I don't like VUL coz technically, if you're going to "COMPUTE" the numbers, Lugi ka! But this review of Sir Rex is very objective :) may binabagayan si VUL and BTID

Truth.

Ok lang po ba vul kasi ang daming chargers eh paunti ng puanti ung hulog ko

Hello po mam, may i ask? Saan po kayo kumuha ng mutual funds and cooperative bank?

Don't be over diversified. If you can't manage your portfolios over time. Please limit your investments as 5 ASSSET CLASS only. Dapat klaro sa inyo kung san po naka-allocate sa specific goals po mga assets na yan. May tendencies kasi na redundant na basta dapat may portfolio ka Conservative, Moderate and Aggressive types of investments.

You might want to try yung may guaranteed returns like Traditional Insurance with Endowments

I agree🙂

Agree

i agree, i love how sir rex said there is no such thing as free lunch. kasi galit na galit ni sir vince sa coimmision ng financial advisors LOL

Thank you so much po.😊

Laki Ng mga fees sa vul.laki commission Ng agent 50% sa ist year of the total value binayad mu at 30% 2nd year, at 3rd year 20% + insurance hidden charges, mgkno nlng value Ng pera nattira para invested money mu,tapos kkunti nlng mattira,lalo pg bgsak Ang market .halos half Ng binabayad mu nwwla, better btid. I recommend mp2 to invest your money, 6to7% yearly.govt guaranteed at tax free

Sadly, these are experiences that many clients have when they deal with sub-par financial advisors. There are good ones though and I know a number of them. They really render prompt and reliable advise and service.

We do it in our team. Ako nag advise kung anu fund allocation, kelan mag fund switch at kung kelan mag fund re-allocate. Fund switching and fund re-allocation is the only way to protect and make our investment grow. BTW, insurance agents don't do it kasi they don't have the "expertise" on investment. It takes a lot of knowledge and experience in order to make a sound investment advise and you should have a legal authority pagdating sa invetsment (license). not all insurance agents have license in investment. in fact sa 100,000 plus na mga insurance agents, mahigit 3,000 lang ang meron lisensya sa investment thats only 3%.

Some but not all. I know some good financial advisors, hindi yung maka-close lang ng sale tapos bbye na.

@@opensource3941 that's the problem. They pretend that they know investment. They tell clients VUL is the better investment, when in fact they have zero investment knowledge and experience. The company's training curriculum makes your agents believe it's a good investment, they never emphasize that VUL is not for everyone. They are trained not to accept no as an answer. The term financial advisor is not applicable for all life insurance agents. It is misleading people and not all are worthy of that title. I have an aunt, she's 63 years old, no dependents, she was offered a VUL. Yes a VUL. She was made to believe it's a good investment as mentioned by a "financial advisor". Yes that's how bad the industry is.

Yung "fa" ko nga di na naipaalam na need ko na pala magbayad, buti na lang pwde pa magbayad after 1month ng due date. Bigla ko lng naalala na lagpas na due date ko.

Yes, the biggest chunk of charges are upfront. Like the 1st few years of your premium going to the pocket of your agent/advisor. Not to mention ALL the deductions on the money that goes to investment when it starts to accumulate on the 3rd year of your policy or so. Plus the retroactive insurance charges on the 1st few years because like I said, that money goes to the pocket of your agent/advisor.

Agree. What i understood with VUL is that not as much as investment but cash Endowment garanteed at the longnterm.. unlike term insurance, after you pay and luckily hindi ka namatay, wala ka ng makukuha sa hulog mo. And sa VuL, kahit hindi ka makapag hulog but may cash value pa, salo ka parin kahit papano.. yun lang ang ayoko sa VUL. PaG malapit kana sa end term mo, possible maging luge ang "ENDOWMENT" mo.. parang mas benefical si VUL sa mga unang taon mo.. at namatay ka.. hahah pero syempre ayaw naten mamatay. 🤣 paki correct po ang idea ko kung mali man. Para may idea ang mga kumukuha ng VUL. Hindi ko po kasi maintindihan ang BTID. Sabi nila mas okay sya sa VUL.

​@@chrisesc-959 tao po ang mga ahente at mga nagtratrabaho, ang company po nagpapasahod sa kanila hindi naman po libre ang service ng mga eto, eh sa pagbili mo ng car iniisip mo ba lage ung komisyon nila, hindi diba? Tao sila na nagtratrabaho kaya walang masama na silay sumahod din eh kung ang komisyon lang pala tinitingnan mo sa ahente e wag ka na lang kumuha kasi yun ang mindset mo. Hindi po alila ang mga ahente para libre ang service nag aral din po mga yan, nag take ng exam sa IC for license at mayron din silang mga trainings sa kompanyan nila.

Tama ka...Panoorin mo yung vlog ni Vince Rapisuda na ang guest si Ogie Alcasid...na explained ng mabuti doon. And yes, totoo yun kasi minsan na din akong naging FINANCIAL ADVISOR. Malaki kita ng insurance company at ng ahente...Sa ahente palang, 1st month ay 21k na kaagad ang commission...iba pa ang 2nd at 3rd month na commission nila...Iba din ang kubra ng kumpanya...Kaya ang laki laki ng bawas sayo.

