Fahamka Nolosha Insurance: Hordhac

Caymiska Life inta badan waa lagama maarmaan marka aad ka fiirsan xaqiiqda ah in wax si lama filaan dhici - matalan khasaare lama filaan ah nolosha of walalihii ah. The primary value of any life insurance policy is that it provides financial protection for your family if you happen to pass on, iyo in sababta ugu muhiimsan ee aad ka fikirto waa qaadashada caymiska nolosha ah inkasta oo ay dayactirka adag tijaabiyo jidka.

life insurance policy

Waa in aad fahamto oo aad u baahan tahay siyaasad caymiska nolosha haddii:

  • Waxaad ku tiirsan; laakiin haddii aad leedahay tiirsan no, aad u badan tahay laga yaabaa in aanay u baahan tahay siyaasad caymiska nolosha ah.
  • Waxaad tahay walalihii ka mid ah qoyskaaga; laakiin haddii aad leedahay qoys laakiin ma ay dakhli ay isticmaalaan qoyska, markaa waxaa laga yaabaa inaadan u baahan tahay siyaasad caymiska nolosha ah.
  • Dhimasho Your lama filaan ah ay sababi doontaa dhibaato in dadka qaar; haddii laakiin ma, waxaa laga yaabaa inaadan u baahan tahay siyaasad caymiska nolosha haddii aad u baahan tahay si ay u daboosho aad aaska u ah.

Intee buu ka qiima siyaasadda nolosha ayaad u baahan tahay? Sababaha soo socda go'aan ka kartaa xaddiga qiimaha caymiska nolosha aad u baahan tahay:

  • Ilaha dakhliga kale Your
  • Tirada tiirsan aad qabto
  • Inta ay deymaha aad suurto gal lagugu leeyahay dadka kale
  • Nooca hab nololeed aad ku nooshahay (khatarta aad wajiga) dhanka caafimaadka, shaqo, driving, meesha la degan yahay, iwm.

Wixii dhamaan dadka Maraykanka, inta badan waxaa jira laba nooc oo ah caymiska Caymiska nolosha si ay u iibsadaan, inkastoo ay jiraan kala duwanaansho ah ee labadan aaddiyay caymiska nolosha: caymiska nolosha oo dhan, iyo caymiska nolosha dheer.

Term Life Insurance

Marka la eego mid aad u fudud, caymiska nolosha dheer bixiya gargaar dhimasho aad markaad dhimato, laakiin ma qiimaha lacag caddaan ah. Tani waxay ka dhigan tahay ku tiirsan waxaa loo bixinayaa buro ama caddad bishii variable at geeridiinii, laakiin ma helayo faa'iidooyinka kale ee maalgelinta ay sameeyeen shirkadda caymiska ee aad lacagta caymiska. Iyada oo ay tani waa bareejo, khubaro caymiska qaarkood talin in aad ka heli karto caymis ah nolosha dheer haddii aad ka yar tahay 40 sano oo qaba cudur halis ah ma.

Whole Life Insurance

Nolosheeda oo dhan ayaa ka qaalisan nolosha dheer, iyo khidmadaha sida caadiga ah wax isbedel ahi ka badan mudada siyaasadda; Si kastaba ha ahaatee, shirkadda caymiska samaysa maalgashiyo on lacag caddaan ah qiimaha aad ku dhistaa reserve lacag caddaan ah oo aad u - iyo waxaad sawiri kartaa qiimaha lacag caddaan ah xitaa in aad nooshahay.

Variable and Universal Life Insurance

Kuwani waa doorsoomayaasha oo ka mid ah laba nooc ee hore ee caymiska nolosha. Caymiska Doorsoome nolosha kaa caawinaysaa in aad dhiso reserve caydha, oo shirkadda caymiska kaa caawinaysaa in aad maal barnaamijyada maal-stock iyo ganacsiga ay ka. Reserve iibka fuliya sida kaydka maal-, taas oo micnaheedu yahay qiimaha lacagta caddaanka ah reserve aad buu dhisaa si deg deg ah marka suuq wanaagsan yahay, laakiin inaad lumiso lacag marka suuqa liidata falaa.

Nolosha Universal ayaa dhanka kale waxa uu isugu jiraa of dheer oo dhan nolosha iyo qoreysa dabeecadaha labada. Waxaad xorriyad ah si ay ula qabsadaan macaashka dhimasho, iyo xitaa kala duwan yihiin qayb ka mid ah dakhliga ku ururay si ay u daboosho qayb ka mid ah kharashka lacagta caymiska. Xaaladdan, joogtada ah ee caymiska aad uga yar tahay nolosha oo dhan, laakiin ka sarreeya nolosha dheer.



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