I ka honua o ka 'inikua a me ka panakō, paʻakikī loa nā kaʻina hana a me nā kānāwai. I mea e mālama ai i kāu mau kuleana, pono e ʻike i nā ʻano lālā āpau a ma kēia ʻatikala, e hoihoi mākou i ka lālā. Aia paha ka hope i loko o kahi panakō a i ʻole ʻoihana ʻinikua a loaʻa iā ia he kūlana ʻokoʻa mai ko ka mea kūʻai maʻalahi, akā, ʻaʻole ia he mea kuleana. ʻOiaʻiʻo, noho ia he kūlana waena ma waena o lāua, a no ia mea, pono ʻoe e hoʻomaopopo i ke ʻano o ka lālā.
No laila he aha ka wehewehe ʻana o kahi lālā? Inā makemake ʻoe e ʻike i ka pane, e ʻoluʻolu e hoʻomau i ka heluhelu ʻana i kēia ʻatikala!
He aha ka lālā?
I kēia mau lā, nui nā ʻano ʻinikua, inā no ka halihali, hale, olakino a me nā holoholona. Pono kekahi, e like me ka hihia no nā hale a me nā kaʻa, a ʻo nā mea ʻē aʻe he koho.
Ma kekahi hihia, lawe 'inikua hiki lawe mai ia oe i na pomaikai he nui, no ka mea e pōmaikaʻi ana ʻoe i ka uku i ka wā e koi ai. Pono e hoʻomaopopoʻia e pili ana ka uku uku i keʻano o kaʻaelike. Hiki iā ʻoe ke koho i nā makana kumu, waena a i ʻole nā pilikia āpau.
Eia naʻe, ma mua o ke koho ʻana i ke ʻano o kāu uhi, pono ʻoe e ʻike he nui nā ala e pōmaikaʻi ai i nā lawelawe o kahi ʻinikua. Hiki ke kau inoa ma ke ʻano he mea kūʻai maʻalahi a i ʻole he lālā.
ʻO ka lālā he kanaka nāna loaʻa i kahi ʻaelike hoihoi ma mua o ka mea kūʻai maʻalahi a ʻo wai ka mea e paʻa i ka ʻāpana o ka hui. Aia iā ia ke kuleana e komo i ka hoʻoholo ʻana i loko o kēia hui. Pono e hoʻomaopopo ʻia e uku kekahi lālā i kāna uhi e like me ka mea kūʻai maʻalahi. He mau pono hou wale no kona.
He aha nā pōmaikaʻi o kahi lālā?
Hāʻawi ka Mutual insurers i ka nui o nā pono i kā lākou poʻe kākau inoa, me ka hiki ke lilo i lālā.
ʻO ka mea mua, pono ʻoe e ʻike i kēlā he kuleana ko ka lala e koho balota i ka wā e hoʻoholo ai a hoʻoholo paha i ke kuhikuhi o ka hui; He mau balota like ko na lala a pau, me ka nana ole i ka nui o na mahele i paa.
Ma ke ʻano he lālā, hiki iā ʻoe ke loaʻa i nā hāʻawi ʻinikua kūʻokoʻa ʻaʻole i loaʻa i nā lālā ʻē aʻe, ʻo ia ka mea e pōmaikaʻi ʻoe mai nā hoʻoemi nui a me nā hōʻemi nui, ʻoi aku hoʻi no nā hāʻawi ʻokoʻa āpau i maʻamau nui loa.
ʻO ka 'inikua pili i nā pilikia āpau a i ʻole nā mea hoʻolimalima kālā kahi e loaʻa ai iā ʻoe ka pōmaikaʻi mai ka uku piha no nā kumukūʻai i loaʻa i kahi koi, ʻoiai kona ʻano. Me ke kūlana o ka lālā, hiki iā ʻoe ke pōmaikaʻi mai kēia uhi me ka hoʻolilo ʻole i ke kālā nui.
Ma waho aʻe o kēlā, loaʻa i ka lālā i ka hopena o kēlā me kēia makahiki kahi uku e like me ka helu o kāna mau ʻāpana, no ka mea, ʻoi aku ia ma luna o nā mea a pau. Akā e akahele, ʻaʻole pono e huikau ka lālā me ka mea kuleana. He lālā paʻa ka hope a paʻa i nā ʻāpana a ʻaʻole ʻāpana. Pono e hoʻomaopopo ʻia ua kaupalena ʻia nā hana a he kālā nui loa ke kūʻai ʻana iā lākou.
No ka mea he hoʻopukapuka, ʻokoʻa ka waiwai o kāu ʻāpana, a me kāu uku e like me nā ʻāpana.
Pehea e lilo ai i lālā?
Inā makemake ʻoe e lilo i lālā, ʻike i ka maʻalahi o ke kaʻina hana. Pono ʻoe e hele i kahi ʻinikua hui e hana i kāu kau inoa. Eia naʻe, ʻo ka mea paʻakikī ke koho ʻana i ka mea hoʻolako. ʻOiaʻiʻo, me nā ʻoihana ʻinikua ʻokoʻa e kū nei i kēia lā, ʻaʻole maʻalahi ka hoʻoholo ʻana i ka mea e ʻae iā ʻoe e hana i kahi hoʻopukapuka palekana a maikaʻi. No ke kōkua ʻana iā ʻoe e koho, eia ka papa inoa o ʻO nā ʻoihana ʻinikua maikaʻi loa:
- Hui VYV ;
- Malakoff Humanis ;
- Kāpiha ;
- Aesio ;
- AG2R ;
- Covea ;
- Kūkulu Pro.
I ka hoʻopau ʻana, hiki i ke kūlana o ka lālā ke lawe iā ʻoe i nā pono like ʻole i loko o kahi hui ʻinikua a no kēia, pono ʻoe e hoʻomaopopo i nā ʻano a me ke kumu o kēia kau inoa i mea e hoʻoholo ai i kona pono.
I kēia manawa ua ʻike ʻoe pehea e lilo ai i lālā, a me nā pōmaikaʻi o ka lilo ʻana i lālā.
