Naomi Bishop

Milandu 10 yodabwitsa kwambiri yachinyengo cha inshuwaransi ya moyo

Ngakhale kuti inshuwalansi ya moyo ingakhale yopindulitsa kwambiri kwa achibale omwe ali ndi chisoni, anthu ambiri ayesa kupezerapo mwayi pa ndondomeko zawo pogwiritsa ntchito njira zachinyengo, ndipo nthawi zambiri zimakhala ndi zotsatira zoopsa kwambiri. Ndi milandu ingati yachinyengo ya inshuwaransi ya moyo yomwe idayesedwa pakapita nthawi, mwina sitingadziwe. Koma pali zochitika zambiri pamene njira zoterezi zalakwika kwambiri. Onani zitsanzo zodabwitsa izi zachinyengo za inshuwaransi ya moyo, zomwe palibe zomwe zidapita monga momwe zidakonzera.

Milandu 10 yachinyengo kwambiri ya inshuwaransi ya moyo

1. Inshuwaransi ya moyo yayaka moto

Zithunzi za Molly ndi Clayton Daniels

Molly ndi Clayton Daniels anali banja lodzichepetsa la Texan asanapange chiwembu chopezera inshuwaransi ya moyo ya Clayton ya $110,000. Koma bwanji kudutsa vuto lonse la imfa pamene mutha kugwiritsa ntchito malo oima m’malo mwake? Zoonadi, sipanatenge nthawi mpaka Molly anauza kampani ya inshuwalansi kuti moyo wa Clayton waphedwa pa ngozi yamoto.

Zinthu zinkaoneka kuti zikuyenda bwino mpaka akuluakulu a boma anapeza kuti “thupi” la Clayton linali la mayi wina wazaka 81 amene banjali linakafukula kumanda apafupi. Mwamwayi, sizinali zovuta kutsimikizira imfa ya Clayton, monga Molly posachedwapa adauza mwana wake wamwamuna wazaka 4 kwa “bwenzi” lake latsopano, yemwe ankawoneka mokayikira mofanana ndi Clayton ndi tsitsi lake lakuda lopaka utoto.

2. “Iron” Mike Malloy: Munthu Amene Sadzafa

Chimodzi mwazochitika zachilendo zachinyengo cha inshuwalansi ya moyo chinayambira mu 1932 pamene mwiniwake wa kulankhula Tony Marino anapanga ndondomeko yokhudzana ndi kuledzera wakale wotchedwa Michael Malloy. Atolankhani omwe amawatcha kuti “bokosi lakupha”, omwe adapanga chiwembu adapeza ma insurance atatu osiyanasiyana m’Malawi, omwe adakonza zopezerapo mwayi atathamangitsa imfa yake mwadzidzidzi.

Koma zidapezeka kuti Mike adapangidwa ndi zida zolimba kuposa momwe amaganizira. M’miyezi ingapo yotsatira, achiwembuwo anayesa kupha Malloy poizoni kambirimbiri, kum’zizira mpaka kufa, ndipo ngakhale kumuthamangitsa ndi galimoto, koma sizinaphule kanthu. Zinatenga miyezi isanu ndi iwiri yathunthu kuti azibambowa alowe mmoyo wa Mike, koma dongosolo lawo lidawululidwa posachedwa. Zinamaliza kupereka mphotho kwa onse chifukwa cha khama lawo ndi ulendo wopita ku mpando wamagetsi wa Sing Sing.

3. Wopenga Kabichi Truck Kukulitsa

Zithunzi za Anthony McKerlin

Mu 2009, mwamuna wina wa ku Britain dzina lake Anthony Mackerlin anaganiza zopanga ndalama zake £520,000 ya inshuwaransi ya moyo. Iye anayamba kupanga nkhani yolusa imene anaphedwa mwatsoka ndi lole yokhala ndi kabichi pamene anali kupita kunja ku Honduras.

