwakazara kunopiwa.
6. Gerber : Gerber ane inshuwarisi yehupenyu hwehupenyu hwehutano hwekubvuma huripo hwevanhu vari pakati pemakore makumi mashanu kusvika ku80. Hapana mibvunzo yehutano inobvunzwa uye hapana kuongorora mumuviri kunokosha. Dare rehuwandu huripo huripo huri kuwedzera kubva ku $ 5,000 kusvika ku $ 25,000. IGerber yakagadziriswa inshuwarisi yehupenyu hwehupenyu hwehupenyu hunoita kuti mari inowedzera pamusoro pehupenyu hwematongerwo enyika

Zvimwewo uye Mafungiro

Paunofunga nezvemamwe maitiro kune inshuwarisi yehupenyu hwehutano hwekubvuma , hutachiwana rufu uye kubviswa kweushuwarisi inshu (AD & D) zvakare ndeimwe nzira yekufunga. Nenguva yakafa rufu uye inshuwalense yeruzhinji, vatsigiri vako vanobhadharwa muitiko unotambura nerufu kuburikidza nemhando yeimwe ngozi. Kunyange kana iwe usingakodzeri hutano hwehutano inshuwarisi, iwe unogona kuwana chirango chekufa nekuparadzwa kwechibvumirano chichapa humwe huviriro hunowanikwa iwe nemhuri yako.

Kana iwe uri kunyanya kunetseka nemari yekupedzisira mhuri yako inotarisana nayo mushure mekufa kwako, iwe ungada kufunga nezverongwa hwekuviga . Ichi chirongwa chinogona kutengwa kubva kumusha wemariro. Iwe unogona kuronga urongwa hwako uye kubhadhara kubhadhara kwebasa risati rafa. Mukuita izvi, iwe uri kudzivirira vadiwa vako kubva pakuita nekubhadhara zvirongwa zvekupedzisira.

Kunyangwe iwe wakamboudzwa kuti hauna kodzero yemishuwarenzi yehupenyu, pane zvingasarudzwa iwe. Iva nekutarisana nemunhu wako wehushuwarisi wehushuwarisi asati aita chisarudzo chekupedzisira kuona kuti zvipi zvingasungirirwa iwe nemhuri yako zvakanakisisa. Kana iwe ukasarudza kutenga inshuwarisi yehupenyu hwehutano hwekubvuma, iwe unoda kutarisa rekambani yemubhizimisi rekambani yemasevisi kuburikidza nemasangano evatengi vakadai saJD Power & Associates uye nhare yezvemari kuburikidza nemasangano ehurumende yechuwarisi yakadai se AM Best .