Chii chinoita kuti munhu anyatsogadzikana? Pane zvikwangwani zvinogona kukubatsira kunzwisisa here kuti ungatsire sei inshuwarisi yekutengeserana kana yekutengesa zvakanaka pamishonga yako yveshuwarisi?
Mamwe makambani anoshandisa Inishuwarenzi-Chikwangwani, asi hapana imwe nhamba inoshandiswa nevanhu vose.
Tinoongorora zvinhu zvose zvinopinda maitiro ayo kambani yemishuwarenzi inogadza kusachengetedza kwako, pamwe nekupa ruzivo kuti ndezvipi zvinhu zvingakubatsira kuti uuye neinishuwarensi dzekutsika pasi nekunzwisisa inshuwarisi yekukoshesa nemazano mashomanana.
Inishuwarenzi Inowanikwa uye Iyo Inoshanda Sei
Kwemakore makambani einishuwarenzi ave ave nyanzvi pavanouya nemigwagwa yekuona kuti zvingangove sei kuti njodzi kana "kurasikirwa" kuchaitika, kana kuti chii chiri ngozi mumamiriro ezvinhu. Kubva pane chiongorori ichi chinocherechedza zvinhu zvakawanda zvakaoma, makambani einishuwarenzi anosarudza mapeamendi.
Dzimwe makambani angashandisa kugadzikana kwehutano kana huwandu hwechidiki, somuenzaniso, hunogona kuunganidza zvinhu zvekubhadhara chikwereti, zip kana kuti post code code (iyo inotarisa kune nzvimbo munzvimbo dzinozivikanwa dzinotsvaga) kana zvipingamupinyi zvinoenderana nehupfumi hwemaruwa (izvo zvinoita zvikwereti) .
Izvi zvose zvakaoma kwazvo, saka sechinhu chinonyanya kukosha, kunzwisisa nheyo yehushandiro yemishandiro yehushuwarisi , inopa kunzwisisa kwakanaka kwakananga kwekusagadzikana kwako kana kuti kambani yveshuwarisi ingakutsanangurira sevangangodaro mutengi kana dambudziko .
Chii Chinokonzerwa neInishuwarenzi?
Vanhu vazhinji vanofunga nezvekurasikirwa kwavo kwekutanga kurasikirwa, kana nhamba yezvakaitika pavanofunga nezvehutano hwehushuwarisi.
Inishuwarenzi madzinesi haisi ivo chete izvo zvinowanzoitika apo kambani ye inshuwarisi iri kuongorora kusachengetedza kwako uye mari yakakodzera yekukusimbisa. Heano zvinhu zvakasiyana-siyana zvinogona kukanganisa mari yako ye inshuwarisi:
- Your inshuwarisi yekare. Inguva yakareba sei wakagara uri inshuwarisi, kana iwe wakabhadhara mari yako yemaimari nguva dzose, kana iwe wakamborambidzwa pasina kubhadhara nekambani yveshuwarenzi.
- Nhoroondo yako yezvemari nemafambiro. Kunyange zvazvo chikwereti chikoro chisisashandiswi nemakambani ose einishuwarenzi kana mumatunhu ose, makambani akawanda einishuwarenzi anogona kukumbira mvumo yako kuti uone chikwereti chako. Sezvo wakazivisa kushandiswa kwekuchangobva kuitika kana chikwereti chakaipa kunogona kuchinja marudzi amarudzi api aunokodzera. Verenga zvakawanda pamusoro pekwereti-based inshuwarti scoring muchikamu chiri pasi apa.
- Zvaunofambisa zvinyorwa, uye nhoroondo yenyaya. Ingani katekiti kana kupesana kwekutengesa kwaunayo pane rekodhi yako yekufambisa kunogona kukanganisa kusagadzikana kwako, uye mari yemotokari yako yveshuwarisi . Dzimwe makambani einishuwarenzi anotora mazano asingavabvumi kuti akusimbise kana iwe une mvumo yakawandisa kana kuti matikiti , mumatambudziko aya, unogona kuenda kumunhu anonyanya kuisa inshuwarisi kana kubhadhara mari yakakwirira.
