wow.. good on you mate.. buti 19 yrs old ka pa lang alam mo na ung importance ng insurance.. i bought mine few years back.. para sa retirement and emergency. d natin maasahan ang SSS sa pension (although good to have naman), mgkano lng kasi maibibigay nyan monthly.. at least pag commercil insurance talaga, may possibility na x5 o x10 pa makukuha mo monthly.. on top na protected ka pa, you have your retirement planned out na..
Life insurance is an income replacement. U don’t depend on your child for income so we don’t need to get insurance for them. What happens if you pass away? U left them with premiums to pay, not security. Invest the premium that your paying for your child’s insurance instead to an investments that are compounding in interest. You’ll accumulate more wealth than paying his premium
Matagal na nag eexist mga insurance peru dami Pilipino hindi pa rin aware dito pati sa benefits nito. Ako din etong pandemic lang nagka interest dito. This is actually very helpful.
I was also skeptical nung una about insurance, but really found the value of it - and now I wished I started earlier! Now I am a proud FINANCIAL ADVISOR with Sun Life!
Sir Eric, need advise po. Hindi ko po nahulugan ng tama ang sun maxilink prime ko. Tapos na po ang 10 yrs. Na Term. Ano po dpat kong gwin kc pababa ng pababa ang fund value because of premium charges. At yung maturity date nya po, death benefits lng po ba yun?
7k a month insurance ko pero d ko pinagsisisihan na kumuha ako kc inusred kna my investment kpa isipin mo nlng. Nag iipon k sa banko pero dto malaki ang tubo nka insured kpa proud PRU life uk member .
Proud OFW here..got my first insurance way back 2005 when I was still single..And now being married with one child, 80% of our monthly income goes to our insurances, my child's college educational plan & investments. Through hard work, perseverance & determination you can have all these things & with the guidance of our Lord Jesus Christ. Also, I'm thankful to my mom, my no. 1 financial advisor who taught me on how to save my hard earned money 😊
Hi Ma'am permission to post this po. Just want to share the peace of mind you have to others. To help other families to be secured also :) Thank you so much
I’m 24 yrs old have 2 VUL. I purchased my first policy when I was 19, and the 2nd one when I was 23. sana madagdagan ko pa. sayang ang time at mas mura habang bata pa. Peace of mind tama ka dun Mr. Chinkee. 🤟🏻👍🏻
Hi Ma'am permission to post this po. Just want to share the peace of mind you have to others. To help other families to be secured also :) Thank you so much
Proud financial advisor of Pru Life UK here. Thank you sir for this some additional tips.. Lagi kong snsbi sa client na Life insurance is not all about death..
I'm a financial advisor of Pru Life UK.. Thank you sir! Your video is an eye opener for our kababayan. It's one of our goals as Financial Advisors to enlighten how important life insurance is.
I'm a financial advisor. I became one because I realize that more filipinos should have insurance. Lalong naghihirap ang mga Filipino due to unplanned incidents. Kaya magandang prepared tayo for all possibilities. 😊
Ang hirap kc sa pinoy (tbh) Mas mag iinvest pa cla sa scam. Pyramid at easy money. My mom starts investing for like st peter insurance and forest lake insurance cost us about 1200 per month like it was 1% of their income for the whole month but since my mom like introducing it to others, theyre like, (so ano mamamatay kana? Nagreready ka na ata? Etc.) But she was a real confident woman and leave them laughing their shit out. ( Btw sa st peter matatapos na syang magbyad and shes planning to not withdraw the said amount she will earn but to invest for another land in forest lake) so yeah i hope every filipinos want to end living in shitposting and trashtalking humans
Depende sa Insurance make sure right Insurance Company. Yes mayron kme Insurance ng anak ko and my husband. Dito sa Singapore secured kame. But be smart. Pagdating sa Insurance. Thanks sa Tips po.
Thank God! I made the right decision. After I graduated I had my first job right away and instead of buying something sa first salary ko, I decided to get a life insurance policy(not really big). I didn’t get a high paying job that time as it’s my first job but I just felt that hindi na ako responsibilidad nang parents ko pag may mang yari sakin after graduating college. Iniisip ko nalang na if I get a better paying job dagdagan ko nalang mga insurance ko in the future (atleast naka start na ako)and true enough everything happened as planned sa awa ni God. hindi ko rin alam bat naisip ko yun nung time na yun but I’m really thankful🙏🙏🙏
@@nlzjyy hello po good evening. I'm an FA po, may ng assist na po ba sa inyo? How can I reach you po to discuss further about the life insurance. You can reach my messenger po Ruz Lee. Thanks po.
Same here din po. Since 2nd year college, nag start ako ng insurance. Kayang kaya lamg cya ng 70 pesos per week. Kaya hindi na na ako mag alala na magiging responsibility na ako ng parents ko.
Thank you Manulife naka withdraw ako bago mag lockdown mas malaki pa sa Long service na hinihintay kong makuha na wala namang kasiguradohan. Pag mag bakasyon ako e process ko ang critical illness.Salamat sa financial Advisor ko.
Knowledge is power. You must know what you are doing. Nakakalungkot yung iba iniisip gastos lang ang insurance without looking its benefits. Life Insurance is here to protect your money from unforeseen events.. mahirap magkasakit mauubos ang pinaghirapan mong pera.
