Mazano echinangwa chekugadzirisa kushandura bhajeti yako
Kune zvikonzero zvizhinji zvakanaka zvekutenga inshuwarisi yehupenyu kwenguva refu. Kana uchida mutemo wegore rinosvika 5, 10, 20 kana kupfuura makore, inshumo-yehupenyu-inshuwarisi inokupa sarudzo iyi. Izwi rokuti inishuwarenzi yehupenyu hwehupenyu inonyanya kukosha kupfuura kutenga inshuwarisi yehupenyu hwose kana iwe uine mazano ekubhajheta. Imwe inonzi inshuwarisi yehupenyu yehupenyu zvakare ine sarudzo yekushandura kune hupenyu hwehupenyu hwose pamagumo emhedziso yekutaura kuitira kuti icho chinhu chimwe chekuchengeta mupfungwa zvakare.
Pasinei nechikonzero chako chekutenga inshuwarisi yehupenyu, unoda kambani yveshuwarenzi yeupenyu iwe unogona kuvimba kuti uvepo apo iwe unonyatsoda. Zvimwe zvinhu zvokutsvaga paunofunga nezvekushanda kwe-inshuwarisi yekambani yekambani inosanganisira simba rezvemari, kugutsikana kwevatengi, zvipo zvematongerwo enyika, kukosha kwemutengo uye mukurumbira wekambani Makambani einishuwarenzi yehupenyu ehupenyu akawana zvikwereti zvakakosha mune imwe kana akawanda emitambo iyi uye ari pakati pezvakanakisisa zvinoshandiswa pamusika.
01 Best Term Life yekugadzirisa Mitemo: State Farm
State Farm ine chinyorwa chekugadzirisa mitsara yakawanda yekugovera (vagari vemunharaunda, motokari, hupenyu nezvimwe), icho chinhu chausingaoni kubva kumakambani anongonyanya kuisa mu inshuwarisi yehupenyu. Izvi zvinogona kukodzera kuti uve nehutano hwehutano hwehutano huripo, kunyanya kana iwe une imwe sarudzo neHurumende Farm. Nekutakura bundle hupenyu, hutano, vagari vomunharaunda uye kuvhara motokari, unogona kuchengetedza zvakanyanya pamutengo wako. Kubvira mu 2017 Insure.com rankings, aya ndiwo mazana eHurumende Farm (pachiyero che1 kusvika ku100): 92.5 kugutsikana kwevanhu vose; kukosha kwemutengo 93; basa revatengi 93; 87% inogona kukurudzira. State Farm yakagamuchira "A ++" simba rekubhadhara mari kubva kuna AM Best uye 4 kubva pa5 kubva kuVatengi vezvinhu.
Inishuwarenzi yemazuva ekupedzisira kuburikidza neHurumende Farm inowanika maererano nemakore gumi, makumi maviri nemakumi matatu kana makumi matatu kusvika kumadhora mazana maviri nemakumi maviri nemakumi mana. Zvikwereti zvinobhadharwa mwedzi negore kana gore negore uye iwe une maitiro ekupfuurira kugoverwa pamusana pekugadziriswa kusvika kune makore makumi mapfumbamwe. Zvikwereti zvinogona kuwedzera gore negore asi hazvizombopfuuri purogiramu yakawanda mumatongerwo emitemo. Rufu rwekufa haubhadhara mutero. Iwe unogona kuwedzera huwandu hwekutarisana nevatasvi vehuwandu hwevana, imwezve iyo inonzi bhizinesi pamutemo uye kubhadhara mutasvi wepayimusi kana iwe ukaremara usati wava nemakore 60.
02 Best Best Life Life for Financial Strength: New York Life
Iwe unofungei kuti simba remari ringangodaro rinokosha pakusarudza kambani yveshuwarenzi? Iwe wakazvifungidzira! Ndiyo kukwanisa kwekambani kubhadhara pane kudai. Pane ngozi shoma iyo kambani iyi ichavhara suo rayo kana kuti isingakwanisi kusangana nemitoro yayo yezvemari. Mukuwedzera pakuva nepamusoro-soro emari yehutano hwe "A ++" kubva kuAm Best, New York Life inopawo maitiro akasiyana-siyana emitemo-yehupenyu iyo inogadziriswa pane zvido zvako zvakasiyana nemari. Iinewo mazano emakore mashomanana anowanika (mutemo wegore wemakore mashanu). Mutengo waivewo wekufungisisa kukuru (30 muzana yevanhu vanosarudza kambani iyi nekuda kwemutengo). Mukuwedzera kune inshuwarisi yehupenyu, New York Life inopawo inshurensi yekuchengetedza kwenguva refu.
