Insurance ka uku nui loa - ia mea oiaio

Ma nā makahiki, increasingly lohe mai ka TV pale a me nā kumu o ka 'ike e pili ana i lapaʻau. Me ka pili ana i ka muli o hapa - kēia mea hiki (ka mea, aohe koho: e i ke kulekele paha aʻole 'oe i). Akā, i ka mohai hapa o ka hiki pale aku ia lakou koi nui lehulehu kaʻike i loko o kēia wahi. E ka kamailio e pili ana i ke ola lapaʻau. Kona nui, a me ka nele i kela a me keia.

moʻolelo

E hoomaka ana ke ola lapaʻau ai hoʻoili i loko o 'Enelani i ka XVIII kenekulia. Ua i loko o ka mea e hiki mai ana ke kenekulia, Ua laweia mai keia manao i Hawaii, France, United States, tsarist Rusia. Ke kumu nui nā loina o ka hana e hoʻohana 'ia i loko o ka o kēia au nei. 90% o nā kanaka ma Europa a me Amerika i keia la uhiia e ola lapaʻau. Ma Rusia, keia huahelu ka loa haʻahaʻa.

rula o ka hana

Insurance rula iho ka poe noonoo ole a me ka straightforward. A kanaka uku i ka uku nui (ia mea he kekahi dala o ke kālā i ka uku ana i ka lapaʻau anaina ma ka mea i loaa ka lapaʻau hana). An hoʻopaʻa waiwai hanana i hoakaka ia ma ka aelike - ka Client a me kona mau hope (i loko o ka hihia o ka make ana o ka hoʻopaʻa waiwai kanaka) ua loaa i kekahi dala. Like no ke ola lapaʻau, alaila, he mea no hoi i ka lapaʻau, a me ka hoola i ke kala. Mai ka lapaʻau ka uku nui loa (lapaʻau uku) - he koi pohō a waiwai kūʻai i kekahi kanaka no ka waiwai. Nā mea kūʻai mai i ke kālā i ka poʻe ke kālele 'ana i loko o nā kālā mea hana (Real Estate, securities, kae hoʻokomo kālā, etc.). I ka pau ana o ka aelike ua hoi mai i ke kanaka, i ka huina o ka lapaʻau nā haʻawina hua hoʻohui waiwai kūʻai makahiki. I Ina o ka make ana o ka hoʻopaʻa waiwai ma mua o ka pauʻana o ke kulekele kālā i loko o ka nui o ka hooholo puu hoʻopaʻa waiwai ua uku i ka mea maʻi (IeAUPIIe, IAa IO ohana lala he).

hiʻona

Ma Rusia, ma ka naau mai lapaʻau, i ka mau, he kanaka ka hāhai mai i ka 2% o ka loaʻa kālā. 'Oiai, ma ka hapanui o nā'āina o' Eulopa na makaainana, e lawe 1/3 o ka malama makahiki. Ke kumu nui no ke unpopularity, e like me insurers, ka naaupo o kanaka e pili ana i keia huahana a me kona intricacies. E like me ka hopena - ka makau i ke kala e e haawiia no 10 makahiki a oi i kanaka, he nui ma luna ma mua o ka mea makemake, e hoomalu aku ia lakou iho a me kā lākou mau mea aloha, oiai ka hoʻolako 'poʻo iho. Akā, layfovogo lapaʻau market ua ulu hikiwawe loa. E like me ka Hui o ke ola lapaʻau, ka uku nui loa i ka 2013, a mahuahua nui ma 40,6% hoʻohālikelike me 2012. O kēia mau mea, he puu dala i ohi ia no ke ola lapaʻau o ka makaainana i mahuahua e 59,9%. Over na makahiki eha hope, ua lilo eono manawa hou aku i ke kuai nui.

Koi i loko o nā papahana o ka Lūkini keiki ka. Ma keia hihia, no ka lapaʻau ka uku nui loa - i ka wā e hiki mai ana o ke keiki, a no ka mea Lūkini mea mau i ka ninau helu 1.

nui

He aha haawi i ke ola lapaʻau polokalamu mea he kanaka?
• kālā hoomalu ma ka hihia o ka make, kīnā o ke kino, a me nā maʻi likeʻole.
• ka manawa kūpono o ka makauliʻi i emi ka waiwai o ke kālā.
• e hoomakaukau ai o ka waiwai kūʻai makahiki.
• e pili ana kapikala no ka wā e hiki mai no oe ia oe iho me ka pono o ka'āina hoʻoili mea maʻi.
• e pili ana kapikala no kā lākou mau keiki.

ka hoʻopalekana 'ana

No ka mea, i loko o ke ao nei o ka 200 makahiki i hala, i layfovaya lapaʻau poe mea ole bankrupt. Kēia Ua kōkua ai i nā ma ka maopopo mana o ko lākou mau hana ma o ka moku'āina, a me ka nenoaiu o reinsurance.

kūpono

I mea e mau loa ana i ke kālā, e pono e e hiki e hoolilo aku no ia pono. ʻO kekahi mea uuku liʻiliʻi iā hiki ke hoopanee aku i ka 10%. E ka lapaʻau uku - a 'o ia hoʻi, e uku ia lakou iho mua, a laila, i ke koena o ka i ho'ākāka' ia e pōmaikaʻi ai. Cash hookoe e kōkua ma ka loa noho pilikia wahi, i hiki.