Chengetedza mhuri yako noupenyu nemapurayamisi akasimba
Ndeipi chikonzero chekutenga inshuwarisi yehupenyu hwehupenyu hwose? Sezvo zita rinoreva, inshuwarisi yose "yehupenyu" inotarisirwa kupedzisa hupenyu hwako hwose. Izvi zvinopesana nehutano hwehupenyu hwehupfenyuro hwehutano hunovhara nguva yakadaro yakaita seyaka 10,, 20, kana makore makumi matatu. Kune zvikonzero zvizhinji zvakanaka zvekutenga hupenyu hwehupenyu hwose. Izvo zvose zvoupenyu hwehupenyu hahuna kupera uye munguva dzakawanda, premium haina kuwedzera pamusoro pehupenyu hwematongerwo enyika. Mimwe mitemo inovakawo mari inokosha iyo unogona kukwereta kubva. Unoda rubatsiro ruduku kuwana chikonzero chakanaka here? Heano mamwe emhando dzakanakisisa dzeshuwarenzi yeupenyu hwose.
01 Best Upenyu Hwose Kuvaka Cash Value: MassMutual
Rufu rwekufa runotsigirwa kuburikidza neMassMutual hupenyu hwehutano hwose, izvo zvinoreva kuti munhu anobhadhara inshuwarisi yehupenyu hwako anogamuchira mari yemari yekubhadhara mari pasinei kana iwe uchifa. Mari inokosha inobatsira inowedzera pamusoro pehupenyu hwematongerwo enyika. Kana uri kutarisa kushandisa shuwarenzi yako yehupenyu sekuwedzera kune mari yako yekubvisa mari, kukosha kwemari yveshuwarisi yehupenyu hwose kunogona kubatsirana senzvimbo yekuwana mari. ImweMutMutual hupenyu hwehupenyu hwose hunopawo mitemo inobatsira, zvichireva kuti iwe unowana mari inobhadhara mari gore negore. MassMutual ndeye "A ++" yakarongwa ne AM Best uye Insure.com mazana MassMutual zvikuru munzvimbo ye "kukosha kwekutengo."
02 Best Best Life For Pricing: Northwestern Mutual
Northwestern Mutual ndiye munyori mukuru kwazvo we inshuwarisi yehupenyu muUnited States. Inopa mitemo inobhadharwa mari ye inshuwarisi yehupenyu hwose. Northwestern Mutual yakagamuchira 4-out-of-5 score in a récent customer satisfaction satisfaction from JD Power & Associates. Kuregererwa kwepamberi yekambani kubva kuNorweswestern Mutual inowanikwa, iyo inobhadhara premium yako inshumo kana iwe uchitambura kukuvadza kunokonzera. Zvikwata zvekutanga zvinotsigirwa kuti hazvingawedzere uye hupenyu hwehupenyu hwose kubva kumaodzanyemba kwakadziva kumadokero hunowedzera mari inokosha iyo inotariswa-mutero. Northwestern Mutual's inshuwarisi yehupenyu yehutano yakakwikwidza zvikuru, zvikurukuru kune vakwegura.
03 Best Best Life For Dividend Returns: New York Life
Hupenyu hweNew York hwakagara huchiwana huwandu hwakanyanya hwemari hwehutano kubva kumakambani mana makuru ehurumende yehushuwarenzi (AM Best, Fitch Ratings, Standard & Poor's uye Moody's Investor Services). Sei simba rezvemari rinokosha mukambani ye inshuwarisi yeupenyu? Simba rezvemari rekambani ye inshuwarisi rinoratidza kukwanisa kwayo kugadzirisa zvinotarisirwa nemari uye kubhadhara chero zvipi zvayo zvakataurwa. Kune avo vanoita policyholders, izvi zvinoreva zvikwereti zvakakwirira zvebhadharo.
04 Best Upenyu Hwose Nokuda Kwezvakanaka Zvipo (Vatasviki): MetLife
MetLife yakagamuchira Nha. 2 yakagadziriswa mukugutsikana kwevatengi kubva kuJD Power & Associates. IThe MetLife yose inshuwarisi yehupenyu inopa hutano hwakarongeka huripo uye mari inokosha inobatsira. Chikamu chekubhadhara chinowanikwa kubva mugore repiri gore remutemo. MetLife inopa vashandi vanoita sarudzo dzekuwedzera huwandu kune hutungamiri hwehurumende nechimwe chinhu chinonzi mutungamiri wemitemo. Vatengesi vevatambi vanoverengeka vanowanikwa: The Enrichment Rider (sarudzo yekuwedzera mamwe mapeji uye kukosha kweko mari pane imwe nguva sezvaunenge uchida); Njodzi Inobatsira Rufu (kubhadharazve kwekufa semugumisiro wenjodzi); Child Term Rider (kugoverwa kune vana vako); Kuwedzerwa Kuchengetedza (mari inowanikwa inowanika kune urwere hunogara kwenguva refu nekukwanisa kusvika kusvika kuzana 90 muzana yehurongwa hunokosha); Flex Term Rider (a term term policy inogona kuwedzerwa iyo inowedzera kugoverwa kwenguva yakati); uye Vakagadzikana Waiver (premium inodziviswa nokuda kwekuremara kwemwedzi mitanhatu kana kupfuura).
