Agent Versus Broker
Vashandi nevatengi vanoita sevanopatsanangurira pakati penyu (mutengi wemutengesi) uye mabhizimisi enyu. Mumwe nomumwe ane basa repamutemo kuti akubatsire kuwana kugovera kwakakodzera pamutengo wakakodzera. Mumwe nomumwe anofanira kuva nechiremba chokugovera rudzi rwe inshuwarisi iye ari kutengesa. Anoshanda kana mutengesi anofanirawo kubatana nemitemo inoshandiswa nehurumende yehurumende inshumo.
Mhedzisiro huru pakati pevatengesi uye anoshanda ane chokuita nevanomiririra. Mumiririri anomiririra imwe kana mamwe makambani eshuwarisi. Anoita sekuwedzera kwe inshuwarisi. Mumwe mutengesi, kune rumwe rutivi, anomiririra mutengesi weinishuwarenzi.
Agents
Maagent angave akatapwa kana kuti akazvimiririra . Mutapwa anomirira imwe inshuwarisi. Agent anomiririra Allstate kana State Farm ndivo vatapwa vabati. Sangano rezvimiririra rinomiririra vatengesi vakawanda.
Kutengesa michuwarisi yemishonga inshumo kune imwe nzvimbo ye inshuwarheni, sangano rinofanira kuva nekambani neyo inshuwarisi .
Kumbomira chibvumirano chebvumirano chinotsanangura mimwe michina iyo sangano rinogona kutengesa. Inotsanangurawo mapepa emishuwarenzi achabhadhara chimwe chigadzirwa. Chibvumirano chinowanzotsanangurira sangano rinosunga sangano, zvinoreva simba rayo rokutanga chirongwa chemu inshurenti.
Iyo mumiriri angave ane mvumo yekuzvisunga mamwe marudzi ekuparidzira asi kwete vamwe.
Mabhengi haasaruri nevanishuwarenzi. Vanokumbira inshuwarimi mazwi uye / kana mitemo kubva kuvatsigiri vekutsigira nekutumira zvipedza zvakapedzerwa panzvimbo yevatengi. Mabhengi haana kodzero yekuzvisunga. Kutanga purogiramu, mutengesi anofanira kuwana binder kubva kune inshuwarisi. A binder ibhuku repamutemo rinoshumira sehurumende yemainishuwarenzi kwenguva pfupi. Inowanzoshanda kwenguva pfupi, yakadai semasikati makumi matatu kana makumi matanhatu. A binder haisi yakakodzera kunze kwekuti yakasayirwa nemumiriri we insurer. A binder inotsiviwa nepurogiramu.
Mabhengi angangodaro angave akatengesa kana kutengesa. Mumwe mutengesi mutengesi anopindirana zvakananga neinishuwarenzi vatengi. Kana iwe wakashanyira mutengesi, ndiani akazowana inshuwarisi yekuvharidzira iwe, iye kana mutengesi mutengesi. Mune zvimwe zviitiko, mutambi wako kana mutengesi angave asingakwanisi kuwana inshuwarisi yekuchengetera iwe kubva kune anowiridzi ve inshuwarisi. Muchiitiko ichocho, iye anogona kuonana nemutengesi mukuru. Vatengi vakawanda vanoziva mune mamwe marudzi ekuparidzirwa. Vakawanda vakapfuura mitambo vatengesi , avo vakaronga kuvharidzirwa kwezvipingamupinyi zvisingawanzove kana zvinokuvadza. Mienzaniso ndiyo inishuwarenzi yemubhizimisi yemubhizimisi wekugadzira motokari uye kuvhara kwemotokari yemotokari yemutambo wekare.
Komisheni
Kunyange zvazvo vamwe vatapwa vari mubhadharo, vashandi vakawanda nevatengi vanovimba nemakomisheni emari. Komisheni inobhadharwa kubva pamitima yepamutemo inopomerwa kune vashandi vehurumende nevanishuwarenzi. Izvi zvinogona kusanganisira zvigaro zvemakomisheni uye zvinyorwa zvisingabatsiri.
