Ke kūʻai ʻana i ʻinikua ola no kāu mea ʻē aʻe nui: he aha kāu e ʻike ai

Ua loaʻa i ka maʻi maʻi COVID-19 ka nui o ka poʻe e noʻonoʻo nei e pili ana i ka hoʻonui ʻana i ka palekana kālā. Kōkua ka ʻinikua ola i ka hoʻomākaukau no nā lilo i manaʻo ʻole ʻia. Hāʻawi ia i ka palekana, a me ka maluhia o ka noʻonoʻo e ʻike nei hiki i nā mea aloha ke mālama iā lākou iho. ʻO ka loaʻa ʻana o kahi kulekele inikua ola hiki ke hoʻokuʻu iā ʻoe mai ka alualu mau ʻana o ka palekana kālā. Inā ʻaʻohe ou puʻu kālā nui e moe ana, maikaʻi ke lawe i kahi kulekele ʻinikua. Hana iā ʻoe iho a i kāu mea nui ʻē aʻe paha. Maʻalahi maʻalahi kēia hana.

Inā pili ʻoe i ka pilina koʻikoʻi a hopohopo ʻoe e pili ana i kāu pono o ka hapalua ʻē aʻe, e pale iā lākou mai kahi manaʻo kālā. Hiki ke kūʻai aku i ka ʻinikua ola no kekahi mea ʻē aʻe a kapa iā ʻoe iho ma ke ʻano he mea pono inā loaʻa iā ʻoe kahi hoihoi insurable.

He aha ka hoihoi insurable, ʻeā?

Inā ʻaʻole ʻoe i hālāwai me ka manaʻo interest insurable ma mua, pono ʻoe e ʻike he ʻano hoʻopukapuka ia e pale ai iā ʻoe mai ka pohō kālā. ʻOi aku ka pololei, hiki iā ʻoe ke kiʻi i ka uhi kālā e kūʻē i nā hanana hoʻomaka e like me ka make, nā pohō, a pēlā aku. No laila, inā ʻike ʻoe i nā hopena kālā ma ke ʻano he hopena o kāu hala ʻē aʻe nui, loaʻa iā ʻoe ka uku mai ka ʻoihana inikua. Pono e uku ʻia ka hoʻolohe ʻana i ka ʻoiaʻiʻo ʻole i ke kānāwai no ke kūʻai aku ʻana o nā mea ʻinikua i nā kulekele i kekahi me ka ʻole o kēia ukupanee hiki ʻole ke hoʻopaʻa ʻia. Pono e loaʻa kahi kumu kūpono no ka hoʻopaʻa ʻana i kēlā me kēia kanaka.

Maoli,ʻo ia keʻano o keʻano o ka makemake o keʻano o kekahi kanaka i loko o ka hōʻoia. ʻO nā mea lawe o nā mea i hōʻoiaʻia ka mea i hōʻoiaʻia. E pili ana i ka waiwai waiwai, ua hōʻikeʻia ka makemake i loaʻa i ka waiwai o ka waiwai i hōʻoiaʻia.

E like me kāu e noʻonoʻo ai, koi ʻia ka hōʻoia o ka hoihoi insurable i ka wā o ka noi noi a me ke kūʻai ʻana mai i ke kulekele hoʻopiʻi. E hōʻoia i ka loaʻa o ka hoihoi i insurable, e kūkākūkā piha ka ʻoihana ʻinikua me ka mea nāna ka polikua, ka mea e pono ai, a me ka ʻinikua hoʻi. E hoʻoholo lākou inā he pilina maoli kahi e lilo ai kahi pohō ke make ke kanaka, inā he ʻano naʻau a i ʻole kālā. Inā ʻaʻole loaʻa ka uku paneʻe i ka manawa kūʻai, ʻaʻole kuleana ka ʻoihana ʻinikua e uku i nā loaʻa mai ke kulekele - i nā huaʻōlelo ʻē aʻe, e hoʻokō i kāna kuleana, e like me ka ʻaelike.

Nā ʻano o nā palapala ʻinikua ola i loaʻa no nā mea ʻē aʻe koʻikoʻi

Hiki iā ʻoe ke kiʻi i ka ʻinikua ola no kāu hapalua ʻē aʻe inā he hoihoi kāu e inurable. Inā makemake kāu mea ʻē aʻe e hana i ka hana i ke kaʻina, ʻoi aku ka maikaʻi. ʻO ke kūʻai inikua ola kahi ʻāpana o kahi hoʻolālā kālā ʻoi aku ka nui.  Ehia mau ʻinikua ola e loaʻa   he mea ia e noʻonoʻo pono ai. E hoʻolōʻihi i ka manawa e hoʻomaopopo ai i ka nui o ka uhi ʻana no kāu kūlana kikoʻī.

