Ubu bwishingizi bugoboka igihe habayeho igihombo cyangwa ibyangiritse ku mutungo watewe n'umuriro, inkuba no guturika kandi bugera no kubirimo imvururu, imyigaragambyo, ibyangiritse cyane, inkubi y'umuyaga, umutingito, imyuzure, n'ibyangijwe n'amazi bitewe no guturika cyangwa kwangirika kw' ibikoresho by'ibigega by'amazi hamwe n'imiyoboro. Umutungo utwikiriye urimo: inyubako n'ibikoresho, ibihingwa,imashini n'ibindi.

Ubu bwishingizi bwishingira igihombo gishobora guturuka ku ngaruka ziterwa n’umuriro hamwe n’ibindi byose bifitanye isano. Ingero z'igihombo gishobora kuvamo harimo Gutakaza inyungu, ubukode, umushahara cyangwa kwiyongera kw' amafaranga yinyongera mugiciro cyo gukora mugihe runaka.

Ubu ni ubwoko bw'ubwishingizi budasanzwe bugamije kwishingira inganda mu kurwanya ibintu byose bishobora kugira ingaruka kumikorere y'ikigo nk'umuriro, ubujura no gutakaza inyungu.

Ubu bwishingizi bufasha mu guhangana n'ingaruka zikomoka kumvururu, imyigaragambyo n'imvururu z’abaturage kubera impamvu za politiki, ibikorwa by'iterabwoba, gusenya, kwangiza kubera impamvu za politiki, kwigomeka, impinduramatwara cyangwa intambara.

Ubu bwishingizi bubereye imishinga mito n'iciriritse. Butanga ibyiciro byinshi by'ubwishingizi ariko bufatiye kuri bumwe bw'ibanze bityo ntihashyirirweho uwishingiwe amafaranga make kuri buri cyiciro cyubwishingizi. Politiki ntishyiraho ibirenze uwishingiwe. Ibyiciro bitangwa na SanlamAllianz GI ku bucuruzi bukomatanyije ni:

• Inkongi y'umuriri n'ibyo bifitanye isano
• Ubujura bukoresheje ingufu
• Ibyago byose
• Ibikomere bitewe n'akazi.

Ubu bwishingizi bukubiyemo igihombo giturutse ku mpanuka cyangwa kwangirika kwikirahure kugeza ku giciro cy'ubwishingizi. Ubu bwishingizi boshobora gutangwa kubirahure by'inama, ibirahure bishyirwa ahagaragara, ibirahure biri ahantu hamwe n'ibirahure ahantu mu kibanza runaka.