Pamusoro peBillion Dollars muChirangaridzo Hupenyu Mazano, Unofunga Sei Shamba Rako?
Maererano neChimwe Chekuongorora Reports, kune mamiriyoni ane mabhiriyoni emadhora muzvikwereti zvemishuwarenzi yehupenyu iyo isina kubvumidzwa kubva muna 2013, nhamba yacho inomuka uye inobvunza mubvunzo, unoziva sei kana uri iwe unonzi unobhadharwa rufu runobatsira uye unoziva sei? Pane nzira dzakawanda dzekuwana inshuwarisi yeupenyu yakarashika.
Iwe Unogona Kuva Mubatsiri Pahupenyu Hwemutemo Inishuwarenzi uye Usingazivi Nezvo
Iwe unodzidza zvakawanda pamusoro pomunhu mushure mokunge vafa uye iwe ungashamisika kuziva kuti vangani vanhu vane kodzero yekufa maropafadzo uye havana kumbobvira vaine pfungwa. Zvinogona kuitika nokuti munhu aida kungokusiya chipo, asi haana kuda kukubvumira iwe kuziva, kana zvinogona kunge zviri nyore nokuti munhu akanganwa nezvepurogiramu shoma nokuti vakashandura upenyu hwavo hwehutano inshuwarisi . Vangangodaro vakakanganwa iwe wakarongerwa seunobhadhara.
Mune zvimwe zviitiko, munhu angangodaro akatora inshuwarisi yehupenyu uye akanga asina munhu ari pedyo nekunyorera semubatsiri, uye akasarudza iwe. Nhau dzinosvika nguva yose, apo vanhu vakanga vasingazivi kuti munhu aireva kuti vanobatsirwa, uye kamwe kamwe vanoziva kuti vane mari iri kuuya kwavari. Kune zvikonzero zvakawanda zve inshuwarano yehupenyu yekuenda isina kutongwa, inofungidzirwa kuti 1 muvanhu 600 vane kodzero yekuita zvisina kubatsirwa.
5 Matanho Ekufukura Chakavanzika Upenyu Inishuwarenzi Mitemo kana Inorasika
Aya matanho mashanu achakubatsira kuti uwane nzira yekutsvaga inshuwarisi yehupenyu uite kuda kana iwe une kodzero yemari. Kungofanana nemunhu asina kukuudza kuti vaiva ne inshuwarisi yehupenyu, hazvireve kuti hakuna imwe, uye iwe unofanira kuedza nepaunogona napo kuti uiwane nekukurumidza sezvinobvira kuitira kuti chero ipi zvayo iri mumutemo isasarudzwa mukubhadhara mari yemamiriyoni.
Mazano Okuwana Indaneti Inishuwarenzi Yeupenyu
Kune zviitiko zvakawanda apo vanhu havagoni kuwana magwaro emishuwarisi ayo akange arasikirwa nekufamba kwenguva. Kana iwe ukarasikirwa nomumwe munhu wepedyo iwe kazhinji kunopisa uye kuwana magwaro kunogona kuva kwakaoma. Aya mazano achakubatsira kuona nzira yekuwana inshuwarisi yeupenyu yakarashika, kana kuti ungaziva sei kana iwe une kodzero yekufa kwerufu iwe wausingazivi nezvazvo.
Kune marudzi akasiyana-siyana emishuwarenzi yehupenyu kana kubatsira kwekufa, vashandirwo mapurogiramu angavapa sechikamu chehutano hwehutano inshuwo zvakare. Kune zviitiko apo kambani ye inshuwarisi yehupenyu haisati yaziva kuti policyholder yapfuura. Izvi zvinonyanya kukosha nemishuwarenzi yehupenyu inopa hutsika, sekuchengetedza indexed universal inshuwarisi yemitemo . Nguva inokosha, saka ngatitangei kutanga.
Mhinduro kune mibvunzo Pamusoro peNhepfenyuro yeUpenyu hweInishuwarenzi
Chii chinoitika kurufu rwekufa kana pasina munhu anoti mari yacho?
