Upenyu hweInishuwarenzi yehupenyu: Urongwa hwehutano hwehupenyu hwehupenyu hunopa mari kune vanovimba navo kana iwe ukafa nokukurumidza kupfuura kutarisirwa. Nzira dzakawanda dzehupenyu hwe inshuwarisi dzehupenyu hunogona kugoverwa kuva chero nguva-hupenyu kana inshuwarisi yeupenyu hwose.
Iko-inshuwarisi yehupenyu huripo inotora nguva yakatarwa yenguva, kazhinji yemakore 10, 20 kana kupfuura, asi hupenyu hwese inshuwarisi yehupenyu ndeyehupenyu huse hwomutevedzeri wemutemo. Imwe inonzi inshuwarisi yehupenyu hwehupenyu inopa sarudzo yekushandurwa kuva inshuwarisi yehupenyu hwose apo izwi rinopera.
Mishonga inshuwarisi yehupenyu inopa huwandu hwemari uye mari yekuwana-mari yekuwana mari pamwe nezvimwe zvikomborero zvoupenyu sekutsvaga kurapa kwakanyanya; zvisinei, ichi hachisi basa guru re inshuwarisi yehupenyu. Basa rayo guru nderokuchengetedza vatsigiri vako mushure mekufa kwako uye kubhadhara kuguma-kwe-hupenyu / yekupedzisira mari.
Annuity : Zvikwereti zvemari zvakagadzirirwa kupa mari yekubvisa mari kumudzidzi wezvirongwa kana iye akararama kunze kweupenyu hunotarisirwa. Mamwe emari anopa mitero-yakaderedzwa kuchengetwa kwekurega mari. Kunyange zvazvo annuity ine ruzivo rwekufa kune vanobhadhara, haisi mari isina mutero. Zvizvarwa zvinowanzotumidzwa sezvakaderedzwa, zvishoma kana kuti zvenguva refu zvigadziriswa.
- Deferred Annuity : Gore rakasunungurwa rinongonzwika. Mari iyo inoderedzwa mushure mekubhadhara mari yemaripo inobhadharwa kusvikira pane imwe nguva, zvichida makore akawanda. Zvikwereti zvakasarudzwa zvinowedzera kuputsika kusvika kune zvakasarudzwa (tsika , zvekare , Fixed Indexed (FIA) uye Variable annuity. Kusiyana kwakanyanya mumhando yezvakaderedzwa zvepurogiramu yepagore ndeyekuti kufarira kunowanikwa sei uye kuti munhu wacho anotarisa kuita sarudzo yakachengeteka kana vari kutsvaga misika yemakethe-yakafanana nehuwandu huwandu hunogona kukosha.
- Annuity Pakarepo : Pakarepo mari inobhadharisa mari inotanga mushure megore rimwe mushure mekunge mabhadhara mubayiro wenyu kumakambani einishuwarenzi. Zvizhinji zvekutsvaga zvakatengesa zvinotengwa pamwe chete nenguva imwe chete, kubhadhara-kubhadhara uye zvakagadzirirwa kutanga kutora kunze kwegore rimwe mushure mokunge premium yabhadharwa. Iyi yepurogiramu yakarongeka yakagadzirirwa vanhu vachitarisa kune mari yakavimbiswa yeupenyu.
- Nguva Yakareruka Annuity : Urongwa hwehupenyu hwemakore akawanda ndeye rudzi rwekusagadziriswa kwemari yakasununguka iyo inogona kubudiswa chero ipi zvayo nemari ine mari yakasvitsa makore makumi mashanu. Kazhinji, zvirongwa zvemufananidzo uyu hazvigadziri kusvikira munhu ane makore 80 kana kupfuura. Funga nezvazvo sechimwe chirongwa chepensheni chinogona kukanganisa kana iwe urongwa hwako hwekugara huripo hungave huri kupera mubhadharo yahwo kana kuti wakamira zvachose.
Ndeipi Urongwa Hwakanaka?
Chinokosha pakugadzirisa chirongwa chakanaka iwe - annuity kana inshuwarisi yehupenyu - kutarisa chinangwa chako. Kana chinangwa chenyu chikuru ndechokubatsira vanovimba nevamwe vanobhadhara kubhadhara mari yako yekupedzisira , zvikwereti uye uine mari yakasara kuti urarame pane, bhiza rako rakanakisisa ndiyo inshurensi yehupenyu sezvo ichi chiri kupfuudzwa pamutero usingabhadhari kune vako vanobatsirwa.
Kune rumwe rutivi, kana iwe uri kutsvaga chirongwa chinokupa mari yekusununguka saka iwe unofanirwa kufunga nezve annuities.
Iyo annuity inopa mitero-inoderedzwa kuchengetwa uye kubhadhara mari. Zvichengetedze - inshuwarisi yehupenyu inochengetedza vadiwa vako kana iwe ukafa nguva isati yasvika apo annuity inodzivirira mari yako kana iwe uchirarama kwenguva yakareba kudarika zvaunotarisirwa.
Zvirongwa zviviri izvi zvinopa rubatsiro rwekufa asi imwe neimwe isarudzo yakasiyana kwazvo nechinangwa chakasiyana. Kana uchida kutungamirirwa pakusarudza kana chirongwa che inshuwarisi yehupenyu kana annuity chakanaka kwauri, bvunza inshuwarisi yehupenyu kana kuti annuity planning consultant kuti ukurukure zvose zvingasarudzwa.
Ndeipi Kwaungatenga Imwe Inishuwarenzi yeupenyu / Annuity Plan yeHore Revenue?
Iko kune makambani mazhinji anozivikanwa anopa zvose inshuwarano yehupenyu uye annuity plans. Iwe unogona kuwana kambani iwe pachako kana kuti kuburikidza newaini yako inishuwarenzi. Kana iwe uchizviongorora iwe, funga zvimwe zvezvikwata zvakakosha zvakapiwa zvipo zvose pakuenzanisa zviyero: AIG , Symetra , Sagicor , Americo , American Fidelity , New York Life , Bankers Upenyu uye Kuparara , nezvimwewo.
Iva nechokwadi chekutarisa kushandiswa kwemari kwekambani kuwedzerwa kwemari uye rekodhi rebasa revashandi nemisangano yehurumende yehushuwarenzi yakadai se AM Best uye JD Power & Associates .