Malu i PALANI PUTU. Malu i koe i he fetokoni aki

Transcription

1 Malu i PALANI PUTU Malu i koe i he fetokoni aki

2 PALANI PUTU Ma u ha atamai nonga he taimi o e faingata a ia Ka mate ha ofa anga, ko e taimi ongo i mamahi aupito, pea oku fa a hoko o toe puputu u ange e fakakaukau he ngaahi fakamole fakapa anga o e putu, mo e ngaahi mo ua ke totongi. Ko e Palani Putu tene oatu kiate koe a e nonga i ho o ilo i ko koe mo ho fāmili oku malu mei hono to e tanaki atu e puputu u o e ngaahi palopaloma fakapa anga fakavavevave ko ia. Te ke fili pe e levolo ke ke malu i ai Ko e Palani Malu i he Putu oku ne oatu e malu i ki he $5,000, $7,500 pe ko e$10,000, ke tokoni ki ho fāmili ke totongi ki ha fakamole fakapa anga ta e amanekina o ha putu. Ko e totongi o ha putu anga maheni oku faingata a ke fakafuofua, he oku kehekehe a e totongi o e ngaahi me a oku kau ki ai. Ko e fakahinohino lelei taha oku lava kemau oatu kiate koe, ko e avalisi fakapa anga ki ha putu anga maheni oku i he $8,800*, ka oku i ai e ngaahi totongi oku fa a tu uaki i he mahu inga oku kamata mei he $3,000 o ha ki i putu ma ama a pe, ki he $15,000 pe lahi ange. Ko e hā e uhinga ke ai ha Palani Putu? Ke oatu kiate koe mo ho fāmili ha atamai nonga. Oku ikai ha toe fehu i fakafaito o ke fakakau ki he malu i. Totongi malu i oku ma ama a, pea fa a mahina e 12 a e vaha a taimi tali ki he kole malu i fakatu utamaki pe i he ngaahi malu i lahi. * Kuo osi esitimeti e he Kautaha a e Kau Talēkita Putu a Nu u Sila (Funeral Directors Association of New Zealand).

3 Totongi Malu i a e Palani Putu Vaha a Ta u Motu a (ngaahi ta u) Totongi Fakamahina $5,000 malu i $7,500 malu i $10,000 malu i Ikai ifi Ifi Ikai ifi Ifi Ikai ifi Ifi 16 ki he 35 $2.67 $3.72 $3.45 $4.86 $4.23 $ ki he 40 $2.82 $3.95 $3.67 $5.20 $4.52 $ ki he 45 $3.32 $4.71 $4.42 $6.35 $5.52 $ ki he 50 $4.59 $6.66 $6.33 $9.26 $8.06 $ ki he 55 $6.74 $9.94 $9.55 $14.19 $12.36 $ ki he 60 $9.76 $14.57 $14.09 $21.13 $18.41 $ ki he 65 $15.34 $23.11 $22.46 $33.94 $29.58 $ ki he 70 $23.56 $35.67 $34.78 $52.78 $46.00 $ ki he 75 $36.73 $55.82 $54.54 $83.01 $72.35 $ ki he 80 $59.78 $91.07 $89.12 $ $ $ ki he 85 $97.34 $ $ $ $ $ E liliu e totongi malu i he taimi oku a u ai e tokotaha malu i ki he vaha a ta u motu a fo ou. E ta ofi a e malu i he taimi e a u ai e tokotaha malu i ki he ta u 86. Ko e totongi malu i e to o otometiki pe ia mei ho o akauni Kulētiti Iunioni E totongi fakamahina e malu i, pea e to o pe ia mei he akauni Kulētiti Iunioni taau taha. Ko e totongi malu i oku fakatefito he ta u motu a, pea e hiki hake i he taimi e a u ai ki he vaha a ta u motu a fo ou.