- Iwe unoshandisa sei motokari yako. Kana iwe ukaita mileage yakakwirira kana kushandisa motokari yako yebhizimisi izvi zvichaitawo mumotokari yemutengo wemotokari yako. Semuenzaniso, kana uine madhairiki akawanda pamotokari imwe, njodzi dzekuva nenjodzi dzinowedzera nekuti motokari iri mumigwagwa yakawanda kupfuura kana munhu mumwechete ari kutyaira uye kubva kubasa zuva rega rega. Milege yepamusoro inogona kubhadhara mitero yakakwirira nekuda kwekuwedzerwa kushandiswa kana mileage kunyange zvazvo mukuru wekutya ari kungotyaira kubva uye kubva kubasa nguva shoma shoma zuva rimwe nerimwe, mileage yegore negore inobatsira kambani ye inshuwarisi inonzwisisa kuti nguva yakawanda sei motokari iri mumugwagwa. Kana yakawanda motokari iri mumugwagwa, inowanzoitika njodzi inofanira kuitika.
- Mashoko ako ega. Kambani yese yehushuwarenzi ine zvakasiyana nevamwe vavananga. Semuenzaniso, kana kambani iri kuedza kukumbira kune vakwegura, saka kungova mukuru kunogona kukuita "kuve yakakwirira" nekambani ye inshuwarisi iri kuedza kukumbira kune vakwegura vakwegura. Imwe muenzaniso ndeyekambani dzehushuwarisi dziri kuedza kukwezva vunivhesiti, vakadzidza kana vanhu vanogara kune dzimwe nzvimbo.
Nguva iyo purogiramu yako pachako inowanikwa mune izvo kambani ye inshuwarisi inotarisa kuti ipe inshumo, yako kusakundikana uye "chikwata" kana kukumbira kune iyo inshuwarisi ikambani inowedzera uye mutengo wako uchakwikwidzana.
Iro Inishuwarenzi Yose Inishuwarenzi Inoshandisa Izvo Zvimwe Chekuchengetedza Zvirongwa Here kana kuti Chikwereti-Based Insurance Scoring?
Aiwa, hapana mumwe "purogiramu yveshuwarisi" iyo makambani ese einishuwarenzi anoshandisa.
Pane zvinongorongedza chete uye zvinowanzoenderana nezvinhu zvinoshandiswa nekambani ye inshuwarisi inoshandisa zvichienderana nebasa ravo bhizinesi.
Kambani imwe neimwe ye inshuwarisi ine zvikwereti uye vanyori vanoona pasi . "Chikamu" chako chaizotariswa zvakasiyana nechomwe chazvo, zvichienderana nemitemo yavo yekunyora pasi.
Chimwe chinhu chinogona kukubatsira kuwana mari yakanaka nemakambani mazhinji einishuwarenzi, pasinei neurongwa hwavo hwebhizimisi kana vavanotarisira, vane inshuwarisi yakakwirira yekwereti. Zviongorori zvakaratidza kuti kuva nekodzero dzekwereti zvikwereti zviratidzo zvekusimbiswa mune zvemari, uye kugadzikana kwemari kwakaratidzwa kuva chiratidzo chinoratidza kuti munhu angangoita sei kudai.
Chikoro-Based Based Insurance Zvikoro
Maererano neIniscience Information Institute, achifunga kuti chikwereti chako chikoro hachina chokuita neinishuwarenzi yako inhema.
Iwe Unoratidze Sei Nhamba Yako Yveshuwarisi?
Hapana humwe hunoti huchashandiswa kune makambani ese einishuwarenzi nokuti vose vanoshandisa maitiro akasiyana.
