Verb: Many meanings. See the sanakirja.org entry for more. The main meanings are as below.
- (e.g. of clothes) to wear (out/thin/down),
- (of money) to get spent, go, (of food) get eaten/consumed
- (of time) to go by, pass by, pass off
NOTE: Be careful not to confuse kulua with kuulua, which is a different verb. Kuulua is the verb that appears in the common phrase Mitä kuuluu? (”How are you doing?”)
In our example, aika means ”time,” so the best translation of the phrase ”aika kuluu” might be ”time passes” or ”time goes by.”
Hanki is the second-person singular imperative of hankkia, a verb that means ”to get.”
The phrase means ”Get OP-pension insurance.” (OP is a Finnish cooperative bank.)