Sir question po. May health invest po ako. Covered po ba nya ang covid?

@@wanderwoman9528 since hindi critical illness ang COVID, covered lang sya if may HOSPITAL INCOME BENEFIT un policy mo, at kapag dumiretso sa SEVERE LUNG DISEASE since un ang nsa list of critical illnesses

@@djdimaliuatofficial salamat po sa reply. Appreciate it

Youre welcome :)

Sir kumuha ako NG vul 5 years ago at 10 years to pay xa. Ngayon ko lng naintindihan mabuti ung vul and Di ko pla tlg need ng life insurance kc wla akong dependents. Ipagpatuloy ko ba xa Sir pra kikita ung investment side nya or Kung icacancel ko xa ngayon, luging lugi ba ako kc 5 years ko n xa bnbyaran? Or Kung tapusin ko ung 10 years tapos ipaterminate ko ung insurance ko, may makukuha pa po ba ako n pera from the capital aside sa investment side nya?

Thank you 🙏🏻

I can help you. Message me at my FB Page facebook.com/djdimaliuatofficial

No worries. Just message me if you have questions or if gusto nyo kumuha uli

I wonder why di ka nireplyan. Lol. VUL are for tamad mag manage ng pera. Separate insurance talga kuhanin mo, life/health. Tas Ikaw mag manage ng investment mo, and you may start sa real estate.

Youre welcome

Thanks

You’re welcome! Best of luck!

Good job!!

May ilan naramdaman ang kita lalo na if magtagal beyond 10yrs un policy. Though maraming disappointed sa VUL

@@djdimaliuatofficial 'yun nga rin po ang napapansin ko. Siguro kasi 'di nila talaga naintindihan kung paano nagpa-function ang VUL or it's their FAs' na na-misinformed sila. Let's face it, meron po kasi talagang FAs na after lang po sa quota or commission kaya siguro 'yung term na "investment" ang ginagawa nilang pampabango when they are endorsing the particular insurance or product. On the other hand, sa "insurance" naman po, wala ka talagang lugi kasi hindi mo naman siguro gugustuhin na may mangyari sa 'yo para lang makapag-claim 'di ba? Kaya po ako kumuha ng VUL, it's like protection at PLUS na lang po siguro kung malaki ang magiging return sa investment. Thanks po, shinare ko po 'to sa mga kaibigan ko hoping na magkaroon din sila ng interes sa mga insurance and also sa iba n'yo pang informative videos. God bless! 👌🏻

@@addd_diii Salamat!

​@@addd_diii want to maximize return of vul, pay your premiums when the market index is cheaper

@@spacewarriors5175 sa akin naman Yung VUL ko na heavy on investment component 26 months lang ako nakapaghulog tapos I need to stop working for three years to take care of my parents and I am really happy na enforced pa rin ang policy ko. I have the option sabi Ng insurance company ko na bayaran Yung fund value na nabawas which is higher than the total premiums na nabayaran ko na or just continue paying my monthly premium. Na appreciate ko talaga ang VUL ko Kasi until now insured pa rin ako. Di Kasi natin alam ang mangyayari like mawalan Ng trabaho or need talaga tumigil Ng trabaho just like in my case.

You're welcome

Thanks

sir for example may vul ako tapos gusto ko na kunin mga 60yrs old ako malaki na din ba makukuha ko amount for retirement...30yrs old po ako ngayon

Malaki lalo na if you pay tuloy tuloy for 30yrs

You're welcome

Ano po mas maganda prulife uk vul o sunlife vul?

No answer?Probably!😊 Phil - Am si Sir DJ. Malamang sa Phil - Am. 😆

Ayaw kong sumagot kasi biased 🤣 And it's not about the product, it's how you design to use it for your goals 😃

I think I have videos about whole life and term na rin :)

You're welcome

Thank you for your feedback Chrison :) Yes we got to save and invest our hard earned money for the future

Thats great!!

Sir Kya po b nmn eh cover un ng interest un charges

What do you mean?