Hi Ma'am permission to post this po. Just want to share the peace of mind you have to others. To help other families to be secured also :) Thank you so much
I'm 21 yrs old and kumuha nako ng life insurance the earlier the better sana tuloy tuloy. Also a breadwinner atleast may maiiwan ako sa family ko for them to secure.
@jp b mas mura ang premium mo po kung bata ka magssimula kasi wla kang hinahabol na years to pay. Kumbaga kung 45 kana tas 15yrs to pay life insurance mo, 60 kana nun.. pa retire kana. Kaya nlalakihan agad pra mahabol mo ung dpat na makuha mo if early ka nagstart. Ganon lang po.
I am also a breadwinner, I really have no regret when i decided to get a life insurance for my mother and myself when i was 24 years old and i already paid them when I turned 29. It's easy for me to pay it because I was single that time. So habang bata kapa you should work hard and earn for your future para pagtanda mo or pag nagkafamily Ka hindi ka mangangamba sa kinabukasan mo at ng pamilya mo kahit anong mangyari sayo. The best investment!👍
Hi Ma'am permission to post this po. Just want to share the peace of mind you have to others. To help other families to be secured also :) Thank you so much
Thank you Chinkee , sana maintindihan ng mga kababayan natin, isa po akong insurance agent at OFW marami na akong nakikita kung paano nawala ang perang pinag ipunan dahil nagkasakit o nag karoon ng cancer at nawalan ng trabaho.
Year 2013 when I was in 4th year college in PUP naging guest Financial Advisor po namin kayo. Dami ko natutunan kaya the following year nung maregular ako sa 1st job ko kumuha agad ako ng insurance. After 5 years, at 27 y/o tapos ko na sya hulugan. 😊 Thankyou Sir!
@Hilda Flores i strongly suggest for financial review ng coverage nyo I can help to assist you Just in case you can Send direct message in my messenger Carmy Malabiga ...stay safe God bless
I'm not against to you guiz, Why?kung gusto mag invest it's up to you but Kase oo gusto ko umasenso yumaman, Be contented nalang lalo kung Nabubuhay ka ng simple NMN, Sakto LNG,kase kahit pa mgpakasubsub ka sa investment,kung dimo na eenjoy buhay mo kakaisip nyan,life is to short,... Sa huli sandali ng buhay mo, Ang pinaka the best... 1,masasabi mo ng enjoy ka sa binigay ni god na buhay 2.naging worthy kana NMN kahit paano Pera kotse,bahay wala na yn kung inubos mo oras mo kakaisip ng yumaman lugi kna,, Ang buhay kase di naman nagma-matter kung mayaman ka o hindi Kase lahat tayo mamatay Enjoy mo life mo,maging masaya ka contented worthy ,don plang panalo kama bakit ko nasabi yan May pera kmi pero depress di na enjoy buhay broken family away away bawat isa,anong halaga ng pera pg ganito ,
Insurance is not for you but for the people na iiwan mo pag namatay ka na. Magastos magpalibing at mag asikaso ng kung ano pa man. San kukuha ng pera kung walang ipon? Nag iipon na ka para sa panahong mawala ka man sa mundo, may maiiwan kang pera para sa mauulila mo. Kung ikaw lang ang bread winner, ano na mangyayari sa pamilya mo? Kaya siya insurance para "sure" ka na kahit papaano, may pera ang mga beneficiaries mo.
In getting a life insurance and/or with investment, you need to undergo Financial Planning session with your trusted Financial Advisor. Hindi sya "one size fits all", hindi sya yung kung ano ang insurance ng family, friends and kakilala mo e ganun din ang sayo. Iba iba tayo ng needs and at the same time need na aligned ang needs + goals sa insurance + investment na iaavail natin.
Kaka kuha ko lang ng VUL from AXA 25 years old palang ako pero sna nagstart na ko dati pa. Sobrang daming advantages basta skilled at knowledgeable ka.
I am a 23 year old female and for the past months, I have been binge watching Mr. Chinkee's videos. It really helped me broaden my perspective and thoughts on money matters. Thank you Mr. Tan 💖
hi Elaine! This is Karen Anne. I'm a licensed financial consultant from PRULife UK. Should you need someone to talk to about life insurance, let me know! We can discuss your needs and goals virtually. 😊💯 stay safe!
Thanks God, kasi nainform agad ako about life insurance at age of 18. I was a college student at the same time a service crew pero pinasok ko kasi very important sya para sakin, sa family at sa Future ko. Thank you for enlighten me in this video. Godbless. 😇
Hi Sir permission to post this po. Just want to share the peace of mind you have to others. To help other families to be secured also :) Thank you so much
Thanks for this video. It's a big help for a financial advisor like me. As a financial advisor, I have experienced numerous rejections that I almost gave up. But thinking of the nobility of my job, I have decided to continue my career as a financial advisor.
I’m 25 years old and already have 2 insurances at Sunlife and 1 at BPI-philam life. I’ve been registered since the 2018, only 22 yrs old that time. I’ve been targeting to be financially stable at my 30’s. So eager to learn more about investment. Thank you for this video.
@@jesselbalayoong2561 may plan po kasi kami na tuloy tuloy ung hulog mo pero meron din naman po na 10 years lang pero insurance coverage is until age 100
FA here from Pru Life UK! I got my first insurance when I was in 2nd year college. I started with a low premium, una masakit sa bulsa pero ngayon I look at it as a priority na. Ang ganda nitong video for every filipino's awareness!
