Tinofanira kugara inishuwarenzi muEurope: wongororo

Ose mabasa inishuwarenzi kwenguva yakareba uye kuva chikamu hwedu. Gore negore, isu kudzivirira policies dzavo utano, iva nechokwadi kuti inishuwarenzi motokari, uye dzimwe nguva akawana uye yokuwedzera zvirongwa. Endowment inishuwarenzi - mumwe mabasa mashoma, iyo ruzhinji vokuRussia vasina pfungwa. Paaiva nyika dzokuEurope, dzakadai mutemo - zviri hakuzivani uye kunyange kusvika zvakakodzera. Nokuti nguva refu tsika vanhu vaishandisa mari nenzira iyi. The zvakawanda kuti mutemo wacho CNM inochengetedza chinokosha chinhu murume ane - hwake uye utano.

Kunyange zvazvo upenyu hwevanhu haritengeswi uye hazvirevi kuti mutengo wayo haasi zvakakodzera. About nzira iyi mafungiro ane mumwe muna matatu vokuEurope. Ndicho ichi tinofanira kugara upenyu inishuwarenzi mu Europe yave kutanga kwemakore akawanda.

Chii?

Gwaro Iri zvishoma yakaita dhipoziti. CNM --refu mari uye kwavakazoita kuwanda uye mari nokuda pachisara mari.

Pedzisai sungano yakadaro kunogona kubva 3 kusvika 35-40 makore. Inogona kuonekwa sechinhu mhando piggy Bank, iro mberi kunokudzivirira kubva mari iri chiitiko rufu, kurwara, kukuvara, kuremara, uye zvimwe zvinobvira njodzi. Kana zvikaitika kuti pane zviri pamusoro apa, kambani kuzvitenga kwauri zvizere mari. Kana zvose zvikafamba zvakanaka - mari kuramba kuunganidza.

Monthly mari nokuti inishuwarenzi Endowment muzvikamu zviviri:

• kubhadhara fungidzira njodzi;
• paumbwe imwe piggy kubhengi.

Mari inogona paakapiwa akasiyana zvemari yokutevedzera kuti vawane webetsero mari. Mushure afa izwi iri chibvumirano, kuti nemhosva anogona vakazvimiririra kusarudza kana anoda kuwana zvose vaunganidza uwandu pane imwe nguva kana vanosarudza dzakafanana kubhadhara muchimiro kuwedzera kuti mudyandigere.

Kana isu kutaura pamusoro mitemo Russian, zvinganzi nharo kuti mari yakadaro havasi taxable. Uyewo, haagoni inounganidzwa vabatsirwe kumapati rechitatu, kunyange kudare. Kureva, kusandura mari anogona chete mutengi pachake uye hapana mumwe munhu. Inishuwarenzi (tinofanira kugara) mu Europe ine anongoda chete zvinobatsira.

Musiyano uri pakati upenyu inishuwarenzi uye okuchengetera?

Under ngozi mutemo rinoreva mufananidzo chibvumirano apo Verengai insured iri akaripa 1 nguva. Panyaya iyi, chibvumirano prescribes munhu kumbonyanya wemuno kuti ngaitorwe mutengi pamusoro panowanikwa insured chiitiko. Zvisinei, kana pamberi kuguma chibvumirano haana kuitika kwauri, iwe kuti mari anoramba pamwe insurer.

Mune imwe nzira, ndiwo mamiriro ezvinhu apo tinofanira kugara inishuwarenzi. MuEurope, imi akatenga mutemo kana muMoscow, tsika ine. Ipapo mari kubhadhara pamwedzi. Kana uine mari yakasara, tinogona kuita zvakanaka mari nokuda kwegore.

Aunganidza munhoroondo yako zvinoreva kambani nguva dzose invests uye anoedza vawedzere. Kuti ichi ndicho insurer mari. The mari iri redistributed kupinda nezvemarudzi maviri mari:

• Avimbiswa. Mari pano rakanyatsojeka duku, unogona dzinosiyana 3 kusvika 5%.
• Hako. chikamu ichi achavaponesa sei kubudirira kambani akagona kushandisa mari yako. Izvi zvinogona kunge 2% kana 15%.

Kana chiitiko insured ichiri zvaitika, mutengi pakarepo anogamuchira zvakakwana, nezvaro racho. Hazvina basa kuti mari yakawanda aigona kuita.

Somuenzaniso, imi mapinda chibvumirano of CNM kwemakore 10 uye anofanira kupa gore negore kusvikira 5000 US madhora. Asi pashure pemakore maviri, une tsaona, kuva vakaremara uye vakarasikirwa kugona kwavo kushanda. Pasi chibvumirano, muchawana zvose $ 50,000, pasinei nokuti chete akakwanisa kuti 10 000 $. Kana kwemakore gumi nemi chinhu chakaipa chakaitika, kambani ndichadzokera kwamuri mose, uye kunyange 50 zviuru ndicharipira kufarira pamusoro, kana chibvumirano saka anopa. Ndokusaka inishuwarenzi - tinofanira kugara. MuEurope, akadaro chezvawanyora chimwe muzvitatu. Ngationei kuti nei.

nhoroondo mashoko

policies inishuwarenzi rokutanga vaiva muGirisi yekare. Asi muEurope, Chiitiko rava nevakawanda chete pakutanga pamusoro XVIII remakore. Life Insurance akava baba Dzheyms Dodson. Iye pachake akafamba ose makuva muLondon uye rewrote misi youpenyu norufu zvose makuva makei. Saka vakaverenga anofungidzirwa yokurarama avhareji Londoner uye kukosha kwacho kwakatarwa nomunhu angava upenyu yacho shoma inishuwarenzi. Asi makore chete pashure 77 of inishuwarenzi (tinofanira kugara) mu Europe yakanga zvakawanda kana zvishoma akakura. Sezvo makambani inishuwarenzi mabasa akafanana, yava zvakawanda. Uye vamwe vavo basa nhasi.