Good benefit naman sya

Yes. Pwede din mag topup lalo na if mbaba ang market

Thanks

Returns in VUL are not guaranteed

Thanks

Thank you

Great! You're welcome

Ok lang naman po basta tuloy tuloy nyong babayaran

Depende sa plan if may No lapse guarantee sila sa first few years.

Meron po AIA All in One yun may Life, Accident, Disability, at Critical Illness. Message me at my FB Page facebook.com/djdimaliuatofficial

Ndi mo maclaim kasi magpalit k ng name

@@djdimaliuatofficial hindi po ba siya puede ipagpatuloy sa ibang bansa na parehong pangalan ng insurance? Kung hindi po paano ko mapapakinabangan bago ako mag migrate?

Magkaiba po yun. Kung same name pwede mo ituloy then insured kapa rin kahit nasa abroad kana

@@djdimaliuatofficial sana maka kuha na lang ako ng cancellation benefits pagka 6 na taon at kung walang claims. Sabi kasi ng bank consultant na representative ng insurance puede raw pero gusto ko makita yung clause na may ganon sa kontrata. At puede ko ba ilagay sa testment ko na gawa ng Special Powerr of Attorney na may kondisyon ako sa mga benepisaryo at piling benepisaryo tulad ng pinsan ko at mga kapatid. Hindi kasi karapat dapat mga ibang immediate family sa mga benefits kung kailangan mag claims.

Pwede nyo naman Po iwithdraw un cash value in case aalis kana if you want

Kung walang hospitalization rider yun VUL mo wala pong makukuhang benefits. Kasi ang plain insurance policy is death benefit lang

Just fill up the form of the company

Yes meron upto age 100. May ganun dn kami

Best way is to add insurance in the future. Tama po kayo na affected tlga ng inflation ang face amount

@@djdimaliuatofficial Thank you!

You're welcome

Hindi po kasama ang pregnancy related ss coverage

Just dont pay the next premium

Request for full withdrawal. Ndi ko makukuha in full

Some VULs ganun po talaga. walang specific na tawag. Depende sa design

Thanks

Mura na un

Yes it's ok. Thats normal po lalo na mababa ang market ngayon. If you continue paying you will be able to catch up while the market is down

Possible po. Kasi marked to market tayo

Nice. It seems you're happy with your VULs :)

Mgkano monthly mo sir sa prulife na 1 million coverage?

magkano monthly mo sa Pru, at ilang years ka magbabayad?

Family Secure un product na mainly focused on life insurance. Malaki multiplier nya so malaki insurance

Is Family secure better than guardian?

@@normanrios2223 If you can afford yes, and if you want to be covered beyond the age of 65.

Per individual lng po tlaga kasi per lifepo tlga ang pagkuha. Need bilihan bawat isa

Ndi ko makukuha in full

Message me at my FB Page facebook.com/djdimaliuatofficial para iguide kita

Because the Philam group is now encouraging green approach meaning no printed papers to save the environment. It is also now included in the fees that are charged to your policy

You will have a PDF file sent to your email and access to your online portal anyway

Sa 1st few years nababawasan ang binayad mo kasi npupunta sa insurance. Pero ndi naman nauubos

Yun Single pay na VUL Kapag mas malaki na un account value mo vs sa original insurance yun na un matatanggap mo

Sir ok naliwanagan na kami. Ipagpatuloy nyo po sana ang pagbibigay ng kaalaman tungkol sa insurance. Salamat ng marami.