Everybody has a point naman. And I understand the sentiments of others na bakit nappunta sa advisors yung portion ng binabayad ng client. Sguro, if you look at it from a wider perspective, kung client ka, at VUL ang kinuha mo, you really have to understand na insurance naman talaga siya na may investment not the other way around. Also, kung advisor ka naman, for sure you know kung gaano kahirap ang work ng advisor kase you have to service the client long term(eg. 10 years) so may point naman din na mabigyan ka ng compensation for the service(yun ay kung tatagal ka sa company, problem kase yung iba hindi nag tatagal di kinakaya yung pressure sa pag abot nung quota). I think these things were built for everybody’s benefit not just the company, client’s family and advisor. Kase kung icocompare mo yung benefits na makukuha ng client compared to the commission of the advisor and the company, makikita mo clearly na pinakanag benefit tlga ang client(yun ay kung tinitignan mo sya as insurance) Kung di mo kaya sikmurain yung charges, better yet, mag pure investment ka. Diba guys hehe let’s be kind to everyone. Goal naman ng lahat e mapabuti ang mga sariling families diba. God bless po!

Tama sir napanuod ko some of ur vlogs. May vul na kac aq for 2years na i covontinue q na lang

@@marichikawa2400 salamat po

Anong vul nyo?

Exactly

True! No need to choose because it’s always better to have both for our whole lifetime

I am somewhat disagree with this comment. I think the reason behind why these platforms are being bundled is that the traditional life insurance package is outdated to suffice the value of money overtime, while the VUL has the potential to increase your insurance coverage with withdrawal-able cash fund value in a long run. Hence, BTID is another option.

Tama ka po hiwalay ang insurance at investment

majority talaga commision driven

Same here kabayan purely health insurance lang no investment attached..separate dapat ang investment through stocks, bonds, mutual funds, etc.

Hi po! May i ask magkano po kuha nyo ng term sa philam? :) kahit range lang sir if uncomfortable po kayo ishare ung exact amount for ur age po :)

@@heykate2036 37 po aq, 8740 annually, guardian 65 po ang tawag. Covered po un ng 1 million until 65 ang plan holder.

@@heykate2036 hi Ms. Kate, if you are interested to know term insurance from Sun Life, please feel free to message me :) License Financial Advisor here.

@@heykate2036, I’m a Philamlife financial advisor. Would be happy to assist you in getting a term insurance plan.

If okay to share, anong coop po?

So far, hindi pa naman nag-fluctuate nang malaki yung insurance charges ko, about 600-700 a month sa isang policy ko, may critical illness rider, a little over 4 years, I'm on my 30s. I believe may notification sila kung lalagpas sa max charges indicated sa contract. Good thing, I can always download the breakdown of charges sa online account. Fair enough for me, considering inflation, same with other professions/services I avail - doctors, accountants, but I get it, they're licensed professionals.

Indeed

Dipende po kasi sa VUL Plan na kinuha niyo. di ko sasabihin kung anong company pero insured ako sa kanila and walang charges.

Agreed

Wayback sir there were VUL insurance policy that does not compelled the benifits of the buyer,they announced bankruptcy and the money invested was gone so people are scared to take the risk

Anong insurance company po kayo kumuha?

Alam ko si PruLife lang ang may limited pay. Ang iba lakas manbudol limited pay daw pero regular plan pla.

Anong insurance po Yan?

You can opt to have BTID. then on investment side, choose PAGIBIG MP2. 5 years din na no widthrawals ang MP2 pero mataas ang dividends nila. Govt guaranteed pa. If VUL kasi, you shoul keep in mind na long term investment ito. 15yrs na walang galawan ng pera and pray na Hindi bumagsak ang stock market every now and then kasi sa fund value mo kinukuha ang insurance charges even natapos mo nang bayaran ang premium mo.

@@lukasloh2509 I agree with you sir.. Hindi lang naman Stock Market ang pwede mong paglagyan nang Investment sa BTID mo, kahit sa Pag-IBIG MP2, or Mutual funds pwede na. 😊😊 at pwede din hindi Term, na renewable for a year, you can opt for Whole Insurance din.

@@lukasloh2509 hi.. can you share some term insurance other than Manila Banker's MOST 18? Thanks

VUL also increases in premium as you age, hindi lang halata 😅

Hindi naman problem kung tumataas every 5 years mas malaki pa naman masasave mo sa BTID kumpara sa VUL 🤣

John Carlo Emberga Good point. But as Boss Rex mentioned, it depends on the persons goals, time horizon etc...

Chadwick de Leon Good to note Sir. But once you got a Vul at earlier age, fix na po ang premium nun hangang maturity paying period. Cost of Insurance po (COI) ang tumataas😁

@@ashdelantar7877 what is your policy?

my question tho is this: is there a scenario where it makes sense to have both term and vul insurance policies? beyond the fact that lets say you are a high income earner?

Mam, saan po kayo kumuha ng VUL

@@Minickzky98 Prulife po.

we can help you with that, find us on facebook Team G insurance and be part of our family.

Hi sir je!im interested about your point but can you sight an example on how to get optimal investment return or that macimum sum assured based on premium? T hankz

@@ginapiez77 its about concentrating all your premium in insurance coverage to get the maximum insurance coverage for your age. That would mean eliminating(or reducing if there's not an option to remove) all add ons that cost extra and expire at a certain year on your policy. You will need to choose regular pay vul because they usually offer the highest coverage multiplier. Please talk to your financial advisor to see how they can customised your policy.

Parang more than 1 year pa nga e