Komisheni Inotsigirwa Nehupenyu Hwemutanisi Inishuwarenzi - Heino Zvamunofanira Kuziva
Heino zese ruzivo rwaunoda kuziva kuti rukubatsire kuziva kuti munhu anokutengesa hupenyu hweinishuwarenzi yehupenyu huri hupi, uye mazano mashomanana ekukubatsira kuti unzwisise zvaunosarudza pazvinosvika pakusarudza ndiani angatenga inshuwarano yehupenyu hwako kubva.
IUpenyu hweInishuwarenzi Hurepi Inobhadharwa neKomisheni kana Mubhadharo?
Vanhu vane mvumo yekutengesa inshurensi yehupenyu vanogona kuchengetedza nzvimbo dzakasiyana-siyana uye zvibvumirano zvemari zvinokonzera mari yavanoita.
Upenyu hwe inshuwarisi hwehupenyu hunowanzopa mureza anopa mvumo kubva kubato uye dzimwe nguva mubhadharo kana vashandi vashandi. Vanhu vazhinji vanotengesa inshuwarisi yehupenyu pane kontineni saka iyo inogona kuva ndiyo inotangira mari yekuwana mari. Tinopinda munhoroondo uye nhamba chaiyo pasi apa.
7 Zviitiko Zvinokurudzira Mari Yakawanda Sei A Life Insurance Agent kana Broker Anoita
- ukuru hwevabereki vavo
- kuti mangani emakambani avanoshanda nawo (kutapwa chete kushanda neine inshuwarisi mutakuri vs. non-captive)
- makore avo ane ruzivo
- pasinei ivo vane mvumo yekutengesa mumapoka akasiyana (Personal Financial Advisor vs. Vhupenyu VeAnsurance Agent vs Broker)
- izvo zvibvumirano zvavanobhadhara nazvo ndeyekambani ye inshuwarisi
- izvo zvibvumirano zvavo zvekubhadhara zvibvumirano ndezvavanoshandira, kana kana vakazvimirira
- Kana vane mari yekubhadhara kubva kumitemo yakadai sokubhadhara, vashandi uye zvigadzirwa
Zvimwe zvinhu zvinogona kukanganisa mari yakawanda yavanoita purogiramu yako, asi izvi zvinokupa pfungwa yezvikonzero nei mumwe munhu angaita zvakaderera pane imwe.
IUpenyu hweInishuwarenzi Hurumende Inobata Mari Yako Yehupenyu Inishuwarenzi?
Inishuwarenzi yehupenyu inokwikwidzana zvikuru, uye zvakakosha kufunga pamusoro pemhando yese yekutengesa, pane dzimwe nguva dzakawanda dzisina kutengeswa, dzakarambwa nekuda kwekukundikana kuongororwa kwechiremba, kana zvimwe zvikonzero. Makambani einishuwarenzi yehupenyu anonzwisisa izvi, naizvozvo kana kutengeswa kwatorwa komisheni inogona kuonekwa seyopamusoro nekuda kwekuti mufananidzo unofanirwa kuverenga izvi.
Iko yehutano yehushandi yemishandiro yako yega yega haina kuchinja maererano nekutumwa. Komisheni ndiyo chikamu chepamberi iyo kambani yeinishuwarenzi inopa mumiririri wekutengeserana, uye zvekupa rubatsiro rwakanaka rwevatengi kuchengetedza mutengi kuburikidza nemakore akawanda.
Muenzaniso wekuti maAgent akasiyana sei kana Upenyu hweUshuwarenzi Vamiririri Vanogona Kubhadharwa
Vamwe vamiririri vehushuwarisi hwehupenyu vanogona kushanda senhengo kune imwe kambani kana vazhinji vanosimbisa iyo nyanzvi yekubhadhara pamutemo, vanhu ava vanogona kugamuchira mubhadharo wepasi, uye vanotarisirwa kuunza zvakawanda zvekuwana mari kubva kumitambo.
Mimwe mienzaniso yekubhadhara inogona kusanganisira mibairo yakakwirira, uye vashoma kutumirwa mazana nekuda kwegadziriro yavakaita mubvumirano yavo yebasa.
