Kutenga Hupenyu Inishuwarenzi Kune Yako Yakakosha Zvimwe: Izvo Zvaunofanirwa Kuziva

Iyo COVID-19 denda ine vanhu vazhinji vachifunga nezvekuwedzera kuchengetedzeka kwemari. Inishuwarenzi yehupenyu inobatsira kugadzirira zvisingatarisirwi mari. Inopa chengetedzo, pamwe nerunyararo rwepfungwa uchiziva kuti vadikani vanogona kuzvitarisira. Kuva neinishuwarenzi yehupenyu kunogona kukusunungura kubva mukutsvaga kusingaperi-kwekuchengetedzeka kwemari. Kana usina murwi muhombe wemari wakarara, ipfungwa yakanaka kutora inshuwarisi. Zviitire iwe kana yako yakakosha imwe. Izvi zvinowanzo kuve nyore kuita.

Kana iwe uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchitaurirana mune chakakomba hukama uye iwe uine hanya nezve imwe hafu yako kugara zvakanaka, ita shuwa kuti ivo vanochengetedzwa kubva pakuona kwemari. Izvo zvinokwanisika kutenga inishuwarenzi yehupenyu kune mumwe munhu uye uzvitumidze semubatsiri kana iwe uine inishuwarenzi kufarira

Chii chisingadzivisike kufarira, zvakadaro?

Kana usati wambosangana nepfungwa yekuti inishuwarenzi mubereko zvisati zvaitika, iwe unofanirwa kuziva kuti irudzi rwemari inokudzivirira kubva pakurasikirwa nemari. Kunyanya chaizvo, iwe unogona kuwana kufukidzwa kwemari kuzviitiko zvinotyisa senge kufa, kurasikirwa, zvichingodaro. Saka, kana iwe ukava nemhedzisiro yemari semhedzisiro yako yakakosha yekupfuura, iwe unogashira muripo kubva kukambani yeinishuwarenzi Kuchenjerera kunofanirwa kubhadharwa kuchokwadi chekuti hazvisi pamutemo kune veinishuwarenzi kutengesa marongero kune mumwe munhu mukushaikwa kwechido ichi chisingachinjiki. Panofanira kuva nechikonzero chechokwadi chekumisikidza munhu iyeye.

Chaizvoizvo, izvi zvinoreva chiyero chekufarira kwezvinhu muinishuwarenzi. Vatakuri veinishuwarenzi vanofarira ndivo vanonhuwira. Nezve inishuwarenzi yezvivakwa, kufarira kuripo kunoratidzwa mukukosha kweiyo inishuwarenzi yezvinhu.

Sezvaunogona kufungidzira, humbowo hwekusavimbika kufarira hunodiwa panguva yekushandisa chikumbiro nekutenga mutemo wekuvhara. Kuita shuwa kuti inishuwarenzi inokwanisika iripo, kambani yeinishuwarenzi ichaita hurukuro yakakwana nemuridzi wemitemo, mubatsiri, uye inishuwarenzi. Ivo vanozoona kana paine hukama chaihwo panenge paine kurasikirwa kana munhu wacho afa, kungave kuri kwemanzwiro kana kwemari hunhu. Kana inishuwarenzi isingadzivisike isipo panguva yekutenga, kambani yeinishuwarenzi haisungirwe kubhadhara mari kubva mupolisi - nemamwe mazwi, kuzadzisa chisungo chayo, sekubvumirana.

Marudzi einishuwarenzi ehupenyu anowanikwa kune vakakosha vamwe

Iwe unokwanisa kuwana inishuwarenzi yehupenyu kufukidza yeimwe hafu yako kana iwe uine inishuwarenzi kufarira. Kana wako akakosha mumwe achida kutora chinhanho mukuita, izvo zviri nani. Kutenga kweinishuwarenzi yehupenyu chikamu chehurongwa hukuru hwemari.  Yakawanda sei inishuwarenzi yehupenyu yekuwana   iri nyaya inofanirwa kutariswa nekuchenjerera. Tora nguva yekunzwisisa kuti kuwanda kwakawanda kungave kwakanakirei kune ako mamwe mamiriro.

