Imuphi umshwalense wabakhubazekile

Ingabe ukhubazekile futhi ufuna ukwazi ukuthi yimuphi umshwalense ofanele wena? kulesi sihloko, ngikutshela mayelana umshwalense wokukhubazeka. Umshwalense usho umsebenzi umshwalensi awenza ngawo, ngenkontileka yomshwalense, ukuhlinzeka isevisi ezozuzisa omunye umuntu (ofakwe kumshwalensi) lapho kwenzeka isigameko esingesihle ngokushintshanisa ukukhokhelwa kwephrimiyamu noma umnikelo. Ukukhetha ukunakekelwa kwezempilo ngoba umndeni wakho into engenzeka kuwe.

Ubungozi bukhona isihloko senkontileka yomshwalense. Umshwalense uthathwa ngumuntu onomshwalense ukuze azivikele ezenzweni eziyingozi (ukugula, ukulimala, umlilo, ukufa, njll.) noma ezingozini zezinto ezithile anazo (imoto, ikhaya, njll.).

Uma kwenzeka ingozi, umshwalense unesibopho sokukhokha inzuzo/isinxephezelo ngendlela yemali kulowo ofakwe kumshwalense, okungukuthi kumuntu wesithathu, futhi esimweni somshwalense wempilo kubazuzi.

Ngokubuyisela le sevisi, umshwalense uqoqa i-premium kulowo ofakwe kumshwalense. Lesi samba silingana nezindleko zobungozi kanye nezindleko zokusebenza komshwalense.

Inkontileka yomshwalense kufanele ithathwe nenkampani egunyazwe ukwenza lo msebenzi. Uma sikhuluma ngomphakathi sisuke sibhekise kuwo ibhange noma inkampani yomshwalense. Ukubhalisa kuhamba ngesiginesha wenkontileka yomshwalense.

⛳️ Okufanele ukwazi ngabantu abakhubazekile

Umuntu okhubazekile yinoma yimuphi umuntu ophethwe a abakhubazekile noma ababencishwe amathuba kusuka kunoma yiliphi iphuzu. Kuphinde kube yinoma yimuphi umuntu onokukhubazeka okungaholela ekungakwazini ukusebenza okuphawulekayo nokuqhubekayo futhi obhekene nemikhawulo ekwenzeni imisebenzi yansuku zonke.

Incazelo yaleli gama isebenza kubo bonke, abantu, abesifazane noma amadoda, abanobunzima obuthile. Kungaba ingane, umuntu omdala noma omdala.

Noma yini ehlobene nokukhubazeka, okungase kube yimoto, inkulumo noma ulimi, okubukwayo, okukhaliphile, okuzwayo noma okuhlotshaniswa nezinye izinzwa zomuntu.

Ingaxhunyaniswa nemisebenzi ephilayo, noma ivele ku-autism spectrum disorder noma ukungasebenzi kahle kwe-autism. impilo yengqondo. 

🌿 Kungani umshwalense?

Ukuphila komuntu kungashintsha ngokuphelele ngemva kokuba kwenzeke ingozi. Ukulimala akutholayo kungaba yimbangela yokukhubazeka kwesikhashana noma unomphela, okumshiya echithekile eyedwa.

Noma kunjalo, umshuwalense ungaba usizo olukhulu, ikakhulukazi kubantu abaye bathatha isinyathelo sokubhalisela inkontileka yomshwalense kusengaphambili.

Ukukhubazeka komuntu ohlukunyeziwe kungakhava ngezinhlobo ezimbalwa zomshwalense, uma ukukhubazeka kungekona okokuzalwa kodwa okwephutha, futhi ngokwalokho okuhlinzekwa yinkontileka.

Umqondo wobungozi uyisisekelo somgomo womshwalense, okusho ukuthi iqiniso lokuchayeka engozini engaba khona, etholakala endaweni ethile noma esimweni esithile futhi lapho umuntu engakwazi ukubhekana nemiphumela yezimali, ukuthi zihlobene nezimpahla noma abantu. .

Ingozi yenzeka lapho kunengozi engaba khona yona ngokwayo evela engozini. Ngakho-ke, ingozi ichazwa ngokuphelele uma ingozi isikhonjiwe, ngakho-ke, ingenzeka, kodwa asazi ukuthi izokwenzeka futhi izokwenzeka nini.

 Umshwalense uxhumene kakhulu nomqondo wobungozi, uyisigameko esingahleliwe esesatshwa umshwalense ngemiphumela yawo yezezimali. Ingozi isekelwe kumibandela engu-03:

• Ikusasa : awukwazi ukuvikela isakhiwo ngemuva kokusha kwaso
• Okungaqiniseki : akwenzeki ukuqinisekisa ubungozi umuntu aqinisekile ukuthi buzokwenzeka ngedethi eyaziwayo;
• Ukuzibophezela : asikwazi ukuvikela umonakalo odalwe ngokuzithandela;

🌿 Izinhlobo ezahlukene zomshuwalense wokukhubazeka

Kunamafomula angu-02 omshwalense ayinhloko wabakhubazekile:

🔰 Impesheni yalowo osindile ikhishwa umbheki noma umzali womuntu okhubazekile

inkontileka

Umama kanye/noma ubaba womuntu okhubazekile, noma yimuphi oqondile noma isibambiso kuze kufike ku-3rd degree walo muntu, angabhalisela inkontileka enhloso yayo kuwukuba nesamba semali noma i-life annuity ikhokhwe ukuze kuzuze lo muntu, kusukela ekufeni kwakhe.

