Dzimwe nguva vanhu vanokanganisa kutaura kuti ndiyo inshuwarisi yavo yokutanga nokuti havaoni kukosha kwekuratidza kuti vaine inshuwarisi kare. Kuratidza nhepfenyuro yako yveshuwarisi nguva dzose inokosha. Tsamba Inosangana Nayo, kana Tsamba yeZviitiko Zvokudaidza ingakubatsira iwe kuratidzira inshuwarisi yako yakaitika apo iwe uri kutsvaga inshuwarisi itsva kuburikidza nekambani mutsva kana paunotamira kune imwe nyika itsva. Heano mamwe mazano anowanzobvunzwa pamusoro pebhuku rezviitiko uye kana iri pfungwa yakanaka yekuwana imwe kuchengetedza mari painishuwarenzi yako .
Chii Chinyorwa Chekuziva KweInishuwarenzi?
Tsanangudzo yeTsamba yeZviitiko yehushuwarisi, inozivikanwawo seInsurance Experience Letter kana Inishuwarenzi Inosanganisira History History ibhuku rinonyorwa nekambani yeinishuwarenzi iyo yakakuvimbisa iwe, inotaura kuti rekodi yako yaiva navo seye inshuwarheni. Tsamba yezviitiko zvinowanzozivikanwa nemamwe makambani einishuwarenzi sewe tsamba yekutsvaga kuisa chiitiko chako chemhosva uye kwenguva yakadini iwe wakachengeta inshuwarisi.
Iyi tsamba yezviitiko ndeye yekare yekambani yveshuwarisi nzira ye "vouching" kwauri kune makambani matsva einishuwarenzi asingazivi iwe. Kuva netsamba yeruzivo kunogona kukupa zvikwereti zvezvikwereti zvisingabhadharwi zvinyorwa, kana kuti zvakanaka kutamba marekete pane dzimwe nguva apo dzimwe nzira dzekuongorora inshuwarheni yako yekare hazvigoni.
Ndeapi Mashoko Akabatanidzwa Mu Tsamba Yezvakaitika?
Tsamba yezvakaitika inowanzova nehuwandu hunotevera:
- Tsanangudzo yezvakave zvakachengetwa, somuenzaniso, kana iwe uchitsigira imba, ichareva kero ye "ngozi" yechipupuriro. Nekutengesa motokari, inogona kutaura motokari uye seri seri nhamba.
- Ndiani ainzi anishuwarenzi. Semuenzaniso, iyo inonyora munhu ane zita raive painishuwarenzi, iyo inowanzova muridzi akanyorwa weimba kana motokari. Mumamiriro ezvinhu apo pane dzimwe dzakawanda dzinonzi insureds, semuenzaniso mumotokisi yemotokari ine vatyairi vakawanda, inogona kuisanganisira zvakare. Kana mutemo wepamba wakabatanidza mamwe mazita anonzi bhizinesi mune zvikamu zvakanakira, unogona kukumbira tsamba yezviitiko kwavari zvakare.
- Iyo nguva iyo kambani ye inshuwarisi yakakupikira iwe, saka kazhinji inenge iine zuva rinobudirira uye zuva rokupedzisira re inshuwarisi.
- Zvimwe zvikwereti zvakabhadharwa munguva yehushuwarenzi nemashoko ekukonzera kwekutsvaga, uye yakawanda yakabhadharwa. Kana pakanga pasina nyaya, saka inofanira kureva "kwakanga kusina zvikwereti zvakabhadharwa panguva". Kana paine zvirevo zvevatyairi vakasiyana-siyana, inofanira kureva ruzivo rwemufambisi. Iwe unogona kukumbira tsamba yezvakaitika chiitiko kune mumwe munhu.
- Inogona kusanganisira mashoko pamusoro pekuti nei hurongwa hwako hwapera. Kana yakabhadharwa pasina kubhadhara , kana kana iwe uine chikwereti chemari yepayimisi yako yerinishuwarenzi, izvi zvinogona kuratidza.
