Iibsashada Caymiska Nolosha ee Muhiimka ah Kanaga Kale: Maxaad U Baahan Tahay Inaad Ogaato

Cudurka faafa ee COVID-19 dad badan ayaa ka fikiraya kordhinta amniga dhaqaale. Caymiska nolosha wuxuu caawiyaa isu diyaarinta kharashyada lama filaanka ah. Waxay bixisaa nabadgelyo, iyo sidoo kale xasillooni maskaxeed iyadoo la ogaanayo in kuwa la jecel yahay ay naftooda daryeeli karaan. Haysashada caymiska nolosha ayaa kaa caawin kara ka daba-joogsiga aan dhammaadka lahayn ee amniga maaliyadeed. Haddii aanad haysan lacag aad u tiro badan oo jiifa, waa fikrad fiican inaad qaadato caymis. U samee naftaada ama tan kale ee muhiimka ah. Tani badanaa way fududahay in la sameeyo.

Haddii aad ku lug leedahay xiriir qatar ah oo aad ka walaacsan tahay qeybtaada badqabkaaga, hubi in laga ilaaliyo dhanka dhaqaalaha. Waa suurtagal inaad u iibsato caymiska nolosha qof kale oo aad isku magacawdo ka-faa'iideyste haddii aad leedahay danayn aan la daweyn karin.

Waa maxay xiisaha aan la daweyn karin, si kastaba?

Haddii aanad waligaa la kulmin fikradda ah dulsaar aan la dabooli karin hadda ka hor, waxaad u baahan tahay inaad ogaato inay tahay nooc ka mid ah maal-gashiga kaa ilaalinaya khasaare dhaqaale. Si ka sii saxan, waxaad ka heli kartaa caymis maaliyadeed oo ka dhan ah dhacdooyinka naxdinta leh sida dhimashada, khasaaraha, iyo wixii la mid ah. Marka, haddii aad la kulantid cawaaqib xumo xagga geeridaada ah, waxaad lacag ka helaysaa shirkadda caymiska. Feejignaan ayaa loo baahan yahay in lagu bixiyo xaqiiqda ah in ay sharci darro tahay in caymisyayaashu ay siyaasado ka iibiyaan qof iyada oo ay maqan tahay xiisaha aan la dabooli karin. Waa inay jirtaa sabab sharci ah oo caymiska shaqsigaas gaarka ah.

Macno ahaan, tan micnaheedu waa cabir ku saabsan sheyga xiisaha qofka caymiska ku jira. Kuwa sidaha danaha caymiska ahi waa caymisyada. Marka laga hadlayo caymiska hantida, xiisaha jira waxaa lagu muujiyaa qiimaha hantida caymiska leh.

Sidaad qiyaasi karto, caddeynta xiisaha aan la dabooli karin ayaa loo baahan yahay inta lagu guda jiro howsha dalabka iyo iibsashada siyaasadda caymiska. Si loo hubiyo in xiisaha aan la dabooli karin ay jirto, shirkadda caymisku waxay wadahadal buuxa la yeelan doontaa milkiilaha siyaasadda, ka-faa'iideystaha, iyo caymiska. Iyaga ayaa go'aamin doona haddii uu jiro xiriir dhab ah halkaasoo khasaaro uu ka dhalan doono marka uu qofka dhinto, ha ahaato mid shucuur ama dhaqaale. Haddii dulsaar aan la dabooli karin uusan jirin waqtiga iibka, shirkadda caymiska waajib kuma aha inay bixiso lacagaha ka soo baxa siyaasadda - si kale haddii loo dhigo, si ay u fuliso waajibaadkeeda, sida lagu heshiiyay

Noocyada caymiska nolosha ee loo heli karo dadka kale ee muhiimka ah

Waxaad awoodaa inaad hesho caymiska nolosha nuskaaga kale haddii aad leedahay dano aan la daweyn karin. Haddii kuwa kale ee muhiimka ahi ay diyaar u yihiin inay door firfircoon ka qaataan geedi socodka, taasi way ka sii fiicantahay. Iibsiga caymiska nolosha waa qeyb ka mid ah qorshaha maaliyadeed ee weyn. Intee in le'eg oo caymiska nolosha ah in la helo waa arrin mudan in si taxaddar leh looga fiirsado. Waqti sii si aad u fahamto inta caymis ee ugu habboon xaaladdaada gaarka ah.

