Inofungidzirwa kuti vanhu 250 000 pagore muUnited States vanozvichengeta kuzviuraya, chimwe chezviitiko zvinorwadza zvikuru zvingatarisana nazvo. Kurasikirwa nemunhu waunoda, uye mibvunzo yose inouya ne kurasikirwa ikoko inonetsa zvikuru kutarisana nayo. Kuva nekutarisana neinishuwarenzi iyo yakarambidzwa mukutarisana nenjodzi yakadaro inowedzera kuparadza iyo munhu aizotarisira kusagadzirisa.
Kupi Inhu Inishuwarenzi Mapurogiramu Anoshandira Kuzviuraya Kudaidzwa
Kambani yeInishuwarenzi inogona kana kuti isingakwanisi kubhadhara mubhadharo we inshuwarisi yehupenyu kana paine kuzviuraya zvichienderana nemamiriro ezvinhu, chinhu chinokosha kuva kuvapo kwemashoko maviri anowanikwa muhushandi yemishonga inshuwarano: Kuzviuraya Kuzviuraya uye Kusagadzikana Kwechirevo .
Kubhadhara kune Vanobatsirwa neUpenyu hweInishuwarenzi yehupenyu kana Rufu rwuripo nekuda kwekuzviuraya
Kuzviuraya kunogona kuvharwa ne inshuwarisi yehupenyu munguva dzakawanda, zvisinei kuti zvikamu zviri mu inshuwarisi yehupenyu zvinoreva kuti vanhu vasangotenga mutemo nokuti vanoda kusiya mari kumhuri yavo mushure mekuzviuraya.
Kuchengetedza vanhu vachishandisa izvi sechirongwa chekusiya mari kubva kune inshuwarisi yehupenyu kumubatsiri wavo mushure mekufa kwakarongeka , pane mitemo yekutanga inzvimbo.
Kuzviuraya uye Inishuwarenzi yeupenyu
Maererano nehana yakanyanya kuwanikwa pakuzviuraya neCDC muUnited States muna 2014 kune vanhu vanopfuura 40 000 vanofa nekuzviuraya.
Kuzviuraya kunotyisa uye kazhinji kusingaonekwi nevanhu vakasara shure. Iyo inhamo inoparadza. Zvinonzwisisika, zvingangova zvakanaka kuti nhengo dzemhuri dzakasara shure nechiito chokuzviuraya dzinogona kubatsirwa kubva kune inshuwarisi yehupenyu, zvisinei kuitira kuti zviite saizvozvo, mamwe mamiriro ezvinhu anofanira kusangana kuti abvumire mubhadharo kubva muchibvumirano.
Zvinosuruvarisa, mumakore maviri ekutanga yemishuwarenzi yehupenyu , pane chirevo chinozivikanwa seCincontestable Clause , semugumisiro wechirevo ichi, kambani ye inshuwarisi inogona kukwikwidza nekuramba chirevo nekuda kwezvikonzero zvakawanda, mumwe wavo ari kuzviuraya.
Nguva Inopikisa Muupenyu Inishuwarenzi uye Iyo Inobata Sei Kuzviuraya Kudai
Icho chisingatenderwi mubhuku re inshuwarisi yehupenyu ndicho chikonzero chinokosha chokuti kudai kunorambidzwa nekambani ye inshuwarisi yehupenyu mumakore maviri ekutanga ehurumende iri kushanda. Maererano neNational Association of Insurance Commissioners (NAIC) , izvi zvinogona kusanganisira kutevera rufu nekuzviuraya. Icho chinonzi incontestable clause inobvumira kambani yveshuwarenzi yeupenyu kuramba kudai munguva yekukwikwidza nguva. Nguva yakakwikwidza inotsanangurwa mundima inowanzotora nguva yemakore maviri mushure mekutanga zuva iyo inishuwarenzi yekuvhara yekutanga yatanga.
Pane imwe nguva izwi remutemo risingatauriki rakapfuura, saka inshuwalense yehupenyu inotanga kuva "isinganzwisisiki" kunze kwezvinhu zvakakomba zvakadai sekunyengedza kana kusataura zvisina kunaka. Iwe unofanirwa kuonana nemumiririri wemishandiro yveshuwarenzi yehupenyu kuti uwane zvakajeka zvakadzama zvepurogiramu yako uye izwi rechikamu mumamiriro ako chaiwo.