Upenyu hweNew York hunotipa-inshuwarisi yehupenyu nehutano hwakasiyana-siyana kusanganisira gore rekushandurwa kwematongerwo emitemo, nheyo yekutanga premium convertible mitemo nevatasvi vemazano vanowedzera mamwe mazano. Nheyo dzemitemo dzinowanika kwemazuva emakore gumi nemakumi maviri nemasarudzo ekutsigirwa anowanikwa kwemakore makumi maviri. Iyi mitemo inokurudzirwa kune inshuwarisi yehupenyu hwose pamagumo emhedziso. Kune vatasvi vemabhiza akawanda vanogona kuwedzera kugoverwa kwekukurumidza kufa, inshuwarisi yevana, kusingagumi kwenguva refu, kuremara kweiver ye premium, mararamiro ehupenyu nezvimwe.
03 Best Best Term Life kune vatevedzeri veChishanu: Transamerica
Chinhu chakasiyana-siyana kufarira nezveTransamerica yehupenyu hwe inshuwarisi ndiyo nguva yehupenyu hwematongerwo emakore kwemakore makumi matatu nemakumi matatu ekuti "vanopfuura makumi mashanu" vanoita zvematongerwo enyika kusvika pazera remakore 58. Vazhinji vatsigiri vehupenyu havataure izvi. Kubva kune 2017 Insure.com nzvimbo dzeTransamerica dzakagamuchira 81.5 mukugutsikana kwekodzero kwevanhu ne 83% yevashandi vezvematongerwo enyika vanogona kukurudzira Transamerica kune vamwe. Transamerica ine "A +" Superior rating kuburikidza neAm Best inshuwarirwo sangano sangano. Inopa zvinhu zvepasi rose, zvinoshandiswa pasi rose uye yemazuva masinishuwarenzi ehupenyu hwehupenyu pamwe chete nezvimwe zvinoshandiswa uye zvakagadziriswa zvekubhadhara mari.
Inishuwarenzi yehupenyu yemazuva ese kuburikidza neTransamerica inowanikwa mumitemo yepamusoro kubva pamakore gumi kusvika kumakumi matatu mumakore mashanu ekuwedzera kwezvinhu zvema $ 25,000 kusvika ku $ 2,000,000. Mimwe mitemo inoda kuongororwa kwechiremba. Kune mairi maviri e-term-life inshuwarisi yemhando dzinowanikwa kuburikidza neTransamerica; Trendsetter Super Series (kusvika ku $ 1 000 000 muhuwandu nehutano hwakarongedzerwa hunoshandurwa kune hupenyu hwehupenyu hwose pamagumo emhedziso); uye Trendsetter LB (kusvika ku $ 1 000 000 nehupenyu huripo hunhu hunoita kuti uwane hurumende yekubatsira nerufu rune chikonzero uchiri mupenyu).
04 Best Term Life mu Customer Service: AIG
Kubvira ku 2017 Insure.com kuongororwa, AIG inotora 89.4 mune kugutsikana kwevanhu vose. Zvinorevei kuva kumusoro pamusoro pebasa revatengi? Zvinoreva kuti kambani haina kugutsikana kunze kwekuti iwe uri. AIG inewo "A" nheyo yezvemari ne AM Best uye 4 kubva pa5 kuyerwa neCommumerAffairs.
Inishuwarenzi yehupenyu hwemajeri kuburikidza neAIG inopiwa mukutora kwemazuva gumi, 15-, 30- uye 35 yemakore. Chimwe chinhu chinoshamisa cheAIG term-life policy ndeye AG ROP Sarudza-A-Term iyo iwe unogona kuwana mari kana iwe uchizosvika kumagumo emutemo wako wehurongwa pasina kuda. Mari inovimbiswa uye hainawo mutero.
05 Best Term Life yeZvibatsiro Zvevashandi: Voya
Voya yakave iri nguva refu yehutano inshuwarisi. Yakakunda Mukana wePeople's Choice No. 1 nzvimbo ine zvikamu zve 97.1 kubva kune zana muhuwandu hwekodzero dzevatengi kubva kuIndure.com. Voya ndiye AM Best "A" yakarongerwa mune simba rezvemari. Voya yaimbozivikanwa se ING ING, Inc. Itsumo yehupenyu hunowanika chete kuburikidza nehurongwa hwevashandi vayo. Zvirongwa nemashoko zvinowirirana nehurumende.
Voya inopa kuderedzwa kwekubhadhara gore negore uye ine mitemo yemakore gumi, gumi nemashanu kana makumi maviri nemitengo kubva ku $ 100,000 kusvika kune $ 1 mamiriyoni. Iko kune kukurumidza kufa kwekubatsira uye kusunungura mutambi wepamberi kana iwe ukave wakagadzikana. Voya iri nani inonyatsozivikanwa nekuda kwehutano hwehupenyu hwehushandi yemishonga yehupenyu asi ichiri kambani inoremekedzwa ine yakakwirira. Kana iwe waunoshandira ane hurongwa hwehupenyu hwehupenyu hwakapiwa kuburikidza neVoya, iyo ndiyo nzira yakanaka yekufunga.