@@yannieee05 hi Ariane! Depende siya kung anong amount ang comfortable ka itabi for your policy para you can do it consistently. Imagine, you have both pockets. You are just saving on the left pocket. Kurot ka lang konti, lipat mo sa right pocket mo. That will be your insurance policy. :)
Got my policy with SunLife back in 2019 and mag to-two years na ako. Bilis ng panahon. Despite the fact na parang gusto ko ng itigil yung insurance ko kasi nakakapagod din yung bayarin, one thing that keeps me going is to have that “peace of mind” kumbaga. I know for sure that I am going to reap what I have sown. 😊
Well said! I'm a licensed financial advisor of AXA Philippines. Wifey and I got life insurance to help protect our health. We're covered should a minor or major critical could stricken us.
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I am working in insurance line and it's eye opening to me na how important to have our personal insurance. We should stop the mentality na we don't need or don't trust the insurance as they are just making money from us... It's not true! Especially now, life is indeed difficult and the medical costs are extremely expensive... Be wise mga kababayan. And the more you delay the purchase the insurance, the more the insurance becomes more expensive. Because they will be based on the age and medical conditions.
"Bakit ang kotse may insurance, ako wala" Ito un dahilan kaya kumuha ako ng insurance and I'm glad 2 n insurance ko. Sunlife & Prulife ang purpose ko rin is for retirement.
I also got my VUL when i was 23. I was truly eager to have one after hearing so many of your live talks and seminars and other famous financial vloggers . It does give you a peace of mind and of accomplishment.
@@kidawie6417 correct. I will agree with you and already aware of the high risk . my FA was kind to me and explained the necessary pros and cons for it before i even got it. Pero nag go parin. Haha let us see over time. .
I have always been a believer of preparing for the future of my family. I have only 1 child, kaya since baby pa sya kinuhanan na namin sya ng highschool and college plan. After she graduated, I got her a life insurance plan VUL regular pay, parang graduation gift at pamana all-in-one na din kasi wala naman kaming malaking pera na maibibigay sa kanya when the time comes na gusto na din nya magka family. Ako ang nagbabayad ng premium kasi tapos naman na gastusin namin sa pag aaral nya, although may work na sya ngayon I make sure na alam nya importance ng savings and investing. I will continue to pay for it as long as I'm working, by the time mag retire cguro ako she will be 35 then and sa projection nasa million na cash surender value nya hopefully😀
Hi Ma'am permission to post this po. Just want to share the peace of mind you have to others. To help other families to be secured also :) Thank you so much
Thank you sir I'm just 20 and now planning to invest to 2in1 investment company but because of this video I'm planning to invest this end of September.
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just got my policy from Pru Life UK, sana pala dati ko pa ginawa, ngayon ko lang kasi naintindihan ang importance, kaya I tried my luck to be a Financial advisor para maintindihan ko how life insurance works, Thanks God I'm a proud licensed Financial Advisor of Pru Life UK here
I've been planning to get an insurance, but I don't have enough knowledge about it yet. To the experts, please let me know what's the best insurance for retirement plan, investment, and the one could help me financially if something happens to my family? Thank you! Hoping that someone can give me further information here before getting an insurance. 💜
Yes true I'm part of that as Financial Planner maganda tlga sa Isang pamilya security kung my life Insurance ka mas maganda!!salamat Po sa pg share Ng video☺️
Thanks for this sir Chinkee! Got 3 VUL policies. 1 for my retirement, got it when I was 25yo and 2 for investment focused. Hindi na ako mastress mag manage ng investments, bahala na fund manager since sila naman expert dun. Need to work hard while marami pang energy 😊 😊
Nakakaproud magkaroon ng insurance. 2011 kumuha ako ng life insurance. Eto last quarter ko na this year. Ambilis ng 10years! So happy protected na ko for my future.
@@philipnobleza7031 hi. sa experience ko. papipilian k nila, 10 years or 5 years n haba n term. kung ano applicable sayo may monthly, quarterly, 6 months and annual. pwede rin magtop up, d q lam if tama spelling. 😁💙
Maliit lang po sweldo ko pero ng dahil sainyo na budol ako na kumuha ng insurance na kaya lang ng sweldo ko 😂 Hahaha Pero totoo thank you po sa contents nyo. Nag start na po ako kumuha ng insurance and invest ng konti dahil sainyo.
The reason why I'm a believer of insurance is because of nangyari sa amin nung 2016. Namatayan po kami and fortunately, may life insurance policy po yung papa namin. Kaya napagpatuloy yung pag-aaral naming magkakapatid. Unfortunately, karamihan sa mga kakilala ko ay di pa kumukuha ng sarili nilang policy
sorry to hear that. pero glad to know you're aware sa life insurance. Just continue to spread the legacy po.. marami ang mali tingin sa insurance without knowing this will benefit their whole Family. God bless po!
Hi Kris permission to post this po. Just want to share the peace of mind you have to others. To help other families to be secured also :) Thank you so much
Have my life insurance from AXA.😇 Want to have my own investment as well. In end, mapapakinabangan mo rin naman talaga. It's either you or your family ang makikinabang.
