Chii iSGLI nezvose zvaunoda kuziva nezvazvo
Kwete iSGLI chete inopa nhengo dzebasa zvishoma kudhura kwe inshuwarisi yehupenyu kwenguva refu, purogiramu yeInishuwarenzi inopa nhengo dzeuto rehondo kuti dzisazogona kuwana kune imwe nzvimbo.
Low Cost
SGLI yakafanana zvikuru nehupenyu hwehutano hwehupenyu hwehutano hunoti vanhu vanogara vanotenga kubva kumakambani ehutano hwehupenyu hwehutano nemishonga yehushuwarisi kana nevashandi vavo. SGLI haisi yakasiyana, uye hurumende yeUnited States inopa iyo kumapoka ehondo uye vashoma vanosarudza vamwe vashandi vehurumende vehurumende. Vashandi vehurumende vanobatana ne "boka" uye vanoita SGLI chirongwa chemhuri inshuwarisi yehupenyu.
Nhengo dzemauto dzinogona kutenga SGLI mumadhora makumi mashanu emadhora, asi vanhu vazhinji vanotenga huwandu hwemadhora mazana mana nemazana mana ehupfumi nekuda kwekudhura kwayo kudhura. Muna 2013, mari yepamutambo yeSGLI yakawanikwa iye zvino 6.5 masentimita ne $ 1,000 ekugoverwa kunopiwa nehushuwarisi.
Saka, somuenzaniso, kupararira kwakakwana kwe $ 400,000 muhutano hwehupenyu hwehutano huchasvitsa mutori weuto kuti apedze mari yepamusoro ye $ 26 pamwedzi. Izvi ndizvo zvakafanana kana munhu uyu ari wega wega uyo achangopinda muuto kana mutungamiri uyo anorayira Kurwisana muHondo ye makumi ezviuru zvevarwi.
Zvikamu Zvidiki Zvikuru MuKubatsira
Unoda here kudivive? Iwe unoda kudzidza kudzika ndege here? Izvi zvinokuvaraidza zvikuru zvinogona kuwedzera mapeimisi emishonga yemishuwarenzi yehupenyu kana iwe uchizotenga mutemo kuburikidza nekambani yemainishuwarenzi yehupenyu hwehupenyu. Iyi haisi iyo apo iwe unotenga inshuwarisi yehupenyu neSGLI. Hapana mibvunzo yekupindura.
Uye, chaizvoizvo, hurumende inoda nhengo dzakawanda dzemauto kuti dzidumire kunze kwema ndege kana kunyange ndege dzinobhururuka uye helicopter sechikamu chemabasa avo.
Nhengo dzehondo dzinowanzofanira kutsvaga inshuwarisi yehupenyu hwehupenyu husingaverengi hondo yehondo. Mazhinji inshuwarisi yehupenyu haina kubhadhara kuda kana iwe uchiurayiwa munharaunda yehondo. Asi iyo ndiyo iyo yatinowanzotaurira nhengo dzehondo kuti dziite-enda uye kurwira rusununguko rwedu. SGLI haina mvumo yakafanana nehondo yehondo. Kutaura zvazviri, hurumende inongoramba kubvuma muzviitiko zvisingadikanwi semunhu wenhengo yemushure anofa mushure mekusiya basa rake.
Kwete Kuongorora Term Life Life Insurance
Chirwere chemuviri kazhinji chinonyanya kukosha pakutengesa inshuwarisi itsva yehupenyu. Izvi zvinowanzoitika kana iwe uri kutenga izwi remishuwarenzi yehupenyu kana yveshuwarisi yehupenyu hwose nemari inokosha. Makambani eInishuwarenzi anowanzogadzira chikamu chemishonga yemishuwarenzi yako yehupenyu pane utano hwako uye mukana wekuti iwe uve kurwara kana kufa nekuda kwezviverengero uye zvingave zvakakosha zvirwere zvoutano uye mamiriro emhuri.
