Makambani eInishuwarenzi anotora nzira yekugadzirisa iyo inobatsira kukudzivirira
Kuvandudza - pamberi pekambani yeinishuwarenzi
Pamberi pekambani yeInishuwarensi bankruptcy, kambani ye inshuwarisi ichapfuura nepurogiramu inonzi rehabilitation inotarisirwa nemitemo yehurumende iyo inishuwarenzi yehurumende ichaita zvose zvinoedza kubatsira iyo kambani kuwedzerazve maranho emari.
Kana zvakatemwa kuti kambani haikwanise kugadziriswa ipapo kambani inonzi yakasvibiswa, kana yakashata, uye dare rinorayira kubudiswa kwekambani.
Guaranty Association inotora mukana wekambani yeinishuwarensi bankruptcy
Apo kambani yemishuwarenzi inoenda kuburikidza ne bankruptcy inshupfumi inopfuurira ichaenderera mberi uye mazano ezvematongerwo enyika achavharwa uye anobhadharwa nesangano rehurumende inshuwarisi guaranty, zvichienderana nehurumende imwe neimwe inotarisirwa. Nhamba yakajeka yekuvhara mari inowanzosiyana kubva ku $ 100,000- $ 500,000 muzvikwereti, asi iwe unoda kutarisa nehurumende yuniviti guaranty musangano kuti uone kuti zviyero zvakafukidzwa kune zvipi zvezvipo muhutano hwako.
Pano pane mitemo yepamusoro uye yehurumende inofanira kuteverwa. Iwe unogona kuwana mamwe mashoko kubva kuNational Organisation of Life uye Health Insurance Guaranty Associations (NOLHGA), iyo inopa muchidimbu yemitemo yehurumende yega yega uye inobatana nesangano rehurumende yehurumende.
Ndinotarisa sei kuhomwe yekambisi ye inshuwarisi?
Iwe unogona kutarisa kuongororwa kwekambani yako yeinishuwarensi panguva ipi zvayo. Mukutaura kwezviyero, makambani matatu makuru anoramba ma tabs pane vanotakura inshuwarisi ndeaya:
- AM Best
- Nhamba & Nhamo
- Moody's
Mumwe nomumwe wemakambani anopa hurongwa hwehutano hunotsanangura zvakajeka kuti makambani ane ngozi yakawanda kupfuura vamwe.
Kazhinji kutaura, A ++, AAA, uye Aaa ndiwo mazana akakurumbira, asi D, CC, uye Ca ndiwo magumo ekupedzisira emitambo iyo inoratidzira kune vasina simba kana kuti varombo. Kusimba kwakasimba kunoreva kuti kambani inofungidzirwa kuva yakasimba mune zvemari.
Chenjerera - kambani imwe neimwe inoshandisa nzira dzakasiyana-siyana mukuverenga kwayo kuverenga. Hapana chivimbiso chokuti kana kambani inogamuchira purogiramu yakakwirira iyo iwe uri mari yakachengeteka. Pane zvakawanda zvezviitiko apo rimwe remakambani aya anoyera rakapa kambani nhamba yepamusoro yakave isina kururama. Enron muenzaniso wakanaka.
Zvichida chiratidzo chinonyanya kukosha chepurogiramu yako kana mutakuri ndechokuda kana kuti hachina kugamuchira chero dhenda rekudarika. Paunenge uchisangana newadhiri wako kana mupi wezano, vabvunze kuti ikozvino kukosha chii. Enzanisa iyi nharaunda kwaakatanga pakutanga.
Nhamba yaunofunga kuti haunganzwi inosanganisira AM Mazano akadai anonzi E, F, kana S. Izvi zvinoreva kuti kambani iri pasi pekutarisa kwehurumende, pakunatswa, kana kutakura kumira (izvo zvinoratidza kuti hazviwaniki.)
Nokuda kweZvinoenderana Nezvakaipa, unenge uine hanya kana kuyerwa kwave kuchichinjwa kuva R. R R inokuudza kuti mutakuri ari pasi pekutarisana kwevayenzi vekutengesa.
Pakupedzisira, kana Moody abudisa kaC kana C, zvinoreva kuti mutakuri wacho ane ngozi zvikuru kana asina kumira. Imwe kambani yakaratidza izvi zvakaderera zvinopa mari isina kuchengeteka, zvakasiyana nezvamunoda kuona. Kushandisa webhusaiti yeMoody, iwe uchada kunyoresa kuwana rusununguko rusununguko nekugadzira zita rekushandisa uye password.
Mutambi wako wehushuwarisi anofanira kunge akawanika uye anogona kukubatsira kuti uongorore kuongororwa kwekambani uye zvido zvemitemo.
Mutori wezvemari anogona kukubatsirawo kudzidza kuparadzira mungozi kunze kwevatakuri vanoverengeka (chimwe chinhu chaungaita kana iwe uri kutenga gore) kuitira kuti ramangwana rako remari risati rasvika harifaniri kungovimbiswa chete nehutano hwekambani ye inshuwarisi.
Iva Akangwarira Asi Usanetseka
Hazviwanzoitiki kumakambani einishuwarenzi kuti akunde. Kazhinji, panzvimbo yekubuda mubhizinesi, vanowana mutengi uye vanobata mazano avo vanongotarisana nemusoro wekunyora zvakare nekambani itsva.
Kusayina nekambani yakarongeka zvakanakisisa uye zvinonzwisisika kuramba nehutano hwekambani asi zvingangodaro, iwe unhu hunochengeteka.