Base commission ndiyo iyo "inowanikwa" inotora mari yehuturi. Bhokisi reBase rinoratidzirwa maererano nehuwandu hwehuwandu hwepayimusi uye hunosiyana nehuwandu hwekugovera. Semuenzaniso, nhengo inogona kuwana, inoti, 10 muzana mutemo wemishonga yekubhadhara vashandi uye 15 muzana pamitemo yakawanda yezvakagadziriswa . Ngatiti iwe unotenga mutemo wemhosva kubva kuElite Insurance Company kuburikidza neJesen Agency, anoshanda oga. Jones anobhadhara 15 muzana mutemo pamusoro pemitemo yakawanda. Kana chikamu chako chemari yegore rose chiri $ 2,000, Jones anounganidza $ 2,000 kubva kwauri uye anochengetedza $ 300 mukutumirwa.
Jones anotumira mari inosvika $ 1,700 kumubhizimisi.
Kukurudzira vashandi kuti vanyore bhizimisi idzva , vamwe vatsigiri vekubhadhara vanobhadhara mutemo wepamusoro wemitemo mitsva pane yekuvandudza. Semuenzaniso, inshuwarisi inobhadhara 10 kubva muzana yevashandi vatsva mari yekubhadhara vanogona kubhadhara 9 muzana chete apo mutemo wacho uchivandudzwa .
Zvinopesana kana zvinokurudzira zvinopa vatsigiri nevatsigiri kuti vawane vavhu, kubatsirwa, kukura kana kuchengetedza zvinangwa zvakagadziriswa ne insurer. Semuenzaniso, Elite Insurance inopikira kubhadhara Jones Agency imwe yeruzhinji yemapurisa komisheni kana Jones anonyora $ 10 mamiriyoni mumatongerwo emitemo itsva mune imwe nguva. Kana Jones anovandudza makumi mapfumbamwe makumi mashanu emitemo iyo paanopera, Elite ichabhadhara Jones kuwedzera 2 peresenti commission.
Zvinopesana nemakomisheni zvinokakavadzana. Nechinhu chimwe chete, vatengesi vanomirira inshuwarisi vatengi. Vamwe vanhu vanovhiringidza kuti vatengesi havafaniri kugamuchira zvinyorwa zvisingabvumirwi. Uyezve, vamwe vatengesi vanounganidza hurumende dzemitemo pasina ruzivo rwevatengi vavo. Imwe dambudziko nderekuti mapurisa anokwanisa kupa vashandi (uye vashandi) chikonzero chokukurudzira inshuwarisi vatengi mumitemo inonyanya kubhadhara kune mutengesi. Kana vashandi nevatengi vanobvumirana nemishandirapamwe, vanofanirwa kuzivisa chokwadi ichi kune avo vanoita zvematongerwo enyika. Vamwe vatengesi zvino vanoramba mitemo yakadaro.
Mutengi wako kana kuti mutengesi anofanira kukupa mubhadharo wekuzarura chirevo icho chinoratidza mhando dzemakomisheni iyo sangano kana rekwereti inogamuchira kubva kune vashandi vayo. Iyi nyanzvi inofanirwa kutaura kana iyo sangano kana rekwereti inogamuchira zvigadzirisiti zvemasimba chete, kana kana inogamuchirawo mapepa emitemo.
Vanyori Vanonyora
Vamwe vatsigiri vekutengesa vanotengesa mitemo zvakananga kune vanotengesa vashandi vasingashandisi vashandi kana vatengi semapepanari. Aya ma-inshuwaridzi anonzi vanyori vakananga . Vanyori vazhinji vakanyanyisa vanofunga nezvehupfumi hwevanhu pachavo sevadzidzisi vemunharaunda uye nemitemo yega auto. Zvisinei, vamwe vanopawo zvigadzirwa zvebhizimisi kumabhizimisi maduku
Life Insurance
Vashandi nevatengi vanotengesa inshuwarisi yehupenyu vanobhadhara mishoni. Zvisinei, mujeri wehupenyu anowana zvizhinji zvebato raanoita mukati megore rokutanga remutemo. Komisheni inogona kuva 70 muzana kusvika 120 kubva muzana yemuhoro wekutanga mugore rekutanga, asi 4 kubva kune 6 kubva muzana yepamende yekuvandudzwa.