Kana ivo vakazvimiririra, vangave vaita zvose zvekutumirwa kubva kutengeswa, zvisinei, kana vakashanda nesimba, vanogona kunge vane chibvumirano chinoita kuti varege kugamuchira hurumende yose nekuda kwechokwadi ivo vakabvumirana kune mubhadharo panzvimbo.
Sezvo iwe uchigona kuona mhinduro yekuti munhu anoita zvakadini pavanokutengesa iwe inshuwarisi yehupenyu haisi yakananga. Zvisinei, nemashoko akakodzera nemibvunzo, unogona kuwana.
Avhareji Murairi Kwevashandi VeInishuwarenzi
Paunenge uchiedza uye ukawana muvhareji wemari yemuishuwarisi wehupenyu hwehupenyu, nekuda kwezvinhu zviri pamusoro, zvakaoma kutaura. Maererano neBhood of Labor Statisics, iyo yepamutemo inobhadhara "inshuwarisi yekutengesa vashandi" inokwana $ 49,990 pagore kana $ 24.03 paawa seyodha data yakabva muna 2016.
Ramba uchifunga kuti izvi zvinotsanangura mutengesi wekutengesa, uye inosanganisira data kubva kune inshuwarisi yose, kwete inshuwarisi yehupenyu chete.
Nemhaka yezvifananidzi zvinorondedzerwa pamusoro apa ("commission rinorema" kana "mari inorema") nhamba iyi inowirirana zvikuru, uye nokuti inenge iri miviri, haisi kukuratidza iwe mugumo wakareba wevanowedzera masangano, kana avo vanotengesa mitemo yakakosha .
Kana iwe ukatarisa mubhadharo wepakati pemunhu weMunhu weZvine Mari, uyo angatengesa inshuwarano yehupenyu, nhamba yacho yakawedzera kaviri, $ 90,530 pagore $ 43.53 paawa.
Marudzi eUpenyu Insurance uye Commission Rates
Kune marudzi akasiyana-siyana emishuwarenzi yehupenyu. Mhando yemishuwarenzi yehupenyu ichaitawo huwandu hwehuwandu hwemari huchabhadhara mukutumirwa. Imwe mitemo yakareba kwenguva refu inowanzobhadhara zvakanyanya pamutemo.
Iyo miviri mikuru yemitemo ndiyo upenyu hwehupenyu uye hupenyu hwose kana mitemo yemari-inokosha , inozivikanwawo sehupenyu hwehupenyu hwose . Izvi zvinosanganisira kuponesa upenyu hwe inshuwarisi yemitemo zvakare.
Inishuwarenzi yemazuva inogumira kwekanguva "nguva" kana nguva, zvakadai sa 5,10, 20 kana makore makumi matatu. Inishuwarenzi yose yehupenyu inotora hupenyu hwako hwose uye inogona kuwedzera mari inokosha pane nguva . uye kupa mukana wekukwereta mari kubva kune inshuwarisi yehupenyu hwako .
Ndezvipi Zvine Basa Rinowanikwa Muhutano Wema Inshuwarisi?
- Mahofisi ako anokwanisa kusiyana zvichienderana nehutano hwehushuwarisi hwehupenyu hwaunosarudza.
- Kambani imwe neimwe yakasiyana, asi vashandi ve inshuwarano yehupenyu vanogona kuita 30 kusvika ku70 muzana mumitambo yegore rokutanga premium pamushuwarenzi weupenyu. Vatori vepamusoro vakakurumbira vanogona kutowana 100% yemari yepayimusi yakazara mugore rokutanga sekutumirwa uye 5% mutungamiri kubva wechipiri kusvika mugore rechina. Mushure megore gore makomisheni anogona kumira kana kuti angave akaderera. Nhamba yemutero wakabhadharwa ichasiyana maererano nesungano iyo mujeri ane kambani ye inshuwarisi kana nevanoshandira (kana vasina kubvumirana nevashandi).