Loaʻa nā ʻano like ʻole o nā kulekele ʻinikua ola i ka mākeke, no laila pono ʻoe e hana i kahi koho naʻauao I kēia manawa, e nānā mākou i nā huahana ʻelua i makemake nui ʻia: ʻinikua ola āpau a me ka ʻinikua ola. Hiki ke paʻakikī ke ʻike pehea e koho ai i ke ʻano pono o ka ʻinikua ola.

ʻInikua ola holoʻokoʻa

In spite of the fact that it is a little bit more expensive, whole life insurance guarantees that there will be a payout if the person passes away within the specified term of the contract as long as the premiums are paid on time. if your other half does not want to pay for the life insurance policy, you will have to take up this responsibility to ensure that the policy remains in effect. ʻInikua ola holoʻokoʻaincludes a savings component, which translates into the fact that it accumulates cash value. You can withdraw money from the cash value if you decide to put an end to the policy.

ʻInikua ola kau

ʻInikua ola kauis the most common way of protecting a significant other financially. What happens is that you buy life insurance coverage for a certain number of years (10, 20, 30, etc.). The premiums are relatively low, so it is the most affordable option on the market. You can obtain significant amounts of coverage for reasonably low costs. The percentage of individuals who get approved for term life insurance is relatively high. If you meet the necessary requirements, you are good to go.

Pehea e loaʻa ai ka ʻinikua ola no kāu mea nui ʻē aʻe

ʻAʻole ia ma waho o ka maʻamau āu e makemake ai e kūʻai i ka inikua ola no kāu mea aloha. Inā hiki kekahi mea, e hōʻoia ke kulekele ʻaʻole ʻoe e ʻaiʻē ma hope o ka lilo ʻana o ka loaʻa kālā āu i maʻa ai. Mai hopohopo inā ʻaʻole ʻoe e kūpono i ka inikua maʻamau no ka mea aia nā huahana he nui e hāʻawi i ka maʻalahi. Ke hoʻi nei i ke kumuhana, mai hoʻonele i ka manawa hou, a hana i nā hoʻonohonoho kūpono. ʻO kēia ka mea āu e pono ai e hana, maʻamau.

Hana i kahi pilina me kāu ʻoihana inikua e ʻoi aku ana i nā helu a me nā kamaʻilio. Hui i loko o ke kanaka a loaʻa kahi ʻōlelo. E noiʻi i nā helu hoʻokūkū ma mua o ka manawa, e makaʻala i kāu mau makemake a me nā pono kālā, a hoʻomākaukau ʻia kāu mau nīnau. Hoʻonui i kāu kuhi o ka loaʻa ʻana o nā uku āu e makemake ai.

ʻAʻole pono ʻoe e nānā i kēlā me kēia insurer pākahi. Inā makemake ʻoe e hōʻoia i ka loaʻa ʻana o ka ʻaelike maikaʻi loa, e hoʻohana i kahi pūnaewele hoʻohālikelike, kahi e hoʻopau ai i ka wānana mai ke kaʻina hana. E kiʻi koke ʻoe i nā ʻōlelo a ka hui inikua he nui e kōkua iā ʻoe i ke kaʻina.

Kōkua ka mea kālepa inikua i ka pale ʻana i kāu mau hoihoi. Hiki iā ʻoe ke hoʻoholo i ka manaʻo e pili ana i ke ʻano o ka ʻinikua e pono ai. E loaʻa ʻoe i ka uhi ʻana ma ke kumukūʻai maikaʻi loa, no laila ʻaʻole ʻoe e nalo ana i kahi huahana ʻoi aku ka maikaʻi ma kahi ʻē aʻe. Eia kekahi, e kōkua ka mea hoʻolimalima inikua iā ʻoe e hoʻomaopopo i kāu kuleana.

ʻO ka hope loa he mea nui, ʻaʻole hiki iā ʻoe ke lawe i kahi kulekele ʻinikua ola me ka ʻole e haʻi aku i kāu hoa. Koi ʻia ka ʻae, ʻaʻole e haʻi hou he pono ia e nānā i ka lāʻau lapaʻau. Inā hele ʻoe i mua me ka hoʻolālā, makaʻu ʻoe i ka hana ʻana i kekahi mea i kū ʻole i ke kānāwai. Pono ke komo ʻana o kāu mea ʻē aʻe i loko o ke kaʻina noi a makemake pū ʻia. Hoʻohālikelike i nā ʻōlelo mai nā ʻoihana like ʻole e loaʻa kahi manaʻo o kāu koho a hoʻomanaʻo i ka mana o ka ʻike.