Inishuwarenzi mitemo inofanirwa kuongorora inofanira kuva chikamu cheurongwa hwemari
Zvakakosha kudzokorora inishuwarenzi pane imwe nguva. Kazhinji kacho tinoisa inshuwarisi mitemo kunze kwepadheti yefaira uye tinokanganwa kuti zvimwe zvinhu zviri mazviri zvinoda kuongororwa kubva panguva-kusvika-nguva.
Nzira iri nyore yekugadzirisa nekudzokorora yako inshuwarisi mitemo ndeyokugadzira summary summary policy pezano rimwe nerimwe. Yakawanda yemishuwarenzi ine peji iri mberi kwebvumirano yeinishuwarenzi iyo inonzi " mapeji ekuzivisa " kana kuti "chidimbu chemazano." Ichava nehuwandu hwehuwandu hwaunoda kuongorora.
Iwe unogonawo kuumba purogiramu yako pfupiso template pane padhi pepaji, mune rimwe gwaro remashoko, kana mune faira rakanaka. Nokunyora pasi ruzivo rwakakosha mune rako pachako template rinogona kukubatsira kuti uzvinzwisise uye uriyeuke.
Chero nzira, tanga nekuongorora zvinyorwa zviri pasi apa:
- Mhando yePurogiramu - Ndiyo inshuwarhu yehutano , inshuwarano yehupenyu, yemazuva ano inshurensi yekuchengetedza, inshurensi yehurema, pfuma uye kuurayiwa kwehushuwarenzi, kana auto mothuwarisi? Kana uri kuongorora kana kupfupisa hushandi yemishandiro yveshuwarenzi yeupenyu, tsanangura kuti ndeupi rudzi rwehushandisi hwehupenyu hwehupenyu huri: hupenyu hwemakore, hupenyu hwose, hupenyu hwehupenyu hwose kana hupenyu hwehupenyu.
- Inishuwarenzi Mutengesi - Ndianiko kambani yeinishuwarenzi iyo inopa inshuwarisi? Chengetedza nhamba yebasa rebasa raunogona kudana, kana kuti ruzivo rwekufambisa rwemumiririri wako weinishuwarenzi.
- Nhamba Nhamba - Iwe uchagara uchida nhamba yako yenhaurirano paunoshevedza uye kubvunza mibvunzo pamusoro peinishuwarenzi.
- Zuva rakabudiswa - Zvakakosha kuziva zuva iyo inshuwarisi yakabudiswa, kunyanya kana inosvika kune inshuwarisi yehupenyu, sekuti term inshuwarisi ine nguva yekupera, uye inshuwarisi yekusingaperi ichapa mvumo yekuzvipira iyo inogona kushanda kana iwe ukabvisa mutemo mumazana mashanu kusvika makumi maviri okutanga makore.
- Premium Inodiwa - Nguva dzose chengetedza purogiramu yaunobhadhara iwe uye inowanzobhadharwa sei. Munyaya ye inshuwarisi yehupenyu hwose, mutemo unogona kubhadharwa . Muchiitiko ichocho, kana iwe uri kuumba chidimbu chepurogiramu iwe unogona kunyora "Hakuna mapaimisi anodiwa panguva ino apo mapumisi ari kubhadharwa nezvikamu mukati memutemo." Kune mamwe marudzi einishuwarenzi, unogona kutarisa chimwe chinhu se "Premium ye $ 225 pamwedzi inobhadharwa kubviswa kwekutsvaga kubva pakuongorora kambani."
- Inishuwarenzi - Ndivanaani vanobatsirwa nayo; iwe, wako, wako, kana mwana anovimba naye?
- Mubatsiri - Inishuwarenzi yehupenyu, ndiani anobatsirwa? Kana ari wekare-kana mudzimai waunofanirwa kunzi iwe usati waroorana, taura nekambani ye inshuwarisi kuti uchinje fomu yebatsiri kuti uwane ruzivo rwakarongeka. A kuda kana kuvimba hakungatarisiri izvi . Iwe unofanirwa kuzadza fomu yakakodzera uye woitumira zvakare kumakambani einishuwarenzi.
Kana uchinge uine zvigadziriro pasi, iwe unoda kutarisa mashoko ehutano kuitira kuti unzwisise kuti zvibatsiro zvinoshanda sei, uye ndezvipi zvingashandise. Kutarisa mashoko acho kunogona kukubatsira kuti uone nzvimbo dzaunogona kuverenga zvakare, kuvhara kukuru, kana nzvimbo dzauri pasi-inshuwarisi.
Kuti uitirwe hupurogiramu yakazara yehushumo inodana mushandi wako, kana kuisa musangano pamwe navo, uye uite kuti vakufambe kuburikidza nechimwe nechimwe chepurogiramu yako, kutsanangura kana zvingashanda, sei iwe waizokodzera, uye kuti unobhadhara zvakadini. Pasi pane pfupiso pfupfupi yemashoko aunoda kuongororai kune rumwe rudzi rwe inshuwariti iwe unogona kuva nawo.
Upenyu HweInishuwarenzi Yezvehupenyu
Nokuda kwe inshuwarisi yehupenyu, chengetedza ruzivo rwehuwandu hwekufa, uye chero vamwe vatasviki vakadai sekuregererwa kwepayumu muitiko wekuremara, kana kukwanisa kuwana ruzivo rwekufa kare munguva yechirangaridzo ine chirwere chisingaperi.