Mhando dzakasiyana dzeinishuwarenzi yehupenyu dzinowanikwa mumusika, saka unofanirwa kuita sarudzo yehungwaru. Parizvino, isu tichaisa pfungwa dzedu pazvinhu zviviri zvinozivikanwa zvigadzirwa: inishuwarenzi yehupenyu hwese uye izwi reinishuwarenzi yeupenyu. Zvinogona kuve zvinonetsa kuziva nzira yekusarudza chaiyo mhando yeinishuwarenzi yehupenyu.

Hupenyu hwese inishuwarenzi

In spite of the fact that it is a little bit more expensive, whole life insurance guarantees that there will be a payout if the person passes away within the specified term of the contract as long as the premiums are paid on time. if your other half does not want to pay for the life insurance policy, you will have to take up this responsibility to ensure that the policy remains in effect. Hupenyu hwese inishuwarenziincludes a savings component, which translates into the fact that it accumulates cash value. You can withdraw money from the cash value if you decide to put an end to the policy.

Term hupenyu inishuwarenzi

Term hupenyu inishuwarenziis the most common way of protecting a significant other financially. What happens is that you buy life insurance coverage for a certain number of years (10, 20, 30, etc.). The premiums are relatively low, so it is the most affordable option on the market. You can obtain significant amounts of coverage for reasonably low costs. The percentage of individuals who get approved for term life insurance is relatively high. If you meet the necessary requirements, you are good to go.

Maitiro ekuwana inishuwarenzi yehupenyu kune yako akakosha mamwe

Izvo hazvisi kunze kweyakajairika kuti iwe unoda kutenga inishuwarenzi yehupenyu kune waunoda. Kana paine chero chinhu chaizoitika, mutemo uchaona kuti haupinde muchikwereti mushure mekurasikirwa nemari yawakajaira. Usatombo kunetseka kana iwe usingakwanise kune chaiyo inishuwarenzi nekuti pane zvakawanda zvigadzirwa zvinopa kuchinjika Kudzoka pamusoro wenyaya, usatambise imwe nguva, uye gadzirira zvinodiwa. Izvi ndizvo zvaunofanirwa kuita, chaizvo.

Gadzira hukama nekambani yako yeinishuwarenzi inopfuura nhamba uye hurukuro. Sangana mu-munhu uye utore chitaurwa. Tsvagisa makwikwi emari pamberi penguva, ziva zvaunofarira uye zvido zvemari, uye gadzirira mibvunzo yako. Inowedzera mikana yako yekuwana iwo mareti iwe aunoda.

Iwe haufanire kuteedzera neese inshuwarisi wega wega. Kana iwe uchida kuve nechokwadi chekuti iwe uri kuwana yakanakisa dhizaini, shandisa enzaniso webhusaiti, iyo inobvisa iyo yekufungidzira kunze kwemaitiro. Iwe unobva wawana mukana wekuwana asingaverengeki makambani einishuwarenzi makotesheni kuti akubatsire iwe mukuita.

Iyo inishuwarenzi broker inobatsira kuchengetedza zvaunofarira. Iwe unogona kuita sarudzo ine ruzivo nezve rudzii rweinishuwarenzi runodiwa. Iwe uchawana kufukidzwa nemutengo wakanakisa, saka unenge usiri kushayikwa pane chigadzirwa chiri nani kumwe kunhu. Zvakare, iyo inishuwarenzi broker ichakubatsira iwe kunzwisisa ako mabasa.

Chekupedzisira zvakadaro chakakosha, haugone kutora inishuwarenzi yehupenyu usinga zivise mumwe wako. Chibvumirano chinodiwa, tisingataure kuti zvakakosha kuti uongororwe nachiremba. Kana iwe ukaenderera mberi nehurongwa zvakadaro, iwe unenjodzi yekuita chimwe chinhu chisiri pamutemo. Iko kutora chikamu kweako akakosha mamwe mukati mekuita maitiro kunokosha uye kunyange kutodiwa. Enzanisa makotesheni kubva kumakambani akasiyana siyana kuti uwane pfungwa yesarudzo dzako uye chengeta mupfungwa kuti ruzivo isimba.