Actually, dati ganto din mindset ko. Kasi bata pa ko, di naman ako mayaman, maliit lang sahod ko since nagsisimula pa lang ako and feeling ko mahal sya. So lahat ng nagooffer nirereject ko hanggang sa one time may kakilala ako na financial advisor na nakapagbigay ng claim sa family nung client nya. Dun na ko naniwala. Amazing yung protection na nabibigay nya sa family. Kaya kumuha na din ako, habang bata pa mas mura pa.
Hi Ma'am permission to post this po. Just want to share the peace of mind you have to others. To help other families to be secured also :) Thank you so much
I started in 2013 (Prulife UK), P1M life + 500k Critical Illness + VUL, 10 years to pay 2014 (Manulife) 300k life + VUL (No critical illness), 10 years to pay 2018 (Manulife) 600k life + 300k Critical Illness + VUL, 5 years to pay 2019 (Troo) 600k life + 300k Critical Illness + VUL, 3 years to pay 2019 (Troo) 1M Critical Illness only, 10 years to pay 2020 (Manulife) 500k life + Guaranteed Amount Yearly after maturity, 5 years to pay Yung mga VUL kukunin ko kapag 50, 55, 60 at 65 years old na ako (tapos may guaranteed amount pa doon sa huli). Ngayon kasing tumatanda na ako (Im now 37), I shifted to more critical illness coverage and guaranteed amounts na po, kasi hindi na masyadong malaki ang tubo ng VUL ko kasi nga medyo matanda na ako. Nagsimula ako dati noong 29 pa lang ako, kung alam ko lang, sana mas maaga akong kumuha. My advice is, get an insurance when you are young (20-21 years old), so by the time you are already ready to start your family, you have already paid for it in full (depende kung 3 or 5 or 10 years to pay), and you can withdraw your VUL when you need it.
@@christiandelapena8623 bakit worst po? (Honest question) Kasi po, alam ko namang mababa ang ekonomiya ngayon kaya bagsak po lahat ng VUL. Pero optimistic naman po akong makakabawi rin po.
@@yla4573 Maam, para sa early 20s meron pong mga insurance company na around 1500 per month lang po, payable in 10 years. You can start there, and if the time comes na may extra pang pera, pwede pong kumuha ng isa pa (3 or 5 or 7 or 10 years to pay) or top-up (one-time payment na magdadagdag ng fund sa investment mo po).
@@yla4573 You can talk to some financial advisers, sabihin nyo po kung ano yung budget ninyo, pati inclusions/riders na gusto ninyo: gusto nyo po ba may accident insurance? may critical illness? may hospital allowance? may disability waiver? (Sorry hindi po ako insurance agent kaya kayo na po ang bahala maghanap ng agent --> I personally like Manulife)
I'm so happy and thankful dahil isa akong planholder at insured ako and also my love one's kaya stress free at no need malubog sa utang. At the same time sobrang gandang pang additional pang encourage to sa mga ayaw maniwala sa about sa life insurance kaya as a sales agent din ng life insurance sobrang useful nitong video na ito.
START YOUNG. usually pag mas bata mas mababa premium. Annual paying works for me. Di ko mamamayan tapos kna pala nagbayad. Then upon maturity. Invest mo para tumubo pa
hi Mom in Oman! This is Karen Anne. I'm a licensed financial consultant. Should you need someone to talk to about life insurance, let me know! We can discuss your needs and goals virtually. 😊💯 stay safe!
i just recently decided to get a life insurance.. not for me but for my brother if ever what will happen to me. at least di na sya mamomroblema na matindi in the future..since im single and may stay single till i grow old, ayaw kong kung dumating ang time na un eh mahihirapan pa ang kapatid ko sa again. i dont wanna be a burden to him.
Hi Ma'am permission to post this po. Just want to share the peace of mind you have to others. To help other families to be secured also :) Thank you so much
Hi Sir permission to post this po. Just want to share the peace of mind you have to others. To help other families to be secured also :) Thank you so much
Thanks Got I got mine the VUL AND SOONER EDUCATIONAL FOR 4 STUDENTS NA MGA PAMANGKINS.PERO DI KO PINAALAM SA KANILA NA THEY WERE INSURED KUNG BAGA AKO ANG MAY CONTROL SA MGA INSURANCE NILA SO AKO LANG ANG MAKA WITHDRAW AFTER 10 YEARS😊 SUNLIFE CANADA INSURANCE AKO. MEDYO LATE NA AKO NAKAPAG START NANG GANITO KASI INUNA KO MGA KAPAMILYA KO BAGO SARILI KO BUT DI PA HULI ANG LAHAT.Kung baga nasa stage na ako to fucos myself na.
Hello Mr. Chink! Hindi po ba Mr. Chink na maraming hidden at small prints sa insurance applications. Nandoon yong catch. Alalahanin natin nandoon yong legal terms na ginagamit na di natin masyadong inaalam. Sa collection ng mga insurance money na yan katakot takot na palusot ang gagawin para di mo makuha in full or partial. You could be denied your whole coverage. Dahil ang insurance ay business or maney making machine.
Maganda ang issues na pag dating ng araw kahit wala lang bank account pwede mo makuha ng check. Hindi yung kailangan pang mag open ka ng account yung makukuha mo mababawasan pa.
