xhosa.2237.metropolitan
BONA - August 2005
YONWABA, ungakhathazeki kuba xa unolwazi ingakusebela i-inshorensi. Umzekelo, xa uhlawula i-inshorensi yemoto okanye eyomzi uhlawula imali encinane kakhulu kunobuya kuyihlawula xa ulungisa imoto yakho evelelwe yingozi okanye ukwakha umzi wakho otshileyo. Nokuba ne-inshorensi yobomi kubalulekile ukukhusela usapho lwakho kwixesha elizayo.
Kaloku ukuba ne-inshorensi yindlela yokwabelana ngeendleko ekunokwenzeka ujongane nazo namanye amakhulu amawaka abantu enikwinkampani enye nabo ye-inshorensi. Imali encinane oyihlawulayo ijongana nelahleko yabantu bonke abane-inshorensi, iphinde iqinisekise ukuba inkampani ye-inshoreni iyaqhubeka nokushishina kwezi meko:
n Imali oyihlawula ngenyanga ibalwe kakuhle yaye iyahlawulwa zonke iinyanga.
n Bonke abantu abane-inshorensi abavelelwa yintlekele ngexesha elinye.
Ungayithabatha nepholisi ye-inshorensi yobomi eya kunika usapho lwakho isixa-mali xa usweleka. Loo mali bangayityala xa bethanda. Xa beyityala bacetyiswa ukuba bathethe nomcebisi wezimali oya kuqinisekisa ukuba bayityala ngokweemfuno zabo.
Xa ukhetha ipolisi yobomi ehambisana notyalo-mali uya kufumana ukuba kukho umqathango wokuba kufuneka uyityale iminyaka emihlanu ebuncinaneni imali yakho. Oko kwenzelwa ukuqinisekisa ukuba imali yakho ikhula de ibenebhonasi yotyalo-mali, ifikelele kwinqanaba lokuvuthwa kwayo ukanti nenkampani ye-inshorensi ikwazi ukuxhuzula iindleko zayo zokusingatha olo tyalo-mali.
Kucacile ke ukuba okukhona uyityala ixesha elide imali yakho, kokukhona ungalindela ukufumana imali ethe kratya yakuvuthwa. Kaloku oko kubangelwa kukuba imali iba nexesha elide lokukhula - nto leyo iyenza ikwazi nokumelana namahla ndinyuka otyalo-mali.
Imali eyenziwa yipholisi yakho kuthiwa yimbuyiselo yotyalo-mali. Le mbuyiselo ke ibalwa ngokwephesenti kwaye ingaphezulu okanye ibephantsi.
Khumbula ukuba ezo phesenti ziyingqokelela yotyalo-mali lulonke kwaye ziquka neendleko zolawulo . Ngoko uya kufumana okungaphantsi kancinane kunokuba uthenjisiwe zakukhutshwa ezo ndleko.
Xa uneminye imibuzo, buza umcebisi wakho wemali okanye uqhagamshelane neMetropolitan Life Contact Centre (0860-724-724). [x]
inqaku lentengiso
Khuseleka
kwizandla ezinothando
I-inshorensi ingajo-ngana neengxaki zakho zemali ube wena uqhubeka nokonwa- bela ubomi
BONA XHOSA - May 2007
Khetha utyalo-mali oluvumelana nawe
I-Endowment: Kuyo wong' imali iminyaka emiselweyo ephakathi kwemihlanu nengama-30. Uhlawula izavenge ngenyanga ezitsalwa ebhankini yakho. Ungalusebenzisa olu tyalo-mali ukongela imali into ethile, umzekelo imfundo yabantwana bakho.
Ii-Unit trust: Uthenga izabelo kwiingxowa-mali ezikhona emalikeni. Ezi ngxowa-mali ongatyala kuzo imali ziyashiyana, ngoko cela amacebiso.
IRetirement annuity: Olu utyalo-mali lukunceda ulungiselele ixesha lomhlala-phantsi. Uyifumana imali kule pholisi xa sele uthabathe umhlala-phantsi, inxalenye yayo ihlawulwa isisixa-mali (esingagqithiyo kwisinye esithathwini okanye ngaphantsi xa uthanda) ize eseleyo (esisibini esithathwini) ihlawulwe rhoqo ngenyanga.
I-Annuity: Endaweni yokonga ngeRetirement annuity unokufumana isixa-mali - ngokomzekelo kwimali yomhlala-phantsi, okanye eyobungxwelerha ofuna ukuyikhusela. Ukwenza oko ungathabatha utyalo-mali ekuthiwa yiAnnuity uze uhlawule isixa-mali kwinkampani ye-inshorensi enjengoMetropolitan Life ize ke yona ikuhlawule ngenyanga ithuba leminyaka ethile okanye ubomi bakho bonke, kuxhomekeka kwinto oyikhethileyo.
Umahluko kwiRetirement annuitiy uhlawula izavenge ngenyanga ulungiselela umhlaphantsi. KwiAnnuity uhlawula isixa-mali kwinkampani ye-inshorensi ize yona ikuhlawule rhoqo ngenyanga ithuba elithile okanye ubomi bakho bonke.
