Commissions are the bread and butter of an advisor. They are not compensated nor being paid by the client for their professional service (they are licensed) unlike doctors and lawyers. They are also not paid for after sales services. I think at the end of the day, the question would be, did the advisor help you reach your goal? Were they able to educate you on how to protect your finances? Communicate with the advisor more rather than focusing on their income. Or if you want, you can be an advisor yourself to experience this income. Makes sense right?
Di nyo alam ang term insurance tapon lang yan pag di mo nagamit, kasi protection lang talaga sya. While yung VUL both may protection kana, may ipon kapa dahil nakainvest yan sa stock market, if hindi mo naman nagamit yung insurance, pwede mo naman iwidraw lahat ng fund value mo if ayaw mo na talaga ng insurance or protection. So walang tapon sa VUL.
To FAs.. pls offer a somewhat btid to ur clients..term insurance then maybe a separate investment plan? Not sure if insurance companies have pure investments only like a mutual fund (for thise whi di not want to go straight to the market or find mp2 too low as a return).. this is a win-win kase ji help nyo rin ung client nyo maka save.. but ofcourse if ang isip lang ng FA is purely his/her commission, understnadable na VUL lang iooffer nila..
Now i know, kaya pala parang walang paki yung agent ko sa akin. Pagkatapos nya makuha ang commission nya on 1st year, barya na lang makukuha nya sa akin, lalo pa ngayon 2024 ang ika-5yrs ko. I've been paying my VUL since 2019 up to 2022 with monthly premium of 10k per month. Makapagrequest na palitan ang agent ko
Thru yan sit vic nag availed ako Kaiser 3 in 1 tapos imagine magbayad ako almost 27k .. d naman na inform ako na within 2yrs mag lapsed na sia. Ang explaination sakin agent pag na stop ako pwde nandun lang money tapos continue ko addtl yrs lang dagdag ko.. gusto ko continue Sabi ko sa agent ko if d ko marefund . Pero Sabi forfeited na daw .tapos Sabi avail nlang ako ibang benefit ..hayss lyf sayang money ko pinaghirapan ko as ofw..
Do not decide based on what this person is saying. Go to your FA, or if FA is no longer active, go to the insurance company where you got vul, and request for to have a new FA and ask for a policy review. FA should be able to help you. Dehado ka for sure if you are going to surrender your VUL plan just because of this person.
Don't, sayang ng life mo insurance plus the riders. Yung can still withdraw the investment and lalake po yan in time. Di porke may commission na malaki si FA e luge kana. Pero depende yan sa VUL mo. Mine is only 10yrs to pay. And ang importante insured ka.
Sir na confined po ako now..gusto ko sana maavail ang sickness ng sss...ano po mga kailangan na requirements...na aksidente kasi ako sa motor last Friday
Hindi advise ginagawa mo! Paninira yang ginagawa mo sameng mag agents. Kaya hindi umaasenso ang karamihang katulad mo dahil imbes magsumikap ang isang tulad mo, maninira nalang. Bakit di nalang magsumikap ng wlang inaapakang tao?
@@imeeclairelegal5841 Wow ako pa ang mangmang. Kung tunay na financial freedom ang hangad ng mga agents para sa kanilang kliyente eh dapat better investments ang ioffer nila. Sobrang baba ng returns ng VUL at marami pa itong hidden fees na hindi didiretso sa investment component ng mga clients like processing fees, management fees, etc. At ang insurance component naman ng VULs ay walang wala kumpara sa insurance na ibibigay ng Term Insurance. Diversified investment portfolio + Term insurance is obviously better than VULs. Wag mo akong atakihin personally at matuto kang magprisenta ng better arguments.
Commissions are the bread and butter of an advisor. They are not compensated nor being paid by the client for their professional service (they are licensed) unlike doctors and lawyers. They are also not paid for after sales services. I think at the end of the day, the question would be, did the advisor help you reach your goal? Were they able to educate you on how to protect your finances? Communicate with the advisor more rather than focusing on their income. Or if you want, you can be an advisor yourself to experience this income. Makes sense right?
Tama
How to be agent po
Please reply Thank you.
Buy Term Invest the Difference is the Key :) The more I appreciate my Term Insurace with PDF.
Bawal po ba kumita ng ganun kalaki?
Filipino toxic mentality slash crab si sir Vince hohoho. Ayaw may kinikita ang mga agents.
Sir maganda ba magvapply sa prulufe uk
I'm looking for life agents in the Philippines to build a partnership.
Di nyo alam ang term insurance tapon lang yan pag di mo nagamit, kasi protection lang talaga sya. While yung VUL both may protection kana, may ipon kapa dahil nakainvest yan sa stock market, if hindi mo naman nagamit yung insurance, pwede mo naman iwidraw lahat ng fund value mo if ayaw mo na talaga ng insurance or protection. So walang tapon sa VUL.
30 minutes lang inupuan to ng financial advisor kaya ganto mindset.
