Inishuwarenzi yehupenyu inosungirwa kana uine remba?

life insurance quotes

Mutengo wepakati pedzimba muUK waive £265.668 muna Chikumi 2021* - nemitengo yakakwira kudai, varidzi vedzimba vazhinji vachafanira kubhadhara imba yemba, saka zvinonzwisisika kuti vanhu vanoda kushandisa chero mari yasara nehungwaru . Nekudaro, kana uine vana, waunoshanda naye kana vamwe vanotarisira vanogara newe vanovimba newe nemari, kutora inishuwarenzi yehupenyu hwemondi kunogona kunzi imari yakakosha.

Zvakakosha kufunga nezveinishuwarenzi yehupenyu kana uchitenga imba semurume nemukadzi. Kana iwe uri kutenga imba yako nemumwe wako, mari yekubhadhara imba inogona kuverengerwa zvichibva pamihoro miviri. Kana iwe kana mumwe wako muchifa apo chikwereti chemba chichiripo, mumwe wenyu angakwanisa here kuchengetedza mari yembavha yenguva dzose ari oga?

Inishuwarenzi yehupenyu inogona kubatsira nekubhadhara mari kana ukafa panguva yepolicy yako, iyo inogona kushandiswa kubatsira kubhadhara yasara yechikwereti - izvi zvinowanzonzi 'mortgage life insurance', zvinoreva kuti vanogona. kuramba vachigara mumusha wemhuri yavo vasinganetseki nechikwereti chemba.

Nyika yese mortgage life insurance

Sign InSamantha Haffenden-AngearYakazvimirira Dziviriro Nyanzvi0127 378 939328/04/2019Kunyange zvazvo kazhinji zvine musoro kufunga kutora Life Inishuwarenzi kubhadhara chikwereti chako chemumba, kazhinji hazvidiwi.Zvakakosha kufunga nezvekuti vadikani vako vangaite sei nechikwereti chembandi. kana waizofa. Tichifunga nezve mutengo weinishuwarenzi yehupenyu, kana iwe uine waunoshanda naye kana mhuri, zvinowanzo fanira kufunga, zvisinei nekuti zvinomanikidzwa here kana kwete. Inishuwarenzi yakareruka yemortgage term inobhadhara mari yakawanda yakaenzana nechikwereti chemondi chasara, zvichibvumira vadikani vako kubhadhara mari yasara voramba vari mumba yemhuri yavo. Kana iwe uri kutenga imba wega uye usina mhuri yekudzivirira, saka Mortgage Hupenyu Inishuwarenzi inogona kunge isina kukosha zvakanyanya. Kana iwe uchida kuwana zano remutengo weHupenyu Inishuwarenzi, ingo pinza ruzivo rwako pazasi uye utore Mortgage Hupenyu Inishuwarenzi makotesheni pamhepo kubva kuUK's epamusoro gumi einishuwarenzi. Hezvino zvimwe zvikonzero nei zvine musoro kutaura nesu.

Inishuwarenzi yechikwereti chepamba kana ukafa

Kubhadhara inishuwarenzi yehupenyu hakungovharidzi mari yasara pachikwereti chako, zvichireva kuti inogona kubhadharwa zvizere, asi zvakare ichaita kuti pave nekukanganisa kudiki kumari yemhuri yako yezuva nezuva.

Zvirongwa zvichabhadhara mari yako yenguva yakabvumirana pawakatenga purogiramu kana kusvika wadzokera kubasa (chero chii chinouya pakutanga). Mari yasara yemortgage haisi kuzobhadharwa.

Sekureva kweMoney Advice Service, kuchengetwa kwevana kwenguva yakazara muUK pari zvino kunodhura £242 pasvondo, saka kurasikirwa kwemubereki mumwe kunogona kureva kudiwa kwekuwedzera kuchengetwa kwevana ukuwo mubereki Anopona achiwedzera maawa avo kuti vatsigire mari yakarasika.

Kana iwe uchishuvira kusiira vadikani vako nhaka kana chipo chemari panguva yekufa kwako, huwandu hwechipo huchakwana kupa vadikani vako chiitiko ichi chekusazvipira.

Kubhadhara kubva kuinishuwarenzi yehupenyu huripo uye kudyara kunogona kushandiswawo sekudzivirira kwemari kune vaunoda kana waenda.

Iwe unoda inishuwarenzi yehupenyu kune remba muIreland?

Tenga inshuwarisi yehupenyu yenguva yehuwandu hwemari yako yemba. Saka kana iwe ukafa panguva ye "temu" mutemo uri kushanda, vadikani vako vanogamuchira kukosha kweiyo pholisi. Vanogona kushandisa mari yacho kubhadhara chikwereti. Mihoro inowanzova isina mutero.

Muchokwadi, mari yako yepolicy inogona kushandiswa kune chero chinangwa chinosarudzwa nevanowana. Kana chikwereti chavo chemba chiine mubereko wakaderera, vangada kubhadhara chikwereti chekadhi rechikwereti chine mubereko mukuru uye kuchengeta chimbadzo chine mhindu yakaderera. Kana kuti vangada kubhadhara mari yokuchengeta nokuchengeta imba yacho. Chero zvavanosarudza, mari iyoyo ichavashandira zvakanaka.

Asi neinishuwarenzi yehupenyu hwemongi, mukweretesi wako ndiye anobatsirwa nepolitisi pane vanobatsirwa vaunosarudza. Kana ukafa, mukweretesi wako anogashira chikamu chemari yako. Chikwereti chako chinenge chaenda, asi vanopona kana vadikani vako havazooni chero chawawana.

Uye zvakare, yakajairwa inishuwarenzi yehupenyu inopa flat bhenefiti uye flat premium pamusoro pehupenyu hwepolicy. Neinishuwarenzi yehupenyu hwemondi, maprimiyamu anogona kuramba akafanana, asi kukosha kwepolicy kunoderera nekufamba kwenguva sezvo mari yako yembavha inoderera.