Youre welcome

Hindi po ganun eh

john mark alolod sir nakuha mo ba lahat naihulog mo na 100k ? magkano na refund mo

After 10yrs usually bawi pa lang

Depende sa company but usually you visit their customer service center and you need to present your policy number and Valid ID

Ok dn sya pero if iwiwithdraw mo rin sya for college education, you need to buy another one to insured them upto age 100

@@djdimaliuatofficial, thank you sa info Sir, really helps ❤️❤️❤️

You're welcome

Health Insurance ang best. Message me at my FB Page faecbook.com/djdimaliuatofficial

Dapat po at least after 10yrs para walang withdrawal charges

Wala po e

There may be cases that the investment part will not grow. No guarantees for VUL so what you can withdraw will be depending on the current account value less charges if applicable

Message me at my FB Page facebook.com/djdimaliuatofficial

Health invest po ang pwede

Kung may 5 years kang contract

Pwede nyo po ipareinstate if within 2yrs

Ok naman sya basta long term pa

Any life insurance can be used worldwide since it's death claim naman

Anong company? Meron ba kayo sariling portal?

Yes pwede naman yun. Iwan mo lang then claim mo nlng dun once mag retire kana basta alam ng family ko just in case need nila for claims

You have to find a way to pay

Claim you mean in case of death? Or withdrawal?

@@djdimaliuatofficial yes sir

Pag nakuha na death claim wala nang ibang makukuha

Depende po sa diskarte nyo yun

Yes ideally parent ang insured. Message me at my FB Page facebook.com/djdimaliuatofficial

Anu po magandang ikuha sa age 5yrs old at 15yrs old na insurance,

Sir pm’d you sa facebook thank you sir

Thank you sa feedback :)

Depende sa product. Most products are whichever is higher lang May ilan ba + account value sya

Sa VUL yes kung hindi mo iwwidraw

@@djdimaliuatofficial wat f i wiwithdraw ko po after 10 yrs, am i still covered in the insurance?

@@marichikawa2400 If you withdraw in full, hindi na po covered

@@djdimaliuatofficial so ilang percentage lang po ang dapat i withdraw so one can still be covered with insurance?

@@marichikawa2400 Siguro max na ng 50% ng account value mo, para may enough money to pay for the cost of insurance.

Hello, we offer these different types of VUL. Message me at my FB Page facebook.com/djdimaliuatofficial

Ang galing nyo po! :)

Maam, may I ask po. Ano pong top up ung ginawa ninyo? Slmt po maam. Prulife po kase akin

Yearly 5k daw po

Sir if mag top up po ba lumalaki then ba face amount.?.. Possible from 300k to 1M?...

Depende kung magkano topup mo un dn halos nadadagdag sa insurance

Mas ok sya if naaappreciate mo na may life insurance ka

Fixed naman po ang premium ng insurance basta ndi term

Ay ganun po ba pero ang VUL maxilink prime na knuha ko with investment po yun dva??

Yes meron naman

Message me at my FB page facebook.com/djdimaliuatofficial to take the assessment if what's best for you

If you're okay na wife/family member nyo ang magiging owner and insured, then you can get for them. Another way is to buy kahit term insurance jan sa country kung nasaaan ka para covered ka jan. Also you can wait til makauwi kyo ng Pinas. Message me pag andito kana

@@djdimaliuatofficial okay thanks

You can complain but I’m not sure kung mateterminate kaagad. They will investigate po. Sa bank kba bumili?

@@djdimaliuatofficial Sa psbank po imus cavite. Axa axelerator

@@mhinetteshimono6176 I see, I figured na sa bank nga po kayo kumuha, yun po kasi un karamihan narereceive namin na reklamo kapag employee ng bank eh. Kapag po kasi FA katulad namin, wala kami sweldo, commission lang, so we really do our best to service our clients para happy kayo and magrerefer pa kayo

@@djdimaliuatofficial wala po ako talaga choice kung hindi ituloy ang 5 yrs payment ? Sabi after 5 years may 5% surrender charge pa po. 6 yrs onward 0% na po. Ang tanong ko po kailangan ko po ba magbayad up to 6 yrs and after that can I get my 360k ng buo pag mag withdraw na ako?