Kwamuri kutsvaga ruzivo pamusoro pe inshuwarisi yehupenyu kana mumwe munhu wepedyo iwe afa
Nzira yekutsvaga inshuwarisi yeupenyu yakarasika
Chii chaunofanira kuita kana iwe usingazivi kuti inishuwarenzi yehupenyu yaiva nei. Tsvaga kambani yeinishuwarenzi uite kudai
Ndeupi ruzivo rwaunoda kuti utaure
Ndiani anogona kuwana ruzivo pamusoro pehupenyu hwehupenyu hwakarasikirwa
Nzira Yokuwana Nayo Kana Iwe Uri Kunyorwa seMubatsiri Purogiramu Yeupenyu
01 Kushandura Kwekushandurwa Kwebindu Kutsvaga Kuti Uwane Zvemishuwarenzi Isingazivikanwi yeupenyu
Nzira iri nyore yekuongorora ndeyokutarisa panzvimbo yakadai se Missing Money apo tsvakurudzo uye zvirevo zvakasununguka. Maererano ne Missing Money, vanopa kutsvaga zvakasiyana-siyana zvezvinhu zvisina kupiwa neNational Association of Unclaimed Property Administrators (NAUPA).
Tsvaga Unclaimed Life Policy Mazano uye Mari
Ikutsvaga kwepaIndaneti inopa ruzivo pamusoro pemishuwarenzi inobatsira iyo isina kubhadharwa, zvikwereti nemari (iyo inogona kuve inobatanidzwa nemitemo yehupenyu hwose kana hupenyu hwehupenyu hwehupenyu hwose ) kana annuities, trust funds nedzimwe nzvimbo uye zvinhu zvakaita sebhangi dzebhangi nezvimwe.
Zvakadini kana ruzivo rusingarati mukutsvaga? Kunotevera: kazhinji inobvunzwa mibvunzo pamusoro pokuwana nekutsvaga yveshuwarisi yeupenyu yakarasika ...
02 Inowanzobvunzwa mibvunzo Pamusoro peKutsvaka Upenyu Hweupenyu hweInishuwarensi Yakarasika
Imwe kambani yeInishuwarenzi inotendeukira chero ipi zvayo isina kubhadharwa kufa kwehupfumi yehupfumi yehurumende.
Nzira Yokutsvaga Kuti Uone Kana Iwe Uri Mhemberero yeMari Kubva muNyika Isingazivikanwi Upenyu Hwevanhu
Iwe unogona kunge uri kutsvaga kuti uone kana mumwe munhu wepedyo iwe uyo achangopfuura apfuura ane hupenyu hwematongerwo enyika. Pamusoro peshoko rehupenyu hwomunhu, munhu anogona kutenga inshuwarisi yehupenyu humwe chete, saka kana iwe usina chokwadi, pane dzimwe nzvimbo unofanirwa kutarisa kuti uwane mhinduro dzekuti kana kwete here kune inshuwarisi yehupenyu iwe wakakanganwa pamusoro, kana kuti zvichida hauna kumboziva nezvazvo zvachose.
Uzive Ipo Paiva Nenzira yeUpenyu, asi Iwe Hauzivi Ipi Inhu Inishuwarenzi yeupenyu iyo Inyo Yaive Neyo?
I National Association of Insurance Commissioners inogona kukubatsira. Ingosangana nehofisi yako yehurumende yemishuwarenzi ehofisi yehurumende mutemo wakanga uri uye vanogona kukubatsira, kana kuverenga zvakawanda pamusoro pekutanga sei nzira yekutsvaga iyo kambani yveshurenzi yakabudisa inshuwarisi yehupenyu hwemudiwa wako muhurumende yako.
Iwe Uri Kunyoresa seMubatsiri Purogiramu Yeupenyu?
Kuti mumwe munhu akuise iwe somubatsiri pamutemo wehupenyu, haufaniri kupa mvumo yako. Izvi zvinoreva kuti iwe unogona kutumidzwa seunobatsirika pane chinangwa uye usingazivi. Pakave nemuenzaniso mizhinji yematambudziko
03 5 Nzvimbo dzekutsvaga mari Unogona Kuva Nheyo Yokutevera Rufu
Kana munhu akapfuura akanga ari pedyo newe kana kuti nhengo yeimba yako, unogona kuva nemapepanhau angakubatsira kuona kana pane zvinhu zvakavanzika kana mitemo isingatauri inogona kukurondedzera iwe somubatsiri.