Ngokufanayo, abakhokhi bentela abathembele kunoma yimuphi umuntu okhubazekile bangase bathathe inkontileka ye-survival annuity ukuze kuzuze yena.

Izigaba eziningana zama-annuities ziyanikezwa, amanani awo abuyekezwa unyaka ngamunye.

Imibandela yenkontileka yempesheni yosindile

Ifana kakhulu nezimo ngokuvamile ezidingekayo enkontilekeni yokubhaliselwa kwenqubomgomo yomshwalense wempilo evamile:

• Ayikho imibandela yobudala kumuntu okhubazekile, kodwa umkhawulo weminyaka yobudala ecishe ibe yiminyaka engama-60 kobhalisile;
• Uhlu lwemibuzo lwezempilo lapho kufanele aphumelele ukuhlolwa kwezokwelapha kobhalisile;
• kuphela ingane ekhubazekile iyona ezuzayo ;
• Owakamuva kufanele athinteke, ngesikhathi sokusayina inkontileka, ngenxa yobuthakathaka obumvimbela ukuba asebenze ngaphansi kwezimo ezivamile zenzuzo noma, uma engaphansi kweminyaka engu-18, engakwazi ukuthola ukuqeqeshwa noma umyalelo walokho okubizwa ngokuthi izinga elivamile.

Izinzuzo impesheni yabasindile

Ngaphezu kweqiniso lokuthi umshwalense we-survival annuity unikeza intandane ekhubazekile imali engenayo eyengeziwe, unalezi zinzuzo ezilandelayo:

Uma kwenzeka lowo ohlomula eshona, umshwalense angase abuyisele imali, kumnakekeli onomshwalense, inani elincane lamaphrimiyamu akhokhwa kwinkontileka ye-survival annuity. Amaphrimiyamu e-Survival annuity angakhokhwa imikhandlu yezemisebenzi, izikhwama zempesheni ezingeziwe kanye nezinhlangano zababheki.

Inkokhelo ye-premium iyavula ilungelo lokwehliswa kwentela. Izimali ezikweletwayo ezikhokhelwa umuntu okhubazekile zikhokhiswa intela emalini engenayo kuphela ngengxenye yenani layo.

Umshwalense we-Survivor's annuity awunjalo kucatshangelwe ekubalweni kwentela yefa (ngaphandle kweminikelo ekhokhiwe ngemva kweminyaka engu-70 futhi kuye ngenani lamaphrimiyamu akhokhelwe ngokugcwele).

Izimali ezikweletwayo azinakwa lapho kuhlolwa izinsiza zomuntu okhubazekile zesibonelelo sabadala abakhubazekile, isibonelelo sesinxephezelo, isibonelelo sezindlu zomphakathi, isibonelelo sezingane ezincane, isithasiselo somndeni, isibonelelo sokubuyela esikoleni, ukufundiswa. usizo. Kanye nezindleko zesondlo kanye nendawo yokuhlala endaweni ekhokhelwa usizo lwezenhlalakahle

I-Survival annuity ingahlanganiswa nezimpesheni ezehlukene kuncike kuzo ngokwengeza, ikakhulukazi mayelana nempesheni yezintandane ezindala ezikhubazekile (izisebenzi zikahulumeni noma amasosha, izikhwama zempesheni ezingeziwe).

Kucatshangelwa ukubalwa kwesibonelelo esikhethekile sokuguga, isibonelelo esengeziwe. Okufanayo kusebenza esimweni sokuhlala endaweni yokwamukela izivakashi ngaphansi kosizo lwezenhlalakahle lwabantu asebekhulile.

🔰 Ukonga ngokukhubazeka

Inkontileka yokonga ekhubazekile

Inkontileka yokonga yokukhubazeka ibhaliswa ngumuntu ngokwakhe ngisho noma abagadi bengakwazi ukubamba iqhaza kulokhu konga, ngabodwana noma ngenkontileka ehlangene.

Indaba yokuphila kwenkontileka yomshwalense: inkontileka kufanele iqinisekise kulowo ofakwe kumshwalense ukukhokhwa kwemali enkulu noma i-life annuity.

Izimo

Isikhathi senkontileka kufanele sibe ngaphansi kweminyaka engu-6 (isikhathi esisebenzayo). Umuntu okhubazekile akudingeki abe neminyaka esemthethweni.

Kufanele athinteke, ngesikhathi sokusayina inkontileka, ngenxa yobuthakathaka obuthi, ngaphansi kwezimo ezijwayelekile zenzuzo, bumvimbe ukuthi asebenze uma ngaphansi kweminyaka engama-18.

