Coverage for the Loss or Disability to a Key Employee
Painodiwa
Munhu anokosha kugoverwa kunogona kukosha apo kambani inobva kune mumwe kana vaviri kuti vabudirire.
Semuenzaniso, Dave naDan Divine pachake Divine Designs, chiziviso chakakosha chine simba. Varume vaviri ava hama uye mumwe nomumwe ane unyanzvi hunokosha. Dave ndiye muvakirati ane tarenda uye Dan ndiyo chikwata chekutengesa. Kubudirira kwekambani kunobva pamatarenda evanhu vaviri. Kana Dave kana Dhani afa kana kuti akaremara, bhizinesi haringapona. Kuti uzvidzivirire pachako, kambani inotenga munhu anokosha kugoverwa kune varume vose vari vaviri.
Iwe unofanirwa kufunga nezvekutenga munhu anokosha kugovera kana bhizinesi rako rine chero chezvinhu zvinotevera:
- Bhizimisi rako rinonyanya kuvimba kune mumwe kana vanhu vakawanda vane unyanzvi hunokosha uye zvingave zvakaoma kutora
- Kufa kana kuremara kwemunhu mukuru kunogona kukonzera bhizinesi rako kurasikirwa nemari yakawanda
- Bhizimisi rako rine chikwereti icho chingava chakaoma kubhadhara kana mumwe munhu akafa akafa kana akaremara
- Bhizimisi renyu rinoronga kutsvaga mari. Vazhinji vezvemari nemabhangi vachakumbira kuti iwe uve nehutu hwekuvhara vanhu vasati vatambanudza mari kumakambani enyu.
- Yenyu inoronga kuungana kana kuenda kuvanhu. Iwe uchada kugoverwa kwevatariri vepamusoro uye nhengo dzebhodi.
Life Insurance
Bhizinesi rinotenga inshuwarisi yehupenyu hwehupenyu hwehutano hunozvidzivirira pachavo pamusoro pekufa kweumwe munhu anokosha. Kana munhu akakosha afa, kambani inogamuchira mari yemutemo.
Iyo kambani inogona kushandisa mari yekubhadhara uye kudzidzisa imwe nzvimbo, kubhadhara chikwereti, kana chimwe chinangwa.
Munhu anovhura inshurensi yehupenyu inogona kunyorwa kwenguva yakati (yakadai semakore makumi maviri) pasi peshoko remutemo. Inogonawo kunyorerwa pasi pehupenyu hwehupenyu hwehupenyu hwose.
Mamwe makambani ane anopfuura munhu mumwe chete. Muenzaniso ndeye Divine Designs, inotsanangurwa pamusoro apa. Iyo kambani inobva kune Dhani uye Dave nekuda kwaro. Chimwe chisarudzo ichokambani chinogona kufungisisa ndechehupenyu hunoita "kutanga" kufa. Mutemo wacho waizobhadhara mari kune kambani kana Dan kana Dave vakafa. Mutemo wacho haugone kushanda kune musara akasara. Kubhadharwa kwemitemo kwaizoshandiswa kutsiva kuedza kwemuvambi wekutanga (kuhaya vashandi, kuvhara kurasikirwa kwekutengesa nezvimwewo). Inishuwarenzi yakatengwa nenzira iyi ingadai inodhura zvishoma pasi pemitemo yehupenyu hwevanhu vaviri.
Disability Inishuwarenzi
Umushuwarenzi wehutano hwehurema hunodzivirira kambani inopesana nemukana wekuti mushandi mukuru acharemara kusvika paanenge asingakwanisi kushanda. Batsiro inogona kubhadharwa pamwedzi kana kuti semari. Batsiro inobhadharwa mushure mekumirira nguva yakatarwa. Iyi nguva inogona kunge iri mazuva makumi matatu kana makumi matanhatu ekubhadhara kwemwedzi uye mwedzi 12 kana gumi nemakumi matatu nemari yekubhadhara mari.
Hakuchina "chimiro" chemutemo wehutu hwehurema hwehurema. Asi, mutemo wega wega unogadzirirwa kugadzirisa zvido zvekambani kutenga zvinyorwa.
Nhamba yeInishuwarenzi Inodiwa
Kugadzirisa huwandu hwehupenyu hwehupenyu kana hwehutano hwekuremara kunotenga kune munhu mukuru hausi nyore. Iwe uchada kuenzanisa kurasikirwa kwezvemari (yakarasikirwa mari kana purogiramu) yako yakasimba inotambura apo munhu mukuru anofa kana kuti akaremara. Iwe uchazofanirawo kufunga nezvekubhadhara kwekuunganidza, kubhadhara uye kudzidzisa mumwe mushanduri. Anishuwarenzi kana kuti mutengesi anogona kukubatsira kuti uverenge mari yehushandi yaunoda.
Mipirogiramu yaunobhadhara kune munhu anokosha kugoverwa kazhinji haisi kuderedzwa pamitero yemitero . Zvisinei, rufu kana kuremara kunobatsira iyo ikambani inogamuchira inowanzoregererwa mutero. Bvunza nyanzvi yako yezvemitero kuti uone kuti kutengesa kwehushuwarisi hwemunhu hupi huchakanganisa mitero yako yakasimba.
Chinyorwa chakagadzirwa naMarianne Bonner