Kuba nokudideka emndenini walowo osuke edlule emhlabeni uma ekade enezikweletu abe ekade ezikhokhela, kakhulukazi indlu nemoto. Lokhu kudideka kuthatha elinye igxathi uma kutholakala ukuthi oshonile ubengenalo uhlelo lokucaza izimpahla noma ifa lakhe (will). Kubuye kube nenkinga uma izimpahla azishiyile ebezikade zisesikweletini zingahlelelwanga.
Lesisimo sibonakale ezinsolweni zokuthi umculi odumile u Riky Rick oshone ngo February kulonyaka, ubengenalo uhlelo lokucazwa kwezimpahla zakhe okubalwa kuzo izinkampani zakhe. Kulesisiqephu sanamuhla siphendula umbuzo wokuhlela izimpahla zesikweletu kanye nokubaluleka kokwenza I Will usaphila emhlabeni.
Okokuqala sibheka I Life Protector Cover: Uma uthenga impahla ebizayo ngesikweletu, njengendlu nemoto, kuba khona inketho yokuthatha I Life Protector. Lenqubomgomo (policy) ibhekelela ukukhokheleka kwesikweletu ngokugcwele uma umnini sikweletu edlula emhlabeni. Lokhu kujwayelekile ukuthi kwenzeke ngalesisikhathi ethatha isikweletu kodwa uyakwazi nokuyifaka lenqubomgomo ngisho isikweletu sesisidala kodwa uma usasikhokhela. Lenqubomgomo isiza umndeni wakho ukuthi ungasali nengcindezi yezikweletu zalowo obebhekelela ukukhokheleka kwezikweletu (kungaba indlu noma imoto). Kujwayelekile kuthi umuntu athi “angifuni izinto zami zidlale abantu ngingasekho, kuncono zidliwe”. Lombono uyaphazama ekuthandeni umndeni wakho noma lowo oseduze nawe obukade umnakekela. Lokhu kwenzeka lapho kuba khona izinkinga zokuqedelela isikweletu kanye nezinkinga zokukhishwa komndeni wakho endlini obuhlala nabo kuyo. Kubalulekile ukushiya umndeni wakho nesipho sokugcina sempilo nokuphila kahle. Amanani alenqubomgomo ayashiyana uma ubheka inani lempahla kanye nesimo sempilo somuntu oyithathayo. Kungakuthusa ukuthi incane kangakanani imali ongayengeza kumaprimiyamu owakhokha ngenyanga. Kubalulekile ukuthi uthintano nebhange noma nomshwalense wakho bakwenzela I quotation bakuchazele nangemigomo nemibandela.
Okwesibili sibheka ukubaluleka kokwenza uhlelo lokucazwa kwempahla (Will): Uma ubheka ongoti kwezezimali, bayaqinisekisa ukuthi ukuhlela ukucazwa kwempahla yakho kuyasiza umndeni wakho ezinkingeni zombango. Lombango uqala ekutheni wonke umuntu ufuna ingxenye yefa kodwa wena mnini wezimpahla, uma ungazange ubeke ukuthi ubani utholani, kugcina sekubanga enkulu ingxabano emndenini. Ukubaluleka kwe Will:
- Iqinisekisa ukuthi lowo ofuna abhekelele noma athole izimpahla noma ifa lakho uma ungasekho, nguyenza othola ilungelo eligcwele.
- Uyaqoka ukuthi ngubani ozohlanganyela udaba lokucazwa kwefa noma kwezimpahla zakho. Lowo usuke uthemba ukuthi unolwazi olunzulu ngalesisimo futhi uzokwenza ngendlela. Lokhu kungaba yi-Executor noma I Trustee yefa.
- Ungabeka nalowo ozobhekelela ukukhuliswa kwezingane zakho ozozishiya ekufeni kwakho. Lowomuntu umqoka ngokuthemba ukuthi uzofeza izidingo zezingane ngendlela zize zifike eminyakeni lapho sezisegunyeni lokuzibhekela ifa lomzali noma lowo obathandayo.
- Uyakwazi nokubeka indlela ofuna ngayo uhlelo lokukungcwaba luhambe ngakho. Kungaba ukuthi ufuna wenziwe ubani umngcwabo noma ufuna uhlelo lumiswe kanjani ukuze uhambiswe ngesizotha osithandayo.
- Ukwehlisa ubuhlungu kumndeni wakho esikhathini lapho bezobe bezwela ngokuhamba kwakho emhlabeni. Lokhu kwenza kube khona okunye abangeke bahlukumezeke ngakho uma usungasekho emhlabeni
- I-Will uyakwazi ukuyenza kubameli, ebhange lakho noma ezinkampanini ezingochwepheshe kuloluhlelo.