Kushandisa zvakasiyana-siyana zvivako ndeimwe nzira yemakambani emishuwarenzi anogona kukwikwidza mumusika. Kambani imwe neimwe ye inshuwarisi inozivisa nzvimbo dzavanofunga kuti dzinogona kuita zvakanaka, uye inotevera hutsika iyo yevatengi. Iwe unogona kuzivikanwa nekwereti yako chikoro asi.
Inishuwarenzi Inobhadhara Sei?
Sangano reNational Association of Insurance Commissioners (NAIC) rinotsanangura kuti kune makambani mashoma akasiyana anopa Inishuwarenzi-Chikoro Scores kumakambani eshuwarisi. Semuenzaniso, maererano neNaic, izvi ndizvo izvo FICO inopa vatsigiri vehurumende pavanokumbirwa mari yekambisi yekambisi:
- Payment History
- Chikwereti chakanaka
- Chikwereti History Length
- New Credit Applications
- Chikwereti (rudzi rwezvikwereti, makadhi emakadhi, revolving credit, etc.)
Zvinhu izvozvo zvinogona kuchinja nekukurumidza, saka kana iwe uchinge warova nehuwandu yveshuwarisi yemakore gore, uye zvakaitika kuti gore rawakanyora makadhi ako ose, uye waifanira kutora motokari itsva, saka wakakumbira kubhadhara chikwereti, Mwedzi mitanhatu kusvika pagore gare inishuwarenzi yako yekodhi yemari inogona kuchinja zvachose kana zvinhu zvigadzikana.
ZANO: Kana chimwe chezvikwereti zvako zvikashandura, shanduro yeinishuwarenzi iyo inoshandisa chikwereti kubva kune inshuwarheni scoring inogonawo kuchinja sezvo mamiriro acho akadzika kana kuti akasimba.
Zvose izvi zvinogona kuvhiringidza. Kana makambani ese einishuwarenzi aiva neimwe nzira yekuona zvinhu izvo zvaizoita kuti zvinhu zvive nyore kune vashandi ... Pamaflip iyo inogona kubvisa makwikwi ane utano nokuti hapazove nekukwikwidzana.
Zviri paIndaneti: Chii chinonzi "Insurability Score"
Imwe kambani, yakauya nemubatsiri wekushandisa muIndaneti inobatsira iyo inopa " Insurability Score " asi iyi haisi yero inowanikwa iyo pachayo inoshandiswa nekambani dzemishuwarisi. Izvo hazvisi zvakafanana neinishuwarensi chikwereti kana inshuwarisi-credit scoring. The Insurability Score inoshandiswa neThe Zebra kubatsira vatengi kunzwisisa huwandu hwavo hwehushandi hwehushuga pahutano hwekutanga kuburikidza nekubvunza mibvunzo uye kupa "chikwata". Maererano neThe Zebra , izvi zvinopa vashandisi zvakajeka pamusoro pemafambiro uye zvinhu zvinoshandisa auto auto inshumo.
Nzira Dzakasiyana-siyana Insurance Companies Score You
Takaenda nenzira dzakasiyana-siyana dzekambani dzeshuwarisi dzinogona "kuisa" iwe:
- chengetedza kusakwanisa kwako
- kupa zvikwereti
- shandisa chikwereti chikwereti uye inshumo yekubhadhara zvakaitika
- inopa zviri nani inshuwarisi yemari uye zvishoma
Chinonyanya kukosha pakuziva kuti iwe unoregererwa sei ndeyekuti unzwisise kuti ndezvipi zvinokosha zvinokosha kune kambani yveshuwarenzi.
Kana ukangonzwisisa kuti ivo vachakuenzanisa sei, unogona kuedza zvakare kugoverana maitirwo kana zviitiko zviri munharaunda yako uye kuvandudza zvinhu zvinokukuvadza kana kuwana imwe kambani ye inshuwarisi inoda kukupa mitengo iri nani.