Variable Survivorship Upenyu HweInishuwarenzi inozivikanwawo kuti Survivorship hupenyu hwehutano inshuwarheni ndeye rudzi rwehutano hwehutano hwehupenyu hwehutano hunosimbisa vanhu vaviri.
Kuponesa upenyu hweshuwarisi hunowanzoshandiswa nevarume kana vakaroorana. Kuponesa hupenyu hwehutano huripo huripo huripo hunopa mubhadharo apo munhu wese anopa mazano kana vanhu vanochengetwa purogiramu vakafa. Izvo hazvizobhadhara rufuro rwekufa kana mumwe chete wevanhu vanochengeteka akafa.
Kuponesa Upenyu Hwemishuwarenzi hunoshandurwawo se:
- Joint Survivor Life Insurance
- Chechipiri-ku-Kufa Upenyu Inishuwarenzi
- Variable Survivorship Insurance
Kuponesa upenyu hweshuwarisi hunowanzosarudzwa apo chinangwa che inshuwarisi ndechokusiya mari kune vagari venhaka, uye kuti nei ichibhadhara mari yekufa kana vaviri vakaroorana vafa.
Ndeipi Mitemo Yekuponesa Upenyu?
Kuponesa Upenyu Maitiro ndeavo Upenyu Husingaperi Pfungwa , dzakadai se Universal Universal Policies kana Whole Life Policies. Izwi rokuti mararamiro ehupenyu , izvo zvisingadhuri, hazviwanzoshandiswa kushandura Survivorship Life Insurance, haigari kwenguva inopfuura nguva shoma uye isina mari inokosha.
Joint Life Inshurenzi vs. Kuponesa Upenyu Hupenyu: Ndeupi Kusiyana?
Rushuwarano yehupenyu huripo apo inshuwarisi inobatanidza vanhu vazhinji pane imwe sangano. Pane zvingasarudzwa zviviri zve inshuwarano yehupenyu hwekubatana:
- Kutanga-ku-kufa
- Survivorship Life Insurance kana yechipiri-kusvika-kufa
Nzira yakasarudzika yehupenyu huri pamwe chete inowanzove "mutemo wokutanga-kufa". Mu "inshumo yekutanga" yekubatanidza inshuwarano yehupenyu hwehupenyu, kana mumwe wevakaroorana vemu inshumo akafa, rubatsiro rwekufa runobhadharwa kune mumwe mukadzi asara semuzuzi . Chinangwa ndechokusiya mari kumashure kune mumwe wako kuti avabatsire nekutarisa mari uye kutora mari iyo yakarashika kubva pakufa kwekutanga-kufa-shamwari.
Survivorship Upenyu hwemishuwarenzi hunoshanda zvakasiyana. Icho chinyorwa chehutano hwehupenyu hwehutano, zvisinei, inosanganisira vanhu vose asi ichabhadhara kunze kwekuti vanhu vaviri vechipupuriro vafa, ndokusaka zvingazivikanwa se "yechipiri-kufa-".
How Survivorship Life Insurance Works
Nzira iri muhupenyu hwehupenyu hwe inshuwarisi yehupenyu ndeyekusiya mari kune vagari venhaka yevakaroorana, kusiyana nehupenyu huri pamwe chete "kutanga kufa" hunosiya kufirwa rufu kune mumwe wako.
5 Makomborero eKuponesa Upenyu Inishuwarenzi
- Kuchengeta upfumi sechikamu cheNzvimbo yekugadzira Imba
- Kuumba pfuma kune vagari venhaka
- Kuwana inshuwarisi kana mumwe mudzimai asingachengeti nyore nyore
- Kuwana kukosha kwemari kana mumwe mukadzi akafa, achiri kuchengetedza rufu kunobatsira vagari venhaka
- Mutengo
Vamwe vanhu vanosarudza kutenga inshuwarisi yehupenyu hwehutano mushure mekunge vataurirana neanoronga gweta rekugara kuitira kuchengeta pfuma yavo .
