Mamiriro Akanaka Kana Akaipa?
Chengetedza inshuwarisi yehupenyu hwako kuti uone kana iri kusanganisira kupa mari.
Unogona Kukwereta Mari Kubva Muhupenyu Hwokuchengetedzwa Kwemishuwarenzi?
Mari yehupfenyuro yehupfumi inoshandiswa seyo term insurance inshupenyu haina kukubvumira kubhadhara mari kubva pamutemo. Chikonzero chekuti inshuwarisi yehupenyu inotorwa kuti inotengeswa kana inotengeswa, ndeyokuti ndiyo inishuwarenzi yehupenyu hwehupenyu hwehupenyu, haina humwe humwe huripo kunze kweicho chaiyo rufu inobhadhara pairi kufa kwea inshuwarheni, kana munhu akachengetwa anofa panguva yakatarwa.
Nheyo dzekubhadhara kubva muupenyu hwako Inishuwarenzi
Kana uri kufunga nezvekukwereta kubva kune inshuwarisi yehupenyu hwako, zvichida wakatengeswa mutemo wakapa mari inokosha uye wakashandisa izvi sechikamu cherongwa hwako pakusarudza kuti rudzi rwehushandi hwehupenyu huri nani kwauri . Chinhu chokutanga chaunofanira kuita kana uri kufunga kubhadhara mari kana kubvisa mari kubva kune inshuwarisi yehupenyu hwako kusarudza kana zvine musoro mumamiriro ako ezvinhu.
Iwe usati waita chikwereti, bvunza sendimi yako kana mumiririri kuti atange "mu-inomirira mufananidzo." Mufananidzo we-in-force uchakuratidza iwe kuti chikwereti chako chichaita sei purogiramu yako. Uyewo, tsvaga zvimwe zvingasarudzwa uye uone zvinobudirira nekunzwa kwokukwereta kubva mumagariro ako.
Kukwereta Kubva Muhupenyu Inishuwarenzi Inoshanda Sei?
Paunokweretesa zvichienderana nemari yemari ye inshuwarisi yehupenyu hwako, iwe uri kukwereta mari kubva ku inshuwarisi yehupenyu.
Mari yechikwereti kubva kumakambani enyu einishuwarenzi zvakanyanya nyore kuwana kupfuura chikwereti chebhangi nokuti vari kushandisa mari yehuwandu yemutemo wenyu sekutora mari. Kana iwe usingabhadhara chikwereti, ivo vachachibvisa kubva pamari yekambani yako kana kuti kufa kwako kubatsirwa. Imwe yezvinetso zvakakosha izvi ndeyokuti kana chikwereti chisina kubhadharwa zvakare, uye iwe usabhadhara chikwereti, ipapo kufarira kuchawedzera uye kuwedzerwa kune chikwereti chako chekukweretesa, uye kunogona kupedzisa kudarika kuwedzerwa kwemari. Kukwereta kubva kuhushandiro yveshuwarenzi yehupenyu kunoda kuchenjerera kuronga uye kuongororwa kwemari yako yemari uye mari yekutengesa kana iwe unogona kuisa pangozi yekurasa mutemo wako. Apa ndipo apo mu-mufananidzo mufananidzo uchauya zvakanaka.
Ungakwereta Ndini Kubva Muupenyu Hwako Inishuwarenzi?
Iwe unogona kukwereta kana kutora mari kubva kune inshuwarisi yehupenyu hwako mushure mokunge wavaka kukosha kwemari . Iwe unofanirwa kutaurirana nemari wako wezvemari kana kuti mupiridzi wehutano, kana mumiririri weu inshuwarisi yehupenyu kuti uone kuti mari yako ndeyei uye kuti ukurukure kuti chii chichava pamutemo wako pamwe chete kana kana kuve nemutero unorehwa.
Pane zvinhu zvakasiyana-siyana zvaunoda kufungisisa usati wanyora kana kuvhara inshuwarisi yehupenyu , kukwereta kana kuti kutora mari.
Iwe Unofanirwa Kubhadhara Mari Yakakwereta Paunokwereta Kubva Pahupenyu Hwako Inishuwarenzi?
Kusiyana nezvikwereti zvebhangi kana zvikwereti zvemari, haufaniri kubhadhara chikwereti chaunotora kana uchikwereta kubva kune inshuwarisi yeupenyu husingaperi. Zvisinei, kana iwe ukwereta mari zvichienderana nemari yako, mari yaunokwereta inogona kuderedza kufa kwebato kubva kune inishuwarenzi yeupenyu yehutano hwako. Kana iwe usingabhadhara chikwereti kumashure uye kufarira pamwe chete nemari yakakweretwa inotanga kupfuudza mari yemari, unogona kuisa inshuwarisi yehupenyu hwako pangozi. Izvi zvinogona kuitika nokukurumidza kupfuura iwe unofunga.