Noocyada kala duwan ee caymiska nolosha ayaa laga heli karaa suuqa, markaa waxaad u baahan tahay inaad sameyso xulasho caqli badan. Waqtigan xaadirka ah, waxaan diirada saari doonnaa labada wax soo saar ee ugu caansan: caymiska nolosha oo dhan iyo muddada caymiska nolosha. Waxay noqon kartaa caqabad in la ogaado sida loo doorto nooca saxda ah ee caymiska nolosha.

Caymiska nolosha oo dhan

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. Caymiska nolosha oo dhanincludes 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.

Caymiska muddada nolosha

Caymiska muddada noloshais 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.

Sida looga helo caymiska nolosha kuwa kale ee muhiimka ah

Maaha wax iska caadi ah inaad rabto inaad u iibsato caymiska nolosha qofka aad jeceshahay. Haddii wax dhacaan, siyaasaddu waxay hubin doontaa inaadan deyn ku bixin ka dib markaad lumiso dakhligii aad kula qabsan jirtay. Ha ka welwelin haddii aadan u qalmin caymiska caadiga ah maxaa yeelay waxaa jira alaabooyin badan oo bixiya dabacsanaan. Dib ugu noqoshada mowduuca, ha lumin waqti dheeraad ah, oo samee qabanqaabada lagama maarmaanka ah. Tani waa waxa aad u baahan tahay inaad sameyso, asal ahaan.

Xiriir la sameyso shirkaddaada caymiska oo dhaafsiisan tirooyinka iyo wadahadalka. La kulan-qof ahaan oo hel qiime. Daraasad ku samee sicirka tartanka ka hor waqtiga, la soco dookhaaga iyo baahiyahaaga dhaqaale, oo su'aalahaaga diyaarso. Waxay kordhisaa fursadahaaga helitaanka qiimayaasha aad rabto.

Khasab kuguma aha inaad dabagal ku sameysid caymis kasta si shaqsi ah. Haddii aad rabto inaad hubto inaad helayso heshiiska ugu fiican, isticmaal websaydh isbarbardhig ah, kaas oo tirtiraya mala-awaalka geedi socodka. Waxaad isla markaaba marin u heli doontaa xigashooyin shirkado caymis oo aan tiro lahayn si ay kaaga caawiyaan hawsha.

Dilaalka caymisku wuxuu kaa caawinayaa ilaalinta danahaaga. Waxaad sameyn kartaa go'aan wargelin ah oo ku saabsan nooca caymiska loo baahan yahay. Waxaad kuheli doontaa caymiska qiimaha ugufiican, markaa kama waayi doontid wax soo saar kafiican meel kale. Intaa waxaa sii dheer, dallaalka caymiska ayaa kaa caawin doona inaad fahamto masuuliyadahaaga.

Ugu dambeyntiina waa muhiim, ma sameyn kartid caymiska nolosha adigoon ogeysiin lammaanahaaga. Oggolaansho ayaa loo baahan yahay, maaha in la xuso inay lagama maarmaan tahay in la maro baaritaan caafimaad. Haddii aad horay ugu sii socoto qorshaha, waxaad halis ugu jirtaa inaad sameyso wax sharci darro ah. Kaqeybqaadashada waxyaabaha kale ee muhiimka ah inta lagu gudajiro howlaha dalabku waa lama huraan oo xitaa waa la doonayaa. Isbarbar dhig xigashooyinka shirkadaha kala duwan si aad fikrad uga hesho xulashooyinkaaga oo maskaxda ku hayso in macluumaadku awood yahay.