Inishuwarenzi Inogona Kuva Yakakosha Zvikuru, Asi Inogonawo Kuve Isingakoshi
Inishuwarenzi ibhizinesi guru uye michina mitsva nemitemo inowanzogadzirwa kuti isangane nemhando dzose dzezvinodiwa. Vamwe vangave vakave vakakodzera zvakakwana, asi vamwe vanogona kutaura sezvinonzi pfungwa yakanaka. Mushandi wekushanda nemari-based based planner , unoziva sei kuti inishuwarenzi iwe nemhuri yako inofanira kuva chii?
Ndinokurudzira kutanga nemhando dzeinishuwarenzi yaunoda kuti uve nechokwadi chokuti unofukidza zvigaro zvakakosha zvikuru. Kana imwe nguva mazano aya ari panzvimbo, unogona kubuda uye kuongorora mamwe ma inshuwarisi angave akakosha kumamiriro ako akasiyana-siyana (sevanhu bhururu bhizinesi yevashandi vebhizimisi kana mazano ekuchengetedza kwenguva yakareba kugadzirisa kuwedzera kunotarisira kutarisira kwakwegura). Uye zvechokwadi, iwe unogona kusarudza kuti inishuwarenzi mitemo haisi yepari yako yemari.
3 Inishuwarenzi Pfungwa Dzusingadi
Kunyange zvazvo pane zviripo kupfuura mhando shomanana dzeinishuwarenzi mitemo ine nzvimbo yavo muzvikwata zvevanhu, pane zvakawanda zvaungangodaro uri nani kunze. Kunyange zvazvo zvingaita sokuti zvinonakidza mune zvinyorwa, chaizvoizvo, ungangodaro uri kuparadza mari pamitambamiro. Inotevera inshuwarisi yemhando inopinda muchikamu chekuparidzira marudzi akawanda vanhu vasingadi.
1. Mortgage Life Insurance
Iko rudzi rwe inshuwarisi riri kuwana huwandu hwehuwandu hwehupfumi munguva pfupi yapfuura, asi zvichida ingano iwe unogona kuita kunze.
Inishuwarenzi yehupenyu hwehupfumi ndiyo iyo inopikira kubhadhara chikwereti chako chekubhadhara chikwereti paunenge wakaremara kana kufa. Kana iwe wakaroora izvi zvinonzwika semafungiro akanaka, zvakanaka?
Zvakanaka, kwete chaizvo. Rudzi urwu rwepurogiramu rinongonyanya kuputira nemishuwarenzi yako yaive iripo iyo iwe unofunga kuti iwe unotove nayo kuburikidza nemushandirwi wako kana kuburikidza nemutemo wakasiyana (yeuka runyorwa rwe inshuwarisi munhu wose anofanira kunge ane?).
Muitiko rekufa nehutano hwehutano hwehushandi yemishonga, mutsigiri wemutemo unowana rubatsiro runogona kushandiswa kune chero mari yavanosarudza, kusanganisira kubhadhara chikwereti chako chakagoverwa.
Izvo zvinowanzoitika kune vanoronga mari kuti varatidze kuti inshuwarisi yehupenyu inotorwa kunze kwechiyero icho chisiri kungofukidza chete mari yakarashika yevakafa, asi zvimwe zvingawedzerwa kuvhara zvimwe zvinetso. Inishuwarenzi yehupenyu hwehupfumi inogona kuva inodhura - uye isingakoshi - kuwedzera kune inshuwarisi yehupenyu hwehupenyu. Pakupedzisira, sei uchibhadhara purogiramu yakawedzerwa kune chimwe chinhu chine mari inoshandisa mari ye inshuwarisi yehupenyu inogona kuvhara?
Izvo zvinowira kune ndeyekuti inshuwarheni yehupenyu hwehutano yakanyanyisa muhuwandu hwayo uye, saka, zvichida haisi kushandiswa kwakanakisisa kwepayimisi yveshuwarisi. Iwe unowanzova nani pakunamatira nehutano hwehushandi yemishandiro yehupenyu . Iwe unogona nguva dzose kuwedzera inshuwarano yehupenyu hwako kuvhara mari yako yekutengesa kana iri chinhu chaunonyanya kunetseka nazvo.
