10 Makambani Anopa AD & D Inishuwarenzi

An AD & D Policy inopa Chesi Kubhadhara Kubatsiri

Ndeipi mikana yako yekufa mune imwe njodzi? Maererano nehuwandu hunobva kuCenters for Disease Control nekudzivirira, njodzi ndiyo yechishanu inokonzera kukonzera rufu muUnited States, chete shure kwezvikonzero zvinokonzera zvirwere zvepfungwa, kenza, zvirwere zvekuputira uye marwadzo.

Iwe hauna mubvunzo wakafunga kuti chii chaizoitika kune vadikanwa vako kana zviitiko zvako zvisingatarisirwi nekuda kweimwe rudzi rwekukanganisa.

Matambudziko emari uye mamwe mararamiro anogona kuita nguva ino yekushungurudzika komunhu kunyanya kuedza. Inishuwarenzi yehupenyu inofanirwa kukupa rugare rwepfungwa-kuvimbisa kuti mhuri yako ichachengetwa kana chimwe chinhu chichiitika kwauri. Zvisinei, iwe unogona kuva nemamiriro ezvinhu chaiwo kana unofarira kuwana huwandu hwekupararira kupfuura huwandu hwehupenyu hweinishuwarenzi yeupenyu hunogona kupa. Nokuda kwezviitiko zvakakosha, kufa kwepachivande nekuputsika (AD & D) inishuwarenzi nderimwe sarudzo yekufunga paunosarudza rudzi rwakanaka rwe inshuwarisi yehupenyu .

Kufa Nenguva Isingafungiri uye Kurasikirwa Inishuwarenzi

Dhidhiyo yeD & D ichapa mari yekubhadhara mari yako kune avo vanobatsiri kana iwe ukafa semugumisiro wepakona yakavharidzirwa kana uchatambura kusagadzikana kana kukwana kwakakwana nekuda kwenjodzi yakavharwa. Dhizimisi yeD & D ichabhadhara zvikwereti zvinokonzera kuwedzera kune chero ipi zvayo yemainishuwarenzi yepamusoro iwe unobhadhara inshurensi yekuremara kana inoshuwarenzi yevashandi yako yekubhadhara iyo yaizobhadhara kubviswa kwechikonzero chinokonzerwa nenjodzi inobata basa.

Kazhinji, mutemo unopa $ 20,000 kusvika ku $ 500 000 muhuwandu uye inogona kunyorwa pamutemo mumwechete kana kuburikidza nehuwandu hwevashandi. Mukutaura kwekufa kwechakaitika chakavharidzirwa, mari yakazara yemari inobhadharwa inobhadharwa. Nokuda kwechikwata chekudzikana kana kurasikirwa kwemaziso, izvi zvikwereti zvinowanikwa se "chirongwa chekubhadharwa" kana chimwe chikamu chemutengo mukuru wekuvhara mazano.

Pane zvimwe zvikonzero zvinoshanda kumatongerwe eD & D akawanda akadai sekukuvara kunokonzerwa nekuedza kuzviuraya, rufu kubva pakuvhiyiwa, kuderedza zvinodhaka kana kuzvikuvadza nemaune nenzira imwe. Zvimwe zvikamu zvinogona kushandiswa uye zvinopesana nekambani yveshuwarisi.