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bought VUL when i was 19 years old . , Kahit Janitorial ang work ko . 🤘 malapit na mag 5 years hehehe. Walang imposible sa lahat
@PrincessMutya Abania Hi
Go lang no regrets pag nakuha mo na. Pwede k din kumuha ng mp2
wow.. good on you mate.. buti 19 yrs old ka pa lang alam mo na ung importance ng insurance.. i bought mine few years back.. para sa retirement and emergency. d natin maasahan ang SSS sa pension (although good to have naman), mgkano lng kasi maibibigay nyan monthly.. at least pag commercil insurance talaga, may possibility na x5 o x10 pa makukuha mo monthly.. on top na protected ka pa, you have your retirement planned out na..
vul is a waste of money wag kayo pauto i have vul laki ng lugi.
@@kidawie6417 you bought the wrong plan or the funds you invested did not perform well.. kelangan mo din pakiramdaman ang galaw ng merkado
Already insured my 6year old daughter. By the time she grows up she will remember me even after im long gone. I am able to protect her.
Retire
It's cheaper if she's younger
Anong klaseng insurance po un?
Life insurance is an income replacement.
U don’t depend on your child for income so we don’t need to get insurance for them. What happens if you pass away? U left them with premiums to pay, not security. Invest the premium that your paying for your child’s insurance instead to an investments that are compounding in interest. You’ll accumulate more wealth than paying his premium
@@ramonabenito8600 pwede pong VUL po. Do you have email so we can talk better po Mam? mine is jacklynjunio@gmail.com
Matagal na nag eexist mga insurance peru dami Pilipino hindi pa rin aware dito pati sa benefits nito. Ako din etong pandemic lang nagka interest dito. This is actually very helpful.
I was also skeptical nung una about insurance, but really found the value of it - and now I wished I started earlier! Now I am a proud FINANCIAL ADVISOR with Sun Life!
Sir Eric, need advise po. Hindi ko po nahulugan ng tama ang sun maxilink prime ko. Tapos na po ang 10 yrs. Na Term. Ano po dpat kong gwin kc pababa ng pababa ang fund value because of premium charges. At yung maturity date nya po, death benefits lng po ba yun?
Can i still be qualified for one at 56?
Sunlife din kami ng panganay ko
@@marivicvalle1612 magkano magpamember sa sunlife
magkano po pa member ng sun life interested here?
7k a month insurance ko pero d ko pinagsisisihan na kumuha ako kc inusred kna my investment kpa isipin mo nlng. Nag iipon k sa banko pero dto malaki ang tubo nka insured kpa proud PRU life uk member .
Paa plus po ba nakuha niyo?
Mas ok BA cya sa SSS ???
@@rgabzgaborne1826yes sir
Rock n rol!
Proud OFW here..got my first insurance way back 2005 when I was still single..And now being married with one child, 80% of our monthly income goes to our insurances, my child's college educational plan & investments. Through hard work, perseverance & determination you can have all these things & with the guidance of our Lord Jesus Christ. Also, I'm thankful to my mom, my no. 1 financial advisor who taught me on how to save my hard earned money 😊
Hi Ma'am permission to post this po. Just want to share the peace of mind you have to others. To help other families to be secured also :) Thank you so much
Ibili mo ng ginto wag sa insurance.
Can you introduce someone to me?
@@you_r_smile5373 hi po, Im a licensed financial advisor po. We can do financial coaching po to determine ur priority and the right plan for you po.
I’m 24 yrs old have 2 VUL. I purchased my first policy when I was 19, and the 2nd one when I was 23. sana madagdagan ko pa. sayang ang time at mas mura habang bata pa.
Peace of mind tama ka dun Mr. Chinkee. 🤟🏻👍🏻
Hi Ma'am permission to post this po. Just want to share the peace of mind you have to others. To help other families to be secured also :) Thank you so much
Mag balik loob kayo sa dyos at ibigin ang panginoon kung puno kayo ng pananampalataya hindi kayo mag aalala sa lahat ng bagay
DIOS Po Ang nagbigay sakin ng karunungan para maisip ko Ang future ko para sa pamilya ko, salamat po sa DIOS
Thank you Lord...Mabuti na lang isa na akong Licensed Financial Insurance Advisor at nakakatulong sa mga taong gustongag insured..
luckily before i retired as ofw i had multiple life insurances,think positive lang or being wise.
This i so true. Pag car insurance kinukuha pero ung driver hindi. Thank you for sharing this.
Sa edad ko .. ngayon ko lng naisipan mg life insurance .. thanks .. God kasi nagsisimula na ko 😊
Proud financial advisor of Pru Life UK here.
Thank you sir for this some additional tips..
Lagi kong snsbi sa client na Life insurance is not all about death..
Hi paano po mag apply ng life insurance ?
@@joanmaesabanlao490 hi may ngassists napo sa inyo mam?
@@joanmaesabanlao490 hello po ma'am. Good evening po. May nag assist na po ba sa inyo? I will pm you po. Thank you.
Maganda talaga ang prulife uk
Kelan po ba puweyde mag widrow
I'm a financial advisor of Pru Life UK.. Thank you sir! Your video is an eye opener for our kababayan. It's one of our goals as Financial Advisors to enlighten how important life insurance is.
I have a plan insurance with dat pru life uk.
how to be a financial advisor po ?
@@Ren-tp9xw pwede ko po kayong iassist☺️
I'm a financial advisor. I became one because I realize that more filipinos should have insurance. Lalong naghihirap ang mga Filipino due to unplanned incidents. Kaya magandang prepared tayo for all possibilities. 😊
Ang hirap kc sa pinoy (tbh)
Mas mag iinvest pa cla sa scam. Pyramid at easy money.