By the way hindi po kasi ako naka base Sa pinas and complete po ako ng insurance Sa japan kaya Lang po ako bumili dahil Sa word ng FA na “ SAVINGS” . I feel scammed po kasi ng FA ko,

Kapag nawithdraw mo na lahat ng pera mo terminated na rin ang plan mo at hindi kna insured

pano po kung di lahat niwithraw meron pa po natira. covered ka parin po ba? thank u so much po sa response nag aaral pa lang po kasi ako now about vul po.sample po ung sa philamlife ung kinuha na policy ng vul ung retirement+insurance with critical illness

Covered kapa rin pero since maliit na account value mo, mas malaki Ang insurance charges mo. So may possibility na maubos ito dahil sa continuous charges which is fair dahil iniinsure ka ng company

@@djdimaliuatofficial ah ok po sir. question uli sir dba po ung 10yrs na un ay advanced mo na binabayaran for 100yrs insured.why po may charges pa rin po after maturity? gusto ko lang maunderstand ng maiigi po tlga hehe thanks po uli

Ganun po kapag hindi mo winithdraw kasi un account value mo ang nagsusustain ng insurance charges. Pag lumiit ang account value, lumalaki ang insurance charges dahil sa Net Amount at Risk ng company.

Ang hospitalization rider til age 65 covered

Pwede pa po sa age 45 Kung afford nyo un whole life mas ok po na whole life. Mura pa nman yan sa age 45

Thanks DJ, learned alot from watching your videos.

You're welcome

Yes

Yes po

Anong product yun? Bak pwede magwithdraw ng partial pero not in full. Kasi ang VUL pag winithdraw in full masusurender na un policy. Hindi kana insured by then

Sun life po, ung naihulog ko lang po nang 10 years un ung kukuhanin ko? Lets say 22k per year tapos kukuhanin ko po 220k after 10 years? Masusurender po ba un policy nun?

Yes kapag kinuha mo un full account value your policy will be surrendered. You can confirm it with them para sure but That’s what I know

Sir slamat po sa info

Welcome

Sorry wala po akong alam sa life insurance. But plano ko po mag invest sa VUL for my future and retirement.

Usually binibili sila ng bigger insurance companies para masave yun mga policy holders

Salamat po ❤️

You’re welcome

It’s sad na maraming FAs na hindi nila naeexplain maigi or minsan hindi dn naintindihan ni client kaya kelangan tlga ng regular review with their FA

@@djdimaliuatofficial wala siya sinabi sir about Sa mga charges, fund allocation and lifetime payment. Basta Sabi nya Lang savings after 5 yrs makukuha ko na ang pera ko. Hindi nya ako tinanong about Saan ko ilalagay ang stocks ko. Surrender charge hindi ko rin alam. Lately ko Lang nalaman na vul pala ang nakuha ko. Gusto ko sana I stop Kaso mag 2 yrs pa Lang ako this November. I already paid 115k Sa 23 months plus tong November Wala daw ako makukuha kahit singko dahil 100% ang surrender charge. Hindi ba sir ground for termination of contract yung panloloko Sa Akin ng FA ko?

Yung FA ko sir after ako mabentahan wala ng paramdam. Kahit Ano messsage ko deadma.

@@mhinetteshimono6176 Yun po talaga ang mahirap usually pag sa banks (hindi naman po nilalahat), pero employees po sila, pag hindi naka quota, nalilipat or natatanggal na sa knila

@@mhinetteshimono6176 Baka hindi naman po sadyang manloko, pero baka hindi naexplain ng maigi

Paanong amendment? Ano gagawin?

Hi Sir. Increase of Sum Assured. Increase the value benefits (accidental, death, permanent disability, daily hospital income) + additional murder and assault and intensive care unit benefit. The catch is 2 years contestability will be adjusted. Is it okay to amend it?

If that is the benefit that you want ok lng naman. Make sure lang healthy ka

What if im not healthy po? Lalo na ngayon, since pandemic. Should I stick to my VUL plan or not?

