Top 6 Zifukwa Anthu nazo Taganizirani kugula inshuwalansi

Kuti avareji American, pali awiri yodalirika kwambiri zinthu pamoyo - imfa ndi misonkho; koma funnily zokwanira, life insurance can provide relief from both of these factors combined. Lang'anani, chidutswa si mmene ntchito moyo inshuwalansi kuteteza kutsutsa zotsatira za imfa ndi misonkho mukapita - ife tione kuti chidutswa china soonest, koma ichi ndi chifukwa chake anthu ambiri safuna kugula moyo inshuwalansi ndi chifukwa panapita nthawi yaitali pamaso muzindikira anagula kuti nawonso.

Buying Life Insurance Policy

1. Anthu chidani chilichonse anagulitsa ndi wothandizila: Inde, inshuwalansi wothandizila inuyo kugula moyo inshuwalansi kapena ngati inshuwalansi ndipo nthawi kufotokoza mfundo ndi phindu kwa inu - amene mudana nacho chifukwa mukuganiza kuti ndi "malonda" zinthu kwa inu ndi kuyesa kukakamiza inu polekanitsa ndi ena ndalama ... palibe, kukuperekani inu ku n'kuwononga ndalama mwezi uliwonse kapena chaka - chifukwa pamene ali guts kulankhula za imfa yanu, inu angalephere kufa; ndipo mukuganiza kusanthula wanu amadalira si ntchito yawo.

2. Kukambirana za wanu zotheka imfa konse chidwi: Ndi kwenikweni mantha ndipo ngakhale osafunika aja kulankhula ndi mlendo wanu imfa, ndipo palibe amatsutsa zoti Ndipotu. Palibe amene akufuna kulankhula za imfa yake ndi zimene zingachitikire banja lake ndi okondedwa mu chochitika cha imfa yake, kotero iye amayika pa kutenga kanthu pa moyo inshuwalansi mpaka "zinthu zoyenera" yomwe mwina konse - ngati chisanu ndi wothandizila kachiwiri.

3. Ochuluka kwambiri moyo inshuwalansi katundu: Makasitomala ngati lingaliro la kukhala mungachite, koma osati pamene moyo inshuwalansi za chifukwa kusokoneza ndi zochepa bwino kusiyana. Mwachitsanzo, kuti American, pangakhale akuti inshuwalansi, okhazikika inshuwalansi, wonse, chilengedwe moyo, Pomalizira chisamaliro inshuwalansi, mwangozi imfa, ovuta matenda inshuwalansi, kulumala inshuwalansi, variable katundu, graded ndi kusinthidwa, kungakupatseni premiums, moyo phindu, adzabwerenso umafunika, ndondomeko kwa 5,10,20,30, kapena moyo Kuphunzira - onse kwambiri zosokoneza kuti angathe kasitomala.

4. Chirichonse za inshuwalansi mwamsanga, ndi yovuta: Kuti ndi Choonadi, inshuwalansi wothandizila nayo njira achite izo mwamsanga ndipo ngakhale amadana complication kuseri kwa katundu. Inu mukufuna kudziwa inshuwalansi amafuna kuti inu musati overpay kapena kulipira Kuphunzira kapena mankhwala simuyenera, ndipo inu amangowerenga kuti apeze njira kusintha wanu bajeti kuti malo inshuwalansi.

5. Moyo inshuwalansi ndalama kwambiri: Mungakonde mfundo yoti amadalira akhoza kulumikiza ndi mtanda ndi wokongola ndalama zanu imfa, koma inu mukudabwa chifukwa uzikwaniritsa kwambiri premiums kuti muli ndi phindu pamene inu mufa.

6. Inu musati kukhulupirira inshuwalansi kampani: Mumaopa mwina pindani pambuyo inu mwakhala kulipira premiums kuti ngati 10 Zaka; inunso ndikuganiza angalephere kulipira pamene inu kufa ndiyeno wanu amadalira kuvutika; inu ngakhale kuganiza kuti mwina ndalama zosakwana zimene analonjeza inu, ndi zina zotero.



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