Personal Inishuwarenzi

Life Insurance

Inishuwarenzi yehupenyu ikonesheni pakati pekambani ye inshuwarisi uye munhu, iyo iyo kambani yveshuwarensi inobvuma kuti kana munhu ("anishuwarenzi") achifanira kufa munguva yehupenyu hweinishuwarenzi yehupenyu, kambani yeinishuwarensi ichabhadhara mari yakafanotarirwa yakawanda kune avo vanobatsirwa vakasarudzwa nevakatsigirwa pavakafa.

Inishuwarenzi yehupenyu inogona kutengwa kune imwe nguva yakatarwa, kazhinji yemakore mashanu kusvika ku30, kana nechisimbiso.

Zvikonzero Zvokutenga Upenyu Inishuwarenzi

Vanhu vanotenga inshuwarisi yehupenyu nezvikonzero zvakawanda. Chikonzero chinowanzoitika ndechekusiya mari kumhuri yako kana iwe uchifa, kuitira kuti varege kupera mumatambudziko emari nekuda kwekushaiwa mari. Zvisinei, pane zvimwe zvikonzero zvishoma zvekutenga inshuwarisi yehupenyu iwe unogona kufunga:

1. Kuvhara mariro yemari
2. Kuti uwane chikwereti chako panzvimbo pokutenga inshuwalisi kuburikidza nebhangi
3. Kubhadhara chikwereti chikwereti kana zvimwe zvikwereti kuitira kuti imba yako kana mhuri isasungwa nematare ako
4. Kubhadhara mitero yemitengo
5. Kudzivirira mararamiro omumwe wako, kunyange iwe usina vana
6. Kuti udzivirire mararamiro ako emangwana nekuvhara mu inshuwarisi yehupenyu hwepasi paunenge uri muduku, utano, uye usina dambudziko nekurapa kurapwa
7. Kuvaka pfuma sechikamu chemari yako mazano

Upenyu Inishuwarenzi Ichokwadi Chingaita Kuti Uchishamise Iwe

Maererano ne2016 Trends mu Life Insurance Ownership kudzidza:

• 84 muzana veAmerica vanofunga kuti vanhu vazhinji vanoda inshuwarisi yehupenyu
• 70 muzana vakati vaida inshuwarisi yehupenyu, asi 41 muzana yeAmerica vakanga vasina

• Mireniyamu akawedzera-akafungidzira mutengo we $ 250,000 yveshuwarisi yehupenyu hwehutano ne3 kana 4 nguva iyo mari chaiyo
• 83 kubva muzana veAmerica vakafunga kuti vaizoona inshuwarisi yehupenyu kana zvaive nyore kunzwisisa

Iyo data, zvino, inoratidza kuti pane zvimwe zvinhu pamusoro pe inshuwarisi yehupenyu iyo inopesana nemunhu akawandisa. Tichajekesa zvimwe zvisiri izvo, tsanangudzo dzehutano hwehupenyu hwehutano, uye mhinduro dzemibvunzo shomanana yakadai seyi:

• Iwe unonyatsoda inishuwarenzi yehupenyu here?
• Unofanira kuitenga rini?
• Ndeipi yveshuwarisi yehupenyu yakanakisisa ?
• Ndingachengetedza mari sei inshuwarisi yehupenyu?

Ndeapi Marudzi Akasiyana eUpenyu Hunishuwarenzi?

Ngatitange nekufamba nenzira dzakasiyana-siyana dze inshuwarisi yehupenyu, uye zvinowedzera uye zvinotapira zveumwe neumwe.

• Nguva Youtano Inishuwarenzi : Indaneti yemainishuwarenzi yehupenyu ndiyo inogadziriswa inoshandiswa iyo inokubvumira kuti uone kushanduka kwehutano maererano nekureba kwenguva yakadii iwe unoda mutemo we, uyewo kusvika pamucheto we inshuwarisi. Nemhaka yokuti ndeye nguva yakatarwa, iwe unogonawo kukumbira chiyero chakatarwa chinokubvumira kuronga mari yako yehesi yakatarwa. Inishuwarenzi yemazuva inotanga pamakore mashanu uye inogona kusvika kusvika ku30. Iyi ndiyo yakashata yakasarudzwa.
• Whole Life Inshuwarisi : Inishuwarenzi yehupenyu hwehupenyu ihupenyu husingaperi hwe inshuwarisi yehupenyu nokuti inokufukidza iwe kwenguva yehupenyu hwako. Kusiyana nemishuwarenzi yemazuva iyo inopera mushure memakore akawanda akasarudzwa iwe unozvidzivirira iwe. Kuvhiringidza kune vamwe vanhu mune hupenyu hwehupenyu hwose ndeyekuti mari yepurayamisi inowanzokwirira.
• Zvose Upenyu Hwende Inishuwarenzi: Upenyu hwehupenyu hwepasi rose inoratidzira yveshuwarisi yehupenyu hwose Munguva yakapfuura nhoroondo yehupenyu hwepasi rose yakakonzera vanhu vazhinji kuti vave vakangwarira nekuda kwekutsvaga mari yeimwe chikamu chemarikambani. Inogona kuva chinhu chinonakidza kana iwe uchizviudza iwe pamusoro pezvibatsiro, zvakadai semukana wekuzobhadhara mari kubva kune inshuwarisi yehupenyu hwako .