05 Best Best Life For Final Expense Coverage: Transamerica
Transamerica yveshuwarisi yehupenyu hwehutano hunowanikwa muhuwandu kusvika ku $ 50,000. Girasi inshuwarisi yehupenyu hwose inowanikwawo kuburikidza nemushandirwi wako sekuzvidira rubatsiro muhuwandu kusvika pa $ 25,000. Minisitiri yema inshuwarisi yehupenyu inowanikwa kuburikidza neTransamerica yakagadzirirwa kuvhara mariro yemari uye mamwe ekupedzisira mari. Zvikomborero zvinotsigirwa noupenyu chero bedzi uchiramba uchitenga mubayiro wako. Mari yekuunganidza (yakasungirirwa kumabasa ezvemari) inowanikwa iyo inogona kubhadharwa kubva uye mutero unobhadhara pamari yekuunganidza inogona kuderedzwa. Kufa kwekukurumidza kunobhadhara chikamu chekufa kwepurogiramu yekufa kana iwe uine chirwere chisingaperi, chirwere chisingaperi kana chirwere chakakomba chakadai sekurwadziwa kwepfungwa kana chirwere pashure pokunge mutemo wako unoshanda. Transamerica ine "A +" simba rekushaya mari kubva kuna AM Best.
06 Best Best Life For No Exams Medical Exams: Mutual Omaha
Kuwirirana kweOmaha hakudi kuongororwa kwechiremba kwekugoverwa uye kunopa inshuwarisi yehupenyu hwose mumitengo kubva pa $ 2,000 kusvika ku $ 25,000. Inishuwarenzi yose yehupenyu huripo kune vanhu vane makore 45 kusvika ku85 (muna NY, 50 kusvika ku75). Inishuwarenzi yose yehupenyu yevana inowanikwawo. Kuwirirana kweOmaha kune "A +" simba remari kubva kuna AM Best. Kune ruzivo rwakafa rwekufa kwemakore maviri ekutanga emutemo, zvinoreva, kana mumakore maviri ekutanga ehurongwa rufu runokonzerwa nezvikonzero zvinokonzera, uyo anobatsirwa anogamuchira zvikwereti zvose zvakabhadharwa pamwe ne10 muzana. Nekufa nekukuvadza kwekukurumidza, zvizere zvizere zvinowanika pakarepo apo mutemo unoshanda. Coverage inogadziriswa chero bedzi uchiramba uchibhadhara premium yako yepurogiramu. Sezvo Mutual of Omaha inobatana zvakasimba, inoripira vatsigiri vezvematongerwo enyika nenzira yeparadhodhi dzekubhadhara.
07 Best Best Life For Cash Value Options: Guardian
Mukuwedzera pakubhadhara mutengo wemitemo, Guardian inonyanya kukoshesa pane zvisarudzo zvinowanikwa kune vatengi vanotarisira kuunganidza mari inokosha. Muzvokwadi, pane masere masere akasiyana-siyana emari, zvakanyanya kudarika vamwe vatsigiri veupenyu. Guardian ine "A ++" mari yehutano kubva kuna AM Best. Zvose zvinotungamirirwa nehupenyu kuburikidza ne Guardian inopa premium yakachengetedzwa, mari inowanikwa huwandu, mari inobhadhara mitero uye mitero yekubhadhara mitero yakadai sokukwanisa kurega mitero yekubhadhara uye zvikamu zvinowanikwa pahurukuro yako. Uyezve, kana iwe uchikwereta pane zvawakaronga, chikwereti hachikwanisi kuverenga semari pamutero. Vatasvi vanoverengeka varipo, kusanganisira kubhadhara mari yepamusoro, kubhadharwa kwekukurumidza kufa, kubhadhara kusagadzikana uye kubhadharwa kwekukurumidza.
08 Best Upenyu Hwose Hwekubhadhara Mutero Wako Kare: State Farm
Inishuwarenzi yehupenyu yose kubva kuHurumende Farm ine zvakawanda zvinobatsira, kusanganisira kugoverwa kwehupenyu, kuwana mari yekutengesa (mutero wakarambidzwa), kubhadharwa kufa kwekufa nemari yepamusoro yepamusoro pamusoro pehupenyu hwematongerwo enyika. Nhungamiro yemiganhu inowanikwa kusvika ku $ 100,000. State Farm inewo zvavanoti "Limited Pay Life Plans" kwemakore 10, 15 kana makumi maviri. Izvi zvinorevei kuti iwe unogona kubhadhara zvakakwana bhaisiro yako yveshuwarensi yehupenyu yezwi raunosarudza, mumakore gumi, gumi nemashanu kana makumi maviri. Izvi zvichakubatsira kuti urege kubhadhara mari yemishandiro yemishuwarenzi yehupenyu panguva yako yekurega basa.
Iwe unokodzera kuwana mari inobhadhara asi izvi hazvivimbiswi. Kana uri kutsvaga kukosha mu inshuwarisi yehupenyu hwose, State Farm inopa mamwe mapurogiramu emitengo yakawanda kupfuura vamwe vazhinji vevisiyeri; (67 kubva muzana kusvika makumi mana kubva muzana pamusana pekushanda kwemhizha). State Farm inopa inotsanangura paIndaneti nokuda kwehupenyu hwavo hwose. State Farm ndiyo "A ++" yakarongwa na AM Best uye ine yepamusoro yepamusoro kubva kuJD Power & Associates munzvimbo yekugutsikana kwevatengi.