Inshorensi yobomi sipho: nokurhafiswa iinkampani eRashiya nakwamanye amazwe

Akukho mntu waziyo kwixesha elizayo. Kwanabo izicwangciso ngenyameko ubomi bakhe, banawo kwizifo, ziingozi, ulwaphulo-mthetho, njalo njalo. On. Kodwa kukho indlela uqiniseke izinto kakuhle-ntle kwiintsapho. Yizani inshorensi zoncedo sipho yobomi. iinkampani Rating nokunika inkonzo enjalo, uya thaca ngezantsi.

Yintoni i-inshorensi sipho?

Inkqubo-inshorensi yobomi inika ithuba ukugcina ethile imali iminyaka embalwa. Umntu uthembisa ukuba ahlawule imali ngenyanga okanye ngonyaka. Ngelo xesha linye inkampani yeinshorensi unyanzelekile ukuba ahlawule isixa esithile xa isiganeko inshorensi okanye ekupheleni kwekhontrakthi.

Amazwe kuphuhliso ngakumbi inshorensi yobomi. Iinkampani Rating aphesheya ngonyaka nizalise umbutho omtsha abaselula, ukucela ukuba zenza into kwi ngokwemimiselo kakuhle ngakumbi. Abathengi akakwazi kuphela wonge imali, kodwa mbalwa. inshorensi sipho lubonisa ithuba ukuqokelelana eyinkunzi, kudityaniswe inshorensi yobomi kunye nempilo ye client. Phambi kokuba wenze isivumelwano eso, kuyimfuneko ukuhlola izindululo zeenkampani ezahlukeneyo.

"Renaissance Life"

inkampani ye-inshorensi isebenza emalikeni kangangethuba ixesha elide yaye ikwaze intembeko abemi. Le yenye iinkampani zokuqala Russian ukuba uqale izifundo inshorensi yobomi sipho. iinkampani Rating nokunika inkonzo enjalo, "Renaissance Life" kuqala ngengozi. UMthengi ithuba lokukhetha imali apho ukwenza into. Kusenokuba engange, zeerandi kunye euro. Umxhamli abe ngummi Russian Federation ukusuka kwiminyaka eli-18 ukuya 55. Ekupheleni kwesivumelwano uMthengi kufuneka ube neminyaka engaphezu kwama-65.

Ungakhetha inshorensi elide (ubuninzi - iminyaka eli-10). Ekupheleni kwesivumelwano umxhasi kuhlawulwa yonke imali iminikelo ukuze kungenelwe-40%. Kwimeko kufa imirhumo ihlawulwe uhanjiselo-zibuyiselwa kwindlalifa. Yonke imali byi abantu akhuselwe nxamnye kwamaxabiso. Ngenxa yoko, omnye ufumana ithuba ukucwangcisa ikamva labo zemali.

"ASCO"

Kuya kusiba ehlabathini ethandwa inshorensi yobomi lonyuselo. Iinkampani ukukala Kazakhstan ivula Umbutho "ASKO". Ukuze inshorensi ubomi kunye nempilo kwaye ngexesha elinye bandisa isixa esithile mali inokuba yiyo nayiphi ngummi omdala kweli lizwe. iindleko nkqubo sibalwa ngamnye kwaye kuxhomekeke kubungakanani ukuba umxhasi ufuna ukufumana kwi ekupheleni kwekhontrakthi.

Yenza ukuba ndinganabo omnye ngexesha lenene. Ngelo xesha, ukuze ufumane lo mgaqo-nkqubo, akukho mfuneko ngaphandle kwendlu. Onke amaxwebhu afunekayo aya kusiwa ngeposi. Abo abathengi abasafuna kufika kwi-ofisi ngokwabo uyakwazi ukufumana isaphulelo se-15% kwi wokuvala.

"Insurance Life Alfa"

Nika ukuzithemba kwi-inshorensi yobomi numbers elizayo. Iinkampani Rating uyaqhubeka "Alfa Insurance Life." Le program, nto leyo eyenziwa yile nkampani, akuyi kuphela ukugcina imali efunekayo mali ngomhla othile, kodwa uya kuba ukhuselo eziphathekayo xa kuthe kokufa umxhasi okanye ukulahlekelwa nako kwabo ukusebenza. Kwimeko-inshorensi isixa esipheleleyo izihlobo.

inkqubo yokonga ukhuselekile ngokupheleleyo irhafu. Kuze kubuye imali umxhasi onke amagalelo ezenzayo zithathelwa ingqalelo impahla kwinkampani ye-inshorensi. Ngoko ke, lo izibophelelo eziphathekayo ukuya kurhulumente bengekho ngokupheleleyo. A client of kwinkampani ye-inshorensi buvuleleke nawuphi na ummi omdala le Russian Federation ayikho ngaphezu kweminyaka engama-55. Ekupheleni kwesivumelwano le polisi ofumana imali epheleleyo iminikelo imivuzo-17%.

