Zvichienderana neHurumende Mutemo
Kufanana nemakambani einishuwarenzi, vashandi ve inshuwarisi nevatengi vanochengetedzwa nehurumende .
Ivo vanozviisa pasi pemitemo yakagadzwa nemitemo yehurumende uye inosungirirwa nehurumende yemishuwarenzi madhipatimendi. Inishuwarenzi yekutonga masangano inowanzotaura kune vashandi ve inshuwarisi nevatengi semhizha.
Zita racho rinobva kubva pakuti vashandi nevatengi vanobudisa (vanoita) mari kubva kumakomisheni vanowana kubva kutengeswa kwemitemo . Paanishuwarenzi kana kushandiswa kwemari, izwi rinokura rinowanzoreva munhu anoita zvinowanzoita basa rekutengesa panzvimbo yekushandira vatengi. Nokuda kwezvinangwa zvechikamu ichi, mugadziri anongoreva chete mutambi kana mutengesi.
Murairi Chikwata
Zvose zvinoda vashandi ve inshuwarisi nevatengi kuti vawane reisense kuitira kuti vatengese inshuwarisi. Mamiriro ehurumende anogona kupa mhando dzakawanda dzeisense. Mienzaniso iyi yePurisa uye Chesitori cheisense, uye reLeight, Accident uye Health license. Rudzi rwevharesi muzvigadzirwa zvinokonzera zvinoenderana nemhando ye inshuwarisi iye uye inoda kutengesa.
Murimi anoda kutengesa inshuwarisi yehupenyu anogona kuwana reLove Only laisense.
Kana mukoti achida kutengesa upenyu hwehupenyu hwehupenyu uye njodzi uye hutano inshuwarisi, iye angangodaro aida Life, Accident uye Health license. Mhando dzeisensi dzakapiwa dzinosiyana kubva kune imwe nyika kuenda kune imwe nyika. Nyika dzingashandisa izwi rakasiyana-siyana kune rimwe rudzi rwemvumo.
Nzvimbo dzakawanda dzinoda kuti vashandi vagadzirise nhamba yakatarwa yemaawa emapurisa ekufananidzira asati awana reisense.
Kazhinji, mugadziri anopedza chirongwa che-prelicensing chinogamuchirwa nehurumende uye anotora mvumo yekuongorora. Kana uyo anenge achikumbira achipfuura muedzo wacho, iye anopiwa chikwereti. Vamwe varimi vanowana ma-license akawanda. Muveki anoda kutengesa zvose upenyu nehupfumi / kuurawa kwehutano ingangodaro inoda inshuwarisi yehutano yehupenyu uye chivako / chiremera chekushaya inshuwarisi.
Rimwe reisensi ye inshuwarisi inowanzobvumirwa kwemakore maviri. Kazhinji, reisensi yehushuwarisi inogona kuvandudzwa chete kana muiti achizadzisa dzidzo inopfuurira inotsanangurwa nedhipatimendi rehurumende yehushuwarisi. Nhengo inogona kudiwa kuti ipedze kuti, maawa makumi mana ekudzidzira dzidzo panguva yemakore maviri iyo reisensi iri kushanda. Muiti anogona kunge ane zvingasarudzwa zvekuzadzisa izvi zvinoda. Semuenzaniso, iye anogona kutora zvidzidzo, kupinda kumisangano, kana kupedza zvidzidzo zvepaIndaneti.
Usati wanyorera mapepa ejeri kana kuti mutengesi, iva nechokwadi kuti iye murairi ane chiremba. Iwe unogona kuvona chimiro chemuiti kuburikidza nekutumira dhipatimendi rehurumende yehushuwarenzi. Mahofisi akawanda einishuwarenzi anopa shanduro yeIndaneti iyo vatengi vanogona kushandisa kuti vaone kuti vhizha ravo rekuita rinoshanda.
Mabasa uye Mabasa
Muveki ane unyanzvi hwemabasa ekukubatsira iwe (mutengi) kuwana rubatsiro rwakakodzera rwehushuwarenzi.