Kenako ananamizira mkazi wake kuti alipire mlanduwo, koma n’kungoyang’ana dongosolo lake likuvumbulidwa pamene zolemba zake zaumwini zinapezeka pa chiphaso chake cha imfa. Oops!

4. Kuopsa koyendetsa galimoto wakufa

Zithunzi za Raymond Roth

Milandu yambiri yachinyengo ya inshuwaransi ya moyo imadalira mnzake, zomwe zidachitika ndi Jonathan Roth wazaka 22. Mu July wa 2012, adayitana 911 kuti afotokoze kuti abambo ake, Raymond Roth, adasowa m’madzi a Jones Beach ku Long Island pamene akusambira.

Pambuyo pa ntchito yayikulu yopulumutsa anthu mumlengalenga ndi m’madzi zomwe sizinawonetse chilichonse chokhudza Ruth wamkulu, akumuganizira kuti wamwalira, ndikusiya mwana wake wamwamuna kuti agwiritse ntchito inshuwaransi yake ya moyo $410,000. Tsoka ilo, mapulani anzeru a Raymond adalephera pomwe adaimitsidwa mwachangu, ndipo akadali ndi moyo.

5. Wakufa akuyenda

Zithunzi za Harry Gordon kesi

Palibe zitsanzo zopenga zachinyengo za inshuwaransi ya moyo zomwe zingakwaniritsidwe popanda kutchula miliyoneya waku Australia dzina lake Harry Gordon. Mu 2000, Gordon adadzinyenga yekha, ndikusiya umboni wa imfa yake panjira ya boti lopanda kanthu lodzaza mabotolo a champagne. Mkazi wake atapereka ndalama za inshuwaransi, Gordon adagwiritsa ntchito ndalamazo kukayambitsa moyo wina kunja. Pambuyo pake, anakumana ndi mkazi wina, ndipo anamutsimikizira kuti anali m’gulu lachitetezo cha mboni ndipo anamupanga kukhala mkazi wake wachiŵiri.

Ali ku New Zealand, Gordon mwangozi adakumana ndi mchimwene wake, yemwe adaganiza kuti amwalira kwa nthawi yayitali. Zinthu zinafika poipa kwambiri pamene m’baleyo anauza mkazi wake wakale za yatsopanoyo. Akuluakulu a boma pomalizira pake anavumbula chiwembucho ndipo anamanga Gordon, amene anapitiriza kulemba bukulo ndi mutu wake woyenerera Momwe ndinanamizira imfa yanga ndipo sindinayipulumuke.

Momwe Ndidapangira Imfa Yanga Ndipo Sindinayiyike: Nkhani Yodabwitsa ya Wabizinesi Wopanikizika Kwambiri, Bodza la Imfa Yake, ndi Mndandanda Wodabwitsa wa Zochitika Zomwe Zinachitika.

6. Tsiku la Imfa Ngozi

Lingaliro la maliro ndi maliro - maluwa ofiira ofiira pabokosi lamatabwa mu tchalitchi

Raul Perot anazindikira zonse. Zingakhale zovuta bwanji kunamizira imfa yake ndikunamizira kuti ndi mlamu wake kuti atole ndalama zokwana madola 2 miliyoni za inshuwaransi? Zinthu zidayenda pang’onopang’ono, pomwe zidadziwika kuti Beru adayimba foni kuti apeze mwayi pa zomwe adanena tsiku lomwe adalemba pa satifiketi ya imfa yake.

Atazindikira kuti manda ake muli bokosi lopanda kanthu, akuluakulu a boma adatha kufufuza dziko la Peru, lomwe linapempha pasipoti yabodza m’dzina la mwana wazaka 18 yemwe anamwalira mu 1968.

7. Pitani kwa dokotala mukamwalira

Zithunzi za Ahmed Akhtar

Ahmed Akhtar ndi mkazi wake Ann adaganiza zogwiritsa ntchito inshuwaransi ya moyo wa $ 550,000 pang’ono kumayambiriro kwa 2008. Mwamwayi, malo awo a malo sanali m’gulu lazokonzedwa bwino m’mabuku a mbiri ya chinyengo cha inshuwalansi ya moyo. Anne anasumira mlandu wa imfa ya mwamuna wake ku Afghanistan, pamene anapitiriza kukhala ndi kugwira ntchito ku Gloucester.