Chengetai Idzi Iyi Nzvimbo 5 dzekuwana Upenyu hweUshandi hweInishuwarenzi Hwakarasika
- Tarisa mapepa emarara kune zvibvumirano, mabhizinesi ebhizinesi yemishuwarenzi yehupenyu kana mamwe mahofisi einishuwarenzi, mutori wenhoroondo, kana kukanganiswa cheki kana zvinyorwa zvemabhuku. Tsvaga kubva kubhangi ravo kana vakatenga chero njodzi chaiyo kana imwe inshuwarisi. Iwe unogonawo kuedza kutarisa kuchengetedzwa kwekuchengetedza mabhokisi.
- Chengeta rekare mabhengi emarekete kana mabhuku eakaunti yekutengesa kune inshuwarisi yeupenyu. Kunyange kana iwe usingawani purogiramu chaiyo, ruzivo rwekutsvaga kana zvinyorwa zvakadai sezita rekambani ye inshuwarisi yehupenyu ndiyo inotungamirira kukushandisa iwe kuti upinde mukana kuti uone kana mutemo wacho wakanga uchiri kushanda, kana wakanga uine chero mari kukosha kana kuenzaniswa kwekutsvaga, uye kutanga chirongwa chemhosva cherairo yakarashika.
- Kazhinji vanhu vanowana rubatsiro rwekushandira inshuwaridhe kana kuti yakaderera apo ivo vari mamiriyoni ehurumende, masangano enyanzvi, uye kuburikidza nebasa ravo. Bata mazamu aya kuti uone kana pane chero mutemo wakadaro uripo. Kana munhu wacho akarega basa, vangangodaro vave nehutano hwehutano inshuwarisi kana chimwe chekubatsira, iva nechokwadi uye uone nezvayo zvakare.
- Tarisa mail kuti uone kana iwe uchigamuchira chero magwaro kubva kuzvikwereti kana makambani e inshuwarisi yehupenyu. Kana iwe usingazivi nezvehutungamiri, ipapo pane mukanano wakanaka iyo kambani haina kuziva munhu akapfuura uye inogona kunge ichiri kushandisa zvinhu zvavo kuti ibhadhe mari yemari inobvisa kubhadhara rufu. Uyewo chengetai zvinyorwa zvemakadhi ekukweretesa anouya mumachesi, kana mamwe magwaro emari kune chero inshuwarisi ingangodaro yakatengwa.
- Chengeta kero yavo ye email yemashoko kune kana kubva kune vashandi ve inshuwarisi, nhengo dzeboka, mazano ematambudziko, inshuwarisi yehutano, nezvimwewo.
Kana pasina chimwe chezvizvi chinoshanda, usakanganwa nezvekusununguka kwekutsvaga paIndaneti! Zvadaro, regai tiongororore ndiani anogona kuita kudare inshuwarisi yeupenyu yakarashika. Uri kukodzera here?
04 Ndiani Angazvitsvaga Nokuda Kwokurasikirwa KweInishuwarenzi yeupenyu
Kuzvimiririra kuchiri kukosha kunyange mushure mokufa, saka iwe haufaniri kufunga kuti iwe unenge uine kodzero yekubvunza nezvekufa kwekufa kana iwe usati uri wemhuri yako, zvisinei kune mamiriro ezvinhu apo kunyange iwe usati uri hama yepedyo iwe unogona kuva kodzero yekutaura; Somuenzaniso, kana iwe uri mubhadhari anonzi pane mutemo.
Iwe hauna chinhu chekurasikirwa nekuita nekusununguka kutsvaga mutemo wehupenyu hwevakafa mune deta risina kudzivirirwa, kana kutsvaga zita rako pachako kuti uone kana mumwe munhu ari kukutsvaka iwe kuti ubhadhara kubatsirwa.