Apo Upenyu HweInishuwarenzi Hupenyu Unogona Kuda Kuda Kana Kufa Kunokonzerwa Nokuzviuraya
Kana iyo chirongwa ichi chave chiri kushanda makore mashoma kusvika pamakore panguva inopesana neinishuwarenzi yehupenyu, ipapo kambani ye inshuwarisi inogona kuongorora kupomerwa uye inoramba chirevo chehushandi hwehupenyu kana kuzviuraya ndiko kukonzera rufu maererano neA NAIC. Mukuwedzera kune chinyorwa chisingadikanwi, inshuwarisi yehupenyu inogonawo kuva neUkuuraya kana Chirevo.
Kuzviuraya kunotaura nezvemashoko nemamiriro ezvinhu ekubhadhara, kana zvikonzero zvekuzviuraya zvakananga.
Inowanzouyawo nemakore maviri emakore nguva yekuregererwa kwebhadharo nekuda kwekuzviuraya. Kana hurongwa hwako huine chirevo chekuzviuraya, ipapo kudai kunogona kurambwa maererano nemitemo yendima iyo inowanzotaura kuti hapana rubatsiro rwekufa ruchabhadhara kana munhu akazvipira achizviuraya kana kana kuzviuraya ndiko kukonzera rufu.
Panguva yaunotenga inshuwarisi yehupenyu, mumiririri wako wehushuwarisi ane mvumo yekutsanangurira zvose izvi zvikamu nemirairo yemitemo kwauri, pamwe chete nezvimwe zvinoshandiswa mu inshuwarisi yehupenyu hwako sechikamu chekutenga nzira.
Kuzviuraya Kuzviuraya uye Kusagadzikana Chirevo
Aiwa, chirevo chekuzviuraya uye chisingaiti chechipiri hachisi chinhu chakafanana. Iyo incontestability clause yakazara uye inobata nevanishuwarensi vane kukwanisa kukwikwidza kana kuramba inshuwarisi yeupenyu munguva yekukwikwidza nguva. Zvimwe zvikonzero kunze kwekuzviuraya zvakare zvinotaridzwa, zvakadai sekufa panguva yechiito chisina mvumo, kana kuti kusarudzwa kwemashoko, uyewo zvingaita "gwaro rekushandisa zvinodhaka uye doro". Zvinonyanya kukosha kuti uwane zvakananga zvehushandi yemishandiro yveshuwarisi yakatengwa painyoresa bvumirano ye inshuwarisi yehupenyu kuitira kuti iwe usapedzisira uine zvinoshamisa, kana kuti une kuda kurambidzwa.
Apo Upenyu HweInishuwarenzi Hupenyu hunobuda Mukuzviuraya
Mushure menguva yekuzviuraya, kana nguva yekukwikwidza yapera, iyo inowanzotora makore maviri kubvira musi wekutenga mutemo mutsva, saka inshuwarisi yehupenyu inogona kubhadhara mari yekuzviuraya. Iyo mitemo inofanira kubhadhara mari yekufa kune avo vanobhadhara. Kuti unzwisise mitemo yako yemitemo, iwe unogonawo kutarisa chikamu chekutsvaga kwepurogiramu, sezvo urongwa hwekuzviuraya hungave hwakasiyana nemutemo umwe neumwe.
Apo Upenyu HweInishuwarenzi yehupenyu Huchabhadhara Chirevo Kana Chikonzero Chorufu Kuzviuraya
Kana pasina kuregererwa kana chidimbu chiripo panguva yekufa iyo isingabatanidzi kuzviuraya. John naMaria vakatenga mishonga yemishonga yemazuva gumi yemakore masikati pavakaroorana, vakabhadhara miriyamisi yavo uye vakachengeta mitemo yakafanana iri kushanda.
Makore mashanu gare gare, Maria akaonekwa kuti ane kuora mwoyo, kunyange zvazvo akanga ari mukurapa uye aive achiita zvakanaka, rimwe zuva, zvakanyanya kutyisa mhuri, vakaona kuti akanga azviuraya. John akaparadzwa, nhengo dzemhuri dzakamubatsira kuti awane zvinhu zvose zvaMariya mukuronga uye akawana inshuwarisi yehupenyu hwavo.