06 Best Term Life Value yekushandura Upenyu Hwose Kuronga: Northwestern Mutual
Chikonzero chekutumidza Northwestern Mutual sehutano hwakanakisisa hwehupenyu hwekushandura kurongwa hwehupenyu hwose ndeyekubhadhara chikwereti chinogona. Northwestern inshuwarisi yehupenyu hwehupenyu hwehupfumi hunogona kutarisira kugamuchira mari inopfuura $ 5.3 mabhiriyoni muzvikamu zvekugoverana muna 2018 maererano nevamiririri vekambani. Sangano rekubatana, Northwestern Mutual inotungamirirwa nevatungamiri vayo uye inowanikwa mari nevatori vehurumende kuburikidza nekubhadhara chikwereti. Northwestern Mutual yakawanawo 89.3 kubva kune zana muhutano hwekugutsikana kwevanhu mu 2017 Insure.com kukohwa. Northwestern Mutual ine "A ++" yehutano hwemari kubva kuna AM Best.
Nheyo dzemakore mana-hupenyu dzinowanika kubva kuNorweswestern Mutual, kusanganisira Level Term 20 (level premium kwemakore makumi maviri); Nhamba yeChirongwa chegumi nematatu (dhigirii yemakore gumi, gore 80) Iri ndiro gore rekutanga rekugadzirisa mitemo nemitengo isingatariswi gore negore Asi zvakadaro, mutemo uyu unogona kudzorerwa zvakare kusvika makore 80.) Nguva 10 (gore negore rinogona kuwedzerwa Makore 10. Pashure pemakore gumi, iwe unofanirwa kutenga mutemo mutsva kuti uchengetedze kugoverwa.)
07 Best Best Term Life muKugara Kwevatengi Kugutsikana: John Hancock
John Hancock aizivikanwa zvikuru neAmerican Revolution patriot uye ndiko kukurudzirwa kwezita rekambani. Iyo kambani yakatangwa muna 1862 uye inowanikwa muBoston, Massachusetts. Iyo kambani ine mapurogiramu akakwirira mukugutsikana kwekambani kwekambani kubva kuIndure.com kuongororwa, kuverenga 90.4 kubva kune zana.Johan Hancock anoitawo zvakanaka mune zvekugadzirisa chikamu ne 88 zvikwereti muhomwe yemutengo.
Hupenyu hwehupenyu Inhiyo yeInishuwarenzi kuburikidza naJohn Hancock inopiwa mukutaura kwemashoko gumi, gumi nemashanu, kana makore makumi maviri nemazana makumi maviri nemazana emadhora ekukosha kwe $ 100,000. Mutengo wepurogiramu unobvumirwa kuti urambe uine huwandu (kwete kuwedzerwa) kwenguva yechinangwa. Sezvinowanzojairika nekambani dzemishandisi yemishandisi yehupenyu, John Hancock anopa sarudzo yekushandura izwi remishonga yveshuwarisi yehupenyu muhutano hwehupenyu hwemushuwarisi hwose pamagumo emutengo wepurogiramu.
08 Best Term Life Inokosha Pamutengo: MassMutual
MassMutual ine ruremekedzo rurefu sekambani yehupenyu ye inshuwarisi yehupenyu uye yakagamuchira mapeji 91 kubva kune zana mukoshi wekutengo muIndure.com People's Choice Awards. MassMutual ine "A ++" yehutano hwemari kubva kuna AM Best. Nemhaka yokuti iyo inobhadhara inshuwarisi, vatengi vanewo vagari uye vanowana zvikwereti.
Indisitiri yehupenyu hwemajeri kuburikidza neMisaMutual inobhadhara chikwereti chinowanikwa chinowanikwa nehuwandu hwehuwandu hwemari hunotarisirwa kwenguva yakati (kazhinji 10 kana makore makumi maviri). Ikopa yekutanga inogona kuwedzera mushure mekunge nguva ino. NeM MassMutual, iwe une sarudzo yekushandura izwi rehupenyu hwehupenyu mu inshuwarisi yehupenyu hwose (inozivikanwawo seinishuwarenzi yeupenyu husingagumi) kunze kwekunge uwane chero mimwe mibvunzo yehutano kana miedzo yepanyama. Nokushandura izwi rokuti mararamiro ehupenyu muhupenyu hwehupenyu hwose pakuguma kwegore, iwe unogona kuwana zvikwereti zvakadai semari inokosha ye inshuwarisi yehupenyu.