Kuso sonke lesi sihloko sibonisa imininingwane mayelanakungani uthathe umshwalense wempilo?, uzothola lapha ngolwazi olubaluleke kakhulu. Ngokunjalo, sizokukhombisa amathiphu akhethekile azokusiza ukuthi uhlukanise umshwalense omuhle wempilo osezingeni eliphansi.
Indlela engcono kakhulu yokuvimbela noma yisiphi isimo esibi futhi ungashiyi noma yimuphi othandekayo engavikelekile
Kungani Uqasha Umshwalense Wokuphila?
Into umuntu angayinaki ukuthi impilo idlula ngokushesha kangakanani nokuthi ingasheshe iphume esandleni, kanti nasezweni lezezimali nanoma iyiphi enye indawo abakwazi ukukugwema ukufa njengoba kusho ukuthini kusukela lapho abantu bakhuphukele endizeni engokomoya abahambi nalutho, ngisho nezihlobo zabo zingase zibe sengozini yokushiywa emgwaqweni futhi zingenayo indlela yokuxazulula isimo sabo somnotho ngokuwela ezikweletini. Lapha abaningi bayazibuzakungani uthathe umshwalense wempilo? kanjalo-ke, uma kuyinzuzo.
Impendulo yalezi ezingaziwa ilula, lolu hlobo lwezinsizakalo zokuvimbela kufanele lufakwe inkontileka ngoba singakwazi ukuvikela abathandekayo bethu ezimweni eziningi, ezingabangela imvelo e-diharmonious, ebonakala ngokukhula kanye nobuhlungu nokudabuka ukuthi , iza ukulahlekelwa ngumuntu ovela emndenini wethu, ngenxa yokuthi okungaziwa okukhulunywe ngakho ngenhla kubaluleke kakhulu empilweni yanoma ubani. Ngokunjalo, kuwebhu inkampane yokusesha ethi “Why Hire Life Insurance?” Kuyinto ephawuleka kakhulu namuhla.
Umshwalense wokuphila kufanele ufakwe inkontileka ngokuphoqelekile, ngoba abantu kufanele babe nesibopho sanoma yisiphi isimo esingase siphakame ekuphileni, njengoba, njengoba inkulumo yezwi elithi “Namuhla Sikhona, Kodwa Kusasa Akekho Owaziyo,” isho, kuyinto okufanele siyenze njengomthwalo wemfanelo. abantu abaneminyaka esemthethweni futhi sicabangela abantu esibashiya ngemuva, lapho kufika usuku lwethu nendawo yokuvalelisa. Ngokusetshenziswa kwalezi zinsizakalo, siqinisekisa umuntu esimethembayo ukuthi uzothola isamba semali esikhethekile, ngemva kokufa.
Laba bantu kufanele baqonde ukuthi kungani kubalulekile ukuthatha umshwalense wokuphila, kanye nawo wonke amathuluzi omthetho nezinqubo zomthetho okufanele zenziwe, ukuze kuqoqwe leso samba semali, futhi njalo kucatshangelwe izimiso ezishiwo encwadini yefa. salowo muntu, ozonquma emqulwini lowo, isizathu somshwalense ngokwemibandela yawo kanye nokuthi uzosetshenziswa ngani. Nokho, abantu bawubukela phansi umshwalense wokuphila njengento “engadingekile” ngenxa yezizathu eziningi.
Uma uthole lokhu okuthunyelwe kuthakazelisa, sikumema ngemfudumalo ukuthi ufunde, ujabulele futhi udlule esihlokweni sethu esikhuluma imakethe yangaphambili, lapho sichaza ngokugcwele umthelela wezomnotho lokhu okunawo emphakathini wezezimali, njengakwezinye izindawo ezibalulekile kumuntu, faka isixhumanisi esishiwo ngenhla, ukuze wazi ngokujulile le makethe yezimali enkulu ukuthi kancane kancane iye yashintsha kahle kakhulu. ezezimali zomhlaba wonke.