Current Affairs

About 70% vachibhadhara zvose ikozvino chikonzero UK, Germany, Italy, uye France. Makambani Most mu chidimbu ichi chine mukurumbira uye ruzivo rukuru. Izvi zvinoita akakurumbira saka accumulative upenyu inishuwarenzi.

Inishuwarenzi Makambani akafukidza mabasa avo anongoda yose kwevanhu. Muna vasere kubva gumi mhuri, zvose nhengo, kusanganisira vacheche, muri mitemo. Vamwe vokuEurope vane vakawanda inishuwarenzi mitemo yakasiyana mamiriro ezvinhu kuwanda. Paavhareji, vokuEurope vanopedza pamusoro zvirongwa inishuwarenzi kusvika kota yavanotambira. Pano, yakafanana chishandiso - mukana kuunganidza mamwe mari kudzidza mwana uye kuwedzera mudyandigere wavo. Naizvozvo anofara vanasekuru, kufamba munyika uye nesimba mukakachurwa makamera, hapana anoshamiswa. Vanogona kuchitenga.

mitemo European rinobvumira vatengi mari bedzi munhoroondo nemabhengi kupfuura kana mumigove makambani zvisingabatsiri. SK basa mberi nebumbiro reinsurance Makambani dzakawanda. Izvi zvinoreva kuti mari nemakasitoma 'chero zvazvingava, havasi kuenda kupi. With ichi Hazvizivikanwi rakavimbika inishuwarenzi yakadaro kwakafanana zvinobatsira chaizvo dhipoziti.

The chete musika of European kuchengeteka

Sezvo zvichida iwe akaziva, andipa chipo inishuwarenzi mu Europe - kwazvo mhosva. Kunyange pakati XX remakore, nyika dzakawanda dzokuEurope makatanga kuumba chete musika inishuwarenzi. The Central Organ rinonzi European Insurance Committee uye hofisi waro chikuru riri mu kweBrussels. Zvinangwa zvakadaro chiitiko rakanyatsojeka zvakakomba:

• kutanga zvakafanana nemitemo basa ose nemasangano mubasa inishuwarenzi;
• kushandisa kuzviomesera kudzora kuchengetwa zvibvumirano kwakashanda.

Zvinodiwa Kuti chero sangano

Masangano kupa rubatsiro inishuwarenzi anofanira mitemo iyi:

• hazvitenderwi kuti zvimwe kuita kuzombotaurazve basa, mukuwedzera pakupa rubatsiro inishuwarenzi;
• pamusoro mamaneja uye varidzi makambani vanosungirwa kutora basa zvizere nokuda fanira mutengi Nokurasikirwa, hatina mhosva zvinyorwa, uye kutsvenesa tsamba mutemo;
• Company anofanira kuva vimbiso mari, izvo zvinogona kupa zvakafanira zvose kubhadhara iri.

To musi, chero IC kuti ane rezinesi kugovera mabasa inishuwarenzi chero EU nyika, unogona kupa minamato zvakafanana dzimwe nyika, nhengo mubatanidzwa.

Popular makambani

A mazita emakambani zvikuru nevanhu European munyaya Endowment inishuwarenzi (revocation zvavo kupfuura zvakanaka), sokunge ichi:

• Munich Re - Germany;
• AXA - France;
• Powszechny Zakład Ubezpieczeń (PZU) - Poland;
• Assicurazioni generali - Italy;
• Vienna Insurance Group - Austria;
• GRAWE - Austria;
• Allianz - Germany;
• Legal & General Group - UK.

Makambani aya kupa zvakasiyana-siyana zvirongwa zvakasiyana kuti vakuru nevana zvakafanana. Achishandisa imwe wavo, unogona kuponesa nyore mari iri asakwanisa kuita kana kuti chero chiitiko (kudzidzisa, muchato).

Pakati pezana remakore rapfuura muEurope vakatanga vawane tichimhanya anonzi inivhesitimendi inishuwarenzi. Its vakawanda musiyano unokosha kubva kuchengetera tine vanorondedzerwa ndechokuti panguva yose nguva chesungano yacho yeGmail.END_STRONG anogona vakazvimirira kurasa mari. Zvinokwanisika kusarudza sei uye kupi mari uye apo kwete. Asi pane akaipa pfungwa: mutoro chisarudzo anewo muridzi mutemo.

mhedziso

Kunenge kuti pamusoro nguva muitiro mari inishuwarenzi muRussia vachava nevakawanda sezvo muEurope. Uye vagari Russian kunzwisisa chaiyo rokuti "kukosha kwoupenyu" munguva yemberi iri pedyo.