He koi kānāwai ka loaʻa ʻana o ka ʻinikua ola me kahi moraki
Pono anei ka ʻinikua ola moraki ma Kanada? Na Laura McKay ʻO ʻOkakopa 22, 2021-6 minuke Ke noi nei i kahi moraki, hiki i kāu mea hāʻawi ke hāʻawi i kahi mea i kapa ʻia ʻo ka ʻinikua ola moraki. ʻO ke kūʻai ʻana i hale ua lawa ke kumukūʻai, no laila makemake paha ʻoe e ʻike inā pono ke ʻinikua ola moraki ma Kanada. Inā ʻaʻole koi, pono anei? ʻO ka mea pōmaikaʻi, ʻaʻole koi ʻia ka ʻinikua ola moraki ma Kanada. ʻO kēlā ʻōlelo, he mea akamai ke noʻonoʻo i ka mea e hiki ke hana inā ʻaʻole hiki iā ʻoe ke uku i kāu moraki. No ka pale ʻana i kou ʻohana a me kou home hou, he koho maikaʻi paha ka ʻinikua ola moraki. E heluhelu no ka ʻike ʻana i ka ʻokoʻa o ka ʻinikua ola moraki a me ka ʻinikua moraki a inā paha ʻoe, e ka makamaka heluhelu, pono paha ia.
ʻInikua ola moraki UK
E kūʻai i kahi kulekele ʻinikua ola no ka liʻiliʻi liʻiliʻi e like me kāu moraki. No laila, inā e make ʻoe i ka wā "kau" e paʻa ana ke kulekele, loaʻa i kāu poʻe aloha ke ʻano maka o ke kulekele. Hiki iā lākou ke hoʻohana i ke kālā e uku ai i ka moraki. Loaʻa pinepine ʻole ʻauhau.
I ka ʻoiaʻiʻo, hiki ke hoʻohana ʻia kāu mau kulekele no kēlā me kēia kumu e koho ai kāu poʻe pōmaikaʻi. Inā he haʻahaʻa ka uku paneʻe i kā lākou moraki, makemake paha lākou e uku i ka ʻaiʻē kāleka hōʻaiʻē kiʻekiʻe a mālama i ka moraki haʻahaʻa. A i ʻole makemake paha lākou e uku no ka mālama a mālama ʻana i ka hale. ʻO nā mea a lākou e hoʻoholo ai, e lawelawe maikaʻi ana kēlā kālā iā lākou.
Akā me ka ʻinikua ola moraki, ʻo kāu mea hāʻawi aku ka mea i loaʻa i ke kulekele ma mua o ka poʻe pōmaikaʻi āu i koho ai. Inā make ʻoe, loaʻa i kāu mea hāʻawi ke koena o kāu moraki. E pau ana kāu moraki, akā, ʻaʻole e ʻike kāu poʻe ola a i ʻole nā mea aloha i kekahi o nā loaʻa.
Eia kekahi, hāʻawi ka ʻinikua ola maʻamau i kahi pōmaikaʻi pālahalaha a me kahi uku paʻa ma luna o ke ola o ke kulekele. Me ka 'inikua ola moraki, hiki ke noho like ka uku, aka, e emi ana ka waiwai o ke kulekele i ka manawa e emi ana kou koena moraki.
He aha ka hopena i ka ʻinikua ola ke uku ʻia ka moraki?
No laila ua pani ʻoe i kāu moraki. Hoʻomaikaʻi. He mea hale ʻoe i kēia manawa. ʻO ia kekahi o nā hoʻopukapuka nui loa āu e hana ai i kou ola. A no ka manawa a me ke kālā āu i hoʻolilo ai, ʻo ia kekahi o nā hana koʻikoʻi āu e hana ai. No laila makemake ʻoe e hōʻoia i ka uhi ʻia o kāu poʻe hilinaʻi i ka hopena o kou make ma mua o kou uku ʻana i kāu moraki. ʻO kahi koho i loaʻa iā ʻoe he ʻinikua ola moraki. Akā pono ʻoe i kēia huahana? E heluhelu e aʻo hou aʻe e pili ana i ka ʻinikua ola moraki a me ke kumu e lilo ai ia i lilo pono ʻole.
ʻO ka ʻinikua ola moraki kahi ʻano kulekele ʻinikua i hāʻawi ʻia e nā panakō pili me nā mea hāʻawi kālā a me nā ʻoihana ʻinikua kūʻokoʻa. Akā ʻaʻole ia e like me nā ʻinikua ola ʻē aʻe. Ma kahi o ka uku ʻana i ka pōmaikaʻi make i kāu poʻe pōmaikaʻi ma hope o kou hala ʻana, e like me ka ʻinikua ola kuʻuna, uku wale ka ʻinikua ola moraki i ka moraki ke make ka mea ʻaiʻē i ka wā e mau ana ka hōʻaiʻē. He pōmaikaʻi nui kēia i kou mau hoʻoilina inā make ʻoe a waiho i ke koena o kāu moraki. Akā inā ʻaʻohe moraki, ʻaʻohe uku.
Pono au i ka 'inikua palekana moraki?
E hoʻopaʻa inoa iā Samantha Haffenden-AngearIndependent Protection Expert0127 378 939328/04/2019 ʻOiai he mea kūpono ke noʻonoʻo e lawe i ka Inikua Ola e uhi i kāu hōʻaiʻē moraki, ʻaʻole pono ia. ina oe e make. Hāʻawi ʻia i ke kumukūʻai o ka ʻinikua ola, inā he hoa a ʻohana paha ʻoe, pono e noʻonoʻo pinepine ʻia, me ka ʻole o ke koi a ʻaʻole paha. ʻO kahi kulekele ʻinikua wā moraki maʻalahi e uku i ka huina kālā e like me ka ʻaiʻē o ka moraki, e ʻae ana i kāu poʻe aloha e uku i ke koena a noho i ko lākou home ʻohana. Inā kūʻai ʻoe i home ma kāu iho a ʻaʻohe ʻohana e hoʻomalu ai, a laila ʻaʻole like paha ka mea nui ʻo Mortgage Life Insurance. Inā makemake ʻoe e kiʻi i kahi manaʻo o ke kumukūʻai o Life Insurance, e hoʻokomo i kāu kikoʻī ma lalo a loaʻa i nā ʻōlelo ʻōlelo ʻo Mortgage Life Insurance ma ka pūnaewele mai nā mea hoʻokele 10 kiʻekiʻe o UK. Eia kekahi mau kumu kūpono ke kamaʻilio pū me mākou.