- Mishonga yema inshuwarisi yehupenyu hurumende inotora zvingatora mukutaridzirwa kwekuvandudzwa kana kana muchengeti anochengetedza purogiramu pane nguva, somuenzaniso, kana mutengi achikwanisa kupedza mutemo mukati memakore mashomanana okutanga, mamwe makambani anogona kutengesa komisheni kudzokera kumugadziri.
- Vamwe vashandi vehushuwarisi hwehupenyu vanogonawo kuwana imwe nguva yenguva yekutumira pamusoro pegore rekutanga rokutanga kutora inshuwarisi itsva yehupenyu hwe inshuwarisi.
Iwe Unobhadhara Zvakawanda Nokuda Kwehutano Inishuwarenzi Kana Iwe Uchitenga Kubva kune Broker vs. Vhidhiyo yeInishuwarenzi Zvakananga kana Murenge?
Mune mienzaniso yose, sarudzo yekubhadhara yemari inoshandura inoenderana nemamiriro ezvinhu, saka iwe haufaniri kunge uchibhadhara mari ye inshuwarisi yehupenyu kana iwe uchienda kuburikidza nemukwereti neanoriti kana kutungamira nomutakuri. Makomisheni avanowana anowanzogadziriswa kuitira mamiriro uye zvibvumirano zvavakasaina.
Zvose zvinoenderana nekambani yekambani yeinishuwarenzi iri kupa kugovera kunonyatsokodzera mamiriro ako ezvinhu. Mabhengi anowanzoita kuti iwe uwane zvinyorwa nemakambani akawanda kuti akupe mukana wekuenzanisa zvingasarudzwa. Paunenge uchifamba nomutakuri wacho zvakananga, ivo vachakupai chete zvigadzirwa zvavo. Kana iwe uchinetseka pamusoro pemari yekuwedzera, kumbira munhu wacho kuti akudzore iwe kana pane chero mari yakawedzerwa yebasa rekushandira uye uchitengesa zvakapoteredza zvaunogona kuita.
Kunetseka Nezvemakomisheni paNew Life Upenyu hweInishuwarenzi
Basa rimwe chete-nguva pamusoro pemisangano yakarehwa yakabhadharwa yekutanga inshuwarisi yehupenyu hutsva yakange iri chikonzero chekufungidzira mune imwe shizha dzimwe nguva.
Ichi ndicho chikonzero chimwe chinokosha kuti usati washandura inshuwarisi yehupenyu, iwe unoda kugara uchichenjerera kuti uri kuwana mazano akanaka. Iwe unogona kuverenga zvakanyanya pamusoro pekufungisisa uku munyaya yedu pamusoro pezvaunoda kuziva usati wachinja inshuwarisi yehupenyu , kana zvimwe zvakabatana zvakabudisa nyaya ino nezvekutora kuongororwa kwechiremba paunowana hutano hutsva hwe inshuwarisi yehupenyu .
Iko Upenyu Hwako Inishuwarenzi Agara Anokutengesa Chinhu Chikonzero Chekuti Vanoda Kuita Mari Yakawanda?
Pakupera kwezuva, kuti munhu anokutengesa iwe hurongwa hupi hungave wakatsauka pane zvavakabvumirana sechibvumirano chekubhadhara. Vanhu vaviri pasi pemitemo miviri yakasiyana-siyana yekubhadhara zvibvumirano zvinokutengesa iwe sangano rimwe chete rinogona kufamba nemari yakasiyana-siyana semugumisiro.
Zvichida iwe unoda kuziva kana iwe uchibvunza mubvunzo wekuti mari yakawanda yehupenyu hweinishuwarenzi yemumiririri wako kana kuti wezvigadziro zvemari yako uri kubudisa kubva kutengesa ingave yakawanda pamusoro pekuti unofanira kuvimba navo kuti vakupe mazano akanaka, kana chikonzero che "kutengesa".
Kunetseka Nehupenyu Hwemushandi WeInishuwarenzi Muteveri Anokutengesa Chinhu Chinobva Pasi Chero Basa Ravari Kuita?