My mom starts investing for like st peter insurance and forest lake insurance cost us about 1200 per month like it was 1% of their income for the whole month but since my mom like introducing it to others, theyre like, (so ano mamamatay kana? Nagreready ka na ata? Etc.)
But she was a real confident woman and leave them laughing their shit out. ( Btw sa st peter matatapos na syang magbyad and shes planning to not withdraw the said amount she will earn but to invest for another land in forest lake) so yeah i hope every filipinos want to end living in shitposting and trashtalking humans
what is the best insurance to have ? and is its difference among other insurances ?
@@Ren-tp9xw hello😊 Pwede po kaming magdiscuss sayo
@@jinksderay6268whats the best insurace?
@@Ren-tp9xw term o whole life
Depende sa Insurance make sure right Insurance Company. Yes mayron kme Insurance ng anak ko and my husband. Dito sa Singapore secured kame. But be smart. Pagdating sa Insurance. Thanks sa Tips po.
Thank God! I made the right decision. After I graduated I had my first job right away and instead of buying something sa first salary ko, I decided to get a life insurance policy(not really big). I didn’t get a high paying job that time as it’s my first job but I just felt that hindi na ako responsibilidad nang parents ko pag may mang yari sakin after graduating college. Iniisip ko nalang na if I get a better paying job dagdagan ko nalang mga insurance ko in the future (atleast naka start na ako)and true enough everything happened as planned sa awa ni God. hindi ko rin alam bat naisip ko yun nung time na yun but I’m really thankful🙏🙏🙏
tuloy tuloy lang.
hello may i know which insurer you chose? i’m planning to get i don’t know which insurer huhu
@@nlzjyy hello po good evening. I'm an FA po, may ng assist na po ba sa inyo? How can I reach you po to discuss further about the life insurance. You can reach my messenger po Ruz Lee. Thanks po.
Same here din po. Since 2nd year college, nag start ako ng insurance. Kayang kaya lamg cya ng 70 pesos per week. Kaya hindi na na ako mag alala na magiging responsibility na ako ng parents ko.
@@nlzjyyhi
Thank you Manulife naka withdraw ako bago mag lockdown mas malaki pa sa Long service na hinihintay kong makuha na wala namang kasiguradohan.
Pag mag bakasyon ako e process ko ang critical illness.Salamat sa financial Advisor ko.
Thanks sir! I've started insuring myself late. But now I am starting to be one of the Financial Advisor.😊
Yes may peace of mind talaga pag alam mo na kumpleto ka insurance at kahit mawala tyo ir magkasakit tayo may makukuha mga mahal natin s buhay na cash.
Knowledge is power. You must know what you are doing. Nakakalungkot yung iba iniisip gastos lang ang insurance without looking its benefits.
Life Insurance is here to protect your money from unforeseen events.. mahirap magkasakit mauubos ang pinaghirapan mong pera.
Hi Ma'am permission to post this po. Just want to share the peace of mind you have to others. To help other families to be secured also :) Thank you so much
I'm 21 yrs old and kumuha nako ng life insurance the earlier the better sana tuloy tuloy. Also a breadwinner atleast may maiiwan ako sa family ko for them to secure.
same here 🙂
@jp bsiguro po kasi you can never tell kung hanggang kelan ka makakapagprovide ng needs ng family mo?
@jp b mas mura ang premium mo po kung bata ka magssimula kasi wla kang hinahabol na years to pay. Kumbaga kung 45 kana tas 15yrs to pay life insurance mo, 60 kana nun.. pa retire kana. Kaya nlalakihan agad pra mahabol mo ung dpat na makuha mo if early ka nagstart. Ganon lang po.
Kris nadado tama ka dyan u did a very good decision.
@jp b una protection . 2nd , mababa ang monthly premium at hindi yon tataas kapag universal life insurance
I am also a breadwinner, I really have no regret when i decided to get a life insurance for my mother and myself when i was 24 years old and i already paid them when I turned 29. It's easy for me to pay it because I was single that time. So habang bata kapa you should work hard and earn for your future para pagtanda mo or pag nagkafamily Ka hindi ka mangangamba sa kinabukasan mo at ng pamilya mo kahit anong mangyari sayo. The best investment!👍
hi which insurer did you get your policy po?
So ung pagbayad mo ng life insurance mo is on a certain date lang?
@@fashionistaglow3160 this is my question too... Akala ko lifetime mo siyang babayaran or it depends?
Hi Ma'am permission to post this po. Just want to share the peace of mind you have to others. To help other families to be secured also :) Thank you so much
Thank you Chinkee , sana maintindihan ng mga kababayan natin, isa po akong insurance agent at OFW marami na akong nakikita kung paano nawala ang perang pinag ipunan dahil nagkasakit o nag karoon ng cancer at nawalan ng trabaho.
Mabuhay ka kuya Chinky! Wala sa academe itong mga pangaral mo...uunlad ang buhay ng simpleng pinoy in this kind of education.
BUMILI DIN NG BOOK NILA ROBERT KIYOSAKI,NAPOLEON HILL, GRAN CARDONE, WARRRN BUFFET.. AT MARAMI PANG IBA...
