Marudzi eUpenyu Insurance Available
Inishuwarenzi yehupenyu inoratidzira mushandirwi semushandi wekusarudza apo vanosarudzwa vanodiwa vanosarudza mikana yemabasa. Icho chimwe chezvinhu zvakakwana zvezvikomborero izvo vashandi vanotarisa apo basa rekutsvaga uye kusarudza mushandirwi.
Kunyanya vashandi vane mhuri dzakadai sekuchengeteka kwemusiteteti wekuchengetedza iyo inshurensi yehupenyu inopa.
Inishuwarenzi yehupenyu inopa rugare rwepfungwa kune mushandi anonetseka pamusoro pekuti mhuri yake, kana vagari venhaka, ichaita sei mari kana paanofa. Inishuwarenzi yehupenyu inopa humwe hutano hwemari kune avo vanopukunyuka vashandi kana kufa kwevashandi hakuiti nekuda kwechikanganiso chake.
Semuenzaniso, inshuwarisi yehupenyu hwekuchengetedza hupenyu inowanzosiya kune dzimwe rufu, kusanganisira rufu nekuzviuraya, kupesana kwevanhu kana kupesana, rufu runowanikwa panguva yebasa rechiuto, uye zvimwe zviitiko zvinosiyana nemaitiro.
Inishuwarenzi yehupenyu inotengwa kuburikidza nemhando dzakasiyana-siyana dzekusarudza.
Term Life Insurance
Inishuwarenzi yehupenyu yemazuva, iyo iyo inshurenzi kana mubhadhadzi wayo aripa mwedzi wega wega, wega wega, kana wegore wega wega yehuwandu hwehushandi hwehushandi huripo. Kwete mari yekutsinhanisa kana mari inokosha inowedzera kana yakavakwa mune imwe yeruzhinji inshurensi, asi iyo iyo inobhadhara mutengo wechipupuriro pakufa kwevashandi.
Imwe inonzi inshuwarisi yehupenyu inotora nguva. Vamwe vanowedzera mari yavo yepamutambo gore negore sezvo mushandi anokura. Mimwe mitemo ine mazuva ekupedzisira ekupedzisira sekunge ava nemakore makumi manomwe. Vazhinji vemazano vezvemari vanokurudzira inshuwarisi yehupenyu hwemazuva mazhinji sezvo mamwe akawanda mashandisi einishuwarenzi anotora mari yakawanda uye inosanganisira chikamu chekutsvaga chinotyisa mvura.
Inishuwarenzi yeupenyu husingagumi inogadzira mari inokosha mumutemo pamusoro penguva inowanika uye inodhura. Vatori vechikamu vakwegura vanobhadhara purogiramu yakawanda mukudzoka kwezvibatsiro sezvo nguva isingawanikwi yekuvaka mari inokosha yemutemo.
Mhando dzehupenyu hwehupenyu hwehutano
Nzira dzakawanda kwazvo dze inshuwarisi yehupenyu husingagumi ndehupenyu hwose, hupenyu hwakasiyana, uye hupenyu hwose.
- Inishuwarenzi yose yehupenyu ndiyo inshuwarisi yaunotenga semari yekutsvaga mari nekuti inowedzera mari yaunogona kubvisa kana iwe uchinge uine dambudziko. Inishuwarenzi yose yehupenyu inokufukidza iwe yehupenyu hwako hwose chero bedzi iwe uchibhadhara premium. Iwe unogonawo kushandisa mari yako mumutemo wako usati wafa uye izvi zvinogona kuita kuti purogiramu ipedze kana kuti haichakufukidzizve pane nyaya yekufa. Vazhinji varairimi vanoona mitemo iyi sekushambadzira kwakaipa. Pasinei nokuti iwe unogona kuisa mari yacho mukati, chiyero chekudzoka chacho chiduku.
- Inishuwarenzi yehupenyu yakasiyana-siyana inopa mari kune vanobatsirwa paunofa. Chinokonzera kushandura ndechekuti inokubvumira kupa chikamu chemari yaunobhadhara iwe pane imwe nhoroondo iyo inoumbwa nemari yakasiyana-siyana yekutsinhanisa inopiwa nekambani ye inshuwarisi. Izvi zvinogona kusanganisira chikwereti chemari, mari yekambani yemari, uye / kana bhadha mari. Zvinopesana nehupenyu huse pane kuti kukosha kwavo kuchinja kunobva pane zvamunotenga uye kazhinji kunowanikwa zvakanyanya nekambani ye inshuwarisi.
- Universal inshuwarisi yehupenyu ine chikamu chekuchengetedza icho chinokura pamutero-wakaderedzwa. Chikamu chebhadharo yako inoshandiswa nekambani yeinishuwarenzi muzvisungo, mari yekubhadhara uye mari yemusika wemari. Imari yekudzoka inotora chikwereti kumitemo yako pamitero-yakasarudzwa. Nhamba inowanikwa yakawanda inobhadharwa inowanikwa nehutano, iyo inowanzotarisana ne4%, zvinoreva kuti, pasinei nokuti mari yekambani inoita sei, iwe unobvumirwa kushandiswa kudhura pamari yako.
Inishuwarenzi yehupenyu inobatsirwa nevashandi vanobatsirwa. Kutsvaga mushure mevashandi vanotarisira inshuwarisi yehupenyu sechikamu chebasa rakazara rebasa rinobatsira.