Mutengi we inshuwarisi yehupenyu kana mutengesi kana mumwe anoronga mari haafaniri kutokutengesa chimwe chinhu kuti uzvibatsire. Hongu, vanofanira kuita zvoupenyu, asi chimwe chinhu chemashoko akanaka ndechokuti kutengeswa kwe inshuwarisi yehupenyu kunotungamirirwa. Mukutengesa kutengesa inshuwarano yehupenyu inofanirwa kubvumirwa nehurumende yavavari kuita.
Mutoro wechuwarhu yehupenyu hwehupenyu ndekukupa zvinhu zvinogadzirisa zvido zvako, saka kunyange inshurensi yehupenyu inogona kubatsira kune munhu anotengesa inshuwarisi yehupenyu (sekunge chero basa), mumiririri anofanira kunge achikupa iwe michero kuti uzadze zvaunoda , kwete zvimedu zvavo. Vanofanirawo kukwanisa kukurukura matanho ehutano ehupenyu hwehupenyu hwehutano uye rondedzera zvakanakira kana kusagadzikana kutarisa paunenge uri muupenyu hwako.
Kana iwe uchinzwa uchingoshandiswa pfupi pane mazano awakagamuchira, kana kuti mubvunze kana mutengi wako arikutengesa iwe chimwe chinhu nechinangwa chekuda, iwe unogona kugara uchitaura nehurumende inshuwarisi commissioner ehurumende yako kuti utaure zvaunoshushikana kana kuti utaure nevamwe vashandi kana vadzidzisi vezvemari ndiani anogona kukupa mazano avo uye iwe unogona kuenzanisa zvaunogona kuita.
Iwe unofanirwa kugara uchinzwa wakasununguka nemunhu anokutengesa iwe inshuwarisi yehupenyu uye usambonzwa uchinetseka kutenga chimwe chinhu chausingazivi.
Nzira Yokuwana Nayo Muhupenyu Hwehupenyu HweInishuwarenzi Mutevedzeri kana Mutarisiri Wemari Pamwe Uri Kuita Kuita Iwe
Dzimwe nguva nzira yakajeka yekuziva kuti yakawanda yehupenyu hweinishuwarenzi yehupenyu iri kuitei ndekukumbira. Sangano reNational Association of Personal Financial Advisors rinopa mazano makuru ekutsvaga mumiririri akanaka. Heano mamwe emibvunzo yavanokurudzira kubvunza usati wasarudza iwe pachake wezvemari kuti akubatsire:
- Unobhadhara sei?
- Unobvuma here kutumira mari?
- Unogona here kuti uite mitemo yauchawana kubva pane zvigadzirwa zvaunondipa?
Mamiriro ezvinhu ose akasiyana. Kambani yveshuwarisi yehupenyu yese yakasiyana. Zvose, kunyange zvazvo zvichifadza kuziva kuti kutumirwa kwakadini kuri kubhadhara inshuwarisi yehupenyu hwako, iwe unodawo kufunga:
- kutora nguva yakadini iyo munhu apedza newe achiziva kuziva zvaunoda
- varikukupai tsanangudzo dzakanaka dzezvaunosarudza
- inshuwarisi yehupenyu yekutengesa hairi kudzokororwa kazhinji, inofanirwa kutora mutemo ingaratidzika yakakwirira
- kana munhu wauri kutenga kubva kumabasa semushandi, vangave vasina kuwana basa rakakwana, vangave vachichiparadzanisa nechokusimba, kana kutora mubhadharo panzvimbo pemakomisheni, zvichireva kuti kunyange zvazvo komisheni iri kubhadharwa, havakwanisi 't chaizvo kuzviona ...
Chinhu chakanakisisa chaungaita ndechekutaura newadhiri wako kana wePancial Planner pamusoro pezvakanakisisa pamamiriro ako ezvinhu, uye kana ukazvibvunza mubvunzo kana vachikutengesa chimwe chinhu kungoita mari, zvingava pfungwa yakanaka yekutenga kumativi ose uye kuwana mamwe maitiro asati aita chisarudzo. Iko mari yako uye inshuwarisi yehupenyu hwako, sei uchibata nemumwe munhu wausingavimbi?
Dzidza nezvekupa mari mari .