Vamwe vanogona kusarudza kutenga rudzi urwu rwematongerwo enyika yekuvaka pfuma kune vagari venhaka . Mumamiriro ezvinhu apo vanhu vanofunga kuti vangave vakashandisa nhumbi dzavo uye vasina nzvimbo yakawanda yekuenda kune vagari venhaka, izvi zvingava sarudzo yakanaka yekusiya mubairo shure kune vagari venhaka. Mune mari yakanaka wekugadzira mari anogona kukubatsira nemisarudzo iyi.
Kuponesa upenyu hwemishuwarenzi hweupenyu hunowanzova nehumwe humwe humwe humwe hushandi hwe inshuwarisi hwehupenyu husina. Dzimwe nguva kana mumwe mukana ari kutambudzika kuwana inshuwarano yehupenyu, nekumutsigira pa Joint Survivorship Life chirongwa, vanogona kukwanisa kuiswa inshuwarisi nyore nyore uye nekudhura kuduku.
Rimwe ruzivo rweUpenyu hweUpenyu hweInishuwarenzi yehupenyu, kunze kwekusiya mari kune vagari venhaka mushure mekunge vose vakaroorana vafa, ndeyekuti kana mumwe mukadzi akafa, kana pane mari inokosha yakagadzirwa muSupilitarian Life Policy, ipapo mudzimai anenge ari mupenyu anogona kukwanisa kuine mari pane kukosha kwemari yemutemo sezvinodiwa. Dzidza zvakawanda pamusoro pemari yemari mu inshuwarisi yehupenyu , kana kukwereta kubva kune inishuwarenzi yehupenyu kuti unzwisise izvi zviri nani zviri nani.
Pakupedzisira, mari yacho inogona kuva chikonzero chakanaka chekufungisisa sangano rehushandi yemishandisi yehupenyu.
Iro sarudzo yeSurvivorship Life Insurance policy inogona kukuchengetedza mari kunze kwekuve nehutano hwehutano inshuwarisi yehupenyu. Kunyanya apo mumwe wevakaroorana ane nyaya dzezvehutano kana kuti angave nechinetso chokuwana inshuwarisi yehupenyu inotengesa.
Ndezvipi Zvinhu Zvaunofanira Kufunga?
Paunenge uchitenga inshuwarisi yehupenyu hwe inshuwarisi yehupenyu, iva nechokwadi chekukurukura izvi zvingasarudzwa nemari yako wezvigadziro:
- Kana iwe uchida hupenyu huse kana hutano hwehupenyu hwehupenyu hwehupenyu hwehupenyu hwose. Iyi mitemo miviri ine sarudzo dzakasiyana-siyana dzekutsvaga / kuchengetedza dzinogona kukanganisa mari.
- Kana hurongwa hwako huine chisarudzo chekuparadzanisa mutemo muzvikamu zviviri zvakasiyana kana zvichidiwa. Mamwe masishuwarenzi ane mutasvi anokubvumira kuita izvi mune mamwe mamiriro ezvinhu, somuenzaniso mukurambana.
Kurarama Kwaungaita Upenyu Hwehupfenyuro Inoshushikana Nehutengo Hwako
Chimwe chezvinhu zvinokosha zvekugadzirisa hurongwa hwehupfumi hweUpenyu hweInishuwarenzi yehupenyu ndeyekuti kubhadhara hakubhadharwi kune wawakaroorana naye asi kunobhadhara kune mugari wenhaka. Pane zvinorehwa nemitero munyaya iyi, unogona kudzidza zvakawanda pano . Vanhu vazhinji vanoshandisa zvikamu zve inshurensi yehupenyu rufu inobhadhara kubhadhara federal estate mimwe mitero uye dzimwe nzvimbo-kugadzirisa mari.
Inishuwarenzi yehupenyu ndiyo nzira yakanaka yekusiya mari kune vagari venhaka kwete chete nekuda kwekufa kubatsirwa mari inokosha asiwo nekuda kwekubhadhara mutero .
Nhengo yemagadziro ekugadzirisa mararamiro uye wezvigadziro zvemari zvinogona kukubatsira kukupa mazano maererano nenzira dzakanakisisa dzekutarisira nzvimbo yako uye kuita Dzimba Dzimba pamwe newe kubva mumamiriro ezvinhu ose akasiyana uye unoda kuwana chirongwa chakakosha zvikuru kwauri.