4 Tali kuo fakapapau i (Guaranteed acceptance) Ko e malu i oku fakapapau i ki ha taha pe mei he vaha a ta u 16 ki he 85. Ikai fiema u ha fakamatala fakafaito o ke kau ki he malu i. A u ki he memipa fāmili pe kaungame a e toko 10, e malava ke tanaki mai ki he malu i. E lava pe ke ke fili ha tokotaha ke monū ia i he fili pe a au; ka ikai ko e eke i o e totongi malu i fakafoki e alu ia ki ho o tauhi koloa. Ko e hā e me a oku ikai kau he malu i? Oku ikai kau heni a e malu i mate i ha fa ahinga founga pe,tukukehe e mate fakatu utāmaki, i he uluaki mahina e 12, kapau oku kei ma ulalo hifo he ta u 76 he taimi na e kamata ai ho o malu i (ko e 105% a ho o totongi malu i e totongi kakato fakafoki atu ia). Oku ikai kau heni a e malu i mate i ha fa ahinga founga tukukehe mei he mate fakatu utāmaki i he uluaki mahina e 24, kapau oku ke i he vaha a o e ta u motu a ko e 76 ki he 85 he taimi oku kamata ai ho o malu i (ko e 105% a ho o totongi malu i e totongi kakato fakafoki atu ia). Oku ikai kau heni ha malu i o e fānau oku nau si i hifo he ta u 16. Ko e malu i e ngata i he taimi e a u ai e tokotaha malu i ki he ta u 86.

5 Ngaahi fehu i oku fa a toutou ekea Ko hai e tokotaha e ala monū ia? Fa ahinga tokotaha fakanatula pe e fili ke tokotaha monū ia. Ko e hā e me a e hoko kapau e mate e tokotaha monū ia kimu a iate au? E lava pe ke ke liliu e tokotaha monū ia i ha fa ahinga taimi pe ( i ha fa ahinga uhinga). Kapau e ikai teke liliu ho o tokotaha monū ia, pea ko ho monū ia leva e totongi ia ki ho o tauhi koloa. E lava keu kole noo mei he eku malu i? Ikai, ko ho o malu i oku ikai ai ha pa anga pe ko e pa anga fakapisinisi. E lava keu kaniseli eku malu i? Io, i ha fa ahinga taimi pe. Fetu utaki pe ki ho o Kulētiti Iunioni. E hoko nai eku malu i ke uesia ai a eku totonu ki ha fa ahinga monū ia pe fa ahinga tokoni? Ikai. Ko e totongi malu i oku ikai fakakau ia he sivi ki he ete ngaahi koloa, pea oku ikai tukuhau ia. Kapau ko e mate i ha fakatu utamaki, pea e ikai uesia ai ete ngaahi totonu mei he ACC. Fakamo oni leva he aho ni - Fetu utaki ki ho o Kulētiti Iunioni Fetu utaki ki ho o Kulētiti Iunioni fakafeitu u, ke ale i e fa ahinga malu i oku ke fiema u. Tenau tali ho o ngaahi fehu i kotoa, pea ka i ai ha eke i ha totongi malu i fakafoki, ko ho o Kulētiti Iunioni tenau tokangaekina a e me a kotoa ma au pea mo ho fāmili foki.