Dongosolo la banjali lidasokonekera pamene Ahmed adabwera kudzamuyesa wamba, koma adakumana ndi mafunso okhudza chifukwa chomwe mapulani ake adawonetsa kuti adamwalira miyezi isanu ndi umodzi yapitayo.

8. Senator Wozembera Anagwidwa Akugulitsa Zida Zothawira Pambuyo pa “Die”

Zithunzi za Senator David Friedland

Senator David Friedland sanali woyimilira wodziwika bwino ku New Jersey. Atazemba milandu yambiri m’boma koyambirira kwa zaka za m’ma 1980, Friedland adapezekanso ali pa radar ya aboma. Iyi inali nthawi yomwe adaganiza zopita ku scuba diving ku Bahamas, ndikungosowa ndipo akuti “amira”.

M’pomveka kuti akuluakulu a boma sanakhulupirire zimenezi. Pambuyo pazaka zozembera kugwidwa, Friedland adamangidwa pambuyo poti sitolo yomwe adayambitsa ku Maldives idagunda.

9. Kunalephera kunyenga zakuthambo amphaka

Zithunzi za Yevgeny M.  Samsonov

Zikafika pamilandu yodabwitsa yachinyengo cha inshuwaransi ya moyo, zikuwoneka kuti ngakhale amphaka alibe malire. Atapereka inshuwalansi ya kuvulala kwake pa ngozi ya galimoto mu 2009, bambo wina wa ku Washington dzina lake Yevgeny M. Samsonov akuti alipidwa chifukwa cha imfa ya mphaka wake yemwe sanalipo, Tom.

Samsonov anapempha ndalama zokwana madola 20,000 kuti atsekereze chisoni chake chifukwa cha imfa ya Tom, ndipo anatumizanso kampani ya inshuwalansi zithunzi ziwiri za amphaka ake ochedwa kwambiri. Tsoka ilo, kusaka mwachangu kwa Google kudawulula kuti zithunzi zonse zidachokera ku Wikipedia.

10. Mlandu Wodabwitsa wa “Boat Man”

zithunzi za john

Zina mwa zitsanzo zodziwika bwino zachinyengo cha inshuwaransi ya moyo m’mbiri yaposachedwa ndi nkhani ya John “Canoe Man” Darwin, yemwe nkhani yake idalimbikitsa zolemba zambiri pa ITV. Atatha kupha imfa yake pangozi ya bwato, Darwin akuyamba kudziwonetsera ngati wogwira ntchito zamanja dzina lake Carl pamene mkazi wake amapezerapo mwayi pa inshuwalansi ya moyo.

Pambuyo pake banjali linasamukira ku Panama, kumene Darwin ankakhala pansi pa mbiri yabodza, asanabwerere ku UK ku 2007. Zomwe ananena kuti wakhala akudwala amnesia kwa zaka zisanu ndi chimodzi, zomwe zinatha kutenga Darwin ndi anzake, zinachotsedwa mwamsanga. ndi akuluakulu. Mkazi ali m’ndende.

Izi zachilendo zachinyengo za inshuwaransi ya moyo ndizokwanira kusiya mafunso ambiri kwa aliyense. Werengani pamene tikulimbana ndi ena otchuka kwambiri!

Kodi chinyengo chachikulu cha inshuwaransi ya moyo ndi chiyani?

chigawenga chomangidwa ndi unyolo

Imodzi mwamilandu yayikulu kwambiri yachinyengo ya inshuwaransi ya moyo m’mbiri idawululidwa posachedwa pakati pa 2022. Khoti lalikulu lamilandu ku Chicago linadzudzula oimira 23 osiyanasiyana a chiwembu chachikulu cha inshuwaransi ya moyo chomwe chinapangitsa kuti osachepera $ 26 miliyoni awonongeke gulu. Kuchokera kumakampani khumi a inshuwaransi osiyanasiyana.