5 Zvinhu zvekutarisa Musati Makwereta Kubva Muhupenyu hweInishuwarenzi
Usati watora chikwereti chemishuwarenzi yehupenyu, unoda kuva nehurukuro yakakomba nemari yako yezvemari kana bhuwarisi mubatsiri kuti unzwisise migumisiro yenguva refu uye yenguva pfupi nematambudziko.
Pane zvakawanda zvakavanzwa mari iyo iwe usati waona, uye iwe unoda kuve nechokwadi kuti ichi ndicho chakanakisisa iwe.
- Kurukurai kuti chikwereti uye kufarira zvinokanganisa sei inshuwarano yehupenyu hwako kuti uone kuti rufu rwebatsiro rwekufa rwehuwandu hwematongerwo enyika haruna kutyisidzirwa.
- Tsvaga kana iwe uchizofanira kubhadhara "mukana wekutora"
- Iva nechokwadi chokuti unogona kubhadhara chikwereti nezvimwe zvikwereti kana kuongorora sarudzo yakabva pane yako yairo inoda kuti iwe iite. Haasi mitemo yose yakafanana uye mamiriro ese evanhu akasiyana.
- Kana iwe usingakwanisi kubhadhara chikwereti pane chikwereti chako, funga kaviri. Mufananidzo we-in-force uchakubatsira iwe kunzwisisa izvi.
- Kana uri kuvimba pane zvikamu zvepurogiramu yako yekubhadhara chikwereti pane chikwereti, ona kutarisa kwechokwadi nemashoko ako nemumiririri wako kana mutariri wezvemari. Izvi zvinogona kudhura kana zvisina kurongwa zvakanaka.
Zvose izvi nyaya dzinofanira kuuya apo iwe unotarisa mufananidzo-wekumanikidziro wezvawakabhadhara chikwereti chako nemushandi wako kana mutungamiri.
Zvikonzero Zvokukwereta Kubva Muhupenyu hweInishuwarenzi Mutemo neBanki
Vamwe vanhu vakatenga inshurensi yehupenyu nemitemo chaiyo yekuvaka zvinhu kuitira kuti mushure mehupenyu vagone kukwereta kubva kune inshuwarisi yehupenyu hwavo kana kushandisa mari iyo inoda.
- Vamwe vanhu vanokwereta kubva kune inshuwarisi yehupenyu hwavo kuti varege kutambudzwa kwechikwereti kubva kubhangi. Kana iwe uine chinangwa chekuripira chikwereti nenguva yakawanda, uye kuchengetedza pamwe nemari yekufarira kuitira kuti varege kuunganidza, zvino izvi zvinogona kunge zvisingabhadhari kusarudzwa.
- Kukwereta kubva kune inshuwarisi yehupenyu hwako kunobvumira kushanduka kwakawanda mukubhadhara. Somuenzaniso, kana ukweretesa kubva kubhangi, iwe unobhadhara mwedzi pamwedzi kuti uite pane imwe nguva yakatarwa, asi kana ukwereta kubva kune inshuwarisi yehupenyu hwako, unogona kuripa zvishoma kana zvakawanda sezvaunoda chero nguva ipi zvayo. Zvakare, unofanirwa kuchenjerera kuti izvi zvinokonzera sei kukosha kwemari yako, kurwisana nemari yako mari sezvainofarira, asi kana iwe uchida chikwereti kwenguva pfupi, izvi zvinogona kukubatsira kubhadhara mari nekuripazve mazwi.
- Kana mari yauri kukwereta inonyanya kudarika mari yako yakakosha uye iwe unoronga uye nzira dzokubhadhara chikwereti uye kukoshesa kwenguva yakawanda (yako inshuwarisi yehupenyu inogona kukubatsira kuti uzvione izvi), uchikwereta kubva pane yako hurumende ichava sarudzo yakanaka kwauri.
Iwe unogona kukwereta kubva kune mari inokosha yekusagadzikana kwehurongwa, asi usati wanyatsoita kuti wakagadzirira kutarisira mutengesi zvakanaka nekuve nekukurukurirana kwakakwana nemurongwa wako.