Maligayang pagsubaybay po mula sa Lokal ng Luzon Distrito ng Central =) #WeAreAlwaysOneWithBrotherEVM
I got my life insurance last year. Sarap ng feeling na secured ka. 😊
Retired
I got my first policy last 2018 with Sun Life and now I am a Financial Advisor. YES TO PEACE OF MIND!!!! 💛💛💛
Hello po! I'd like to ask if paano po ba maging financial advisor?
paano maging financial advisor? pede mag aply?
@@eljaybiclarlema8999 hello! Pwede ko po kayong iassist para maging Financial advisor po😊
@@pinkbowzntoes017 pwede ko po kayong iassist☺️
@@jinksderay6268 How?
Year 2013 when I was in 4th year college in PUP naging guest Financial Advisor po namin kayo. Dami ko natutunan kaya the following year nung maregular ako sa 1st job ko kumuha agad ako ng insurance.
After 5 years, at 27 y/o tapos ko na sya hulugan. 😊
Thankyou Sir!
@Hilda Flores i strongly suggest for financial review ng coverage nyo I can help to assist you Just in case you can Send direct message in my messenger Carmy Malabiga ...stay safe God bless
Alkaline Kangen Water here1! healthwiser.online/index.php/product/home-steady-package/
wow
Hi po. Kapag tapos na po hulugan, mawiwithdraw na po?
ano po insurance nyo maam
Since may life insurance n ako di n ako takot mamatay kc I have peace of mind dhil magiging secured ung maiiwan ko.
Simple advise : Pag mahal mo ang pamilya mo , Protektahan mo…
I'm not against to you guiz,
Why?kung gusto mag invest it's up to you but
Kase oo gusto ko umasenso yumaman,
Be contented nalang lalo kung
Nabubuhay ka ng simple NMN,
Sakto LNG,kase kahit pa mgpakasubsub ka sa investment,kung dimo na eenjoy buhay mo kakaisip nyan,life is to short,...
Sa huli sandali ng buhay mo,
Ang pinaka the best...
1,masasabi mo ng enjoy ka sa binigay ni god na buhay
2.naging worthy kana NMN kahit paano
Pera kotse,bahay wala na yn kung inubos mo oras mo kakaisip ng yumaman lugi kna,,
Ang buhay kase di naman nagma-matter kung mayaman ka o hindi
Kase lahat tayo mamatay
Enjoy mo life mo,maging masaya ka contented worthy ,don plang panalo kama bakit ko nasabi yan
May pera kmi pero depress di na enjoy buhay broken family away away bawat isa,anong halaga ng pera pg ganito ,
hope ur okay k n.. 🙏
Insurance is not for you but for the people na iiwan mo pag namatay ka na. Magastos magpalibing at mag asikaso ng kung ano pa man. San kukuha ng pera kung walang ipon? Nag iipon na ka para sa panahong mawala ka man sa mundo, may maiiwan kang pera para sa mauulila mo. Kung ikaw lang ang bread winner, ano na mangyayari sa pamilya mo? Kaya siya insurance para "sure" ka na kahit papaano, may pera ang mga beneficiaries mo.
@@jpgalo99 magnegosyo nlng ako almost the same my 10 million k sa negosyo lupain masama pa kita mamatay ka maiiwan mo lupa at ari Arian mo
@@positivethoughtchannel kamusta na po negosyo mo?
@@ishka5828 up! HAHAHAHHAHA
In getting a life insurance and/or with investment, you need to undergo Financial Planning session with your trusted Financial Advisor. Hindi sya "one size fits all", hindi sya yung kung ano ang insurance ng family, friends and kakilala mo e ganun din ang sayo. Iba iba tayo ng needs and at the same time need na aligned ang needs + goals sa insurance + investment na iaavail natin.
Kaka kuha ko lang ng VUL from AXA 25 years old palang ako pero sna nagstart na ko dati pa. Sobrang daming advantages basta skilled at knowledgeable ka.
Got my insurance when i was 19 yrs old my gift for myself. I know the importance of it thats why I also work as F.A of sunlife.
AXA insurance po ako a life time insurance, nag start po ako since 2017 , Thank you Lord🙏
I am a 23 year old female and for the past months, I have been binge watching Mr. Chinkee's videos. It really helped me broaden my perspective and thoughts on money matters. Thank you Mr. Tan 💖
Wonderful!
hi Elaine! This is Karen Anne. I'm a licensed financial consultant from PRULife UK. Should you need someone to talk to about life insurance, let me know! We can discuss your needs and goals virtually. 😊💯 stay safe!
Thanks God, kasi nainform agad ako about life insurance at age of 18. I was a college student at the same time a service crew pero pinasok ko kasi very important sya para sakin, sa family at sa Future ko.
Thank you for enlighten me in this video. Godbless. 😇
Proud AIA Philamlife Advisor here!!!
saan ka po kumuha ng life insurance ? thanks
@@jeffreycastro2077 Sun Life po sir.
Hi Sir permission to post this po. Just want to share the peace of mind you have to others. To help other families to be secured also :) Thank you so much
Thanks for this video. It's a big help for a financial advisor like me. As a financial advisor, I have experienced numerous rejections that I almost gave up. But thinking of the nobility of my job, I have decided to continue my career as a financial advisor.