Kana iwe uine mutemo wechirevo, isa chiyeuchidzo pane kalendari yako gore mutemo wakagadzirirwa kupera. Iwe uchada kuongorora zvingasarudzwa panguva iyoyo uye ona kana uchiri kuda inshuwarano yehupenyu .
Mukuwedzera, kana hurongwa hwako huine mari inokosha, tarisa kushanda kwezvikwereti mukati maro, uye sidza iyo kambani yveshuwarisi kuti ikumbire chimwe chinhu chinonzi "mu-mufananidzo wemasimba." Mufananidzo we-in-force uchajekesa kuti chirongwa chinofanira kuita sei kubva ikozvino muhupenyu hwako hwose. Kana hurumende yaita zvakanaka uye inotarisirwa kuti ienderere mberi, iwe unogona kukwanisa kubhadhara mari yepamberi. Kana iyo sarudzo isati yaita zvakanaka, iwe unogona kubhadhara miriyamisi yakakwirira kuti uite kuti ishande. Kudzokorora mitemo nguva dzose kunogona kukubatsira kuti utarisire kuchinja kwehupenyu huri mberi.
Nguva Yenguva refu Kuchengetedza Inishuwarenzi Inobvunzwa
Kwekuchengetedza kwenguva refu yveshuwarenzi, iwe unofanirwa kuziva "zuva nezuva" kubatsirwa, uye nguva yakareba sei inobatsira.
Somuenzaniso, mutemo wako unogona kubhadhara $ 100 zuva nezuva kwemazuva mashanu muchiitiko chaunokodzera kubhadhara kwenguva refu. Iwe unodawo kuziva kana hurongwa hwako hunoisa mukati-kumusha kwepamusha kana kuti hutano hupi hupi hupi hupi hupi hupi hupi huri munzvimbo inochengetwa. Kuti uve akakodzera kubatsirwa, mitemo yakawanda inoda kuti iwe unoda rubatsiro nemabasa maviri kubva pamatanhatu ehupenyu hwezuva nezuva uye ichava nemhando yekumirira kwemazuva 90 kana mazuva 120. Kana nguva yakareba yakamirira, mari yako yakawanda yaunoda kuisa pairi kuitira kuti iwe unogona kubhadhara kunze kwehomwe kana kuda kwenguva pfupi kuchidikanwa kunowanikwa.
Health Insurance Insurance Review
Nokuda kwehutano inshuwarano, ita nechokwadi kuti unoziva yako deductible uye yakawanda kunze kwe-podhai mari. Somuenzaniso, kana chirongwa chacho chaine $ 3,000 chakakonzerwa uye mari ye $ 6,000 inenge isina mari, iwe unoda kuva ne $ 9,000 muchengeti inokurumidza kana Aalth Savings Account kuti ishandise nokuda kwechinangwa ichocho. Iwe unoda zvakare kuziva zvakadai se "mutemo unobhadhara 80% yehupfumi hwakavharwa mushure mokunge ndaita $ 50 kubhadhara."
Disability Insurance Review
Pamushuwarenzi wekuremara, unoda kuziva mutero wegore negore unobhadharwa, waizokubhadhara kwenguva yakareba sei, uye kuti sei kambani yveshuwarisi inotsanangura kuremara. Nhungamiro inongobhadhara chete kana iwe uchinge warasikirwa noruoko uye gumbo hazvibatsiri kuvanhu vazhinji. Kuremara kwakawanda hakusi kwechimiro ichocho.
Nyanzvi dzinoda hurumende inodzivirira kukwanisa kwavo kushanda mumabasa avo chaiwo. Somuenzaniso, chiremba anovhiya anoda minwe gumi; kana vakakuvara uye vachirasika kushandiswa kwemunwe, zvichida kune mabasa mazhinji avangadai vachiri kuita, asi hutano hwakanaka hwekuremara hwavo hucharamba huchipa rubatsiro kwekanguva, nokuti havagoni kuita kuvhiyiwa.
Imba uye Kuparara Inoshuwarenzi
Nokuda kwepfuma uye kuurawa kwehushuwarisi, tarisa kutara kwako kwose kune zvaunayo, uye kumatare ako anokosha. Sezvo mambure ako akakodzera kukura, mari yehushandiro yekudzivirira iwe unofanirwa kuwedzera zvakare. Kana mumwe munhu akakuvadzwa pfuma yako uye akakubvunza iwe, inguva yako yekuvhara inogona kukwira here? Inobatsira kuziva kuti zvinhu zvipi zvisingabvumirwi kubva kune chinyorwa. Zvakanakisisa kuti uongorore izvi neainishuwarenzi yako uye gadzirisa kugoverwa sezvinodiwa. Kana iwe uchitanga bhizinesi kunze kweimba yako, iva nechokwadi chekuunza izvi kumushandi wako. Hungu, kuwedzera kugoverwa kunogona kudiwa, asi zviri nani kubhadhara purogiramu shoma kuti ive nezvinhu zvakaputirwa pane kuti uwane kuparara kunoparadza kusati kwaonekwa.
Kudzokorora mitemo hakusi kufadza, asi iyo inhengo yehupenyu hunogara kwenguva refu yekugadzirisa mari.