Mīkini a me ka mea ʻinikua kaʻa huila ʻelua: pehea e hana ai a he aha nā pono

Hoʻokahi luna kūʻai ʻinikua mokokaikala hiki ke lilo i mea kōkua nui iā ʻoe i ka hōʻoia ʻana i kāu keke uila ʻelua. He aha ia ? He aha ke kiko? He aha nā mea maikaʻi o ka noi ʻana i nā lawelawe i kēlā ʻoihana? Ehia mau kumukūʻai āu? E ʻike i nā mea āpau āu e ʻike ai e pili ana i kahi ʻoihana hoʻokele ʻinikua no nā motika a me nā kaʻa huila ʻelua.

He aha kahi ʻoihana Hoʻolālā ʻElua Huila?

E waiho wale, ʻaʻohe motika, scooter a me nā kaʻa ʻinikua paikikala ʻaʻole ʻae iā ʻoe e lawe i ka ʻinikua kūʻē mua. ʻAʻole pono e hana māmā i ka ʻinikua no kāu mau huila 2. E koho pono ai, pono ʻoe e hoʻolōʻihi i ka manawa e nīnau ai me nā mea hoʻopaʻa ʻinikua he nui; a lawe pū i kahi manawa e hoʻohālikelike i nā hāʻawi. Minamina, ʻaʻole mau kēia manawa me mākou. ʻO kēia kahi kahi ʻoihana hoʻokele ʻinikua e hoʻopakele ai.

ʻOihana ʻoihana ʻinikua: wehewehe

ʻO kahi ʻoihana hoʻolimalima ʻinikua he hui nui ia e ka Chambre Syndicale des Brokers d'Assurance (CSCA) a hoʻoponopono ʻia e Ke Kuhina Waiwai, Waiwai a me ʻOihana.

He hui ia nona ka kuleana e hoʻopili i ka mea ʻoihana ʻinikua a me ka ʻinikua e makemake ana e hoʻopau i kahi ʻaelike ʻinikua. I nā huaʻōlelo ʻē aʻe, inā ʻaʻohe ou manawa e kiʻi ai i kāu kulekele ʻimikala ponoʻī ponoʻī, nāna e mālama iā ia nāu.

He loea ʻinikua kahi loea ʻoihana e hana nei i ka ʻoihana "Nā mea kōkua inikua" ... A no laila, ʻo kāna kuleana ʻo ia ka mea e pani ai iā ʻoe i nā ʻoihana inikua e ʻimi ai i kahi ʻaelike ʻinikua huila ʻelua no ʻoe e kū ana i kāu mau pono a ʻo ia nō kou hoihoi.

E maopopo iā ʻoe, ʻaʻole holo ka mea ʻinikua mokulele a ʻaʻole hoʻopaʻa ʻia i kekahi ʻoihana ʻinikua. Ma ke ʻano he waena kālā, ua koho ʻia ʻo ia e kāna mea kūʻai aku (ʻo ia ka mea i hoʻopaʻa ʻia) i mea e loaʻa ai iā ia ka ʻinikua mokulele hōʻemi loa.

Pehea e hana ai kahi ʻoihana hoʻokele ʻinikua me nā huila ʻelua?

Ke haʻohaʻo nei nā poʻe he nui pehea e hana ai ma o ka mea hoʻokele? Hana maʻalahi nā Brokers. E like me ka mea i ʻōlelo ʻia ma mua, he mea lawelawe ka mea hoʻolimalima ʻinikua ma waena o ka mea hoʻopaʻa ʻinikua a me ka mea i hoʻopaʻa ʻia i ka wā e hiki mai ana. Ma hope o kou hāʻawi ʻana iā ia, e lilo ʻo ia i kuleana:

• ʻelele me 'oe. E nānā ʻo ia i kāu kūlana, kāu mau pono e pili ana i nā pilikia a me nā hoʻohiki; ma muli o kāu kālā. A e nānā ʻo ia i nā ʻaelike kūpono nāu.
• Kūkākūkā mai nā poʻe inikua. E kāhea aku ʻo ia i nā ʻoihana ʻinikua he nui kahi e hoʻokūkū ai ʻo ia a e kūkākūkā pū ai e loaʻa nā ʻoihana maikaʻi loa.

Pehea e uku ʻia ai kahi mea ʻinikua kaʻa kaʻa huila?

Loaʻa i kahi ʻoihana brokerage no ka ʻinikua mokulele a me ka ʻinikua scooter i kahi komisina. No laila, uku ʻia ka hope ma hope wale nō o ke kau inoa ʻana o ka ʻaelike, a ʻo kāna waiwai e hilinaʻi loa ia.