Stick to it. Kasi dka na uli makakakuha ng new insurance if you're not healthy

Ok sya basta kaya nyo po bayaran

@@djdimaliuatofficial thank u po sir. ask ko lng dn po mga ilang percentage po ng premium ang napupunta lng sa inv comp. and ilang years bago mag start ung inv tlga. (like in my case 5 yrs to pay lang po) thank you

Iba iba po depende sa product. Pag 5yrs mga 2nd year mejo ramdam na sa investment

me: 10k/annum for 1m coverage

As you pay since year 1, part of that iniinvest na sa stocks

@@djdimaliuatofficial Kung magkano ung hulog ko sa 5 years Yun Lang din po ung sum insured . Iniisip ko Hindi kaya nun I -beat Ang inflation . Kung matapos ko na sir ung 5 yrs dun na sila kukuha sa stock investment ? Ung naaccumulate ko ba sir na shares mababawasan or as it is un at account value ko is depende sa current market value Nung investment ? Sa Chinese tycoon po siya nakainvest ? May potential growth pa po ba un? Or nagmature na ?

Nababawasan po due to cost of insurance every year

@@djdimaliuatofficial so malabo po na lumaki un

@@djdimaliuatofficial magkano po Ang cost Ng insurance every year Malaki po ba Ang deduction?

Use BTID if you are comfortable trading and investing your money on your own

Buy VUL if you want others to manage the fund for you.

@@djdimaliuatofficial may napanood po kasi ako na ibang vlog na much better daw po ang term+mp2 rather than VUL. ano pong comment nyo po dun sir?

Pero may mga nagttrade na bumibili pa rin ng VUL lalo na for critical illness protection and hospitalization

@@djdimaliuatofficial diba po mababa po ang price sa stockmarket ngayon once poba na makarecover napo yung ekonomiya may possible na mataas din po ang return ng equities funds?

It should always depend on the purpose of getting an insurance. Why did you get an insurance for your mom in the 1st place? Is it so that in case of death my mkuha kyong pera to augment some expenses? Is it for health? Its a good thing actually na naapprove sya khit 70y/o na

@@djdimaliuatofficial.. okay nman po sya. may burial plan na din po sya. wala nman po syang critical. illness maliban sa hypertension at old age. hindi ko lang po ma alala ang plan type ng mother ko pero meron pong ganung plan na ino offer sa sunlife. at that time my mom was only 69 y/o kaya po nabigyan pa sya ng plan na un..

I mean yun plan ba may critical illness coverage?

Anyway don't look at the fund value kasi its for protection tlga dapat

@@djdimaliuatofficial.. wala pong critical ilness. plain insurance lng po.

Ang malaki po ang charges is the insurance charges

Message me at my FB Page facebook.com/djdimaliuatofficial

Pwde na po kumuha online

May other videos ako about that

What do you mean? Saan policy?

Sayang naman po yun naibayad na sa VUL. Pero tama po kayo. Dpende po sa plano nyo at ano ang priority today. Kung makakayang meron pareho mas mganda po

@@djdimaliuatofficial un po kc prob, budget.. dumami kc expenses (electric bill (a/c) and internet) since pandemic at wfh na xa kaya nasira allocation sa income nya. Baka me iba po kau maiooffer sa philam. Thank you in advance.

Mgkno po budget annually? Message me at facebook.com/djdimaliuatofficial

Yes pero tuloy pa rin naman benefits nya. Ndi lang pwedeng bumili ng product na un now

@@djdimaliuatofficial I see. I am on my 10th year na sir sa premium niya. For next year, advisable ba i top up ko pa rin? and for how long?

Yes ituloy mo if afford mo naman. If that product is meant for retirement for example. Then pay it til you retire

@@djdimaliuatofficial Thank you so much for replying DJ. At least confident ako ngayon na tama pala decision ko kinuha ko siya 10 years ago. I am now 44. Pang retirement talaga goal ko for Abundance plus. May Money Tree din ako at PSGF. 10 years ago kasi nung nagdecide ako kumuha, yung FA ko diversified yung portfolio ko.

Ayos ituloy nyo lang. pwede kpa mag topup or magdagdag ng plan