Kuchinja Upenyu Hwakakwana Kumhuri Yese Inishuwarenzi

Kana iwe usingazivi kuti mutemo unoshanda zvakadini kwauri, unofanirwa kufungawo kubvunza kuti kana iwe ukatenga chinhu chine mari shoma, chine mari shoma seyakare remishonga inshuwarano yehupenyu, kana iwe uine sarudzo yekushandura muupenyu hwose mutemo gare gare.

Unogona Kuwanepi Inishuwarenzi yeupenyu?

Iwe unogona kutenga inshuwarisi yehupenyu zvakananga kuburikidza nekambani yemishuwarenzi, kuburikidza ne inshuwarisi yeupenyu inshuwarari kana wezvigadziri zvemari, kana kuburikidza nesangano reboka kana sangano Vanhu vakawanda vanowedzera kutenga inshuwarisi yehupenyu kana kuti zvakananga kuburikidza nemakambani einishuwarenzi. Dzimwe nguva izvi zvinoratidzika sechinhu chinokurumidza uye chiri nyore, asi iwe unenge usingave uri kuwana zvakanakisisa kugoverwa pamutengo uri kuripa. Nguva dzose chengetedza nzvimbo shomanana kana kushanda neine mari yezvigadziro kana kuti mutengesi kuti uwane mazano kune mamiriro ako.

4 Mazano Okuchengetedza Mari muUshandi Wehupenyu

Kunze kwokusarudza mutemo wehurumende, kune nzira dzekuchengeta mari mu inshuwarisi yehupenyu hwako.

1. Tenga zvakapoteredza ushuwarisi hwehupenyu hwako kuti uwane zvakanakisisa mazinga. Funga kushandisa sveshuwarisi yehupenyu uyo anokwanisa kutarisa makambani ehushandisi ehupenyu hwehupenyu uye mazano ekuti iwe uye akupe iwe sarudzo dzakasiyana-siyana. Kushandisa mutengesi kana mutungamiri wezvemari kuchakupawo mukana wokushanda nemumwe munhu achaongorora zvido zvako uye kuuya nemhinduro dzinoshanda kwauri. Tsvaga mumwe munhu waunogona kuvimba naye uye unakidzwa nekushanda naye uyo anopindura mibvunzo yako yose. Ma inshuwarisi ehupenyu anotongerwa, saka usanzwa sokuti iwe unoda kudana vazhinji vatengesi - ingobata neyo iwe waunoda zvakanyanya, iwe uchawana maitiro akafanana.

1. Tenga inshuwarisi yehupenyu kana iwe uri muduku uye une utano. Upenyu hwe inshuwarisi yehupenyu hunoenderana nezera rako uye hutano hwako. Iwe hauzive kuti chii chiri kuuya mune ramangwana, saka kana iwe uine utano iye zvino, funga kuwana chirongwa chaunogona kupedza chirwere chekurapa uye kuwana mukana wakanakisisa wakavharwa mukati. Iva nechokwadi chekubvunza nezvemarikiti yakatarwa yepamusoro kuitira kuti iwe unogona vanobatsirwa kubva pamutengo usingagumi mukati mezwi remutemo waunosarudza uye hauna zvingashamisika. Kana iwe uine hutano hwakanaka, ita nechokwadi uye utengese zvakapoteredza, ona nhekutanga yepamusoro pamusoro pekushandisa mutengesi nokuti mamwe makambani e inshuwarisi yehupenyu achapa huwandu hwehutano hwehumwe hutano, apo vamwe vachabhadhara mari. Mumwe mutariri wezvemari achakwanisa kukubatsira.
2. Usasvuta. Vanhu vasiri Mutsotsi vanowana inshuwarisi yeupenyu shoma pane vanoputa. Kana iwe utsi, funga kurega. Kunyangwe iwe unogona kutenga mutemo semunhu anoputa, kana iwe unogona kuregera kwemwedzi gumi nembiri, vazhinji vehutsigiri vehupenyu vachagadzirisa maranho kana mave musvuta-kusina. Asi usarega kutenga inshurensi yehupenyu kusvikira iwe ukarega kusvuta, kunyanya kana iwe uine izvi mumaronga; ingotora purogiramu yako, uye uwane kuti mari inenge yakadini kana iwe usiri utsi-husina. Izvi zvingakubatsira kukukurudzira munguva refu, uye mhuri yako ichadzivirirwa apo iwe uchishanda pairi.

1. Bvunza kana pane chiyero chakanaka chekubhadhara mari yako yegore gore pane kugara pamwedzi. Mamwe makambani achapa zviyero zviri nani apo iwe uchibhadhara gore negore.

Inishuwarenzi yehupenyu kuburikidza nebasa rako: Zvakakwana here?

