Uma uthengisa inqubomgomo yomshuwalense wokuphila, unquma inani lomshwalense wakho womshuwalense wokuphila kanye nohlobo lwenqubomgomo oyithengayo.
Khumbula ukuthi kunezinhlobo ezahlukene zemishwalense yokuphila etholakalayo. Uma uthenga umshuwalense wokuphila, kunezinto eziningi okufanele uzicabangele: uhlobo lomgomo oyithengayo, inani lomgomo, futhi mhlawumbe okubaluleke kakhulu, umshuwalense wempilo oyidingayo ngempela.
Kufanele Ngithole Nini Umshuwalense Wokuphila?
Ungase ungadingi umshuwalense wokuphila uma ungashadile futhi ungaba nabanciki. Ungase ufanelekele inqubomgomo encane ngokusebenzisa umqashi wakho ozothola izindleko eziyisisekelo zokungcwaba, okufanele zanele.
Uma ushadile noma unabantwana, kufanele ucabangele ukuthola umshuwalense wokuphila. Inqubomgomo yomshuwalense wokuphila izosiza ukuvikela abaxhomeke kwizimali zakho futhi uqiniseke ukuthi banakekelwa ngokwezimali uma kwenzeka ushona.
Esinye isimo esingase sithole ukuthola umshuwalense womshuwalense uma uthatha ukugcinwa kwabafowenu, odade, noma abanye abaxhomekile. Khona-ke, kungaba ngcono ukuthola umshuwalense wokuphila ukuze usize ekusekeleleni ngokwezimali uma kukhona okuzokwenzeka kuwe.
Ukukhetha inani elifanele
Inani leminshuwalense yokuphila oyidingayo lixhomeke kakhulu empilweni yakho nasesimweni sezimali. Uma ungashadile futhi ungenabantwana, imali ehlinzekwa ngumqashi wakho kufanele ihlanganise izindleko zakho zokungcwaba zomndeni wakho. Uma ushadile noma unezingane, kufanele ukwandise inani lemshwalense yokuphila oyithengayo.
Umthetho omuhle wesithupha ukuthenga umshuwalense wokuphila okwanele ukuze umndeni wakho uhlale unentshisekelo yokukhokha. Uzodinga ukunquma izindleko zonyaka zomndeni wakho zokuphila, bese usebenza emuva ukuze uthole ukuthi ingakanani umshuwalense wokuphila okufanele uwuthenge.
Ungase futhi ufune ukungeza okwanele ukukhokha noma yiziphi izikweleti kanye nemali yakho yokubolekwa imali nokuxhasa imali yezingane zakho.
Khumbula ukuthi njengoba isimo sakho sezempilo sishintsha, umshuwalense wakho wokuphila uzoguquka, futhi. Ungasebenzisa izinqubomgomo zesikhathi ukuze wenze izinguquko ozidingayo inani leminshuwalense oyithwalayo. Lokhu kungaba yingxenye yecebo lakho lemali lomndeni wesikhathi eside.
Ukukhetha Inhlobo Yomshwalense Wokuphila
Uma usuqalile inani olidingayo, kubalulekile ukukhetha uhlobo oluhle lomshuwalense wokuphila ngesimo sakho. Kunezinhlobo ezimbili eziyisisekelo zomshuwalense wokuphila: umshuwalense wesikhathi kanye nempilo yonke. Banikeza izinzuzo ezahlukene.
I-Term Life Insurance
Umshuwalense we-Term Life iyinqubomgomo oyithengayo ngenani leminyaka ethile. Amanani aphansi kakhulu kunomshwalense wokuphila wonke.
Ungathenga umshuwalense wesikhathi esizayo ngemali ehlukene ngesilinganiso esithile sesikhathi. Ubude besikhathi obuvamile buhlanganisa izinqubomgomo ezineminyaka emihlanu, 10-, noma engu-20.
Uma ukhetha ukuphila kwesikhashana, kufanele uziqiniseke ngokuphela kwenqubomgomo noma uhlelo lokuthatha inqubomgomo entsha. Khumbula, kufanele uthole inqubomgomo yomshuwalense wokuphila oyokwazi ukusekela umndeni wakho futhi uzobavumela ukuba baqhubeke nokuphila kwabo okufanayo uma kukhona okwenzekile kuwe.
Umshwalense we-Term Life ngokuvamile uyindlela engabizi kakhulu futhi kungenzeka kube yindlela engcono kakhulu emndenini wakho.
Inshuwalense Yonke Yempilo
Umshuwalense wokuphila wonke ngumgomo wenani lemali oyithenga futhi ugcine impilo yakho esele.
Ukhokha i-premium yalo mshwalense futhi kuyindlela ebiza kakhulu. Umshwalense wakho wonke uvame ukuthengiswa njengendlela yokutshalwa kwemali ngoba unenani lemali futhi ungakwazi ukukhipha noma ukuboleka imali uma usaphila.
Ezinye izinzuzo zomshuwalense wokuphila wonke zibandakanya i-premium njalo, ukuhlinzeka impilo yonke ngaphandle kwezinzuzo zezokwelapha esizayo (uma ungenzi ushintsho kumgomo wakho), namathuba okulondoloza intela.
Ezinye izinhlobo zemigomo yomshuwalense wokuphila zibandakanya ukuphila kwendawo yonke, inqubomgomo yokuphila ngezimali ezithile; umshuwalense wokuphila wendawo yonke, uhlobo oluthile lwemshwalense wokuphila unomphela ngengxenye yokutshala izimali ezingakuthola ukubuyisela okuphezulu, kodwa ufike engozini enkulu.
Amanye amathiphu:
Umshuwalense wakho ungaxhumana nawe mayelana nokuguqula inqubomgomo yesikhathi ibe ngumgomo wonke wokuphila, okufanele ugwenywe. Eqinisweni, ungase ufune ukushintsha inqubomgomo yakho yomshuwalense wokuphila impilo yonke.
Uma unquma ukushintsha inqubomgomo yomshuwalense wakho wokuphila, cishe uzodingeka ukuba uhlole ukuhlolwa kwe-inshuwalense yezempilo, okuzodinga ukuthi "udlule" ukuze uthole inqubomgomo.
Ukukhetha inzuzo yomshuwalense wokuphila kungaba nzima. Cabanga ngokuqamba igama lomzuzi noma umzuzi wesibili, futhi ubuyekeze abahlomuli bakho kulo lonke impilo yakho njengoba isimo sakho sishintsha. A
Kubuyekezwe ngu- Rachel Morgan Cautero .