10 Inishuwarenzi Makambani Anopa AD & D Policies

1. Prudential : Prudential Inishuwarenzi inopa mushandi anobatsira AD & D mutemo nechisarudzo chekuwedzera mumwe wako nevana. Zvichienderana newaunoshandira, mubayiro wega wega unogona kubhadharwa nechisarudzo chekuwedzera vatsigiri vako nokuda kwepaimari yepamusoro yaunogona kuripa. Dhidhiyo yeD & D kuburikidza nePrudential inowanikwa sekuchengetedzwa kwega-oga kana sekuwedzera kunowedzerwa kune imwe yemazuva ehupenyu-inshuwarisi yemutemo. Iwe unogona kuwedzera mutasvi webato rako nekuda kweizvi: kubhadhara kwakawedzerwa kana uchifira mumotokari asi uchishandisa bhanhire rechigaro mumotokari ine airbags; kurasikirwa nekuda kwekoma, kusvibiswa, kuparara, kurwiswa kwechisimba kana mushandi / muroori / muvakidzani pamwe chete pamwe chete rufu; Mhandara kana mwana wechikoro chekubhadhara uye kubatsirwa nemudzimai. Prudential Inishuwarenzi yave iri mubhizinesi kubva muna 1875 uye ine "A +" Superior rating kubva kuna AM Best. Coverage iri kupa muSouth America yose
2. Kuwirirana kweOmaha : Kuwirirana kweAmaha neD & D kuparidzirwa kunopiwa sechimwe chinhu chinowanikwa kumushandi wehupenyu hwehutano hwehupenyu. Kune vatatu vakasiyana nevashambadziri: (1) Mhuri inotevera-Inoratidza kuti mudzidzi wechikoro anobatsira kusvika $ 3,000, dzidzo yevana inobhadhara kusvika $ 5,000, kubatsirwa kwevana kusvika kune $ 5,000 kuitira kuchengetwa kwevana kuchengetwa uye kuenderera mberi kwekuvhara vana kuitira kuti Kuvharidzirwa kunoramba kuri kushanda kumudzimai uye kuvimba kwevana kusvika kumwedzi gumi nemaviri mushure mekufa; (2) Kufambira mberi -Kusarudza izvi kunowedzera rubatsiro rwechigaro chekuchengetedza chikwereti chinowedzera 10% kusvika pa $ 25,000; bhegi yebhagivha inobhadhara kusvika $ 25,000; iyo inobhadharwa kaviri kusvika ku $ 1 000 000 kana njodzi inowanikwa mumatokari ehurumende uye $ 5,000 mukubhadhara mari yekudzorera kwekutakura kwezvasara; (3) Dambudziko rekufa -Inobata chirwere chekushaya rutivi kana ruzivo rwakavhiringidza rwunoita kuti paraplegia, hemiplegia, quadriplegia, triplegia kana uniplegia; anokwereta 10% yezvekutengesa motokari kana kumusha; 5% mamwe ekuwedzera kusvika kumwedzi makumi maviri; kuchipatara kuchengetwa mari uye kusvika kune $ 25,000 kubhadhara kubhadhara kwekukuvadzwa kunorwadza. Kuwirirana kweOmaha kwakatangwa muna 1909 uye inopa kugoverwa mumasangano 44. Iine simba rezvemari re "A +" Superior kubva AM Best.

1. AIG Direct : AIG Direct inopa izvi zvirongwa zveD & D: (1) Dambudziko reNjodzi-Yakagadzirirwa kuzadza zvipfigiso zvako chirongwa chekurapa hachifukidze kana pakaitika njodzi yakavharwa kana chirwere chakanyanya; (2) Gwaro reAgreeCare Direct Plus -Nyaya yakagadziriswa uye yakagadziriswa inotsigirwa mitemo yekufa kwekufa uye kuora mwoyo. Iyi nheyo inokupa maawa makumi maviri nemasere ekuchengetedzwa uye kubhadhara zvikwereti zvekubhadhara mari; (3) AG Njodzi Yokusarudza Zvimwe- Inoratidza kuwedzera kuwedzera kwezviitiko zvakasiyana-siyana uye zvikwereti zvinokonzerwa nekuvhiyiwa, kurapwa kwepanyama, kuongororwa kwekuongorora uye kushanyira mumba. AIG yakatanga kushanda muUnited States muna 1926. Inopa kupararira kumativi eU.S. uye munyika dzinopfuura zana. AIG ine simba rezvemari re "A" kubva kuna AM Best.
2. Aflac : Aflac inopa inshuwalisi yengozi kuburikidza nevashandi kupa mari yemari yekuchengetedzwa kwenjodzi nemari yekudzikinura kusanganisira kurapwa kwenguva pfupi, kurapwa kwezvechiremba, pokugara uye nezvimwe. Pani iyi inosanganisira chimwe chinhu chinonzi One Day Pay chinogona kukupa mari nokukurumidza zuva rakatevera mushure mekuona netsaona kuti ibatsire nemitemo uye mamwe mararamiro ehupenyu iwe uchiri kuporeswa mushure mekunge uchinge usina kukwanisa kushanda. Aflac inonyanya kugadzirisa mitemo yevanhu vanopfuura mamiriyoni makumi mashanu vanovimbiswa pasi rose. Aflac ine "A +" Superior simba rezvemari kubva kuAm Best.

