Kuchinja inshuwarisi yeupenyu hwako? 3 mazita ekutsvaga iwe unoda kuongorora
6 Zvikonzero Zvokuchinja Upenyu hweInishuwarenzi Hupenyu Hwokuongorora
- Iwe unowana inshuwarisi yeupenyu inodhura
- Iwe une kuchinja muupenyu huri mamiriro ezvinhu
- Iwe unofanirwa kuchinja kana kuwedzera munhu anobatsira
- Iwe unowona apo panogona kuva nemhando yepamutemo yehutano iwe unofarira hupenyu huse kana inshuwarisi yemazuva.
- Iwe unoshandura mari yako yakarongwa
- Iwe unoda mari yemari panzvimbo yekubhadhara kubva kune inshuwarisi yehupenyu hwako
Usati Washandura kana Kurisa Inshurensi Yenyu Yenyu
Sezvo mutongi we inshuwarisi yehupenyu hwako, iwe uri kutungamira kwehutano hwehushandi hwehushuwarano hwehupenyu . Hazvibatsiri kana inshuwarisi yeupenyu inogona kuchinjwa pasina kubvumirwa kwako. Chino bedzi kune izvi chinogona kuva kana muwani wehutano inshuwarisi yako isingagoneki . Mutungamiri wehurumende haagoni kuchinja munhu asingakwanisi kubhadhara pasina kubvumirwa.
Zvinhu Zvinokosha Zvokufungisisa Usati Wachinja Upenyu Hwako Inishuwarenzi Checklist
Kana uri kuongorora kubvisa kana kushandura inshuwarisi yehupenyu hwako, izvi ndizvo zvinhu zvaunoda kufunga nezvazvo usati waita sarudzo. Kana iwe wakatsvaga zvose izvi zvingasarudzwa uye wakaita tsvakurudzo yako iwe unonyanya kubuda pamusoro.
1. Life Insurance Insurance Medical
Paunenge watenga inshuwalense yehupenyu hwako, wakatora inshuwarano yehutano yekurapa uye "wakapfuura".
Kana iwe ukaedza uye ukawana mutemo mutsva, uye iwe unotora chirongwa chitsva chemishonga inshuwarisi yehupenyu, iwe ungasave wakakodzerwa nemitemo mitsva kana kuti ungave nemimwe mitemo. Iwe unogona kunge usingareviki, kana unofanirwa kutora mutemo unodhura kupfuura iwe waimbove uchinyorwa. Iko ngozi huru yekutora.
2. Enzanisa Upenyu Inishuwarenzi
Usati wachinja shandhu yehupenyu hwehupenyu hwehupenyu hwehutano huripo: Nguva, Whole Life kana mamwe mazano ehupenyu husingaperi semishuwarisi yehupenyu hwehupenyu ndeimwe yemikana.
3. Dzidza Nezveupenyu Hwako Inishuwarenzi Inomirira Nguva
- Iwe unogona kuva nemitemo kana kuti chikwereti chekumirira nguva
Kunzwisisa Nguva Inopikisa uye Kuzviuraya - Icho chisingadikanwi chinowirirana nemishuwarenzi yehupenyu uye zvinoreva kuti mumakore maviri ekutanga emitemo mitsva, rubatsiro rwako rwekufa runogona kuramba kana kurwisana. Kana ikozvino mazano ako ari anopfuura makore maviri, zvino chitsauko ichi hachina kushanda zvakare.Ungarasikirwa neizvi kuburikidza kana uchinjira kune imwe shanduro.
4. Funga Kuramba Uine Inyo Yenyu Yemainishuwarenzi Yemazuva Ano uye Kuchinja Purogiramu
Ita kuti vashandi vako vadzokorora ushuwarisi hwehupenyu hwako hwekushandura kana kuchinja sarudzo newe. Dzimwe nguva unogona kukwanisa kuchinja hurongwa hwako mune zvauri kutsvaga uye kudzivisa nguva inopikisa uye kuongorora kwechiremba semugumisiro. Kunyange kana iwe usingakwanisi kuchinja hurongwa hwako, unogona kufungawo sarudzo yekuwedzera imwe chirongwa chekuwedzera mari yako yema inshuwarisi yehupenyu. zvinonyanya kudikanwa nei uchida kubvisa kana kushandura inshuwarisi yehupenyu hwako pakutanga. Pane nzira dzakawanda mutori wezvemari kana mujeri ane ruzivo anogona kukubatsira, ita nechokwadi chekuongorora mazano ose aunogona kuwana musati watsiva mutemo wako.
Kana iwe usati wapihwa mamwe maitiro, tora mhinduro yechipiri!
5. Enzanisa Mari Inoshandiswa Pakudzorera Upenyu Hwenyu Inishuwarenzi
Pane huwandu hwezvinotengeswa zvinogona kuitika kana iwe uchichinja ushuwarisi hwehupenyu hwekare hwehutano hwemutsva. Heino tsananguro yezvinhu zvokufungisisa uye kubvunza pamusoro pekutsvaga bhaisiro re inshuwarisi yehupenyu kunze kweparamisi yemainishuwarenzi yeupenyu hutsva.