6 PALANI PUTU Foomu Kole Malu i Full name of person to be insured: Cover (please tick one): $5,000 $7,500 $10,000 Credit union membership number: Postal address of Insured Person: Phone: Male Female Date of birth (dd/mm/yyyy) / / Have you smoked in the last 12 months? Yes No Full name of beneficiary: Life insured s relationship to beneficiary: Postal address of beneficiary: Oku ou mahino i mo loto ki ai, ko e aho oku ou fakamo oni ki ai i lalo, ko e aho ia e kamata ai eku malu i. Oku ou mahino i mo loto ki ai, ko e tu utu uni ki he malu i ko eni oku ikai i ai ha fakatupu pa anga pe ko ha mahu inga faka osi. Oku ou mahino i mo loto ki ai, teu lava pe o kaniseli a e malu i ko eni i ha fa ahinga taimi pe, aki ha aku fakafonu ha foomu mei he eku Kulētiti Iunioni. Oku ou mahino i mo loto ki ai, e lava keu ma u ha tatau kakato o e Tohi Tu utu uni Malu i i ha aku kole mei he eku Kulētiti Iunioni. Oku ou mahino i mo loto ki ai, oku ou malu i pe ki he mate fakatupunga e ha fakatu utāmaki ki he uluaki mahina e 12 (kapau oku si i hifo he ta u 76)/mahina 24 (ka i he vaha a ta u o e 76 85) ki he malu i ko eni, pea ko e mate fakanatula pe taonakita oku ikai fakakau ia i heni he vaha a taimi kole malu i. Oku ou mahino i ko e malu i ko eni e ngata faka aufuli pe ia he taimi teu a u ai ki he ta u 86. Oku ou mahino i mo loto ki ai, ko e totongi malu i e to e hiki hake ia he taimi e a u ai ki ha vaha a ta u motu a hoko, pe ko ha liliu ki ha ngaahi malu i, pe ko e liliu a e tokolahi e kakai ke malu i, pe ko ha aku kamata ke ifi, pe ko e totongi malu i kuo to e fakalahi ( i ha fa ahinga uhinga pe), pea ke oatu ha fakatokanga aho e 3 kimu a. Oku ou mahino i mo loto ki ai, ko eku Kulētiti Iunioni tenau ma u ha totongi mei hono tu uaki o e malu i ko eni kiate au. Oku ou mahino i mo loto ki ai, ko eku koloa mo e tokotaha monū ia oku kei mo ui, tene oatu a e ngaahi pepa fakamatala ki he eku Kulētiti Iunioni ke tokoni ki hano eke i fakafoki o e malu i ko eni. Oku ou mahino i mo loto ki ai, teu lava pe o malu i tu o taha pe he ngaahi tu utu uni fakalao, neongo aipe kapau oku lahi eku ngaahi akauni mo e Kulētiti Iunioni. Signature of person to be insured: Person from whose account the premium payment will be deducted: Name: Membership No: Signature: Date signed: Office use only: Processed by: Loaded to FACTS:

7 Ko e palani malu i tene oatu ha atamai nonga kiate koe mo ho fāmili he taimi o e faingata a ia.

8 Malu i koe i he fetokoni aki Malu i PALANI PUTU Ko e tohi fakahinohino ni, ko e fakamatala nounou pe o e ngaahi tu utu uni a e kulupu malu i fekau aki mo e Palani Putu, a ia oku tauhi e he Kulētiti Iunioni. Ko e tatau o e ngaahi tu utu uni, a ia oku i ai e ngaahi fakamatala ki he aleapau kakato mo e ngaahi tu utu uni, pea mo e ngaahi me a oku ikai kau he tu utu uni o e PALANI PUTU, e malava ke ma u atu ia i ha o kole ki he Kulētiti Iunioni. Ko e PALANI PUTU oku malu i ia e he Kautaha Malu i Kulētiti Iunioni. Ko e Kautaha Malu i Kulētiti Iunioni, oku i he kalasi BBB- a hono malohinga fakapa anga ki he malu i i hono fakakalakalasi e he kautaha Fitch Ratings Insurer. Ko e sikeili fakahokohoko ki he tu unga malohi o e ivi fakapa anga ki he malu i mei he Fitch Ratings Insurer: AAA: Malohi makehe AA: Malohi aupito A: Malohi BBB: Lelei BB: Vaivai talotoloto B: Vaivai CCC: Vaivai aupito C: Faingata a ia lahi. Fakatokanga i ko e + pe - e ala ngāue aki ke tanaki atu ki he fakakalakalasi e tu unga e mo ua he ngaahi fakafa ahinga e totongi. Ko ha ngaahi tanaki mei mui, ka oku ikai tanaki ki ha kalasi AAA pe ko e fa ahinga i lalo hifo he kalasi B. Ko e Co-op Insurance NZ ko e hingoa fakapisinisi ia ki he Credit Union Insurance Limited, ko e kautaha malu i na e laiseni e he Reserve Bank of New Zealand o fakamalumalu (Prudential Supervision) he lao malu i o e Ki ha fa ahinga faka eke eke pe eke i ha totongi malu i fakafoki fekau aki mo e PALANI PUTU, fetu utaki leva ki ho o Kulētiti Iunioni. Oku ke fakakaukau ke kau mai ki he Kulētiti Iunioni? Ha taha pe e lava! Kapau oku te eki ke ke memipa he Kulētiti Iunioni, vakai ki he uepisaiti: ke ilo ai ho o Kulētiti Iunioni ofi taha. Memipa polepole o e: