The fact na puro mga agent lang yung nagtataggol sa VUL dito sa comments at mga actual clients naman ang nakakarelate sa video says it all. 🙂

If these people discontinue their policies and may nangyari sa kanila, how will your conscience take that? This is not good. VUL is not for wealth accumulation, it is for PROTECTION (both living and death benefits). If your goal is to make money in 5 years, this is not for you.

Thank you po sa video nio. Maganda talaga yung mag research muna bago mag dive.

Thank you po sa Video madami pong naliwagan sa presentation nyo.

Thank you. Sobrang laking tulong neto saken. Kukuha ako dapat ng insurance with vul at buti nlng nadelay

Sino ba ang nakatapos na dito ng VUL? Let them testify para malaman natin.

Buti n lng napanood ko to bago ko kumuha ng VUL. Thanks & happy subscriber here.

One thing I've learned while watching other financial planners like Arki Wealth is that VUL is an Inflation-adjusted financial protection product. This is not entirely an investment. The projection value is not guaranteed because it will be based on the performance of underlying funds where the portion of your premium (investment component) will be allocated to cash fund or money market funds etc. Term Insurance: Advantage is you will have a great health/life coverage for a least amount of premium. You will be paying less but will have a more extensive coverage. Disadvantage is when you are still alive after the insurable age which is 65 yrs old, you cannot reinstate or renew your policy. Therefore, you will not be covered anymore by the policy you paid which is only 65 yrs old.

Anong VUL name na 50K annual tapos 165k lang ang life insurance? Pwede siguro kung masyadong matanda like 50 yrs old or mayroon si client preexisting na sakit factor din kasi un na hindi nai-discuss dito. Personally wala pa akong nakikita o naririnig sa mga insurance company, naalala ko pinakamababang nakuha ko na coverage ay 200k for 24k annual premiums for 10 yrs to pay na design for investment kaya maliit lang ang insurance coverage ko. Hindi nai-discuss na ang term insurance ay tumataas ang kailangan kong bayaran or premiums every year dahil ang premiums ay depended sa edad ng cleint. Bukod dito, sa term insurance kailangan mong magbayd for life hanggat gusto mo ma-cover ka. Madaming VUL na you pay lang for a certain period of time like 10 yrs then cover ka na up to age 100 at premiums mo level lang hindi tumataas. Kaya ang agent nagsasagawa ng interview para malaman ang needs ng client at capacity to pay. Balik din po sa ahente kung sakaling mag-stop ng payment si cleint dahil mali ang financial analysis na ginawa nya. Nasusukat po ito sa tinatwag na persistency rate at pag bagsak ito pwede pong matanggalan ng license ang ahente. So sad about this video.

Thank you this sir. Base on my experience sa BPIPHILAM is the worst decision, now it's to early die make the right decision for my mistake. Mabulaklak mag salita ang mga agent sa totoo lang, syempre di ka papasok na maging agents kung walang kondisyon at wala rin ganitong uri ng money marketing na hindi sila mikita lalot sarili mong pera ung ginagamit nila sa investment at kung ano ano pa. Iba pa din ung totoo sa tao. Kilala la lang ng agent kapag 1 or 3 yrs pero kapag 5 yrs up na halos pinsan didirihan kana. Thats the reality.

Thank you napaka informative 😍 muntik na po akong ma wrong move, thank you po ☺

I have vul from sunlife. I agree that There is a difference when computing about investment. I want to inform you that the vul is just for protection not really for investment but if you are sure not to use this as short term then you can earn through long term. What i like for my vul, it has a critical care. In case na magkasakit ka you are protected. Sa term isurance usually pag namatay ka lang eh paanu pag disablity ang issue mo wla kang makukuha sa term insurance. I aslo actually calculated the investment side . BTID and VUL are also the same. In BTID are sure you have the cash value with interest. In VUL you need to wait until makuha mo yung goal mo depende sa fund value. So depende sayo kung anu ang need mo. Hindi ka maluluginsa vul pag long term. Kaya you need to divesify your investment. Kasi ganun then. For me. I will be paying my vul for 10 years with 3500 premium. So for 10 years ang total contribution ko is 350000 and i am protected for 700k + fund value untill 85 years old. So depende talaga sa goal mo. Sa term renewal kasi kunti lang din ang difference pag nag btid ka. Hindi lang nasabi no sor vince yung another protection na kalakip ng vul kagaya ng critical illness protection. Depende po talaga sa gusto nyo. Sa vul just think na nag time deposit ka kasi you will never know kung magkakasakit ka at magkaroon ng disability.

Always remember pag nag invest ka dapat extra money Yung gagamitin mo at kaya mong antayin until 10 yrs. or more para ma appreciate mo talaga na kumita ang pera mo of course proper monitoring sa policy mo and always seek guidance with your FA.

pinakamadaling maintindihan sa pag explain thank you!

Sir, I have been struggling in planning to manage my money or earnings. But as I watched this video, I got gradually enlightened by how well you explained things. Now, I have a much clearer plan for my little money. God bless you always and stay safe. Keep inspiring and enlightening people lile me who wants to have financial freedom.

Thanks. Sir Vince clear explanation po.

Yes,well explained 👍Thank you so much ❤️

Hi, I came from a family na natulungan ng insurance with VUL. I was wondering lang while watching your video parang unfair naman ito sa part ng mga agent na naghahanap buhay lang at in fact nakakatulong at nag eenlighten, parang mas nag focus ka sa commissions at hindi sa benefits itself na inooffer ng particular policy. Kasi kung ma insure ka at kahit ilang buwan ka palang nakakapag hulog kung ano mangyari sayo makakapag claim ka ng ilang milyon depende sa coverage mo at iba pang core benefits ng policy na kinuha mo (hospitalization, confinement, ma accident/ madisable o biglaang madiagnose ng sakit na malubha) I’m speaking from experience lang kasi this has really helped us. Sobra. Sabog sana ang finances namin kung wala ito. Matagal na kami nag iinvest at marami din akong kamag anak at kakilala ang natulungan din ng insurance walang wala yung libo libo na kikitain ng agent mo sayo compare naman sa make claim mong daang libo o milyon pag ma aksidente ka o madisable ka etc. At notice sa ibang bansa pag na oospital sila ang unang tinatanong pagdating “do you have an insurance?” kung hindi lang corrupt mga opisyal dito normal lang talaga dapat ang maraming policies. I thought lang medyo backwards lang ang pananaw mo sa insurance masyadong nag focus sa commission ng agents may pros and cons din naman talaga pero sobrang nag focus lang sa commission na hindi naman yun ang mission ng mga kumpanya. Ang ginagawa lang naman ng insurance companies is to spread financial literacy at makatulong para di tayo agad dumudukot sa bulsa kung ano man ang mangyari. Thoughts lang.

Pag gusto nyo kumuha ng investment or insurance aralin nyo muna hindi yung narinig nyo lang kung kanikanino.wag kayo papadala sa mga agent ng mga inooffer nila na kesyo ganito kesyo ganun mga inooffer nila.stay on your ground yung inaaral mo yun lang ang kuninmo di yung mga inoofer ng agent.tandaan sila ay mga sales person din gusto nila bentahan ka nila ng mga product na alam nila makakuha sila ng mataas ng commission.yung ibang agent dina man nila concern ang benifit mo benifit lang nila yung commision nila unless siguro close friend mo or relatives mo ang agent.remember “When a person with experience meets a person with money,the person with experience ends up with the money;and the person with money ends up with experience”

Good afternoon po, anong magandang insurance company for term insurance po?

VUL investment part is not guaranteed because it depends on the market. But the purpose of life insurance is to protect the income of the insured 100 %guranteed. Yung commission ng agent is very little compared sa matatangap ng insured anytime may uncertainty.

Sir Vince. ano pong term insurance company ang recommended po ninyo.Salamat po at nalinawan ako s paliwanag ninyo.

Thank you sir Vince sa explanation po

Sir Vince hello good afternoon po just want to say Thank you very much sa mga vlogs ninyo sa na nakita ko utube which is very very clear to understand and teaching us the best financial literacy lalo na para sa masa o mahihirap na tao and based on facts and I have very high respect for your good work bihira ang kagaya ninyo honest and true to the heart. More power to you sir!!

Salamat po sa video na ito. It's help a lot to me.. God bless po..

Thank you for enlighten me👍

Thank u sir Vince.. madami na sa amin ang akala namin naka kuha na ng magandang investment or VUL... Sayang pala ang perang Pinag-hirapan, tapos majority sa company at agent lang pala mapupunta huhu..

Sir vince sobra dami ko natutunan sa inyo. Im.planning to get life insurance this year at naoffer sakin vul at ngayon alam kona. At alam ko na di sya for me at mag benefit ako sa term insurance at BTID. Godbless po and continue what ur doing 😊👏

Thank you for this. Dapat talaga nag research ako talaga before getting VUL 3 years ago

I hv VUL and IM using siR vince approach towards BTID.. IT realy helps on how u diversify ur portfolio

Salamat sir Vince... Naging maliwanag na sa akin VUL

Sir Vince, anong company po may magandang offer nang term insurance? Thank you

And also what form of term insurance are using here? Term 10, 20, 30 what?

May mga nagagalit. Pero totoo din naman yung ibang mga sinabi ni sir about "cons" of VUL. I have VUL kaya relate ako. Wag maniwala sa mga sinasabi lang ng financial advisor. Research kayo on your own, at hingi kayo advise sa mga clients na nakatapos na magbayad VUL. Hirap kasi sa ibang financial advisor hindi naman ineexplain ang "cons" of VUL. Puro "pros" lang sasabihin. Makabenta lang. Swerte yung mga "honest" ang advisor. Yung tipong discuss lahat sa client. Especially yung "worst case scenario" na pwede mangyari sa funds mo sa VUL.

Possible po ba makuha lahat ng current fund value kapag i-surrender ang policy?

Simply put, where do they get the high commissions for agents? Not from thin air but from high premiums. 1) VUL = investor > agent fee > agent company fee > fund manager fee > fund company fee > brokerage fee 2) Direct investment = investor > brokerage fee Which one will you buy? 1) 500ml water for 50 pesos (VUL) 2) 500ml water for 10 pesos (direct investment, FMETF) VUL is for lazy gullible people. Just open a brokerage account and invest your savings in FMETF regularly.

Thank u sir.. plan ko kumuha Ng insurance sana.. pero nagbago na isip ko.. idagdag ko na lng sa MP2 KO...

Salamat sir vince bago ako kumuha napanuod ko to so back out muna ako at mag aaral pa maige ng Term insurance na papasukin ko muntikan nako mapa Oo ng isang agent agad agad

Sir vince tanong ko po,ung BPI PHILAM life assurance corp.ano po masasabi mo dyan

Madami po variables sa mga investment mediums. Each one may pros and cons. Ang maganda po siguro ikalat investment. Diversify ika nga...may point si sir, but ang worst po ay e withdraw ang nahulog nyo na, un po sure loss.

I’m a Financial Advisor (insurance agent) and a stock trader. I practice BTID as personal approach in addressing financial risks. Some figures and analyses presented here are questionable. I have nothing against Mr. Rapisura but he should recheck and revalidate the data presented in this video to have a more authoritative explanation of the issue.

The basis explanation explains well thank you for enlightning us

sir anoong coop po ba ang marerekomenda ninyo po

anung insurance po ang maganda

Thnk you for ur dedication. Im getting ready to cancel my vul this is what i just need to cut my losses and move on nalang.

love it. very well explanation. Sir Vince pa suggest po ng cooperative and insurance company or cooperative na may Insurance.

Anong pont term insurance ng health ang mayrerecomend nyo at nasa magkano po

Ano kayang insurance provider yung gamit sa example?

Don't close your doors yet sa VUL. Both VUL and BTID have adv and disadv. I use BTID strategy,I actually got it from Sir Vince. But then, it doesn't mean all budol so VUL ha. Need lang natin makinig at maging honest sa financial advisers natin. Para ma tailor fit yung plan (vul) na pasok sau. Pag na VUL kayo, intindihan nyo yung plan nyo. How many yrs ang covered ng health/life insurance. Yes fund value may be low on first year/s, then impacting pa yung pandemic, but VULs are long term. Even 100 yrs. Again, don't close your doors yet. Check which one works for you, weigh it yourself each option. .

Yung sun fit & well sa sun life maganda kaya Yun Sir?

Naliwanagan po ako s VUL ..balak ko sana kumuha buti npanood ko itong video nyo..Ano po ang pinakamainam n insurance n pwedeng nyong mairecommend sa katulad ko pong ofw

Ano ung mga coop na pede invest an?

Paano loophole nito sir kung kakakuha ko lng VUL lastmonth?

Thank you sir Vince. You enlightened me, kasi tlgang nag-iisip po ako na isurrender na ung VUL na 3 years 1quarter payment nlng 4th na and ayun nga po. Ang liit lng ng policy isa pa bagsak ang fund value ko. Isurrender ko na po now ung VUL ko. Thanks sir Vince. Keep on sharing po ng mga tips sa pagyaman. God bless po.💕

Totoo po to may video ako Ng BDO Life ko. Fully paid ko na 5 years premium total 253k since 2017. Pero 200k lng sum assured ko. Now If I claim my policy today, half lng makukuha ko plus dividends and cash payout total 168k lng.

Thank you Sir. Ang dami kong natutunan. I have decided to terminate my VUL account. Sana pala nag term insurance nalang ako. 🙁

Hi in fairness sa VUL..i speak based on my experience. Fully paid na ang VUL ko last year 2021, 5 years to pay. Total premium paid 390K. As of ds year 2022 ang Fund Value ko nasa 173K and still increasing because it has an investment side. At the same time i am fully insured for life + with accidental death benefit + enhanced critical illness rider. Since may investment po sya i plan to use it for my retirement kaya matagal ko sya bago iwithdraw. In the long run po di ako lugi :) Actually nakapag withdraw po ako last year nang 70K since nagamit ko sa emergency. Pero meron pa din 100K+ natira sa fund value ko and kikita pa sya :)

saan pwede mag avail ng BTID?

Yung sa akin na prulink exact protector 5 just got completed this month po. Then may fund value na sya na 130k. Ang advised ng FA ko kuha ako ng bago with critical illness mga 1,500 lang daw per month. Anu po g mangyayari dun sa exact protecter 5 ko. Tuloy tuloy lang po ba yun o hindi na? Salamat po sa sasagot.

Thanks Vincesa video na to.

Hello po Sir magkano po yong available nyo po sa insurance sir sa mga Driver po ang work tnx po

😭 thank u po,nabudol ako ng agent..i will pull out my VUL. usually ang mga nkakakuha po ng VUL yun ung mga di tlga naintindihan ang lahat about dun sa kinuha na insurance,tulad ko 😭😭😭 panu pinapakita kita ung kita lang daw kuno.

How about Philamlife insurance wth investmant pangit din po ba.maubos po kaya account value.

Hello po ask ko lang po, Sa BTID po ba is covered until age 80? Since term insurance po sya let say matapos ang term insurance ko eg. After 20 years what will happen to my savings, and macocover prin ba ako pag nagrenew ako pag 65yo na ako. May coverage din po ba yan na Critical Illness benefits, accidental, total permanent disability?,at meron po bang benefits yan na si insurance company ang magtutuloy sa savings mo if incase u struck by total permanent disability.? Thanks for the answer.

Interesado po ako sa coop. Anong klase ng coop po ang maganda

Just decided to quit my VUL. I started when i was 27 y.o. and already paid premiums of 81k or 2 years and a quarter. Then ng nagcheck ako the recent day ng fund value, its just 3900 plus. Hahaha. I was so disappointed because sabi sa guide dapat may value sya na at least 18,000. Hahaha. So disappointing.

How I wish I knew these information 7years ago. my VUL policy was already 7years. Any advice?

Ganyan nga din po sakin nasa 5000 plus Lang yung current fund value ko naka one year na ko ok Lang po kaya yun Di na maghulog at Di paalam sa sunlife advisor ko ?

Sino ang nagbbgay ng term insurance? What company po?

Walang limit sa paglagay ng pera sa coop?

What’s misleading about this, is that he’s comparing VUL with typical investment scheme. At the end of the day it’s a life insurance. Back in the day, any premium you paid is expensed. Because you’re buying an pure insurance (i.e. your beneficiary could get something in case something happened to you). Ang hindi maintindihan ng iba, iniisip nila pure investment sya, so iniisip nila yung binabayad nila lahat yun pupunta sa investment. Kung ganun pala gusto nyo, hwag na kayo sa VUL. Dun kayo sa pure investment like fund, mp2, stocks, etf, etc. tapos kuha kayo traditional life insurance.at least wala ka sisisihin na nabudol ka

Sir. Good morning i'm planning to withdraw my VUL. 4years na po ito. Semi annual payment. 48k annual. Dapat 190k ang pera but nakapasok sa investment 152k as of now. Sinasabi sa akin lugi daw ako kung kukunin ko agad. But nakita ko po videos nyo. "Cut the losses" lalo na down market now. Hindi na mahahabol. 71k lang po ma-withdraw. Your video po helps me to decide.

Saan ka nag iisa invest na coop sir?

how to get term insurance po. thanks

Very informative 🙏 Saan po kukuha ng term insurance?

Thank you talaga sir dahil napanuod k ang vlog nyo ino operan ksi ako ng sun life agent ng VUL

how about the single pay VUL?

Sir may policy ako magmamature sya next month 336k lahat binayad ko 7yrs tpos may fund value 192k pwde ko mawithdraw lahat yan?

Anu kaua mahanda gawin mahstop na.lang ba.naka 31 months na din ako 90k na din nahulog ko sa VUL na yan.

Sir Vince, if we got ine. Fully paid in 5 years na. From P259k premium paynents at amounting na lang daw by now to P180k. Wgat do u advise for my situatikn? Hooing for ur response please...

may timesstamps po ba para sa 5 reasons

sir vince gud evening po ask lang po ako ,regarding po sa bdo life insurance ko, isa po ako ofw na nakapaghulog lng ng 2 yrs at naistop po yun dhil inabutan po akong ng lockdown nung 2020 during my vacation at dkona nacontinue ung hulog ko,,for 8 yrs terms of payment ..papano ung naihulog ko makukuha kopa po ba yun?

Thank you Sir for this enlightendment. Kaya pla ganun yung VUL ko.

sir vince what can you advice or explain to us about VUL na BDO Life.. Salamat po.

Sir may tanong po ako, about nmn sa educational plan ng anak ko, nag babayad akp quarterly ng 13000 , parang malaki din napupunta sa premium, ano po maganda alternative, thank you Godbless po, sana talaga mabasa mo po ito at makapag response ka.

sir gusto ko po mag join diyan sa term insurance ninyo

Sa VUL until 3rd year lang may kaltas yung premium mo for example sa akin is 50k sa 1st year less 50% then 2nd yr is 40% then 3rd yr is 30% less then from 4th to 15th yr buo na pnapasok sa investment yung premium ko. Tingin ko wala nman mali dun kasi may fund manager naman si VUL and ang maganda pa pwede ka mag top up sa premium mo is gusto tlga ng long term investment

Sir vince anu magandang gawin kapag may existing vul na? Sana mapansin po ninyu.tnx so much❤

Sir me itatanong lang po sana ako pls,regarding sa investment ko,ma.lean di sumasagot po.pls

Sir how about FWD health insurance?

Tama po ito.

Sir, naka 16months napo ako sa VUL pero itutuloy ko paba? sa tingin ko namulat po ako sa inyo parang ititigil ko na salamat po sa paunawa

Sir same lang po ba to sa bdo life?

Hi po sir ask ko lng san po kya mkk kuha ng term insurance Kc nsa 60k binabayaran ko ng vul

Nalinawan ako sir vince..ang tanong ko lang po ay maari ko bang ilipat ang VUL ko sa TERM INSURANCE

Please answer me, what what's the year term for the term used in the comparison?? You need to disclose that, remember you can not out live a permanent insurance.

Sir Vince , after watching your vlog with Ogie Diaz. This morning inaway ko yng FA ng Allianz PNB.

Ano po bang coop Ang marerecommend nyo sir vince

Mp2 po ba un ung sa pag ibig?

So true. Mine has been for 10 years but it’s always a loss.