Cherechedza Chinangwa Chaicho Chokwereta Kubva Muhupenyu Hwako Inishuwarenzi
Takakupa ruzivo rwezvinhu zvekutsvaga kana iwe uchifunga kubhadhara kubva mumutemo wako, ruzivo urwu runogona kushandiswa sekutanga kutanga kukurukura sarudzo pamwe nemudzidzisi wako ane mvumo kana mumiririri uye kuita sarudzo yakagadziriswa. Pane nzira dzakanakisisa dzekutora chikwereti kubva kune inishuwarenzi yehupenyu hwako inogona kupa zvikomborero zvakanaka, asi kunewo njodzi kana isina kuitwa nekuchenjerera kuronga.
Muenzaniso wekuti kubhadhara mari yako inshuwarisi yeupenyu kunogona kuva dambudziko sei, kunyanya kana uri kukwereta mari nokuti uri kuwana nguva yakaoma yemari, ndeyokuti mari yako inokosha muupenyu hwehupenyu hwako inodzivirirwa kubva kune vane chikwereti, asi chikwereti kubva kune inshuwarano yehupenyu hwako mutemo unonzi mari, saka izvi hazvisisiri kudzivirirwa kubva kune vane chikwereti.
Chinhu chekupedzisira chaunoda ndechokutora chikwereti pasina kuva nemufananidzo mukuru. Chinonyanya kukosha kwauri kuti uchengete mupfungwa ndechekuti izvi hazvisi zvakafanana nekukwevera mari kubva mubhuku rekuchengetedza, iko kushandiswa kwakaoma uye unoda kuve nechokwadi kuti unonyatsonzwisisa.
Mienzaniso yekukwereta mari kubva muupenyu hweInishuwarenzi
Jane akanga ari kubhadhara inshuwarisi yehupenyu hwake hwose kubva paaiva nemakore makumi maviri nemasere. Pamakore makumi mana ekuberekwa kwake, akasarudza kuti aida kuzvizvitengera chikepe chakanga chagara achirota sechipo kwaari uye achishandisa nguva yakawanda pamusoro pemvura nevana kuti zhizha risati rava kuyaruka uye vakabatikana zvikuru kuti vasatora nguva yekushandisa nemhuri.
Akanga achiri kubhadhara imba yake, saka akanga asingadi kutora chikwereti chakawedzerwa, saka akasarudza kushandisa zvimwe zvekuchengetedza kwake, uye akwereta mari inosvika $ 20,000 yaaida kubva pamari yehutano inshuwarisi yehupenyu hwake.
Paakadana kuti awane chikwereti uye akakurukura migumisiro nemudzidzisi wake wezvemari, akawana kuti aigona kukwereta mari, asi kuti mari yacho inogona kuderedza kuwanda kwekufa kwake kubatsirwa. Izvi zvingareva kuti kana chimwe chinhu chikaitika kwaari uye iye akafa, mhuri yake ingangowana rufu rwekufa, kudarika chikwereti chechikwereti kana asina kubhadhara. Izvozvo hazvina kumubvundisa zvakanyanya, asi ipapo mutungamiri wake wezvemari akaenderera mberi kutsanangura kuti kunyange zvazvo asina kubhadhara chikwereti, anogona kuguma achibhadhara chikwereti, uye kuwedzera chido. Pavakashanda zvinhu zvose, Jane akasarudza chikwereti chechikepe chacho zvichida yakanga isiri iyo yakashandiswa zvakanakisisa yaakawana mari yakakosha, uye akasarudza kubvarura chikepe pane nzvimbo, uye kwete pangozi kubhadhara mari yose uye chikwata chechikwata kana kuisa pangozi yake mutemo nguva refu.
Muenzaniso wekubhadhara kubva kuUpenyu hweInishuwarenzi Mutemo wekutanga Bhizinesi
Jane anosarudza kuti anoda kutora mari kubva kune inshuwarisi yehupenyu hwake kutanga bhizinesi rake. Haana kumboita bhizinesi kare, saka anonetseka nezvekukwereta kubva kubhangi. Iyewo haadi kuti ave nechimwe chikwereti pamushumo wake wechikwereti. Nemhaka yokuti Jane atoita mamwe mapeji ekutsvakurudza uye ane zvimwe zvaanoda kumubatsiro wake, iye anofunga kuti anogona kukwanisa kubhadhara chikwereti cheshuwarisi yehupenyu mukati memakore maviri. Kukwereta mari sekutsvaga mari mukati make uye bhizimisi remangwana rinonzwisisika, saka anotora chikwereti.