80% Overestimate the Price of Term Life Insurance
Term Life Insurance Inotsanangurwa
Indhuwarisi yehupenyu yemazuva mashoma ndeyehupenyu hwemushuwarisi hwehupenyu huripo hunopa inshuwarano yehupenyu panguva yakatarwa pane imwe nguva yakareba. Mitsara yakajairika yehupenyu huripo ndeye 5, 10, kana makore makumi maviri, kunyange zvazvo dzimwe nzira dzingabvira. Iyo yakareba izwi, iyo inodhura mari iyi inogona kuva yakawanda sezvo ichivhara nguva yakareba kwenguva refu, saka njodzi yeaifisi inouraya munguva iyi ichawedzera.
Inishuwarenzi yehupenyu yehupenyu inopa rubatsiro rwekufa uye haina mari inokosha.
Inishuwarenzi yehupenyu inofunga kuongorora nguva iyo panguva yekutenga mutemo, saka vaduku iwe paunotenga hupenyu hwemakore, iyo inodhura zvishoma ichava.
Nei Chirevo Cheupenyu Hweupenyu Hwemhuri Huri Kudhura?
Inishuwarenzi yehupenyu yemazuva endarama isiri yemainishuwarenzi yehupenyu husingadhura uye chisarudzo chakanaka kana iwe uri mubhajheti nokuti ndeyenguva pfupi uye inopa chete rubatsiro rwekufa kune vanobatsirana nehutano kana iyo inshufu inouraya panguva inenge isina nguva yehutungamiri.
Dambudziko iri rakaderera kupfuura inshuwarisi yehupenyu hwose kana maitiro ehupenyu hwehupenyu hwose , uye saka inshurensi yemazuva ezuva ndiyo inoda mari yakashata muhushandi hwehupenyu hweinishuwarenzi. Kusiyana nehupenyu hwakazara uye zvisikwa zvose zvehupenyu, hapana mari inokosha mumutemo, saka mari yepuraimari inongova yveshuwa yehupenyu rufu inobatsira, iyo inochengetedzawo mari inoderedza. Upenyu hwehupenyu haisi chinhu chisingafadzi chinotarisira zvidzidzo: kupa mari kune vanovimba newe kana iwe uchifa kamwe kamwe.
Vanhu vazhinji vanozviona sehushuhu husingakwanisi uye hwehupenyu hwehutano inshumo.
Nguva Yehupenyu Inishuwarenzi Inogona Kuva Yakakosha Kupfuura Iwe Unofunga
Maererano neChipiri cheAinishuwarenzi yeBurometer Study, 80 muzana yevatengi vanofungidzira mutengo we inshurensi yeupenyu. Zviuru zvemakore zvinodhura zvinodhura ne 213%, uye Gen X inofungidzira mari ye 119%.
Chii Chinoitika Pashure Pemazuva Ekupedzisira Inishuwarenzi Inopera?
Kana imwe nguva yemutemo ichipera, iwe unogona kusakwanisa kutora bhizimisi remishonga yemainishuwarenzi mutsva purogiramu yakaderera yawakanga wajaira nokuti mutemo mutsva waizove uchienderana nezera rako. Iwe mukuru iwe ndiyo inodhura mari inishuwarenzi yehupenyu inova.
Kana iwe uchingorwara uye nguva yako inshuwarano yehupenyu inopera iwe unogona kunge uchinetseka kuwana nguva mutsva inorarama inshuwarisi yemutemo.
Kuti udzivise matambudziko, chimbofunga pfungwa yekuwedzera kubvumidzwa kune nguva yako yveshuwarisi yehupenyu hunoita kuti iwe uchitendeuke kuhupenyu hwehupenyu hwose pamagumo emhedziso, kana kuti uwane mutemo unogona kudzorerwa zvakare. Mutungamiri wako wehushuwarisi yehupenyu anofanirwa kudzokorora izvi zvisarudzo newe.
Convertible uye Renewable Term Life Insurance
Renewable and convertible term insurance rinogona kukubatsira kuti urege kuzvitsvaga pane imwe nzvimbo uko iwe usina kuvimbiswa kana kusingagoneki. Semuenzaniso, kana iwe uchida makore gumi ekudhura kwemazuva mashoma inshuwarisi yehupenyu uye pamagumo ezwi iwe unoda "kutendeuka" kune imwe nguva yemainishuwarenzi yehupenyu hwehupenyu hwakafanana nemutengo wemari yemari pasina kutora imwe chirwere chekurapa , iwe unogona kusarudza nguva yekutengesa upenyu yveshuwarenzi yehupenyu.