E kūkākūkā i kahi Mīkini ʻInikua Moka: Nā Pōmaikaʻi

Ke hāʻawi nei i ka hoʻokele kaʻa mokokaikala a me ka hoʻokele scooter i nā pono he nui no ka ʻinikua. Ke hele a kaulana nei ka hoʻohana ʻana o kahi mea hoʻopili inikua, ʻoiai inā ʻaʻole ʻike ʻia ka ʻoihana ma ka hihia o ka ʻinikua kaʻa a me nā kaʻa kaʻa kaʻa. Eia nō naʻe, aia kekahi mau pono nui i ka hoʻohana ʻana i kahi mea ʻinikua broker.

ʻInikua 2-huila e kū i kāu mau mea i manaʻo ai

ʻO ka loaʻa ʻana o nā lawelawe a kahi broker ke ala maikaʻi loa e kiʻi ai i kahi ʻaelike i loaʻa pono iā ʻoe, ʻo ia hoʻi kūlike i kāu mau pono (a i ʻoi aku paha) a kūlike i kāu moʻohelu kālā.

He mea nui nō hoʻi e uhi maikaʻi ʻia ma ke ʻano he kaʻa holo kaʻa ke holo kaʻa mokokaikala. Hiki wawe ka ulia pōpilikia a he nui nā hopena o nā paikikala no ko lākou kino a olakino paha.

Eia kekahi, ʻo kekahi mau paikikala he poʻe pā i ka heihei kaapuni. Kaukaʻi ʻia i ka paikikala, ʻae ʻia a ʻaʻole paha, a me kā lākou hana, inā he leʻaleʻa a hoʻokūkū paha ia, ʻaʻole maʻalahi ka ʻimi ʻana i ka inikua heihei. ʻO ka kuleana o ka mea kālepa Hāʻawi mākou i ka ʻinikua huila 2 e kū i kāu mau mea i manaʻo ai.

Mālama ʻinikua mokokaikala e mālama i ka manawa a me ke kālā

He loea ka mea kālepa ma kāna māla. ʻIke i nā intricacies a pau o ke kālepa, mālama ʻo ia i nā kaʻina hana mai A a Z, a pili pū me ka ʻaoʻao hoʻokele. ʻO nā mea āu e hana ai ke koho ʻana i kahi ʻaelike ma ka hāhai ʻana i kāna ʻōlelo aʻoaʻo a kau inoa i ka ʻaelike ke kūpono ka manawa.

Mālama kahi mea ʻinikua no nā huila 2 i kou manawa. No ka mea ʻo ia ka mea e noiʻi, hoʻohālikelike a kūkākūkā i mea e loaʻa ai nā makana maikaʻi loa. Me ia, hiki iā ʻoe ke hōʻoia e loaʻa iā ʻoe ka ʻaelike ʻoi loa, a, me ka neʻe ʻole o kahi manamana a me ka manawa hoʻopaʻa.

Mea kūʻai ʻinikua mokokaikala: Kūpono no nā mea kuleana i hoʻopau ʻia a i ʻole hōʻole ʻia.

ʻAʻole kēia ka hihia ma ka motika. ʻaʻole maʻalahi ka ʻinikua i nā manawa āpau a loaʻa ka ʻae o ka ʻinikua. ʻOiai, ua kaupalena ʻia ka poʻe ʻōpio i wae ʻia ma ke koho mokokaikala no ka mea inā kūʻai lākou i kahi motika i ʻoi loa ka mana, hōʻole nā ​​mea ʻinikua ʻaʻole e uhi iā lākou. Hoʻokumu ʻia kēia kūlana e ka makaʻu nui o kēia ʻike kalaiwa.

Kūlike ka nānā ʻana no ua hoʻopau ʻia nā hoʻokele kaʻa uila e ka ʻinikua mua... Hiki ke hoʻopau ʻia, no ka laʻana, ma hope o ke kaʻina o nā hanana koʻikoʻi a i ʻole uku ʻole i kahi uku. inā ʻoe he hoʻopaʻi kiʻekiʻe hoʻi kāhe hōʻailona ia o nā kuleana i kuleana i hala, ʻo ka hapa nui o nā ʻoihana inikua e waiho i kāu hihia.

No kēia mauʻikepili paʻakikī ʻo ka hoʻolimalima ʻana i ka mea hoʻolimalima hoʻokele mokulele ka hopena pinepine... ʻIke kēia ʻoihana ʻinikua i nā ʻoihana e ʻae paha i kāu hihia a hiki iā lākou ke kūkākūkā i nā uku kūpono no ʻoe, me ka nānā ʻole i kāu pili. Ma ke nānā ʻana i kāu mau pōpilikia i hala, hiki i ka mea hoʻokele ke aʻo iā ʻoe e pili ana i ka haʻina kūpono, ʻo ia hoʻi, nā hōʻoia e pono ai ʻoe e lawe i mea e holo pono ai kāu motika a scooter paha.