Okokuqala, ngokwenza inkontileka yomshwalense wempilo singaqinisekisa isikhwama sezomnotho, esizogcinwa ngesamba semali esizoncika ohlotsheni lomshwalense wempilo oceliwe, kusungulwe uchungechunge lwezinkokhelo okufanele zenziwe ngezikhathi ezithile. , i-patrimony ephuthumayo yokuxazulula noma iyiphi inqubo okudingeka yenziwe ngenxa yokulahlekelwa yilungu lomndeni kungakhathaliseki ukuthi lishone kanjani. Kubalulekile ukuqaphela ukuthi amaphepha e-postmortem athathwa njengenqubo edabukisayo neyesabekayo kakhulu okufanele yenziwe.
Ubani Ongenza Inkontileka?
Lapho abantu bedlula umbuzo othi “Kungani Uthenge Umshwalense Wokuphila?”, sebekulungele ukuthenga umshuwalense wokuphila ngaphandle kwenkinga enkulu, kodwa ungase uzibuze ukuthi “Ubani Ongakwenza?” nokuthi “Kuzokwenziwa nini?” Okokuqala, emhlabeni wonke, bonke abantu banelungelo lokufaka isicelo somshuwalense wokuphila ngaphandle kwezinkinga eziningi, behambisana namaphepha okulawula acelwa umshwalense wangaleso sikhathi. Noma kunjalo, ama-paradigms ahlukene angenzeka kufanele abonwe kusengaphambili, ngoba kunezimo ezingalimaza isicelo.
Endabeni yezingane, abazali babo bangakwazi ukwenza inkontileka yomshwalense wempilo ngemvume yengane, futhi ngaphansi kokutshala kwabo njengabameleli bezomthetho bengane, bangakwazi ukuhlanganisa lolu hlobo lokuthengiselana kwezimali zokuvimbela, ngokucabangela ukuthi abasha abakhululwa ekufeni nganoma yisiphi isizathu. Ngakolunye uhlangothi, zonke izakhamuzi ezineminyaka yobudala esemthethweni, kungakhathaliseki ukuthi zivela liphi izwe, zingacela lolu hlobo lwenkonzo, olunomthwalo obaluleke kakhulu ekuphileni kwanoma yimuphi umuntu.
Isikhathi sokukwazi ukufeza inkontileka nomshwalense ozikhethele wona, yilapho unquma, ngoba akukho mkhawulo wesikhathi sokwenza le nqubo, okuyinto ngokwayo bonke abantu okufanele baphoqeleke ukuba bayenze ngokushesha, noma kunjalo, akuphoqelekile ukuwenza ngaphansi kombuso obalulekile. Kodwa kwezinye izizwe, abantu kudingeka ngaphansi kwemithetho esemthethweni ukuthi bathathe inkontileka yomshwalense wempilo, njengezinye izinhlobo zomshuwalense wezempilo, njengoba izinhlelo zezempilo zalawo mazwe ziwudinga ukuze uthole imali.
Sengiphetha, lezi zinkontileka ngaphansi kwezimo ezithile zenziwa ngezinsuku ezikhethekile, ezinenhloso yokuvimbela yonke imindeni ezenzakalweni ezingalindelekile ezingalimaza umnotho wangaphakathi ezinawo, ngokulahlekelwa ngumondli wekhaya, njengelinye ilungu lomndeni elike lahlala. lowo obeka ukudla kwansuku zonke kanye namanye amalungu omndeni lowo. Ngakho-ke, lezi zinkontileka azenziwanga kuphela ngabanye njengelungelo lomuntu siqu, kodwa futhi ngokubambisana, ukuhlonipha nokunakekela amalungelo omndeni wonke.
Ubani Ongaba Ohlomulayo?
Uma umbuzo othi “Kungani Uthenge Umshwalense Wokuphila?” Kunzima ngandlela thize kwabanye abantu, lokhu kwenza umndeni wonke ungabaze uma uthathwa ubugovu, njengoba lowo ofakwe kumshwalense ekhetha ukuthi ubani ozohlomula uma kwenzeka eshona, futhi ukukhetha kwakhe kufanele kubhalwe encwadini yefa kanjalo. uqobo, lokhu kumele kuqinisekiswe futhi kuqinisekiswe, ukuze isinqumo sabo singaphikiswa yizihlobo ezivilaphayo. Ngokuvamile, abantu bakhetha izihlobo zabo zegazi eziqondile ukuthi zibe abahlomuli, njengabantwana babo, abazala, noma abazali.
