Inishuwarensi yeHarare inokubatsira kuti urambe uine zvikwereti zvakadai sekubhadhara mari , zvokudya, zvipfeko, mari yekubhadhara uye nezvimwe kana iwe ukaremara uye usingakwanisi kushanda. Kuziva kuti mhuri yako yekuchengeteka kwemari yakachengetedzwa inogona kufamba nenzira yakareba kukupa rugare rwepfungwa. Kazhinji, inshurensi yekuremara inopa kupi zvako kusvika kune 65% yemari yako yakawanda. MetLife ndeimwe yepamusoro-rated inshuwarisi yekambani inopa vashandisi bhizinesi rekuchengetedzwa kwemishonga.
Company Overview
Achitarirwa kuMidtown Manhattan, New York City, mashomanana makambani ehushuwarisi ane nhoroondo yakareba kupfuura MetLife Insurance Company. Yakanga yakatangwa muna 1868 uye ndiyo yehutori hupenyu hwehupenyu muUnited States. Iko kambani ine "A +" yakakwirira neA AM Best inshuwarheni yehutano sangano .
MetLife inopa vashandi inshuwarisi yemishonga yeupenyu, kusanganisira term uye universal inshuwarisi yeupenyu; pamwe nehutano hwehurema hwevanhu vaviri uye vadzidzisi vemabhizimisi, annuities, inshuwarisi yemeno, kumba uye auto inshuwarisi .
Uyezve, unogona kuwanawo zvakasiyana-siyana zvemari yemiti yakadai sekurayira basa , upfumi hwekutarisira, uye kubhadhara mari.
MetLife Disability Plans for Individuals
MetLife inopa zvirongwa zvitatu zvehutano hwehurema hwevanhu:
- MetLife Income Guard : Kuwedzera uye kugadziriswa kwekodzero yakagadzirwa nehuwandu hwekugovera zviitiko zvevatariri uye vezvechiremba. Urongwa urwu hunowanikwa mune zvose zvese kunze kweCalifornia.
- OMNI Zvidimbu : Zvikwata uye zvakagadziriswa zvekuchengetedza mari yekusarudzwa kwevatengi mubhajheji. Urongwa urwu hunowanikwa mune zvose zvese kunze kweCalifornia.
- Mushandi Wemari-CA Chete : Urongwa urwu kune avo vanochengetedza mapurogiramu eCalifornia uye vanobvumira kupararira kwakakura kwevashandi nevakuru vehutano nechisarudzo chakanaka chinokubvumira kutenga chinyorwa chinowanikwa pasina kunyora pasi.
Disability Insurance Policy Riders
MetLife inopa vashandi vayo kwenguva yakareba uye kwenguva pfupi yechirwere chekuchengetedzwa kwemishuwarenzi iyo inogadziriswa nevatasvi vayo vanogona kuwana zvimwe zvingabatsiridza zvingabatsirwe. Heino mhedziso yevanosarudza vatasvi vemagetsi:
- Chipatara Chirongwa Chekuwana Zvikwereti Zvikwereti Rider: Mutasvi wechipatara anotasva mari achabhadhara $ 500 pazuva kuti apinde muchipatara uye kaviri inobatsirwe kana iwe uri muchikwata chekuchengetedza zvakanyanya.
- Njodzi Mushonga Wezvokurapa Kwemari: Unogona kukugadzirisa hurongwa hwako hwekuremara nekuwedzera mutengesi wemutengo wezvokurapa mune zvechiremba uye unogamuchira $ 1 000- $ 5,000 pamitemo yezvechiremba inowanikwa mushure mekukuvara. Mari yacho inobhadharwa kwauri mushure mekunge iwe uchibhadhara kuchipatara.
- Kudzoka kwe Premium Benefit Rider: Iyi sarudzo inosarudzira kune avo vanoda sarudzo yekugamuchira zvakare kushandiswa kusati kushandiswa. Mushure mokunge mave nemutemo wenyu wekuremara kwemakore gumi, munogona kugamuchira 50-80% yeipi yekushandiswa kwema $ premium kunze kwezvimwe zvirevo. Izvi zvinowanikwa kune mazano maviri kwenguva refu uye kwenguva pfupi.
- Social Insurance Supplement Benefits Rider: Izvi zvinogona kuwedzerwa kumutemo weLetLife kwenguva refu yekuremara kubhadhara zvikwereti zvakare kune insureds dzisingakodzeri kuwana Social Security kana Worker's Compensation benefits.
Pros & Cons
MetLife ine nhoroondo yakareba uye ine kambani ine mari yaunogona kuvimba nayo kuti uve pedyo apo iwe unoda kuita inshuwalense yehurema. Kambani inopa zvakakwana kusarudzwa kwezvikomborero uye zvisarudzo zvakagadzirirwa kukupa iwe kushanduka kukuru paunosarudza inshuwarisi yehurwere. Zvose zvirongwa zvekuremara kweMetLife hazviwaniki mune imwe nyika uye webhusaiti zvakanyatsorongeka, inonyora kuti MetLife Income Guard Plan haisi kuwanikwa muCalifornia.
Contact Information
Iwe unogona kushanyira webmasiti yeLetLife Insurance kuti udzidze zvakawanda pamusoro pehutano hwehutano hwehutano nemamwe michina yemishuwarisi kana kudana 1-800-638-5000.
Iwe unogonawo kutumira email MetLife uchishandisa Contact Us feature.