Kodi gawo lalikulu kwambiri lazachinyengo lomwe limadziwika ndi makampani a inshuwaransi ndi liti?

Malinga ndi Anti-Insurance Fraud Coalition, chinyengo cha inshuwaransi chimawononga anthu aku America mabiliyoni a madola chaka chilichonse. Ngakhale zitha kutenga mitundu yambiri, zitatu mwazofala kwambiri ndi izi:

Kusamutsa kwamtengo wapatali ndi ndondomeko yachinyengo ya inshuwaransi momwe wothandizira inshuwalansi amadzisungira ndalamazo m’malo mozipereka kwa mwiniwakeyo. Malinga ndi a FBI, iyi ndi njira yofala kwambiri yachinyengo ya inshuwaransi masiku ano.

Malinga ndi kafukufuku wa Verisk, chinyengo cha inshuwalansi ya galimoto chimayambitsa $ 29 biliyoni pakutayika chaka chilichonse.

Malingana ndi NHCAA, chinyengo chachipatala ndi vuto lalikulu ndipo likhoza kuwononga ndalama zokwana madola 300 biliyoni chaka chilichonse.

Kodi madandaulo a inshuwaransi onama amakhala ochuluka bwanji?

Pafupi ndi bizinesi yoyipa

Ngakhale kuti inshuwaransi yabodza si mliri, zimachitikadi. White Paper yochokera ku American Reinsurance Group ikuyerekeza kuti 1 mpaka 3% yazinthu zonse za inshuwaransi ya moyo zimafunikira kufufuza kwina kapena kukanidwa.

Kodi chinyengo cha inshuwaransi ya moyo chimazindikirika bwanji?

amatsatira zachinyengo zandalama umbanda mwamuna ndi mkazi kupanga ndalama pa mafoni kukambirana munthu kulankhula foni yam'manja kupempha ndalama

Monga momwe mwaphunzirira pamilandu yopenga ya chinyengo cha inshuwaransi ya moyo yomwe tafotokoza pamwambapa, kudzipangira nokha kufa ndizovuta kwambiri kuposa momwe zimamvekera. M’nthaŵi ya umisiri wamakono, kupeŵa kuzindikiridwa n’kovuta kwambiri kuposa mmene zigawenga zina zimaganizira. Pamapeto pake, ochita chinyengo ambiri amalakwitsa ndikuzindikira kuti akupitilizabe kukhalapo kudzera pazachuma mpaka zithunzi zapa TV.

Momwemonso, imfa zokayikitsa zimafufuzidwa bwino ndi akuluakulu, kotero kuyesa kupha munthu wina imfa yosakhala yachibadwa monga china chirichonse ndi ntchito yovuta kwambiri. Pomaliza, makampani a inshuwaransi tsopano ali ndi mwayi wopeza nkhokwe zapadziko lonse lapansi zomwe zimatha kuzindikira kusagwirizana.

Tsoka ilo, zikuwoneka kuti nthawi zonse padzakhala anthu omwe amasankha kuyesa chinyengo cha inshuwaransi ya moyo, pomwe nthawi zonse amadzifunsa zomwe zingachitike. Koma ndi inshuwaransi yamoyo yopusayi ikulephera kuwonekera, kudzipangira nokha imfa si njira yophweka yopezera ndalama.

zotsika mtengo za inshuwaransi ya moyo malinga ndi zaka

Nambala Yotsatsa: nYPPkK29v
Gulu ID: WMweqBQ

Mayankho omwe ali pansipa sanatumizidwe, kuvomerezedwa, kuwunikiridwa, kuvomerezedwa kapena kuvomerezedwa ndi bungwe lililonse lazachuma kapena otsatsa. Wotsatsa alibe udindo wowonetsetsa kuti zolemba zonse ndi/kapena mafunso ayankhidwa.

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