Kambani imwe neimwe ye inshuwarisi ine nzira dzakasiyana dzekuzadza iyo ruzivo, asi kazhinji, zvinyorwa ndezviya zvakanyorwa pamusoro apa.
Ndiani Anoda Tsamba Yechiitiko?
Chikonzero chinonyanya kukosha vanhu vanoda tsamba yekuziva ndeyekuti:
- ivo vari kuenda kune imwe nyika itsva
- vave vasina inshuwarisi kwenguva yezvikonzero zvakasiyana-siyana
- zvinoda kuratidza zvinyorwa zvinyorwa
- munhu haasi iye ainyanya kuvimbiswa nehutano hwepurasita (yakadai sevana, vadzidzi vekoroji, vagari vemo, avo vachangobva kuparadzana) -vangave vakaiswa inshuwo kune imwe nzvimbo, kwete sepakutanga.
Sei Uchifanira Kuwana Tsamba Yemainishuwarenzi?
Mu inshuwarisi, inshuwarisi yokutanga inowanzova nengozi nekuti hapana munhu ane ruzivo newe se "inshuwarisi".
Semuenzaniso, ndicho chikonzero kune vane renster inshuwarisi usati wazvitenga yako yekutanga inshuwarisi inogona kukuchengetedza mari kwenguva refu.
Apo iwe unogona kuratidza nhoroondo yekuva inshuwarisi, inoratidza nhoroondo yako yekutaura uye kuti "wakashandisa sei" inshuwarisi yako. Zvimwe zviduku zviduku zvingaita kuti vanyori vekuongorora vaone faira yako zvakasiyana, uye kukuona iwe usina zvawakataura zvinowanzoita kuti iwe uwedzere.
Ko Inishuwarenzi Yese Inoshuva Tsamba Yemazivo Here?
Vose makambani einishuwarenzi haadi mutsara wezviitiko. Kana iwe usingazivi, bvunza kambani yako kana tsamba yezvakaitika zviitiko kana nhoroondo ye inshuwarisi ingabatsira. Zvinowanzoitika mumamiriro ezvinhu apo vanhu vanozviisa ivo pachavo kana apo vanhu vanoenda kune imwe nyika itsva iyo makambani einishuwarenzi asingakwanisi kuwana maInishuwarensi yemainishuwarenzi.
"Ndine Tsamba Yezvakaitika, Asi Haana Kuita"
Zvichienderana nekuti sei kambani yenyu yveshuwarenzi inotarisa mitengo, ruzivo rwetsamba yako rwechiitiko runogona kana kuti rusingakupi kukuraira kwauri kutarisira. Muenzaniso wakanaka kana iwe ukakumbira tsamba yezviitiko uye inoratidza kuti wakachengetwa kwemwedzi gumi nemasere pakumirira. Inonzwa zvakanaka zvakanaka? Zvinosuruvarisa, kunyange zvazvo zvingakubatsira kuti uwane zvidzidzo nokukurumidza, kana kambani ye inshuwarisi iwe uri kuzvidzivirira iwe chete inopa kudai-kusununguka kusunungurwa mushure memakore matatu, saka iwe haungatore chikwereti kune rimwe gore nehafu. Dzidza zvakawanda pano pamusoro pezvinoita kuti kambani yveshuwarisi ive yakasiyana uye kuti ungawana sei yakanakisisa iwe.
Nzira Yokuwana Tsamba YeZviitiko
Kuwana tsamba yezviitiko zvakanaka kwazvo. Zvose zvaunoda kuita kuti uwane tsamba yekuziva ndeyokubvunza bhizinesi rako re inshuwarisi.
Kana iwe usina kutora bhizimisi kwemakore mashomanana, iwe unogona kudana kambani yako yekupedzisira yunivhesiti uye uvakumbire kuti vatumire iwe imwe.