Nokho, abashadile bangaba futhi abazuzi balokhu, kodwa akuyona into etuswa kakhulu njengoba laba uma bengenawo umhlahlandlela wezingane zabo, bangabashiya bengenalutho ngoba njengoba ibinzana lengxoxo lithi «Akukho muntu onakekelayo. ingane yomunye umuntu, u-Al Like Izingane zabo”, uma kubhekwa ukuthi bambalwa abantu abangenabo ubuhlobo bomzali ngokuzinikela abanakekela izingane zabashade nabo. Inketho engcono kakhulu ukuthi, lapho wenza inkontileka yesevisi eshiwo ngenhla, sungula umabi wemali futhi ube nayo ukuze ukhokhele izinto ezibalulekile.
Yiziphi izinhlobo zomshwalense wempilo ezikhona?
Uma kucatshangelwa lokhu okungenhla, njengokubaluleka kwale mishwalense njengebalulekile ezimpilweni zabantu abaningi bemvelo nabasemthethweni, kuyafaneleka ukwazi ukuthi umshwalense wempilo unezinqubo ezinhlanu ezikhethekile, eziphendula kumithetho esemthethweni ehlonipha izimfanelo ezinhle ezinikezayo. Owokuqala walokhu umshwalense wokuphila, oyisisekelo kakhulu, kodwa onokuguquguquka okufanele, njengoba ubude bawo busungulwa umshwalense, futhi ukufakwa kwawo kugxile kuphela ezindlekweni zokufa.
Owesibili kuwo umshwalense wempilo ogama lawo mbumbulu elithi "Whole Life", ohlanganisa izinkokhelo zezinqubo ze-postmortem zomshwalensi, njengoba ngendlela efanayo enikeza abahlomulayo, inani lemali elihambisana nakho konke okukhokhiwe. isungulwa kwinkontileka yomshwalense futhi ubude bayo buyisikhathi esingenamkhawulo, kungakhathaliseki ukuthi kwenzeka nini noma imbangela yokufa komuntu ofakwe kumshwalense. Ngakolunye uhlangothi, uhlobo lwesithathu lomshwalense wokuphila lubizwa ngokuthi "Impilo Yesikhashana", kodwa lokhu kukhokhwa kuphela lapho lowo ofakwe kumshwalense eshona ngenxa yezizathu zemvelo noma ingozi.
Ngokufanayo, uhlobo lwesine nolokuqala lomshwalense wokuphila lugxile kubantu abakhubazekile noma abangakwazi ukusebenza ngenxa yesifo esiwohlokayo, esivimbela kancane kancane lowo ofakwe kumshwalensi kuwo wonke amakhono akhe, futhi isikhathi sakhe sobude bugcinwa kwinkontileka ne- imibiko yezempilo yalokhu. Okokugcina, kunomshwalense wempilo othi "Ukuvikelwa Komndeni", amandla awo kuwukuqinisekisa umndeni wonke, kodwa isikhathi sawo sisungulwa ngaphakathi kwenqubomgomo futhi singaba sifushane noma side kuye ngamalungu.
Uma uthole lokhu okuthunyelwe kuthakazelisa, sikumema ngemfudumalo ukuthi ufunde, ujabulele futhi udlule esihlokweni sethu izinhlobo zabathengi, lapho sibala umsebenzi ngamunye wabo njengokubaluleka kwabo emhlabeni wezezimali, ngaphezu komthelela abanawo kunoma yiluphi uhlobo lwebhizinisi kungakhathaliseki ukuthi benza yiphi indawo, faka isixhumanisi esishiwo ngenhla, ukuze wazi kahle lezi. ochwepheshe abahle kakhulu abasiza ukuntanta noma yiziphi izingxoxo ezingase zibe khona.