Dana iyo Life Insurance Company Makonditi Phone Number
Iwe unogonawo kushevedza inshuwalense yehupenyu inonzi claim line, kana iwe uchiziva kuti kambani ye inshuwarisi yehupenyu, uye bvunza kuona kana iwe uri mubatsiri akarondedzerwa pamutemo. Dzimwe nguva, kunyange kana vanhu vachirasikirwa nemakore aya, vangave vachirondedzerwa pamutemo, zvichida nekuti ivo pakutanga vakanga vakanyorwa sevasingashanduki uye vasingagoni kuchinjwa, kana nokuti munhu anenge apfuura aida kungoisiya se chipo chinoshamisa.
Ndeupi Mamwe Mashoko Aunoda Kuita Mhosva yeParamisi Inorasikirwa neInishuwarenzi yeupenyu?
Kazhinji kana iwe uri mubhadharo, muurayi weimba kana mumwe wevanotevera vemumhuri, sewakaroorana naye, vekugara naye , vana, vazukuru, munin'ina kana vanasekuru, unogona kupa:
- uchapupu hwokuti ndiwe ani
- kopi yechipatimho chekufa
- iyo nhamba yevakafa yeruzhinji rwevanhu
Zvichienderana nemamiriro ezvinhu uye nemitemo, izvi zvingakubatsira kuti uwane hutano hwakatanga. Kambani yeInishuwarenzi ichakwanisa kukutungamira kuti ungaita sei.
Nzira yekudaidzira Lost Life Insurance Inobatsira
Taura newaini iyo inotengesa mutemo, kana kuti kambani yveshuwarisi inoti dhipatimendi. Vaudza ivo nezvekurasikirwa kwemubati wepambisi, vapei neruzivo rwavanokumbira. Kambani yveshuwarisi yehupenyu yese yakasiyana, unofanira kutaurirana navo kuti utange matanho.
Ko kana iwe Usingazivi Ipi Inhu Inishuwarenzi yeupenyu yakabudiswa nePurojekiti?
Ramba uchiverenga uye isu tichakubatsira iwe kuti uone izvozvi zvinotevera
05 Kurasikirwa Upenyu Inishuwarenzi: Tsvaga Ndeupi Inishuwarenzi Ikambani Inotungamirirwa Purojekiti
Kana iwe usingazivi kuti ndiani wekambani yema inshuwarisi yehupenyu ikozvino, hurumende yako yehurumende yemishandiro ehurumende inogona kukubatsira kuti uwane iyo yerishuwarenzi yehupenyu yakabudisa mutemo wemudiwa wako kana uchiziva kuti vaiva ne inshuwarhu yehupenyu, asi hauzive kuti uzviwane kana kuti uzviwane. Chenjerera kuti uzive kuti ndedzipi iyo mutemo wakatengwa mukati uye kwete apo munhu akafa ndicho chinokosha. Iwe unoda kuonana nehurumende mutungamiriri kubva mune zvekutenga.
Apo Upenyu HweInishuwarenzi Inoshanduka Maitiro: Ungawana Sei Idzva
Kana kambani ye inshuwarisi yehupenyu iyo yakachengetedza mutemo wako (kana mutemo wemudiwa wakafirwa) yakashanduka uye iwe hausati wava kuziva kuti inishuwarenzi yehupenyu ndeyei, unogona kutaura nehofisi yako yehurumende mahofisi nekuwana hofisi muhurumende yako , uye vachakwanisa kukupa ruzivo uye zvinyorwa zvezita remishonga yveshuwarenzi yehupenyu ikozvino, kana pakave nekubatana kwekambani dzemishuwarenzi, uye ndiani angabatanidzwa kuti awane ruzivo rwaunoda pamusoro pehushandi yemishonga inshuwarisi yehupenyu, kudai kana kubhadhara.
Zvimwe Zvinyorwa: Aya anotevera ane hurongwa hwehupenyu hwehutsva hunotsvaga: Alabama, California, Kansas, Louisiana, Missouri, North Carolina, New Hampshire, New York, Ohio, Oklahoma, Oregon, Texas, Vermont.