Isembozo somngcwabo ongashadile noma umuntu ngamunye inqubomgomo yomshuwalense ekhokha lapho umuntu o-insured efa. Kuhloswe ukuthi kuhlawulwe izindleko zomngcwabo futhi kusizwe umndeni wabashonelwe ngezindleko ezimbalwa zansuku zonke ngemuva kokulahlekelwa othandekayo.
Izinzuzo Zokumbozwa Kokungcwaba Komuntu Ngamunye
Akekho owaziyo ukuthi ukufa kungabakhona nini futhi noma ungeke ukwazi ukondla umndeni wakho ngemuva kokushona kwakho, ubungeke uthande ukukuthwalisa kanzima ngokukhokha imali oyithumele ekugcineni. Isembozo somngcwabo womuntu ongashadile siqinisekisa ukuthi imali izoba nomndeni wakho uma usushonile. Lokhu kungasetshenziselwa uhla lwezindleko zomngcwabo kusuka esakhiweni sokungcwaba kuya kwibhokisi lezinsizakalo zomngcwabo.
Amacebo amaningi omngcwabo azonikela nomndeni wakho ngosizo lwamahhala, eluleka ngenqubo ehlukile yezindleko zomngcwabo kanye nezindleko, anikeze izeluleko zezomthetho futhi ahlinzeke nangezeluleko ezihlukumezanayo kwezinye izikhathi. Futhi ingxenye enhle yohlelo lokungcwaba lomngcwabo ukuthi ikhokha kungakapheli amahora angama-48 okusho ukuthi umndeni wakho akudingeki ulinde ukuqala ukulungiselela umngcwabo wakho.
Izinzuzo ukuthi unokuthula kwengqondo ngenkathi usaphila ukuthi umngcwabo wakho ngeke ube yinkinga enkulu yezimali kubathandekayo bakho. Futhi umndeni wakho unenzuzo yokwazi ukuthi bangakunika imali yokugcina abayifunayo, ehambisana nezinto abazithandayo nangaphandle kokukhathazeka ngokuqongelela imali, ukuboleka izihlobo noma ukubolekwa ngemali mboleko encane.
Izindleko Zokumbozwa Kokungcwaba Komuntu Othile
Isembozo somngcwabo womuntu oyedwa siqala kusuka ku-R40 njalo ngenyanga kodwa amanani entengo ayahluka ngokuya ngezinga lekhava oyikhethayo. Udinga ukuba okungenani ube neminyaka eyi-18 kanti ezinye izinhlelo zomngcwabo ngeke zithathe umuntu ongaphezulu kweminyaka engama-60 kanti ezinye zizokwamukela umuntu aze afike eminyakeni engama-75.
Isembozo somngcwabo weCheet sizokhokha cishe u-R5,000 kuya ku-R10,000 kanti ikhava ebiza kakhulu izokhokha kuze kufike ku-R50,000 noma ngaphezulu. Kungahle kube nesembozo esimbili uma ushona ngengozi futhi izikhathi zokulinda ziwele uma kwenzeka ngengozi yokufa.
Kulezi zinsuku kunzima ukwenza umngcwabo kunoma yini engaphansi kuka-R10,000 kanti yize kungabonakala sengathi kunemali enkulu, zibuze ukuthi ngabe umndeni wakho uzoba nayo yini imali ngesikhathi sokufa kwakho?
Ungase ube nokonga ngisho nenqubomgomo yomshuwalense wokuphila kepha wenze le mali kufanele ube khona ukusiza umndeni wakho ngezindleko zawo zokuhlala, ungakhokhi ngomngcwabo wakho. Uhlelo lokungcwaba umuntu oyedwa ngeke lukubize “ngengalo nomlenze” futhi ngeke luphule isabelomali sakho senyanga. Kepha kungenza wonke umehluko emndenini wakho uma ungasekho ukuwaxhasa.