Izinzuzo Zokonga Abakhubazekile

Ukukhokhwa kwamaphrimiyamu okonga ukukhubazeka kuyavulwa ilungelo lokwehliswa kwentela kulabo okuthiwa abakhokhi bentela abakhubazekile, ngakho-ke akunakwa lapho kunqunywa uphahla lwe-AAH. I-life annuity ivela kunketho, I-PEP ayikho ngaphansi kwanoma iyiphi intela.

Zonke izimpesheni ezikhokhelwa inkontileka yokonga abakhubazekile azinakwa ngaphezu kwenani elithile ngonyaka, ekubalweni kwesibonelelo sabantu abadala abakhubazekile.

Bangaphezu kwezimpesheni eziningana ezingaphansi komgomo wokuzithumela, ikakhulukazi impesheni izintandane ezindala ezikhubazekile (izikhwama zempesheni ezingeziwe, abasebenzi bakahulumeni noma amasosha).

Zisetshenziselwa ukubala isibonelelo sokuguga kanye nesibonelelo esingeziwe, kanye nokuhlinzekwa ngaphansi kosizo lwezenhlalakahle lwabadala uma kwenzeka behlala.

Singakhumbula ukuthi abantu abakhubazekile bayazuza ezinhlotsheni ezimbili eziyinhloko zomshwalense: i-survivor annuity kanye nokonga kokukhubazeka. Uhlobo ngalunye lomshwalense lunobuhle nobubi balo. Kuphuma kuwe.

⛳️Imibuzo Evame Ukubuzwa

Umbuzo: Kungani kubalulekile ukuthi abantu abakhubazekile babe nomshwalense othile?

R: Abantu abakhubazekile bangase babhekane nezinselele eziyingqayizivele zempilo nempilo.

Umshwalense othize wabantu abakhubazekile unganikeza ukuvikeleka okuhambisana nezidingo zabo ezithile, njengokunakekelwa kwezokwelapha, izinsiza zokuhamba kanye nokulungiswa kwekhaya.

Q: Yiziphi izinhlobo zokuvikela ezibalulekile kumshwalense wokukhubazeka?

R: Umshwalense omuhle wabantu abakhubazekile kufanele uhlanganise ukuhlinzekwa kokukhubazeka, ukunakekelwa kwesikhathi eside, ukunakekelwa kwabagula kakhulu, kanye nezinsiza zokuhamba.

Kubalulekile futhi ukuhlola ukuthi ingabe ipholisi ikhokhela izindleko ezihlobene nokulungiswa kwekhaya, okokusebenza okukhethekile kwezokwelapha kanye nokwelashwa okudingekayo.

Umbuzo: Ngingawuthola kanjani umshwalense ongcono kakhulu wabantu abakhubazekile?

R: Ukuze uthole umshwalense ongcono kakhulu wabantu abakhubazekile, kunconywa ukuthi usebenze nomeluleki womshwalense osebenza ngokukhethekile kule ndawo.

Bazokwazi ukuhlola izidingo zakho ezithile, baqhathanise izinketho ezahlukene ezikhona emakethe futhi bakusize ukhethe inqubomgomo ehambisana nezidingo zakho kanye nesabelomali.

Umbuzo: Yiziphi izimali okufanele zicatshangelwe lapho kukhethwa umshwalense wokukhubazeka?

R: Lapho ukhetha umshwalense wokukhubazeka, kubalulekile ukucabangela izindleko zamaphrimiyamu, izimali ezidonswayo kanye nemikhawulo yokukhokha.

Kubalulekile futhi ukuhlola ukuthi inqubomgomo inikeza izinketho zokukhokha eziguquguqukayo noma izaphulelo zabantu abakhubazekile.

Umbuzo: Yiziphi ezinye izinsiza zomshwalense ezitholakala kubantu abakhubazekile?

R: Ngaphezu kwezinqubomgomo zomshwalense ezivamile, kunezinhlelo zikahulumeni nezinhlangano ezingenzi nzuzo ezinganikeza usizo olwengeziwe lomshwalense kubantu abakhubazekile.

Kunconywa ukuthi uhlole izinsiza zezenhlalakahle zendawo noma amaqembu asekela abakhubazekile ukuze uthole ulwazi ngalezi zinsiza.

Lezi zimpendulo ezijwayelekile zingakusiza uqonde izici ezithile ezibalulekile okufanele uzicabangele lapho ukhetha umshwalense wabantu abakhubazekile. Kodwa-ke, kuhle ngaso sonke isikhathi ukuthintana nomeluleki womshwalense onguchwepheshe ukuze uthole iseluleko esiqondene nawe esisekelwe esimweni sakho ngasinye.

Siqedile futhi ngithemba ukuthi ekupheleni kokufunda kwakho, usulitholile ikhambi lenkinga yakho. Kodwa ngaphambi kokuba uhambe, nansi Ingabe wenze imali ngomuzwa wakhe wenethiwekhi yokuxhumana nabantu?