1. Transamerica : Mitemo miviri yekufa kwechirwere ichi inowanikwa kuburikidza neTransamerica: Ronga A- Inoratidza kubhadhara kusvika $ 250,000 nokuda kwekufa kwekufungidzirwa kwakafa kunowedzera kusvika ku $ 500 000 kwezviitiko zvinowanzobatwa (zvinotakura vanhu); Purogiramu B- Izvo zvikwereti zvinokwana $ 25,000 nokuda kwekufa kwakafukidzira rufu izvo zvinowedzera kusvika ku $ 250,000 kune zviitiko zvinowanzobatwa nevamwe. Vakaroorana nevana vanogona kuwedzerwa kune chimwe chirongwa chepa premium inowedzera. Mutasvi waro anowedzera mubhadharo we $ 125,000 kune vakaroorana uye $ 5,000 nokuda kwevana pavanowanikwa kuGadziriro A. Gadziriro B inokwereta $ 75,000 kune vakaroorana uye $ 5,000 nokuda kwevana. Transamerica yave iri mubhizinesi kubvira muna 1928 uye inopa kugoverwa kuburikidza nemakambani ayo ari pasi rese mune zvese makumi mashanu. Transamerica ine "A +" Kuwedzera kwehutano hwemari kubva kuna AM Best.
2. Kuvimbika Kwehupenyu : Inobatsiro Inouraya Inobatsira Kufa inobva kuFidelity Life inopa kupiwa $ 50,000 kusvika ku $ 250 000 uye inowanikwa nekodhi se $ 10 pamwedzi. Mutemo unowanikwa kune vanhu vane makore makumi maviri nemakumi matanhatu kusvika ku59. Kubhadhara kwakakwana kunobhadharwa kusvika kusvika makore makumi manomwe uye zvino kunoderedzwa kusvika 50% yehutano hwemaonero ehutungamiri kusvikira huchapera pazera remakore makumi matanhatu. Vatasvi vanogona kuvhara vana nevakaroorana . Kutendeseka Upenyu hwakatangwa muna 1896 uye ine "A-" Zvakanaka zvemari simba kubva kuna AM Best. Kutendeseka Upenyu hunobvumirwa kune dzimwe nyika kunze kweWedoming neNew York.

