😂😂

PM po maam need po nmin ng ensurance..tnx po..

nice

and how health insurance is important to our health

Jet Luga ☺️💯

Hi Sir Jet! I'm a Financial Advisor from Sun Life. We have insurance with investment policies :)

What is your first insurance sir? How much is the monthly fee?

Christian Q. Sukhwani it depends on the product,age,smoking habit and gender.

What are your insurance companies you choose?

Kaya nga po bago kumuha ng insurance or bago pumasok sa kung anong investment. It's better to do research, karamihan po kasi ng kumukuha ng Insurance is hindi nila naiintindihan yung pinapasok nila. Tas once na realize nila na hindi pala tugma sa needs nila yung kinuha nila, kasalanan ng agent or Insurance company. Being a Financial Advisor, we are trained to inform and educate our clients. Yes hindi namin ineeducate mga clients tungkol sa ibang investment vehicles since it takes knowledge and expertise para pumasok sa ibang investment options. Our job is to present "Our" solution and hindi lang para maka benta. We do fact finding para malaman namin needs nyo. You should be responsible kung ano needs nyo.

True but researching that is our responsibility too, as someone who wants to avail of an insurance.

I totally agree! Some FAs can be really persuasive and pushy, and tbh they only tell some parts of the policy and not really explain the whole picture. So it is really important to take your time to do some research first before diving right into it.

you are probably right about some other FA's but not everyone of us are like that. Just saying I hope I did not offend anyone. Thanks.

Truy Tayaba thank you! Will definitely try to cover these in future videos!

I’ve heard about that as well! It’s actually one of the reasons why I chose life insurance alone rather than the VUL. People can take advantage of the tax incentives of that program. I hope more Filipinos are aware of that :)

Ano ang PERA ACCOUNT maam?

hello where to avail thi?

Thank you 😊 🤗✌🏻

Thank you! 🙏🏻 🤗✌🏻

Own Property PH i agree! I got mine even before I was the breadwinner. Need to think long term because it’s cheaper to get right now.

𝗪𝗵𝗮𝘁 𝗟𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝘄𝗼𝘂𝗹𝗱 𝗵𝗮𝘃𝗲 𝗯𝗲𝗲𝗻 𝗯𝗲𝘁𝘁𝗲𝗿 𝗳𝗼𝗿 𝘆𝗼𝘂 𝘁𝗵𝗲𝗻 𝗶𝗳 𝗻𝗼𝘁 𝘁𝗵𝗮𝘁 𝗼𝗻𝗲 𝘀𝘂𝗴𝗴𝗲𝘀𝘁𝗲𝗱 𝘁𝗼 𝘂 𝗯𝘆 𝘂𝗿 𝗳𝗿𝗶𝗲𝗻𝗱?

You’re very welcome 😊

Hi Keixia, if you want an elaborated and detailed discussion about insurance please feel free to send me a reply. I am more than willing to guide and walk you through it. I understand that you don't want people selling you something so I swear to give you all the independence to decide if you are to get one from me or not. I just hope you give me a chance to show what we can offer. by the way I am a Financial advisor from PRU LIFE UK. I hope I'll get a chance to talk with you about this. Thank you.

I want to be as unbiased as possible ☺️

@@CharmdeLeon That's what makes your vlog commendable. Considering getting my 2nd policy because of you. Hopefully by next year.

@@MANZOismTV for options we can set a virtual meeting here is my email ad agentdavecruz@gmail.com

❤️❤️❤️

💕💕💕

France - Personal Finance & Student Loan Debt well our parents can always be the dependents for now. I still recommend getting one since it’s much cheaper when you’re younger ☺️

Still better to get one. You can always update your policy to add dependents (probably depending on the insurance provider, but I think it's the same with most insurance products).

You can check this: kzfaq.info/get/bejne/h7KCnZp83LaRkqM.html

Thanks, Kristen Manulat! Will definitely add that to the list! 💕

Truy Tayaba agree! I’ll be talking about this in my next video

would you like to start one sir. I can help and walk you through it. Please send me a reply if you are still into it. I'll be more than willing to help. Thanks.

Thanks, Jim!

