Kugadzirira Kurambidzwa Kwemari Yenyu Ndeye Chikamu Chinokosha Chekugadzirisa Imba
Credit Life Insurance Inotsanangurwa
Chikwereti chehupenyu bhuwarisi ndiyo inshuwarheni iyo inotarisirwa kubhadhara chikwereti chavakwereta pavanofa. Chii chinoisa mitemo iyi kusiyanisa nehupenyu hwehutano inshuwarheni kugoverwa ndiyo nzira iyo rufu runogadziriswa. Nehutano inshuwarisi yehupenyu hwose, rubatsiro rwekufa runotsanangurwa nenguva yaunotenga mutemo. Somuenzaniso, unogona kutenga $ 100,000, $ 500,000 kana $ 1 mamiriyoni muchidimbu. Neshuwarenzi yehupenyu hwekwereti, kukosha kwemaonero ehutano kunoenderana nekukosha kwechikwereti chakagadzirirwa kubhadhara. Kukosha kwepurogiramu kunogona kuderera pane nguva sezvo chikwereti chemari chikwereti chinoderera.
Mari yechikwereti yveshuwarenisi mitemo inowanzobatanidzwa nezvikwereti zvikuru. Kana iwe ukatora chikwereti kutenga imba, somuenzaniso, unogona kugamuchira zvisirizvo zvinopiwa nekuda kwemitemo yeupenyu hwekwereti. Izvo zvakafanana kana iwe ukatora chikwereti chikuru chemotokari. Kutsvaga kwekutsvaga kwekombiyuta kunogona kuve vatsigiri vekutengesa vanotengesa mitemo yeupenyu hwekwereti
Mamwe makambani anogona kupa zviitiko zvakafanana zvekwereti yemakadhi asi izvi hazvisi zvishoma. Kakawanda, makambani ekadhi rechikwereti anogona kupa mazano anovhara yako mari yako pamusoro penguva pfupi kana iwe uchinge wakaremara kana kuti usingashandi.
Credit Life Insurance Pros
Mukana wakajeka wekutenga chikwereti cheshuwarisi yehupenyu ndeyekuti inotora mutoro wekubhadhara chikwereti chako kana zvimwe zvikwereti kubva pamafudzi evanodiwa vako paunopfuura.
Izvozvo zvinogona kunyanya kukosha kana iwe ukagovana chikwereti, semukwereti wemusha, pamwe nemumwe wako kana mumwe munhu. Vanokwereta pamwe chete vaiwanzofanira kubhadhara zvikwereti kana zvimwe zvikwereti kana munhu anokwereta akafa asi chikwereti chemari yemahorensi yeupenyu hunokwereta chikwereti kwavari.
Mari yechikwereti yehupenyu inogonawo kuva nyore kukodzera kune inishuwarenzi yehupenyu hwemazuva ose. Semuenzaniso, makambani mazhinji einishuwarenzi anoda kuti iwe uende kune hutano hwehutano kuitira kuti uwane yunishuwarenzi yemakore kana yekusingaperi. Kana iwe uine hutano husina kunaka, unogona kunge uri kutarisana nepamusoro-soro yekuvhara, kana kuti wakarambwa zvachose. Kunyange zvazvo hutano huchiri kungove huri kuongororwa, mitemo yehupenyu hwekwereti inowanzova nemitemo shomanana yekugamuchirwa.
Credit Life Insurance Cons
Imwe yenharo dzakanyanya kupikisa inshurensi yehupenyu hwekwereti ndeyokuti haiti chinhu chipi nechipi cheshuwarisi yehupenyu hwehutano husingagoni. Kana uine nguva yehupenyu hwematongerwo enyika , somuenzaniso, wako wako anogona kungoshandisa izvo zviri nyore kuti abhadhara chikwereti chako kana zvimwe zvikwereti.
Ichokwadi chokuti inshurensi yehupenyu hwekwereti yehutori inorasikirwa nehumwe humwe unogona kunge huri pasi. Kana iwe ukatora $ 250,000 chikwereti uye iwe unokwereta $ 125,000 paunofa, mutemo waizongobhadhara zvakakwana kuti ubvise chikwereti.
Kana iwe uine $ 125,000 kutenga chikwereti uye $ 250,000 yemishonga inshuwarano yehupenyu, wako wako angashandisa mutsauko kubhadhara mari yekuvigwa, kuisa mari kune dzidzo yevana vako kana kungovhara zvese zvezuva rehupenyu mari.
Imari ndeyeimwe kufunga nezvehupenyu hwehutano inshuwarisi. Mari yaunenge uchibhadhara nokuda kwekugoverwa inobva kune rudzi rwechikwereti chakafukidzirwa, chikwereti chakakodzerwa uye chirongwa chemhando. Iwe unobhadhara sei miriyamisi inokosha zvakare. Kana iwe uine purogiramu imwe chete yekutanga, semuenzaniso, iyo premium inogona kuvakwa muhomwe yako yekutengesa. Izvi zvinogona kusimudza mari yakazara yekutenga imba nokuti inowedzera chikwereti chako chemari uye zvinoguma mukubhadhara zvakawanda mukufarira kune nguva.
Imwe mitemo inoshandisa purogiramu yemwedzi pamwedzi inogona kuva yakawanda-inodhura asi hukuru hwematongerwo enyika hunokosha. Uye panogona kuva nemiganhu yekuti mari yakawanda sei inogona kuvharwa nehupenyu hwechikwereti.
Kana iwe uine chikwereti chikuru chekutora chikwereti, chirongwa cheupenyu hwekwereti chinogona kupera. Haisi kungotenga chete mutemo wehupenyu hwemazuva ekupedzisira huri mari yakawanda asi inogonawo kubhadhara mibairo yevatsigiri vako munguva refu.
Mari yeUkwereti Inowanikwa muIndaneti Yenyu?
Mhinduro yemubvunzo uyu inobatsira zvikuru pamusoro pemamiriro ako emari. Kana iwe uine hutano husina hutano uye usingakwanisi kukwanisa kubhadhara inshuwarano yehupenyu hwehupenyu, hutori hwehupenyu hwekwereti hunogona kudzivirira vadiwa vako kubva pakutora chikwereti chako pane imwe nguva. Kune rumwe rutivi, kana iwe uine hutano uye unogona kukodzera kuwana purogiramu yakaderera, inshuwarisi yehupenyu inogona kuva sarudzo yakanaka.
Sezvo nemhando ipi zvayo yveshuwarenzi yehupenyu, zvakakosha kuongorora mari, kugoverwa uye kana zvikasarudzwa zvinoshanda. Iwe unofanirwawo kufunga kuti mari yemaimari inobhadharwa uye kuti yakareba kwenguva yakareba sei. Chikwereti chemarishuwarenzi inogona kuchengetedza vatsigiri vako uye kuvadzivisa kuti vasashandise zvimwe zvinhu mumatunhu enyu kubhadhara chikwereti asi inshurensi yehupenyu inogona kuzadzisa chinangwa chimwechete. Kutarisa kumativi ose emari iyo inokosha kukuumba hurongwa hwehupfumi.