Maererano neThe Best Life Rates 2017 kudzidza, chetatu chevanhu veAmerica vane inshurensi yehupenyu chete vane hurongwa hwehupenyu hwehushuwarenzi hweboka. Kunyange zvazvo zviri nani kupfuura chinhu, kune zvikonzero zvishoma nei iwe usingafaniri kuvimba neshuwarisi yehupenyu iwe unowana kuburikidza nebasa:

1. Iwe unogona kurasikirwa nayo paunoshandura mabasa
2. Iwe uchafanirwa kutora chirongwa chechirwere chetsva kana ukasarudza kuwana mutemo mutsva
3. Muganhu we inshuwarisi yehupenyu hwemapoka ako kuburikidza nebasa rakakosha - somuenzaniso, zvinogona kuva kaviri mubhadharo wako (kana pasi). Izvi hazvikwanisi, mumamiriro ezvinhu akawanda, kubatsira mhuri yako, kana kuvhara zvikwereti zvako nemari yemari munguva refu.

Zvisiri izvo pamusoro peupenyu Insurance, Debunked

Inishuwarenzi yehupenyu inowanzoonekwa semari isingadikanwi kana iyo inobviswa. Heano zvimwe zvinhu zvaungada kufunga pamusoro pako usati wasarudza inshuwarano yehupenyu haisi iwe ikozvino.

"Vanhu Vasingashandisi Havanoda Upenyu HweInishuwarenzi"

Kunyange kana iwe usingashandisi, rufu rwako rucharamba ruchiva nemigumisiro yemari kana iwe uchiita mabasa ekuchengetedza kana kubasa kana mumwe wako achishanda. Kana chimwe chinhu chakaitika kwauri, pangave pasina kurashikirwa kwemari, asi paizove nekuwedzera kukuru mune mari. Kuchengetwa kwevana uye mari yekuchengetedza imba, somuenzaniso, inogona kudikanwa kana iwe wakangoerekana waenda. Kana iwe uchida kuti mhuri yako ichengetedze mararamiro avo uye iine zvinhu zvinotarisirwa nenzira yakafanana yauri kuita ikozvino, iwe unofanirwa kutarisa mari yekubhadhara vanhu kuti vatore mabasa avo kubvumira mumwe wako kuti arambe achishanda nekuwana mari.

"Vanhu Vasina Vana Kana Vakaroorana Havanoda Upenyu HweInishuwarenzi"

Kana usina vana vanovimba kana vana asi taronga kuva nemhuri mushure mehupenyu, unogona kufunga kufunga kutenga inshuwarisi yehupenyu kare muupenyu, iwe uchiri muduku. Upenyu hwehushuwarenzi hwehupenyu hunotarirwa pane zvimwe zvinhu, kusanganisira makore ako uye hutano. Paunenge uchiri muduku iwe uchange uine zvidimbu zvakaderera pane apo iwe pakupedzisira unoroora uye uine mhuri iyoyo.

"Inishuwarenzi yehupenyu Iko Inodhura"

Kurindira kubhadhara madhora asati atenga inshuwarisi yehupenyu sezvinofungwa zvakanaka, asi kana chimwe chinhu chikaitika kwauri mangwana, iwe uchasiya chikwereti chako kumhuri yako. Vaizove vakakwanisa kuvhara zvikwereti uye vagoita mari yakarashika nekuda kwekusipo kwako here?

Pane zvingasarudzwa kune inshuwarisi yehupenyu shoma inogona kutengwa zvishoma zvishoma semadhora maduku pazuva. Kuva neinishuwarenzi yehupenyu shoma ikozvino inogona kubvumira zvakanaka kuchengeteka kwematare emhuri yako.

Zvinotora Nguva Yakadini Kuti Uwane Upenyu Inishuwarenzi?

Pakawanda, inshuwarisi yehupenyu inosanganisira matanho matatu uye inowanzogadziridzwa mumasvondo 4-6 kubvira panguva yekuzadza mukushanda:

1. Kukurukurirana zvingasarudzwa uye nekuzadza muchero ye inshurensi yehupenyu
2. Kutora kuongorora kwechiremba
3. Kugamuchira zviitiko zvekuongororwa kwechiremba uye kubvumidzwa kwekupedzisira, kuwedzerwa kugadziriswa, kana kuramba kwebatsiro

Ko Inishuwarenzi yehupenyu Inobhadhara Pasi Pakupedzisira Mushure Mokutenga Iri?

Makambani akawanda "achakubata iwe" kwehutano inshuwarano yehupenyu kubva panguva yaunotumira chibvumirano pamamiriro ezvinhu anoti:

• Zvinhu zvose zvakave zvichitaurirwa maererano neshoko
• Kuongorora kwechiremba kunouya kuburikidza pasina ruzivo rutsva.

Kumbira kambani ye inshuwarisi yehupenyu pamusoro peizvi panguva yaunosarudza kutenga purogiramu uye isayina chikumbiro. Tsvaga kana kuvhara kunotanga pakarepo kana kana pane nguva yekumirira. Uyewo, chenjerera zvisingabvumirwi mubumbiro rakadai sechirevo chekuzviuraya uye nguva yekukwikwidza .