Kunyangwe mari yacho isina kubatsira nekurasikirwa kwake kunoparadza, mhuri yakashamisika uye yakasimbiswa pavakaona kuti kambani ye inshuwarisi yaizobhadhara kudai, kunyange zvazvo chikonzero chekufa chakanga chakafanira kuzviuraya, nokuti chikonzero chekuzviuraya hachina kushandiswa.
Muenzaniso weInishuwarenzi Ikambani Kuramba Kudairwa Nokuda Kwokuzviuraya
Jeff aive akachengetedza inshuwarisi yehupenyu kwemakore makumi maviri akapfuura, pakasvika nguva yekuvandudza mutemo wake, akasarudza kuti sezvo yakange yava makore makumi maviri, kambani ye inshuwarisi yehupenyu iye zvino inopa hurumende yepamutemo , saka akaongorora uye shanduka kune rumwe rudzi rwematongerwo enyika kubva kune imwe kambani ye inshuwarisi yeupenyu. Gore rakatevera, akazviuraya, haana kuziva kuti nokuti akashandura inshuwarisi yehupenyu nguva inotambudzwa yakadzoka zvakare, uye urongwa hwekuzviuraya hwashandiswa zvino. Mhuri yake yakarambwa kudai.
Muenzaniso weInishuwarenzi Ikambani Inotaura Nekufa Kuzviuraya uye Kuramba Kudaidzwa
Uyu ndiwo muenzaniso chaiwo wehupenyu hwemamiriro ezvinhu apo kambani yemishuwarenzi yakaongorora rufu sekuzviuraya asi zvino yakazove yakagadzirirwa kuti chikonzero chekufa chakanga chakaitika. Todd Pierce akanga aonekwa kuti ane chirwere chepachirwere cheganda muna 1999. Makore gumi gare gare, Todd akanga ari munzira yomugwagwa uye akanga achibatanidzwa pangozi yemotokari inouraya. Imwe kambani yeInishuwarenzi yakanyora njodzi iyi sekuzviuraya uye yaida kuramba kudai.
Mudzimai waTatd Jane aisagona kutenda kuti vakanga vachimuti rufu rwake kuzviuraya. Akasarudza kuwana rubatsiro rwemweya, uye somugumisiro, kambani ye inshuwarisi yakazoguma yakagara naye, uye kwete kuenda kumatare. Vanhu vakawanda havana ruzivo rwemagweta pamutengo unonzwisisika, kunze kwemamiriro ezvinhu anouraya evanhu vanozviuraya, vanowanzorega uye havadi kuedza uye kurwisana kunoramba kwe inshuwarisi yehupenyu yekuda kuzviuraya.
Muchiitiko ichi, Mai Pierce vakanga vakashinga uye vakarwira kuti vagare. Izvi ndezvisinganzwisisiki, zvikwereti zvizhinji zvehushuwarano hwehupenyu hunobhadharwa pasina dambudziko, asi iyi ndiyo muenzaniso wakanaka wemamiriro ezvinhu apo kubvuma kungave kwakarambwa nekuda kwemashoko emitemo, zvinyorwa uye zvisarudzo. Ndinofara kuti mupi wemukana akakwanisa kuwana mazano emutemo.
Kunetseka Nezveupenyu MaInishuwarenzi uye kuzviuraya
Kana iwe kana mumwe munhu waunoziva ari kutambura nekuora mwoyo, kana kurwara kwepfungwa, kana kungova nenguva yakaoma, chinhu chakakosha iwe unogona kuita ndechokubatsirwa iwe pachako uye kuti iwe usambofaniri kunetseka nezvehupenyu hwe inshuwarisi yehupenyu uye kana iyo ichabhadhara kunze kwechiitiko chekuzviuraya.
Kana iwe uri kupona kuzviuraya, iwe uri pakati pevatatu vevanhu vane mamiriyoni muUnited States, usatya kutya kusvika kune mamwe masangano. Ndinotarisira kuti nyaya ino yakabatsira kusimbisa kukanganisa kuzviuraya mu inshuwarisi yehutano huripo, asi zvakadaro ndinokukurudzira kuti usvike uye uwane rubatsiro kune rumwe rutivi rwenyaya iyi uripo. Isu tose tinobatwa nekuzviuraya, kuora mwoyo uye kurwara kwepfungwa uye nekusvika kunze nekushanda pamwechete, pangave nekubatsirwa.