2. Kuenda uye Flight Insurance
Kufambisa uye inshuwarisi yemainishuwarenzi inopa humwe hutachiwana hunogona kukubhadhara iwe kuti ubhadhe mubayiro we inshuwarisi iyo inogona kupindirana nekugoverwa kana zvikomborero zvaunenge uine.
Usati washandisa mari painishuwarenzi yekufamba, tarisa hutano hwako hwehutano uye hupenyu hwehupenyu kuti uone kuti njodzi kana kukuvadzwa panguva dzekufamba kana ndege dzinoputirwa. Zvinodarika zvingave kune rumwe rudzi rwehuwandu hunowanikwa. Uye kana pane imwe njodzi, inshuwarisi yehupenyu hwako inofanira kukufukidza iwe kana iwe ukapfuura uchifamba.
Kana ukashandisa kadhi rechikwereti kutora matikiti kana kufamba urongwa, iwewo unoda kutarisa nekambani yako yekadhi yemakadhi kuti uone kana chero kudzivirira kwekufamba kunosanganiswa neakaunti yako. Mamwe makambani emakadhi echikwereti anowanzopa zvikwereti semotokari yemari yerensi, yakarasikirwa nemitoro yveshuwarisi kana inshurensi yengozi yekufamba sechikamu chechibvumirano chekadhimember Kana iwe ukawana kuti uchiri kuda imwe yhuwarisi yekuchengetedza pfungwa dzako murugare, iwe unogona nguva dzose kutenga chirongwa chiduku chekufamba kuti uvhare zvikanganiso muhutachire hwako huripo.
3. Cancer Insurance / Disease Inishuwarenzi
Chirwere chinokonzera kufanana neinishuwarenzi yekenza iri kuve yakakurumbira sezvo kenza mitambo uye kuziva kunowedzera. Asi iyo inonyanya kukosha here? Kunyange zvazvo kurapwa kwekenza kunogona kuuya nezvimwe zvikwereti zvezvokurapa zvezvokurapa, iwe ungada kubvisa pakubvisa chirwere cheshuwarisi chehutano.
Chikonzero chacho? Muzviitiko zvakawanda, hutano hwehutano hwehutano hwehutano hunovhara mari yekurapa inobatana nekenza kurapa Kana iwe uri kunetseka kunogona kurapa kunodhura, kufanana nekurapa kenza, kuchisiya iwe nekunze kwemahomwe mari apo iwe unosvika muupenyu hwese hwekuvhara kwemazuva, chengorora ikozvino kugoverwa kuti uone kuti mutemo unobhadhara chii.
Chimwe chikonzero chinotyisa cheshuwarisi yemishonga inogona kunge iri kuparadza kwemari ndeyekuti inishuwarenzi yekenza haina kunyanya kuvhara kenza yeganda, rudzi runotungamirira kenza. Kwete izvozvo bedzi, asi inshuwarisi yekenza kazhinji haifaniri kurega kunze kwekubhadhara mari inoenderana nekenza kurapwa. Uye, pane nguva dzose unogona kuti iwe usati uwane kenza zvachose. Mune izvo zvinoratidzika, iwe unofanirwa kubvunza chaizvoizvo zvauri kuripa nemhando idzi dzemitemo.
Kunze kwekuti inshurensi yako yehutano zvakanyanya haifaniri kubhadhara mari inokonzerwa nekenza kana iwe une mikana yakawanda yekuwana rudzi rwemhando yekenza inogona kuvharwa nehutungamiri, iwe unowedzera kutyora mari pamutambo unogona kushandisa kune imwe nzvimbo. Uye mune dzimwe nguva, nheyo yako yepamusoro yezvokurapa ingasakufukidza iwe kana iwe uchiwedzera kubhadhara kune dzimwe nzvimbo kune mamwe maitiro ekurapa. Sezvo nemhando ipi zvayo ye inshuwarisi, iva nechokwadi chokuti unonzwisisa zvikomborero uye zvikanganiso usati watenga mutemo.