Endowment upenyu inishuwarenzi - rugare rwepfungwa chipo uye chivimbo mune remangwana.

Chero munhu anogona kuona dzimwe kutya. Chokwadi, mumwe nomumwe zvavanazvo; anotya kuva oga, uye vamwe nerima. Asi pane kutya kuti mumwe dhigirii zvinobatana zvose kana zvinenge vanhu vose. Tiri kutaura zvavanotya chokuita akaremara, pamwe simba uye rufu.

Chero bedzi munhu vanongogara nzira youpenyu, yokuwana chokurarama nacho, kutenga dzimba, motokari nezvimwe zvinhu, anonzwa chivimbo. Zvisinei, nguva nenguva nayo ichiri akashanyira pfungwa zvaizoitika mhuri yake kana pakarepo anowa achirwara, akaremara, kana kuipa, kufa. Sezvingatarisirwa, hapana munyika vanogona kuponeswa kubva hosha dzose uye rufu, asi kunzwa vamwe chivimbo ramangwana ravo uye nezveramangwana vadiwa munzira dzakawanda anobatsira upenyu inishuwarenzi accumulative.

Zvinosuruvarisa vanhu vakawanda havazivi kuti upenyu inishuwarenzi imwe tinofanira kugara yakasiyana nemamwe marudzi ose inishuwarenzi pachako. Kunyange kune zvakawanda nuances kuti kusiyanisa chigadzirwa ichi inishuwarenzi. Chekutanga, tinofanira kugara upenyu uye utano inishuwarenzi iri rakapa kwenguva zvakakwana refu yenguva (kusiyana chete zvokurapa inishuwarenzi, izvo zvinogona wakabudiswa kunyange kwegore, vanenge 2 weeks).

Chechipiri, munhu insured pasi purogiramu inonzi ngozi upenyu inishuwarenzi yacho (ari chibvumirano zvakajeka zvinokanganisa zvakatarirwa rinoshandisirwa), chinozadzwa vakabhadhara kunyange chiitiko kukuvara zvinoratidzwa chibvumirano kana iri chiitiko urwere (kana chibvumirano iroro) . Kana munhu akapa tinofanira kugara upenyu inishuwarenzi munhu, chero kukuvara kana chirwere havasi insured zviitiko. The policyholder vachagamuchira mari chete kana incapacity (urema) kana rufu (mu iyi, vadyi venhaka kugamuchira muripo).

At paro, tinofanira kugara upenyu inishuwarenzi kunosanganisira inishuwarenzi uye mari (zvakafanana kubhengi dhipoziti). Asi, kusiyana rubatso pamahombekombe, asi insurer havagoni kuvimba kumusoro mubereko pamusoro chibvumirano chavo, nokuti achiri inishuwarenzi youpenyu, uye ayo inokosha - kudzivirirwa, zvisingabatsiri.

Kuita chibvumirano nemari inishuwarenzi, mutengi anobvuma nenguva mari kuti insurer imwe mari, uye pakupera chibvumirano, anogona kutarisira kugamuchira zvose vaunganidza mari yacho pamwe mubereko. Anogona kugamuchira sechinhu bundu Nemutengo (Verengai insured zvakazara achapiwa kune nhoroondo yake), uye pane akafanorongerwa purogiramu (semuenzaniso, pamwedzi, sezvo mamwe mudyandigere).

Kana insured munhu akaita tsaona kana vanorwara zvakakomba kuti ichaguma kuremara kana rufu, kuti insurer kuzvitenga zvizere chitsama chibvumirano, pasinei mari yakawanda aigona kuponesa yeGmail.END_STRONG tichiregeredza pachavo mipiro yavo.

Chokwadi, zviri nani kuti vararame, mafungiro akanaka uye haana kufunga nezvomukana nenjodzi. Asi kusaina chibvumirano mari inishuwarenzi, munhu anozviisa kubvisa kutya zhinji, ichipa wakadzikama chivimbo uye chivimbo mune remangwana mhuri yake.