1. Varimi : Kubudiswa kweD & D kubva ku Farmers Insurance kunopa kugoverwa kubva pa $ 50,000 kusvika ku $ 200,000 kubhadhara mari yekubatana neipi uye kurasikirwa nemari. Mari inosvika $ 100,000 yekuparidzira ndeye $ 8 chete pamwedzi. Hapana nguva yekumirira yekuvharidzira kusvika pakuve. Nokuda kwekufa kunokonzerwa nechiitiko chinowanzobatwa nevanotakura, pane kugoverwa kusvika kusvika $ 1,000,000. Coverage inogadziriswa kune vashandi vezera remakore 18 kusvika ku59. Farmers Insurance yakagadzwa muna 1928 uye ine "A" Zvakanaka zvemari simba kubva kuna AM Best. Coverage inowanikwa mune dzose makumi mashanu.
2. The Hartford : Mutemo weD & D kubva kuHartford unopa kuchengetedza kwemaawa makumi maviri nemaviri ekukuvadzwa, kuora mwoyo kana kufa uye kuribhadharira kurasikirwa kunoitika mukati me 365 yenjodzi yakavharwa. Pasi peurongwa urongwa hunosanganisira kurashikirwa kwehupenyu, kurasikirwa kwekutaura, kurasikirwa kwekunzwa, kurasikirwa kwemaoko, tsoka kana kuona, kurasikirwa kwechigunwe kana kunyora muromo weimwe ruoko uye kurasikirwa kwekufamba. Urongwa hunoendeswa kuburikidza nevashandi kune vashandi kune avo vanoshandira-kubhadhara, kuzvipira kana kuti kumira-voga. Hartford iri kushanda kubva muna 1810 uye inopa kugoverwa kuburikidza neUnited States. Iyo kambani ine "A +" Superior simba rezvemari kubva ku AM Best.
3. MetLife : MetLife AD neD inshuwarheni inobhadhara zvikwereti pamhosva dzinokonzerwa nekurasikirwa noupenyu, kutaura, kunzwa kana kuona, kupora muviri uye zvimwe kurasikirwa. Inopiwa sevashandi-kubhadhara, mushandi-kubhadharwa sarudzo kana kusanganiswa kwezvose. Zvinyorwa zvinowanikwa uye zvakasarudzwa zvinosanganisira kugoverwa kwebhasigi, chikwama chekuchengetera vana, chikwata chekuchengetedza vana, nzvimbo yekuchengetedza vana, dzidzo yekunamatira vana, dzidzo yevabereki, yekuchengetwa kwevana, kuenderera mberi kweCOBRA, HIV, kushungurudzwa kwebasa, kubatsirwa kwevabereki, kugadziriswa kwepanyama, kudzorerwa kwezvakawanda, kurapa kupa mazano uye kubasa panzvimbo yakashata. MetLife yakatangwa muna 1868 uye ine "A +" Superior simba rekushaya mari kubva kuna AM Best. MetLife inopa kugoverwa kuburikidza neUnited States uye munyika dzinenge makumi mashanu munyika yose.
4. Sun Life Zvemarivha : Sun Life Financial inopa inshuwarisi yeD & D kuenzanisa kukosha kweshuwarisi yehupenyu hwako kana kuti iwe ungasarudza imwe yakasiyana. Iwe unosarudza kusarudza mari zvichienderana nemari yako (muenzaniso unogona kuva kaviri marairi yako yega yega) kana iwe unogona kusarudza dheti yakatarwa. Iyo mitemo inopa kugoverwa kwekurasikirwa nekuda kwekukuvara nekukuvara, kutaura uye kunzwa, quadriplegia, paraplegia, kurasikirwa kwemaziso mune rimwe ziso, mutauro, kunzwa, kurasikirwa kwemakumbo (ruoko kana gumbo), chigunwe uye index finger. Kana chiitiko chakavharidzirwa chikaitika mukufa kwako, muwani wako anowana 100% yehuwandu hwekuvhara. Sun Life Financial yakatangwa muna 1865 uye ine "A +" Superior simba rezvemari kubva kuAm Best. Coverage inowanikwa mune dzose 50 dzinotaura.

Zvimwewo uye Mafungiro

Kune vanhu vazhinji, AD & D haisi kuzova yekutanga kwekugoverana asi panzvimbo yekuwedzera mitemo yekupa humwe huwandu husingawanikwi nehutano hwehutano inshuwarisi. Ramba uchifunga kuti mutemo weD & D unobhadhara chete kana kufa kwako kukonzerwa neipi yakavharwa. Iwe unowanzofa kubva pane chimwe chikonzero chisingafukidzi kusanganisira kenza, kurwisa kwemwoyo kana zvimwe zvirwere. Uyewo, zvimwe zvinoshandiswa zvinosanganisira mitemo yakadai sezviitiko zvinokonzerwa nemabasa ane ngozi zvinosanganisira motokari kana motokari kumhanya, sky diving, nezvimwe zvinhu zvakanyanya ngozi. Iva nechokwadi chekuwana kuti chii chakatorwa musati watenga mutemo weD & D.

Vamwe vashandi vanopa izvi kugoverwa kune vashandi vavo pasina. Kana uchikwanisa kuwana huwandu hwekubhadhara pachena, zviri pachena kuti uite saizvozvo. Makambani emishuwarenzi ehupenyu anokubvumira kuti uwedzere AD & D ari kukwira kune yako yemainishuwarenzi yehupenyu huripo kune imwe yero premium. Izvi zvingava sarudzo shoma kupfuura kutenga demo rega rega yeD & D. Kana iwe uchifunga zvekare, kudhindwa kweD & D kunogona kunge kwakakodzera iwe, kutengesa uchienzanisa uye kuenzanisa kusarudzwa kwekugadzirisa uye mari kuti uwane zvakanakisisa purogiramu .