Anofanira kufanangurira kuti zvii zviripo uye zvinokurudzira. Iwe unofanirwa kusarudza kuti ndezvipi zvinyorwa zvaunoda uye utaurire zvaunoda kumubhizha. Mutengi wako kana mutengesi anenge achifanira kuwana inishuwarenzi inoshandiswa. Kana zviitiko zvaunowana zvakasiyana pane zvawakakumbira, mukoti anofanira kutsanangura kusanzwisisika.
Muiti wako angave asina hanya kana iye akakundikana kukuzivisa kuti kugoverwa kwawakagamuchira hakusi zvawakakumbira. Semuenzaniso, iwe unotenga mutengo wezvokutengeserana wepamusoro kuburikidza nemujeri wenyu we inshuwarisi, Jack Jones Iwe unoudza Jack kuti iwe unoda kuisa chivako chekuchengetedzwa kwepamutemo mumutemo wako. Iwe unosimbisa kuti kugoverwa uku kwakakosha kune bhizinesi rako uye kuti inofanira kuiswa.
Apo Jack anosunungura purogiramu yako , anokuvimbisa kuti inosanganisira zvose zvinyorwa zvawakakumbira.
Mwedzi mitanhatu gare gare, chivako chauri iwe chinopiswa mumoto. Iwe unopa chirevo chemunzvimbo newaini yako inshuwarisi. Zvinosuruvarisa, mari yaunogamuchira nokuda kwekudaidzira yakanyanya kudarika zvaunotarisira.
Iwe unoona kuti pasinei nekuvimbiswa kwaJack, hurongwa hwako hahwunosanganisira kuvaka chirevo chekuvhara. Kana iwe ukasunga Jack nokuda kwekuregeredza, angave ane mhosva kune iwe mari yaungadai yaiunganidza pasi pekugadzira zvinyorwa zvekutonga kwaive nekubatanidzwa kwakabatanidzwa.
Muiti wako haafaniri kusungirwa kutarisira zviitiko zvose zvinogona kubuda kubva mubhizinesi rako uye kukukurudzira kuti ungavafukidza sei. Vazhinji vamiririri nevatengi havasi vatungamiri vekutengesa ngozi. Vanovimba nemashoko aunopa pamusoro pebhizimisi rako kuita mazano ekugoverana.
Muiti ane basa rekushandira zvakanaka nekuisa inshuwarisi yako neine inshurenzi yakanaka . Mune dzimwe nyika, mukoti ane basa rekukunyevera kana iye akadzidza kuti inshuwarisi yako yakave isina mari . Saizvozvowo, mukoti angave ane chikwereti chokukuzivisa iwe kana iye akava kuziva kuti hurongwa hwako huri kuda kuregererwa .
Broker uye Agent Fraud
Vazhinji vashandi ve inshurenzi nevatengi vanovimbika, vanoshanda zvakaoma. Asi, vamiriri vehuori vanovapo. Kana iwe uchifunga kuti mukoti wako ari kuita zvisina kutendeka , unofanira kumuudza iye kuhofisi yako yehurumende inshuwarisi. Heano zvimwe zviratidzo izvo muveki angave akaita bhizinesi yerushuwarisi :
- Murimi wacho akaunganidza purogiramu asi hapana mutemo wakaonekwa. Muiti anogona kureva kuti ari kuchengeta mutemo wako we "kuchengeta kuchengetedza."
- Mutemo wako wakabviswa mukati memakore asi iwe hauna kuwana purogiramu yekudzorera, kunyange zvazvo inshurensi inopupura kuti yakabudisa cheki.
- Murimi anokukurudzira kuti upe ruzivo rwakashata kana kuti rwakarurama muisensi yehushuwarisi.
- Murimi anokutengesa iwe sarudzo kubva kune inoratidzika isiriko inshuwarisi. Yenyu yekutsvaga paIndaneti inobhadhara hapana ruzivo.
- Iyo mumiriri anowedzera kugoverana kumutemo wako wausina kukumbira uye haudi. Chinangwa choga chechiito ichi ndechokutyaira mari yako yepamusoro uye kuunza humwe hutungamiri hwemushandi.
- Murimi akakurudzira iwe kuisa mari mu "mari" yaanoti yakanyanya kunaka kuti isapfuure.