I correct you sir, hindi nmn 50%. 45% on a first year 😊commission n agent hihi
To FAs.. pls offer a somewhat btid to ur clients..term insurance then maybe a separate investment plan? Not sure if insurance companies have pure investments only like a mutual fund (for thise whi di not want to go straight to the market or find mp2 too low as a return).. this is a win-win kase ji help nyo rin ung client nyo maka save.. but ofcourse if ang isip lang ng FA is purely his/her commission, understnadable na VUL lang iooffer nila..
Now i know, kaya pala parang walang paki yung agent ko sa akin. Pagkatapos nya makuha ang commission nya on 1st year, barya na lang makukuha nya sa akin, lalo pa ngayon 2024 ang ika-5yrs ko. I've been paying my VUL since 2019 up to 2022 with monthly premium of 10k per month. Makapagrequest na palitan ang agent ko
"mataas" man commission ng FA lifetime naman po ang service nito. And wag naman po lahatan lahat ng FA. 😊 Wag po OA sir.
Hehe oa nga..
sir ano kaya suggestion nyo na insurance pra po maiwasan ito hehe syang rin ksi po
Galit na galit sa vul akala mo nilalamangan ii🤣🤣
Sir hmo po ba na my investment, consider as vul?
Yes meron po nun. We offer that kind of plan.
Thru yan sit vic nag availed ako Kaiser 3 in 1 tapos imagine magbayad ako almost 27k .. d naman na inform ako na within 2yrs mag lapsed na sia. Ang explaination sakin agent pag na stop ako pwde nandun lang money tapos continue ko addtl yrs lang dagdag ko.. gusto ko continue Sabi ko sa agent ko if d ko marefund . Pero Sabi forfeited na daw .tapos Sabi avail nlang ako ibang benefit ..hayss lyf sayang money ko pinaghirapan ko as ofw..
Di po pala kayo nagbayad tapos lumagpas ng 2 years?
Sure ka? Nag ahente ka ba? Lol kaya madaming mang mang sa pinas dahil sa gaya mo
Against din ako, BIAS ka naman e. Maling impormasyon binibigay nyo sa mga tao e. Unsubscribe na nga ko. :)
This is so great! Pero Sir Vince, ok pa po ba na im on my fifth year na sa VUL, at i end ko na lang to? Salamat po.
Do not decide based on what this person is saying. Go to your FA, or if FA is no longer active, go to the insurance company where you got vul, and request for to have a new FA and ask for a policy review. FA should be able to help you. Dehado ka for sure if you are going to surrender your VUL plan just because of this person.
End it Mike and invest elsewhere. The fund management charge of 3 to 5% is robbery in broad day light.
Don't, sayang ng life mo insurance plus the riders. Yung can still withdraw the investment and lalake po yan in time. Di porke may commission na malaki si FA e luge kana. Pero depende yan sa VUL mo. Mine is only 10yrs to pay. And ang importante insured ka.
Sir na confined po ako now..gusto ko sana maavail ang sickness ng sss...ano po mga kailangan na requirements...na aksidente kasi ako sa motor last Friday
vincerapisura.com/magkano-ang-makukuhang-sickness-benefit-mula-sa-sss/
insurance
Luh 😆😆😆 bumagsak ka ba exam? Kaya pla pati commission di mo alam🤫
Sino po kausap niyo?
Sana po may video ka sir ka about money market. Maganda kasi daw lagyan ng emergency fund, pwed kasi daw ma withdraw anytime u want, tama po ba?
Hindi advise ginagawa mo! Paninira yang ginagawa mo sameng mag agents. Kaya hindi umaasenso ang karamihang katulad mo dahil imbes magsumikap ang isang tulad mo, maninira nalang. Bakit di nalang magsumikap ng wlang inaapakang tao?
Gusto ko mag uply sir.
Sir my email, message po ako messeger sau pls pa sagot naman po..thanks
Ang daming umiiyak na VUL agents sa comment section. Buti nga sainyo mga scammer hahaha
Kayo po ang may kasalanan kung bakit madaming hindi insured na Filipinos. Grabe mindset.
Hahah isa nanaman pong mangmang ang naniwala. .
Yung pinaniniwalaan nyo sir , aspiring FA yan, tapos di nakapasa 😆😆😆
@@imeeclairelegal5841 Wow ako pa ang mangmang. Kung tunay na financial freedom ang hangad ng mga agents para sa kanilang kliyente eh dapat better investments ang ioffer nila. Sobrang baba ng returns ng VUL at marami pa itong hidden fees na hindi didiretso sa investment component ng mga clients like processing fees, management fees, etc.
At ang insurance component naman ng VULs ay walang wala kumpara sa insurance na ibibigay ng Term Insurance. Diversified investment portfolio + Term insurance is obviously better than VULs. Wag mo akong atakihin personally at matuto kang magprisenta ng better arguments.