Nā lawelawe hou aku o kahi mokokaikala a me kahi mea ʻinikua scooter

ʻAʻole e aʻo wale aku kahi hui ʻinikua ʻinikua kaʻa kaʻa a me ka scooter iā ʻoe a kūkākūkā i ka hana maikaʻi loa no ʻoe. ʻO kāna kumu nui ka hāʻawi ʻana iā ʻoe i kahi ʻaelike inikua e hāʻawi i nā hōʻoia maikaʻi loa ma ke kumukūʻai maikaʻi loa. Akā hiki nō iā ʻoe hoʻohana i kāna mau lawelawe ʻoiai ma hope o ke kau inoa ʻana i ka ʻaelike.

Kākoʻo ma loko o ka wā holoʻokoʻa o ka ʻaelike

ʻOiai ʻo kēia kou pono ʻoi loa ke kūpono ka ʻaelike, ʻO kāu mea kālepa inikua no 2 mau huila e lilo mau ia iā ʻoe... Hiki iā ʻoe ke kāhea iā ia e noi i nā ʻōlelo aʻoaʻo, e nīnau iā ia inā ʻaʻole maopopo iā ʻoe kekahi mau kiko o ka ʻaelike.

Pēlā nō, inā ʻike ia ʻaʻole hoʻokō kāu mea inikua i kāna mau kuleana, a i ʻole inā ʻike ʻo ia i kahi kuʻikahi ʻoi aku ka maikaʻi (ʻoi aku ke kūpono, ʻoi aku ka liʻiliʻi) ma nā wahi ʻē aʻe, mālama ʻia ke kuleana e koi iā ia iā ʻoe. Ma kāu noi, hiki iā ia ke hoʻopau i ka ʻaelike o kēia manawa a kōkua iā ʻoe e kau inoa no kahi mea hou.

Kōkua inā he koi

hiki iā ʻoe kekahi e hilinaʻi ma luna ona inā pilikia... Hiki iā ia ke lawe i nā kaʻina hana hoʻomalu āpau a me nā palapala, no ka laʻana, i ka hihia o ka haukapila. E hōʻoia ʻo ia e lawe pono ʻoe i ka uku āu i kuleana ai e like me nā ʻōlelo o ka ʻaelike; a e loaʻa iā lākou iā lākou i ka hiki wawe.

ʻO ko mākou manaʻo e pili ana i ka ʻoihana o kahi mea ʻinikua hoʻokele mokokaikala

E hoʻomaopopo ʻoe i loko o kahi kaiāulu kahi e alualu mau nei mākou i ka manawa, hāʻawi ka mea hoʻokele kaʻa kaʻa kaʻa a me ka scooter i ka hopena o ke koho inā ʻaʻole mākou e makemake e lawe i ka ʻinikua huila ʻelua e kūlike ʻole me kā mākou pono a me kā mākou moʻohelu kālā.

ʻO kahi loea i kāna māla a me ka ʻike ʻoi aku ka maikaʻi o ka nohona, e hoʻopakele ʻo ia iā ʻoe i ka huakaʻi nui e kiʻi i ka ʻike mai nā ʻoihana ʻinikua he nui. Mālama kēia iā ʻoe i ka hoʻohālikelike ʻana i nā hāʻawi, me ka hiki ʻole ke ʻike i nā ʻūpē e hūnā ʻia ma hope o nā laina o kēlā me kēia aelike. ʻAe ʻae iā ʻoe ʻaʻole wale no ka mālama manawa wale nō, akā no ka mālama nui pū kekahi.

Ma kekahi ʻaoʻao, ʻaʻole pono ʻoe e uku i nā lilo huakaʻi, a ma ka ʻaoʻao ʻē aʻe, uku ʻoe i ka ʻinikua e kūpono i kāu moʻohelu kālā. A i ʻole ʻoi aku ka liʻiliʻi, no ka mea ma ka hana ʻana no nā mea kūʻai aku he nui, hiki i kahi mea ʻinikua hoʻokele ke komo i ka hoʻokūkū. A hoihoi nā ʻoihana ʻinikua i ka hāʻawi ʻana iā lākou i nā makana maikaʻi e pōmaikaʻi ai ʻoe.

Hiki iā ʻoe ke hoʻohana i ka hoʻohālikelike inikua uila e ʻike i nā makepono maikaʻi loa ma ka mākeke.