Zvizvarwa zvinotakura hazvirevi mutero iwoyo wekushaya mutero rufu; rubatsiro rwekufa runowanikwa runotengesa.
Sei Vamwe Vangave Vachida Kuisa Rufu Rwokufa kune SPIA?
Mhinduro shoma ndeyekuwana mari uye nhaka. Chaizvoizvo, iwe unogona kuuraya shiri mbiri dzebvumirano nekonesheni ine hutano hwakanakira rufu. Zvakakosha kuti vanhu vakawanda vave nechokwadi chekuti avo vanobhadhara kana vagari venhaka vanowana mari kana vachipfuura . Iwe unogona kuita sangano revatendi veSSPIA kuitira kuti rufuro rwekufa ruvakwe mumutemo, apo iwe unogamuchira mararamiro ehupenyu hwose. Izvo zvakafanana kaviri kutamisa ngozi. Ngozi yekubuda kwemari yako, uye njodzi yekukwanisa kusiya mari inobhadharwa kufa. Zvose izvi zvinokonzera zvinogona kuvimbiswa kushandiswa kubudiswa kwegore.
Pano pasina Chinyorwa kana Kubvumirwa
Kana mweya wako unogona kubhururuka girazi, gore rinotsigirwa kuti ribudiswe. Kuti uwane inshuwarisi yehupenyu, iwe unofanirwa kuenda kuburikidza nekuongororwa kwezvokurapa uye kuongororwa kweropa pamwe chete nekuongorora kwakadzika kwehupenyu hwako hwehutano.
Icho chaicho-kwete mamiriro ezvinhu kuvanhu vakawanda.
Kana iwe uine ruzivo nemamiriro ezvinhu aya, zvakanaka kuti unzwisise kuti Rated Immediate Annuities inopa huwandu hwekubhadhara nekuda kwehutano husina kunaka . Zvakakosha kutsvakurudza chigadzirwa kana iwe uri kutsvaga zvikwereti zvakavimbiswa. Kuongororwa kwehutano hakusi kufanana nekushuwarisi yehupenyu, asi iwe unoda kuratidza kuti hutariro hwako hwehupenyu hunoderedzwa nehutano hwekukodzera.
Vatakuri vanosangana newe paunenge uripo, uye vanobvumirana kuva nechibvumirano chekubhadhara iwe pasinei nekugara kwenguva yakareba sei, zvakafanana nepi nepiyo SPIA ine zvipo zvehupenyu.
Muenzaniso Urongwa: Upenyu Hune 50% Rufu Runobatsira.
Zvinoreva kuti zvikwereti zvakavimbiswa nekuda kwehupenyu hwako, pasinei nekugara kwenguva yakareba sei. Kana iwe uchirarama nezera rakakura re 137 (iwe unotarisa uye unhuhwidza semuchena!), Kambani inobhadhara annuity iri pachikwereti kubhadhara. Icho ndicho chikonzero chechokwadi chekubhadhara kwehupenyu hunovimbiswa chechikamu cheNye Premium Immediate Annuity (SPIA).
Ita 50% yeRubatsiro rweRubatsiro rwekufa inoreva kuti pasinei nezvinoitika nehutungamiri hweSSPIA, hafu yekambiso yekutanga ichaenda kune avo vanobhadhara mumutengo wemari. Saka kana iwe ukaisa $ 500 000 mu "Upenyu ne50% Rufu Rwenhabatsiro" SPIA, ipapo $ 250,000 inopihwa kubhadharwa kune mazano ako akarongwa mazano. Rufu irworwo runobatsira chibvumirano chibvumirano, pasinei nekugara kwenguva yakareba sei uye mari yakawanda yaunowana kubva kuSSPIA.
Vakuru Mukurumbira Kwekufa, Kubhadhara Kwekubhadhara
Nzira dzinozivikanwa zvikuru dzekugadzira ruzivo rwekufa ne contract ye SPIA ndi "Upenyu ne25% Rufu Rwokubatsira", "Upenyu ne50% Rufu Rwokubatsira", kana kuti "Upenyu ne75% Rufu Rwakabatsirwa."
Makambani ekubhadhara mari ane zvivakwa zvikuru nokuda kwechikonzero. Havana kupa chero chinhu pasina. Ichokwadi ichocho chiri chokwadi chinoshanda kumabatiro aunosarudza kugadzira chikamu cheSSPIA.
Saka pane pane chirongwa chepenjeni chinobvumirana nekufa kwepabonde here? Mhinduro ndeyekuti hongu. Inonzi "Upenyu neRufu Rubatsiro" Premium imwechete Yakawanda Yakawandisa.