"Rosgosstrakh Life"

Iziko ikwabonelela i-inshorensi yobomi endowment kakuhle. Ngowe-2016, esi simo iinkampani "Rosgosstrakh" uthabathe enye yeendawo zokuqala. Le program, nto leyo ezinikezelwa ngumbutho, zinezibonelelo ezininzi. Umxhamli kunye nentsapho yakhe ukufumana ukhuseleko lwezimali kwiimeko ezingxamisekileyo (ukufa zeinshorensi, ukugula, ingozi). Ukongeza, kuyenzeka ukuba ukujikelezisa imali ekujoliswe izifundo, ukufunyanwa welifa okanye isithuthi. inkqubo Insurance ivumela ngobuchule isicwangciso iindleko. Ngonyaka zoMqulu iimali ezingasetyenziswanga, nto leyo inceda ubakhusele kwamaxabiso.

njani I zoba inshorensi yobomi lilonke? Iinkampani Rating kuquka imibutho kunye ngazo aqukumbele isivumelwano kuba iimeko abanyanisekileyo. Ukuba sicinga "Rosgosstrakh Life," ukuze abe umxhasi we wonke ummi omdala we-Russian Federation ayikho ngaphezu kweminyaka engama-70. ixesha ikhontrakthi seminyaka emi-5 ukuya kwi-22. Ngexesha intengiselwano umthengi unalo ithuba lokukhetha indlela yokuhlawula iintlawulo inshorensi - ngenyanga, ngekota okanye ngonyaka. Ekupheleni kwesivumelwano le polisi lifumana ukubuyiselwa imali kumvuzo ukuya kwi-10%.

"Standard Insurance Russian"

Iziko inikeza ngoluhlu lweenkqubo insurance, kuquka i-inshorensi yobomi sipho. Iinkampani sokulinganisa eRashiya wandise intlangano ngengozi. Le mvumelwano yaqukunjelwa kwinkampani ye-inshorensi, kunokuba enye esemagqabini walibeka. Kwimali ngumxhasi, zikhuselwe nxamnye kwamaxabiso. Oku kuthetha ukuba lomxhasi qiniseka ukuba imali iza kuphela ugcinwe, kodwa banda. Ukongeza, le polisi iza kufumana intlawulo xa kuthe ingozi okanye ukugula.

Client Inkampani "Russian Standard Insurance" sivulelekile ukuba ngummi Russian Federation lowo eminyakeni yobudala engama-18. Ukugqiba isivumelwano kunokwenzeka nakweliphi na iziko-ofisi. Ekuhambeni kwexesha real ungenza kwakhona isicelo ukufumana ipolisi ye-inshorensi yobomi. Rating iinkampani ze-inshorensi ubukhulu becala iquka amaqumrhu ukuba abe umsebenzisi-friendly izibonelelo web ngenxa yoncedo lwabathengi. Abathengi "Standard Russian" na nangaliphi na ixesha ukungena kwi-akhawunti yakho online kunye nokuhlaziya ulwazi imali.

"Sberbank of inshorensi"

"Savings Bank" - okufunwa kakhulu-emva kokuba iziko zemali eRashiya. It inikeza umbutho kunye endowment inshorensi yobomi. Ukalisho arhente kwakhona kuba ngokwemiqathango ncam kakuhle wo yingisela. Kwakhona kukho isindululo iinkqubo eziliqela inshorensi yokonga. "Okokuqala Capital" - imveliso leyo ibandakanya zemali asethi abantwana ubomi abadala. Intengiselwano zingaphunyezwa ngoko nangoko emva kokuzalwa komntwana. Yindlalifa uzakufumana isixa esipheleleyo-mali elingathathwanga kweminyaka eli-18.

Kwakhona inkqubo inshorensi ezithandwayo "Indlela umvuzo." Eyona nto ibalulekileyo kukuba umthengi uhlawula iintlawulo nje ivakale ilumeza abanye kakuhle yayibafanele. ke iintlawulo kakade, ukuba wenze oko. Loo inshorensi lokonga kuyingenelo ngakumbi kubantu abasebenza ngokungacwangciswanga. Intlawulo ye inkampani yeinshorensi sinokuba Ukongeza entle ipension encinane. Xa kudlula zokwanda kwinqanaba imbuyekezo mali izalamane ifunyenwe.