Miracle Bitancur that’s great! Hopefully your advisor recommended naman a policy that they know you can continue to pay for ☺️💕

🤗✌🏻

Jannet Gonzaga i have the same!

Hi. Where did u apply po for life, vul and health insurance?

@@lch246 mine : kzfaq.info/get/bejne/sKydpqph08_Sgok.html

Fran Jspr heeeey! 🤗💕

wilfredo madrazo thank you!

Jena Marie Nubla sometimes, it’s in the client’s best interest since they might have a higher premium or more requirements like medical exams if they declare it. But also, it might cause complications in the policy as well. I think it’s really a case to case basis because there are times when the pre existing illness doesn’t affect the policy.

Yes po, may life coverage po siyang kasama. =)

Nikki Canceran thank you! I’m actually quite intrigued with how my opinion about the matter also changed over time.

It will depend po sa needs ng individual. BTID, it will require discipline. With Term Insurance, note that Death Benefit lang po macocovered nya kumbaga mapapakinabangan lang po siya once namatay ka. Nag i-increase din premium nya overtime pag nag renew due to age. Term Insurance is also prone to getting lapsed pag hindi sya namomonitor. If you choose to go BTID, dapat disiplinado kayo sa pag handle ng pera especially kung saan nyo po ito iniinvest. If you decide to Invest in the stock market, Forex or other investment vehicles, make sure na you allot time para mapag aralan ang tamang pag iinvest and kung saan kayo mag iinvest. With pure investments din, if you want higher returns, expect na dapat mataas din amount na iniinvest nyo. Risky to but of you know what you're getting yourself into and kung kaya ng income nyo then you will be fine. VUL on the other hand is for people na hindi disiplinado sa pera nila, walang time matutukan investments nila or wala lang knowledge regarding sa pag iinvest. VUL is basically BTID. DIY lang po ang BTID. VUL provides convenience to people who are not very good or have no time para maka pag focus sa pag iinvest. VUL should also be treated as a long term/investment plan. I'm talking more than 10 years na di gagalawin ang pera. VUL also provides living benefits such as Critical Illness benefit, Accident and Disablement benefits, Daily Hospital Income etc. in which hindi napo provide ng Term. VUL can also be used as MRI or Mortgage Redemption Insurance. And if ever namatay si Policy Owner and need makuha ng beneficiary yung pamana, wala silang babayaran an estate tax. VUL is also for people na hindi sapat ang income to go for pure investments since they can get a VUL for as low as 1500 to 2000 a month. Basically, VUL is more of an Income protection and long term savings product. So at the end of the day it will depend sa needs and goals ng individual. Sa cash flow nila. Kaya dipo sya pwede ma conclude na mas maganda ang isa since case to case basis siya. Just my 2 cents.

@@justinlasola2978 thanks, Justin! I completely agree! A lot of people demonize VUL but I agree that it still really helps a lot of people! Not everyone has the time and discipline to do BTID. I mentioned that that if I knew what I know now, I would do BTID, and that’s because I’m very involved in my stocks trading. But it doesn’t mean that everyone should do it. On the other hand, People who does BTID can do funds also though, maybe index. Not necessarily high risk like forex or stocks. Since the VUL does have extra charges linked to your investments

Yes, wasn't able to mention mutual funds or index funds. Anyway, would still love to hear your opinion about this topic though since i'm still trying to gain more knowledge based on other people's opinion. New subscriber here!

@@CharmdeLeon Went BTID 10 years ago when luckily I attended a seminar by the COL guys Javi Medina & anoither guy back then...I am so thankful to those COL guys...They stirred me clear of this VUL crap....

Donita marie Sandoval thank you din for watching 🤗💕

I have not gone over a BDO life proposal but it should be okay, they’re usually more or less the same. Just make sure you’re comfortable with your FA

Mam i can give you more options and we can discuss it virtually. Here is my email ad agentdavecruz@gmail.com

@@CharmdeLeon yes, correct. Aside from the insurance, FA is very important. Dapat may care and love sa clients while providing excellent service.

Img here 😊

Pwede po kau mag inquire sa financial advisor sa first step.

