Abantu benshi ntibasobanukiwe ubwishingizi bw’ubuzima (life Insurance). Ubwishingizi ni kimwe mu bintu bikenewe mu buzima bwa none n’ejo hazaza, bufite inyungu nziza ariko abantu benshi badasobanukiwe.
Inyungu ya mbere kandi nziza igaragara ni mugihe umuntu ufite ubu bwishingizi apfuye asize umuryango. Muri uyu mwanya, ubu bwishingizi bwe butanga amafaranga k’umuryango wasizwe atari munsi y’i $100,000 ku $300,000 bikurikiranye na gahunda uyu muntu wapfuye yari yarafashe. Zimwe mu mbogamizi abantu benshi batazi kandi badasobanukiwe ni ukuntu umuntu apfa adasize by’ibuze n’amafaranga yo kumuhamba; Muri uyu mwanya umuryango we, usigara m’ubukene reka ndetse ugasanga habaye ho no kubura imfashanyo yo guhamba wa muntu wapfuye.
Waba wifuza kuronka ubwishingizi bw’ubuzima, David Ruhara ni umwe mu bantu bafite ubumenyi mu bintu bijanye n’ubwishingizi bw’ubuzima kandi amaze kubaka izina mu ishirahamwe American Income Life; David Ruhara kandi akaba ari umwe mu bantu baserukira iri shirahamwe (représentant) akorana na communauté y’abantu baturutse mukarere k’ibiyaga bigari aho abahugura ndetse anabafasha no kwinjira mu bw’ishingizi.
Waba ushaka kuronka ubwishingizi ku ibeyi rike, hamagara kuri iyi numero:
Uwishingizi bw’ubuzima
Si kuri wowe. Ubwishingizi bw’ubuzima ni ubwo ufata ushinganisha abawe ukunda kugirango ubarinde guhungabana igihe ubufasha bwawe buzaba butagihari. Ubwishingizi bw’ubuzima nicyo cyonyine kibasha kunganira abo ukunda mu bihe by’ingorane z’imibereho.
Ubwishingizi bw’ubuzima ni iki?
Ubwihsingi bw’ubuzima bukenewe ku kibazo kivuga ngo “Niba” mu buzima. Ndamutse mpfuye bitunguranye? Umuryango wanjye wakomeza kuguma mu nzu yacu? Abana banjye bazabona ubushobozi bwo kujya mu mashuri makuru? Umuryango wanjye uzabona ubushobozi bwo kwishyura ishyingurwa ryanjye n’ibigendanye nabyo? Ubwishingizi bw’ubuzima burahari ngo butabare abahuye n’icyo kibazo kivuga ngo “niba”
Ubwishingizi bw’ubuzima bwa burundu n’ubwishingizi bw’ubuzima ku gihe runaka.
Hari ubwoko bubiri bw’ubwishingizi bw’ubuzima. Ubwishingizi bw’ubuzima bwa burundu n’ubwishingizi bw’ubuzima ku gihe runaka. Uko ubuzima bwawe buhagaze – imyaka yawe, ibyo winjiza, n’ibindi- nibyo bigenderwaho mu kumenya ubwoko bw’ubwishingizi bw’ubuzima ukeneye. Ariko kimwe cyo ni ingenzi: amafaranga yo gushyingurwa hamwe n’ibigendanye no gushyingurwa azakenerwa.
Niba abawe bazahungabanywa n’uko ubufasha bwawe bupfanye nawe, fata ubwishingizi bw’ubuzima bwose wongereho ubwishingizi bw’ubuzima ku gihe runaka. Ubwishingizi bw’ubuzima mu gihe runaka bubasha gutabara igihe upfuye wari mu gihe cyiza cyo kwinjiza umusaruro no mu myaka myiza yo kongera imitungo.
Ubwishingizi bw’ubuzima bwa burundu:
- Bwishingira ubuzima bwose
- ikiguzi cyabwo nticyiyongera igihe cyose ugifite amasezerano yabwo
- Bubyara inyungu kandi wabufatiraho inguzanyo
Ubwishingizi bw’ubuzima ku gihe runaka:
- Bwishingira igihe runaka ntarengwa
- Nyuma y’icyo gihe ntarengwa, iyo ushatse gukomeza, akenshi wishyura ikiguzi cyisumbuyeho kucyo watangaga mbere
- Bugura make ugereranije n’ikiguzi cy’ubwishingizi bw’ubuzima bwa burundu.