Tarisiro yekufananidza mari yakawanda kana iwe uchifunga nezvehupenyu hweInishuwarenzi yehupenyu
- Ko pachava nemari yekutanga mutemo mutsva here?
- Ndezvipi zvinodiwa zvepamusoro zvinofananidza nemitemo yekare? Ko pachava nemigumisiro yemitero here?
- Nguva uye sei iwe ungatora chikwereti pane hurongwa hutsva hungave hwakasiyana
- Kukosha kwemari kubva purogiramu yako yekare hakugone kukwana kubhadhara mutemo wose mutsva mune ramangwana, izvo zvingaguma nekubhadhara zvimwe
- Zvichienderana nezera rako, unogona kubhadhara kupfuura nguva yehupenyu yehutungamiri nekuda kwekutenga mutemo mutsva mushure mehupenyu
- Inishuwarenzi yehupenyu inodhura zvikuru sezvaunokura
- Izvo zvikomborero kana zvikomborero zvichasiyana gore negore here?
- Pane kupira mari pamutemo waunoda kudzorera here?
Ipi Inzivo Inodiwa Kuti Udzorere Inishuwarenzi yeUpenyu hweInishuwarenzi
Pose paunenge uchipa inshuwarisi yehupenyu kuti uite panzvimbo iyo, iwe uchabvunzwa mutsara wemibvunzo. Iyi mibvunzo iri munzvimbo inokuchengetedza kubva pane zvinyengeri uye unyengeri uye inobvumira makambani einishuwarenzi kuti aongorore mamiriro ezvinhu kuitira kuti zvinhu zviitike zvakanaka.
Mibvunzo Yakabvunzwa Kuti Idzivirire Iwe Paunoshandura Inishuwarenzi yeupenyu
- Iwe uchabvunzwa nekuda kwenhamba yema inshuwarano yehupenyu nhamba, inshuwarisi, uye mutemo wekupera
- Iwe uchabvunzwa kana iwe unoronga kutora chinamato chako chezvino nehva yako itsva
Mibvunzo inobvunzwa apo iwe unotsiva inshuwarisi yeupenyu inokudzivirira iwe uye unodzivirirawo kambani yveshuwarisi kubva kune vamiririri vanogara vachichinja shandisi yehutano yevabereki vavo kuti vawane komisheni. Icho chimiro chekuzvibata chinozivikanwa sekuti churning apo inishuwarenzi yehupenyu inofambisa zvisingabatsiri uye ichiita kudzokorora mishandira ivo pachavo kune vatengi vakadaro.
Kudzorera Upenyu Hwako Inishuwarenzi? Tarisa Kuda Kukanganisa
Paunosarudza kuita chero shanduko mu inshuwarisi yehupenyu nguva dzose uwane pfungwa yechipiri uye uzive zviratidzo zvinonyevera zvezviito zvinokonzerwa nemumwe munhu achiedza kukukurudzira iwe kuti uchinje mitemo. Iva nechokwadi chekuti hausi kutora zvidzidzo kana kuparadzirwa.
Kunze kwekuongorora runyora rwekufungisisa kuziva iwe usati wachinja inshuwarano yehupenyu hwako, zvakakosha kuziva zviratidzo zvekunyevera zvevarume iwe unoda kugara kure. Kana mujeri akaita chimwe chezvinhu izvi iwe unoda kutaura nehofisi yako yehurumende inshuwarisi yehofisi uye uvaudze kuti vaite sei. Hurumende vatungamiri varipo kuti vabatsire kuchengetedza ruzivo rwevanhu, uye munyaya yekutadza kusazvibata kwemujeri kana mumiririri, vanogona kukubatsira kuti uzvidzivirire zvakare.
Chengetai Kana Upenyu Hwenyu Inishuwarenzi Akagashira
Kana iwe uchinzwa usinganzwisisiki kana kuti uine chero humwe zviratidzo zvekunyevera pasi, unogona kutarisa kuti uone kana sarudzo yako nekambani ye inshuwarisi yakabvumirwa kutengesa inshuwarisi muhurumende yako nekudana NAIC pa 1-866-470-6242 .
Checklist of Life Insurance Agent Warning Zviratidzo
- Iko inokurudzira kuti usataurira wako iye zvino insurer uye / kana hama iwe uri kufunga nezvekuchinja mitemo. Izvi zvinopesana neinishuwarenzi makambani matsva uye chiratidzo chokuti mujeri angave akabatanidzwa mu churning, kana kuti kwete chireisheni!
- Mukuru we inshuwarisi yehupenyu anoedza kukuita iwe kuti usayine mafomu asina kukwana kana iwe usinganzwisisi
- Muongorori anoomerera kuti kushandisa mari yekukoshesa kubva mumutemo wenyu wezvino wekubhadhara mari yepurayamisi pamutemo mutsva unogona kupa mukana mukuru usingatendi kwauri
- Mutambi anotsoropodza vamwe vashandi nemakambani. Ichi chinhu chisina maturo uye chisina maturo uye unofananidzira chiratidzo chenyevero.