Almost all allows already. I was told by PhilAm Life

Hi Ms. Anna, im from Axa Philippines. I can share with you the benefit. You may contact me at 09274140504 or csaure73@gmail.com

Good day Christian, we can discuss in detail before you get an insurance para we can plan an ideal life insurance for you. This is my email ad agentdavecruz@gmail.com. we can set a virtual meeting for discussion

Hi Christian! Im from Axa Philippines. I can share with you the benefits. You may contact me at 09274140504 or csaure73@gmail.com

It’s for things that don’t warrant an insurance claim. Like losing a job, a car breaking down, minor medical emergency not covered by insurance, etc

@@CharmdeLeon o yea, i get it now hehe kala ko dahil need muna magpaluwal once need for a claim na from insurance. Thanks

4% to be safe but it really depends where they invest it

Yes, it has a free insurance coverage pero maliit lang po as compared sa mga insurance plan talaga. Meron po silang binibigay na form wherein nakalagay yung mga coverage.

@@arlenegianan5770 hinde nya maliit ang coverage...maliit sya kung/kapag maliit ang pera mong nakapark...

@@gilean6179 nope. Read the terms and condition.

@@arlenegianan5770 Ive read them. what bothers you with these 2 products? Security bank All Access and the BPI version of it?

Nag-email po ako. Baka may maitulong po ako. =)

File directly sa insurance company, any branch naman po yon. Pero kung nakakausap pa si advisor, mas okay pong siya nalang pag-asikasuhin niyo para din po less hassle sa inyo.

@bai jologz, its not yet too late. I can assist you in creating a program suited to your needs. May I have your email address to personally contact you?

Good day Sir, its not yet late we can insured until age 65. We can set a virtual meeting to further discuss it here is my email ad agentdavecruz@gmail.com

Me too mam I'm already 50 is it too late for me to get life insurance?

@@vickyaddatu7943 mam pwede pa kayo kumuha i can send you a quotation paprovide lang po name and birthday niyo sa email ad k agentdavecruz@gmail.com

@@vickyaddatu7943, hi mam! not it is not yet too late. May I have your email address so I can assist you to have the best program suited to your needs.

Hi! I'm from Sun Life. Baka may maitulong po ako sa inyo. You can send me a message, nasa youtube profile ko po fb link ko. =)

yes po. you can actually cancel that. but the thing is why would you like to cancel it. Ano po exactly un nakaligtaan o hnd naipaliwanag ng maayos ng agent niyo. Generally speaking kase maam mahalaga at mabuti na insured ang isang tao para sa kaniya at pamilya niya din ito. Kaya po gusto ko sana malaman kung alin po sa policy ninyo ang hindi ninyo nagustuhan. Baka may maitulong po ako. Maraming salamat.

Hello katrin. same situation on me. I am 25 years old and first time to get VUL sa BPI philam. Quarterly ang debit sakin direct sa ATM ko. nag decide ako ipacancel pero sobrng liit lang ng mababalik lalo na kung under maturity pa yung plan. like for example yung quarterly payment ko is 5799. 400 pesos lang mababalik sakin na refund. because that base on rules and regulations nung plan.

Hi Ms Imelda, I can help you po. Please feel free to message me fb.me/lifeplanph

My premium for example is a 10 years to pay premium

@@whiskat9357 if you have the Waiver of premiums rider, you can continue enjoying the benefits without having to pay anymore. 😊 subject to their terms of course

@@CharmdeLeonthanks for answering hehe, last example scenario * just for curiosity *🤣🤔Can i cancel the insurance habang maaga pa if ever it outweighed and nasulit na ung coverage value😂? Example i only paid for 3 years 40k each =120k palang nabayaran ko but i already used my coverage of 600k from 1M, is it possible to terminate nlng the policy since konti nlang naiwang coverage for my policy 😬.

@@whiskat9357 hmm. If there’s a premium waiver sayang if you terminate it. It’s essentially free. Best to ask your financial advisor since policies really vary a lot.

@@CharmdeLeon I understand :) thank you for replying ! Great channel btw 👍 very helpful for us young adults😃 woooooo!

Depende po sa plan na inavail niyo. May tinatawag pong riders para po mas maging comprehensive yung plan. Pwede niyo po akong imessage kung kailangan niyo pa po ng tulong. Salamat po.