Nguva Youpenyu Inishuwarenzi uye Nguva Inopikisa
Kusarudza inshuwarisi yehupenyu huripo inogona kudzorerwa kana kushandiswa kunogona kukudzivirirawo kubva panguva inopesana inishuwarenzi yehupenyu, iyo inobvumira kubhadhara kwekufa rufu kunogona kuongororwa uye kunorambwa munguva yekukwikwidza .
Nguva yekukwikwidza inowanzogara makore maviri kubvira musi wehutano hutsva. Kana chinangwa chenyu chiri kuchengetedza inshuwarano yehupenyu kupfuura nguva yekutanga, iwe unofanira kukubvunza iwe mupiriri pamusoro peizvi.
Kusarudza Kana Murairo Wemazuva Ano Inishuwarenzi Ndeye Iwe
Inishuwarenzi yehupenyu yehupenyu haisi kuvaka mari inokosha kana ine mitero inobatsira se inshuwarisi yehupenyu hwehupenyu kana hupenyu hwose , asi inogona kuva chinhu chikuru kune mumwe munhu anoda shuwarhu yehupenyu, asi haakwanisi kutenga premium yakakwirira. Heino chinyorwa-chinyorwa chinokubatsira kuti usarudze kana ine inshumo yemazuva mashoma yveshuwarenisi yehupenyu yakakunakira iwe:
- Iwe uri mubhajheji uye haugoni kutenga premium yakakwirira.
- Iwe uri muduku uye une hutano hwakanaka.
- Iwe uri kutsvaga iri nyore, yakananga-mberi, yakaderedzwa inshuwarano yehupenyu hurongwa hwekuchengetedza vatsigiri vako.
- Iwe uri muchengeti wepakati uye haudi yveshuwarisi yehupenyu kwenguva refu, asi unongoda kutenga kugoverwa semugumisiro wemamiriro ezvinhu epanguva pfupi, kana kushumira nguva yakatarwa nguva.
- Iwe unoda kubhadhara inshuwarisi yako yehupenyu iripo nehurumende yechipiri kwenguva shoma.
Gore rega rega Rinowable Term Life Life Insurance vs. Level Premium Term Life Insurance
Iwe unogona kuva nemhando mbiri dzakasiyana dzemishuwarenzi yemazuva ehupenyu:
- Gore negore Renewable Term Life Life Insurance inopa inshuwarisi yehupenyu hwehupenyu gore rimwechete panguva uye inovandudzwa gore negore. Iko kuwedzera kunomuka kana iwe uine makore, saka kutenga mutengo wegore negore rekuvandudzwa kweshoko hakusi sarudzo iyo vanhu vazhinji vanoenda nayo. Paunofunga nezve inshuwarisi yehupenyu, iwe unowanzove uri kufunga kupfuura gore rimwe chete panguva. Nhungamiro yakaita seyi inowanzoshandiswa sechikamu chepfungwa huru.
- Level Premium Life Insurance inopa mutori wehurumende kubhadhara mari yakasarudzwa pane imwe nguva yakatarwa. Purogiramu yegore negore yaunobhadhara inofanirwa kuti isasashandise munguva yemitemo yako, kana makore mashanu, 10, 20 kana kusvika makore makumi matatu. Uine bhizimisi remitengo yehutano inshuwarisi yemitemo iwe uri kuvhara mudivi uye hauzovi nechishamiso, kana kuti kuchinja kuchinja apo sarudzo iri kushanda.
Kutaura neInishurensi Yako NezveInishuwarenzi Yemainishuwarenzi Ehupenyu
Pose paunotarisa kutenga inishuwarenzi ivai nechokwadi uye regai muongorori azive zvauri kuedza kuita, uye iwe uripi muupenyu. Inishuwarenzi yehupenyu chikamu chekugadzirisa zvemari uye zviri nani kuti mumiririri wako anzwisise mararamiro ako ezvino uye zvinangwa zvekugara kwenguva refu, zviri nani mazano avanogona kukupa. Kana iwe uchinzwa uchinakidzwa chaizvo nemumiririri wako, tsvaga mumwe munhu waunonzwa wakasununguka naye.
Unoda kuvaka kukosha kwemari uye kuve nekugoverwa kwenguva refu? Tarisa inshuwarisi yose yehupenyu: Whole Life Insurance Policy Choices