"VSK Insurance"

Eli ziko ikwanika inshorensi yobomi sipho. Xa nokubeka iinkampani ngowama-2016, ngokubonelela ngeenkonzo kummandla St. Petersburg, lo mbutho iphumelele indawo yokuqala. Kunye nento yokuba zibe inshorensi kuphela abemi Russian kodwa basemzini abahlala kweli lizwe. Ngokutsho inkqubo inshorensi yobomi ukuze inshorensi kwaye umntwana omdala ngaphezu kweenyanga ezili-12. imbuyekezo intlawulo iza kwenziwa kwimeko ixesha elibekiweyo okanye ukunyamekela yobomi zabathengi.

Xa isicelo zeinshorensi kule mvumelwano zinokuqukwa ngakumbi umhlathi malunga nempilo. Kulo mzekelo, isixa iminikelo rhoqo kuya kuba ngaphezulu kancinci.

Sipho inshorensi yobomi evela kwinkampani "FAC" uneempawu zawo. UMthengi ithuba lokukhetha ubungakanani kulondolozo aqinisekisiwe. Le inzuzo. Indexing kuthetha akhuselwe kakuhle kangaka ngokuchasene emali. Iminikelo ukuba umthengi kufuneka ahlawule ngekota okanye qho kwiinyanga ezintandathu ngexesha inshorensi uphela (5 ukuya ku-20 iminyaka). Elona sixa-inshorensi - 150 amawaka engange. Uyakwazi ukwenza anganiphatha amazwe (zeerandi okanye euro).

Metlife

Ixesha ngokwaneleyo elide yenziwe inshorensi yobomi numbers. Iinkampani makafakwe ekuhlawuleni irente kufuneka bafunde ubuncinane ukuqinisekisa yentlawulo ngqo ezifunyenwe yi ekupheleni kwekhontrakthi. Nje kwenzeka, abathengi abaninzi isigqibo ukuba basebenzisane kunye neenkampani zangaphandle. Enye kakhulu ethandwayo kwamanye amaziko inshorensi yi Metlife. Le nkampani isebenza emarikeni ngaphezu kweminyaka engama-15. Ofisi nazo kumazwe ico.

inkqubo inshorensi Popular imali ebizwa ngokuba "Igama". Umntana kunokuba zombini abadala kunye nomntwana. UMthengi ithuba lokukhetha isixa-inshorensi, nto leyo iya kwahlulwa-hlulwa ibe alinganayo. iminikelo lomxhasi ukwenza qho ngenyanga okanye ngonyaka. Imali accumulated luhlawulelwe nokuba xa kusehla ukufa le polisi xa ekupheleni kwexesha lesivumelwano.

inkqubo "Igama" - isiseko zemali robust ekuvumela ukuba ukulungiselela iziganeko ezibalulekileyo kwixesha elizayo. Ukubalwa indleko inshorensi ingenziwa ngexesha lenene kwi website esemthethweni yokusebenza benkampani.

"VTB Insurance"

Umbutho unika amagama kakuhle inshorensi yobomi numbers. Xa nokubeka ngamaqela ngo-2015 inkampani wangena ezilishumi phezulu. It inika iinkqubo kusiza abantwana kunye nabantu abadala. imveliso Popular "Reserve Fund". Sele intlawulo yokuqala kwenza kube lula ukwandisa uncedo lwemali likaxakeka. Ngaphezu koko, iklayenti nganye iyakwazi ukufumana-13% ye-mali emva ngokohlobo kutsalwe irhafu.

"Reserve Fund" ikuvumela ukuba ukudala ukhuseleko lwasemthethweni lokonga imali. Iminikelo ehlawulwa ngumthengi phantsi kwesivumelwano inkampani yeinshorensi ayikwazi kurhoxiswa yinkundla.

"IsiCwangciso Personal" - enye inkqubo ethandwa inshorensi yokonga. Ngoncedo lwe lomxhasi ukudala izinto zobuqu, nto leyo iya kuhlawulwa ngomhla othile kweentlawulo rhoqo.

Indlela ukuba benze izinto ezilungileyo?

Ngokwenene kuluncedo inokuba inshorensi yobomi lonyuselo. Imilinganiselo, ukubuyekeza ngazo - olu lwazi kufuneka ifundwe kokuba ayolala kwi kwiziko elithile. Kufuneka kukhunjulwe ukuba imvumelwano kuya kufuneka utyikitye ixesha elide. Kuqala kufuneka inikwe iinkampani inshorensi asebenza emarikeni iminyaka engaphezu-10.

Qiniseka ukuba banikele ingqalelo ikomkhulu ogunyazisiweyo umbutho othile. Le nkampani ithathwa enokuthenjwa ukuba kwama-200 ezigidi engange. Nikelani ingqalelo iindleko kwaye akhulule asethi zeziko inshorensi. Okukhona inkampani izinto eziphathekayo, kungona pay.