SGLI haifaniri izvozvo. Nhoroondo yezvokurapa yemhuri yako kana nhoroondo yako yezvechiremba haifaniri kutaridzirwa kana uchitarisa mutengo weunishuwarenzi yako yehushuga kana kuti iwe hauzove wakavharwa.
SGLI inobatanidza munhu wose ari muchiuto kana vachibhadhara chiyero chepamusoro chepuraimisi pasinei nemamiriro ezvinhu ehutano kana nhoroondo yehutano hwemhuri. Izvi zvinoramba zvichiita kuti inshuwarisi yemazuva mashoma ehushandi yemishonga yehupenyu ishande zvakanaka mari yepamusoro yehuwandu hwekugoverwa kunopiwa kune nhengo dzehondo.
Nguva Hupenyu Hutsinho Inishuwarenzi uye Kuvhara shure Mushure Mokusiya Hondo
SGLI ishoko rehupenyu inshuwarisi chirongwa. Kusiyana neshoko rehupenyu hwehupenyu hwe inshuwarisi yehupenyu, nhengo dzemasoja hazvirevi kuti inshuwarano yehupenyu inotarisirwa mumashanu, gumi, kana makore makumi manomwe emakore. Pane kudaro, SGLI inopa inshuwarisi yehupenyu kune nhengo yeuto rehondo kune nguva yose iyo vari muuto rehondo uye vanoramba vachiita kubhadharwa kwepayimusi kuburikidza nekubhadharwa kwemitemo. Saka, izwi remushuwarenzi wehupenyu hunogona kuva kupi zvishoma kubva kumwedzi mashomanana ekushandira kune mumwe munhu ane makore 20, 30, kana makumi mana emakore ehondo.
Nhengo dzehondo dzinobatanidzwawo neSGLI kwemazuva makumi maviri nemashure mushure mokusiya basa racho kana zvichizvidira, nekuda kwekurega mari, kana kusabatsirana. Kunewo dzimwe nzira dzokuwedzera kuparidzirwa kweSGLI kwemakore maviri mumamiriro ekuremara. Pano panewo chikamu chechikamu cheSGLI chinyorwa chinowanikwa kune nhengo dzeGurumende. Kana iwe uri pedyo nekutora mubvunzo mumwe mubvunzo waunofunga kuti ndewekuti iwe uchange uchiri kuda inshuwarisi yehupenyu mukurega basa.
Kana wakarasikirwa nhengo yemhuri yaive nechisungo chemauto kana kuziva mumwe munhu ane, heino urongwa hwezvigadzirwa (kusanganisira zvibatanidzwa kune mafomu ekutsvaga) izvo zvinogona kukubatsira kufamba nenzira yeSGLI.
Bhizimisi reMapoka eVhidhiyo Inshuwarano yeUpenyu (SGLI) inokosha kwazvo kune nhengo dzehondo. Inishuwarenzi yaro yemazuva mashoma-ine mari yakawanda inopa huwandu hwakawanda hwekuparidzira kune nhengo dzebasa pamutengo wakaderera pasina zvisingabvumirwi. NeSGLI, vechidiki varwi, vaSailors, Airmen, uye Marines nemhuri dzavo vane zvinhu zvishomanana zvokufunganya pamusoro pehutano hwavo hwemari uye vanogona kutarisa pamabasa avo uye basa riripo.
Dzidza nezveArmed Forces Insurance Company .
Munyori wevatambi Hank Coleman ndiye Major muUnited States Army iye zvino ari kushanda mubasa rinoshanda. Hank inoratidzirwa kurwisana nemuvengi wemakore anopfuura 11 nekutarisa kwegore maviri kwebasa muIraq. Uyezve, Hank anonyora pamusoro pehupfumi hwake pa blog yake Mari Q & A. Iwe unogona kutevera Hank pa Twitter @HankColeman kana kuongorora podcast yake "Your Money: Zvaunosarudza" pane iTunes.