Izinhlobo zemishuwalense yokuphila iyatholakala
Umshuwalense wokuphila ubonisa umqashi njengomqashi ozikhethelayo lapho ukhetho olufisa ukhetha amathuba emisebenzi. Ngenye yezinhlelo eziningi eziphelele abasebenzi abakufunayo lapho befuna umsebenzi bese bekhetha umqashi.
Ikakhulukazi abasebenzi abanemindeni efana nokuvikeleka kwenetha lokuphepha ukuthi umshuwalense wempilo inikeza.
Umshuwalense wokuphila uhlinzeka ukuthula kwengqondo kumsebenzi okhathazekile ngokuthi umndeni wakhe, noma izindlalifa, uzokwenza kanjani imali uma kwenzeka efa. Umshuwalense wokuphila unikeza insizakalo ethile yezezimali kubasindile bezisebenzi uma ukufa komsebenzi kungekhona ngenxa yephutha lakhe.
Isibonelo, izithwalense zokuphila zomshuwalense ngokuvamile azifaki ukufa, kuhlanganise nokufa ngokuzibulala, ukuxokozela komphakathi noma izimpikiswano, ukufa okwenzeka ngesikhathi sezempi, nezinye izenzakalo ezihluka ngenqubomgomo.
Umshwalense wokuphila uthengwa ngezinhlobo eziningi ezikhethwa kukho.
I-Term Life Insurance
Umshuwalense we-Term Life, lapho umshwalense noma umqashi wakhe akhokhela imali ekhokhwa njalo ngenyanga, ngekota, noma yonyaka ngenani elibekiwe le-insurance coverage. Ayikho imali yokutshala izimali noma imali yekheshi eqoqa noma eyakhelwe ku-akhawunti yomshuwalense wegama, kodwa i-akhawunti ikhipha inani le-insured ekufeni kwesisebenzi.
Ezinye izinqubomgomo zomshuwalense wokuphila zesikhathi eside zinomkhawulo wesikhathi. Abanye bakhulisa imali yabo yokukhokhela imali yonke ngonyaka njengoba isisebenzi sikhula. Ezinye izinqubomgomo zinezinsuku zokuphelelwa yisikhathi ezinjengoba zineminyaka engu-70. Abacebisi abaningi bezezimali batusa inshuwalense yokuphila yomshuwalense njengoba eziningi izinketho zomshuwalense zibiza ngaphezulu futhi zibandakanya ingxenye yokutshala izimali ezidaka amanzi.
Izinqubomgomo zomshuwalense wokuphila unomphela ezakha inani lemali kwinqubomgomo ngokuhamba kwesikhathi ziyatholakala futhi zibiza kakhulu. Abahlanganyeli abakhulile bakhokha imali enkulu ngokubuyisela izinzuzo njengoba isikhathi asikho ukuthola ukwakha imali yenqubomgomo.
Izinhlobo zomshuwalense wokuphila unomphela
Izinhlobo ezivame kakhulu zomshuwalense wokuphila unomphela zikhona impilo yonke, ukuphila okuguquguqukayo, nokuphila kwendawo yonke.
- Umshuwalense wokuphila wonke ngumshwalense owathengayo njengendlela yokutshalwa kwemali ngoba uqoqa imali ongayihoxisa uma uhlangabezana nesimo esiphuthumayo. Umshuwalense wokuphila wonke ufaka wena impilo yakho yonke uma nje ukhokhela i-premium. Ungase futhi ukhokhele kwinqubomgomo yakho ngaphambi kokufa futhi lokhu kungabangela ukuthi inqubomgomo iphele noma ingabe ingasakukufihla uma kwenzeka ukufa. Abaningi-zimali babheka lezi zinqubomgomo njengokutshalwa kwezimali okubi. Naphezu kweqiniso lokuthi ungakwazi ukulikhiphela, izinga labo lokubuyela liyinto encane.
- Umshuwalense wokuphila oguqukayo unikeza imali kubazuzi bakho uma ufa. Okukwenza ukuthi kuguquke ukuthi kukuvumela ukuba unikeze ingxenye ye-premium oyikhokhayo kwi-akhawunti ehlukene eyenziwe ngezimali ezehlukene zokutshala izimali ezinikezwa yinkampani yomshuwalense. Lokhu kungafaka isikhwama samasheya, i-akhawunti yemakethe yemali, kanye / noma isikhwama sesikhwama. Zihlukana nokuphila okuphelele ngokuthi inani labo liguquguquka ngokusekelwe ekutshaleni kwakho okuvame ukuba okungenani okungenani okuqinisekisiwe yinkampani yomshuwalense.
- Umshwalense wokuphila wendawo yonke unomkhakha wokulondoloza okhula ngesisekelo esilandela intela. Ingxenye ye-premium yakho isetshenzisiwe yinkampani yomshuwalense ezibophweni, izimali zokukhokhela imali kanye nemali yemakethe yemali. Izinga lokubuyiselwa kwezimali zokutshala lidalwe kwinqubomgomo yakho ngesisekelo esenzelwe intela. Izinga lentengo elincane eliqinisekisiwe elihlinzekwe yinkambiso, okuvame ukuthi ibe ngu-4%, kusho ukuthi, kungakhathaliseki ukuthi ukutshala izimali zenkampani kwenziwa kanjani, uqinisekisiwe ukubuyisela okungenani imali yakho.
Umshuwalense wokuphila ngumhlomulo wesisebenzi ohlonishwayo. Ukufunwa emva kwabasebenzi kulindeleke ukuthi umshuwalense wokuphila ube yingxenye yesikhwama somsebenzi ophelele.