I’m 25 years old and already have 2 insurances at Sunlife and 1 at BPI-philam life. I’ve been registered since the 2018, only 22 yrs old that time. I’ve been targeting to be financially stable at my 30’s. So eager to learn more about investment. Thank you for this video.
hi. anong insurance mo sa philam and sunlife?
Pero galing ako sa bpi philam knina insured kalang pag tuloy tuloy hulog mo forever
@@jesselbalayoong2561 hi, I am a BSE at BPI PhilAm, we have po 10 years only but covered ka na po until age 100. Odiba bongga! 🥰
@@margarettemamuri3019 nung kinlarify ko kasi sabi sakin hindi daw
@@jesselbalayoong2561 may plan po kasi kami na tuloy tuloy ung hulog mo pero meron din naman po na 10 years lang pero insurance coverage is until age 100
I started my Life Insurance for me and for my husband. Next month I am starting for my Health Insurance for my family. Thank you
"RETIRE"
Hello @Sally, here's the link to the course lddy.no/ba9d
Thank you.
Prulife UK Financial Advisor here! The very reason why i live to my mission. 😍
Thanks god at member nako now its 1 year from sunlife better to buy insurance than buying luxurious items
Got insured with Sun life this year. Thank God that I made the right decision. 💖
How po sir
FA here from Pru Life UK!
I got my first insurance when I was in 2nd year college. I started with a low premium, una masakit sa bulsa pero ngayon I look at it as a priority na. Ang ganda nitong video for every filipino's awareness!
may health insurance na din po ba ang prulife
@@larrycallejas7451 yes madam. We offer VUL rin just like what Mr. Chinkee mentioned in his video. :)
@@briannedeniceignacio520 is there a specific amount you need when starting a life insurance? 1st year college here :)
@@yannieee05 hi Ariane! Depende siya kung anong amount ang comfortable ka itabi for your policy para you can do it consistently. Imagine, you have both pockets. You are just saving on the left pocket. Kurot ka lang konti, lipat mo sa right pocket mo. That will be your insurance policy. :)
@@briannedeniceignacio520 tysm for this! :)
Insured for 8 years already. I got my insurance policy when I was 23 years old. I hope i did it when i was younger.
Nice ✌️👍
M
Anong insurance po yan?
Maaga ka pa din nagstart pero mas maganda pa din kung mas maaga pa.
@@paulocardines9496 yeah.
But, I insured my 17days old son☺️
Proud Licensed Financial Advisor of Sun Life here 😊💛☀️☀️☀️
Curious lang ako how financial advisors are paid. Do they get any commission from every person who signs a contract?
thanks to my mom who pushed me to have an insurance, mag 1yr and counting na ko nagbabayad and i just learned how its very important to be insured ☺️
Ano po ang insurance niyo?
@@czyrayenogacio949 philam po
I got my policy in June 2017 after ng car accident ko. I’m also a Licensed Financial Advisor now at Prulife UK. ❤️
Ano fb name mo madam?
Alkaline Kangen Water here1! healthwiser.online/index.php/product/home-steady-package/
I have two policies from Sun Life
I'm planning also to apply for another one for my mother.
Hi. Sir if you are interested to get a life insurance. You can reach out to me. I am Financial Consultant in #PRULifrUK
Sana all hindi nega pananaw sa vul
I just bought Sunlife VUL. I'm 23 years old, I'm currently studying to be F.A
Got my policy with SunLife back in 2019 and mag to-two years na ako. Bilis ng panahon. Despite the fact na parang gusto ko ng itigil yung insurance ko kasi nakakapagod din yung bayarin, one thing that keeps me going is to have that “peace of mind” kumbaga. I know for sure that I am going to reap what I have sown. 😊
@@marvenpacot2540 hi! how much is the monthly contribution for Sunlife VUL?
@@laviniarosecastante2386 lowest price i know is 1500
Bough mine this week, I'm 18.
Thanks to my financial advisor ng Pru Life UK (Elite 10)
To have financial freedom in the future! ✨❤️
Well said! I'm a licensed financial advisor of AXA Philippines. Wifey and I got life insurance to help protect our health. We're covered should a minor or major critical could stricken us.
Okay po ba AXA ?kakamember ko lng po.
How po mag inquire sa AXA Philippines Life Insurance ?
“RETIRE”
So agree peace of mind is relly matter😊
Hi Good day
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retire
Retire
Yung number 2 is parang MRI/Mortgage Redemption Insurance yan yung nangyari sa House and lot Ni Lloyd Cadena. 🏡
How much po sa ganyang plan?
@@heyitsrally5178 no idea po. Ask po kayo sa insurance company. 😊
Yung MRI kasama sya sa monthly na bnabyaran sa bahay namin Mr. Rally.
Started with Sunlife at age of 21. Now, I'm halfway na.
I suggest na i-continue nyo po ang pag-deposit kahit tapos na po ang minimum years of payment para consistent ang habit niyo ng pag-iipon. ☺️☺️
@@nailcharacter Yes, thanks sa pag-suggest. Well noted.
ask ko lang pag natapos ba yun ano mngayayare , or kapag nag canada or us ka pwede ba magamit yun
@@franceskagarcia8835 May makukuha kang fund after ng maturity.
@@franceskagarcia8835 hello! For good na po ba yun or for employment lang po?
I am working in insurance line and it's eye opening to me na how important to have our personal insurance. We should stop the mentality na we don't need or don't trust the insurance as they are just making money from us... It's not true! Especially now, life is indeed difficult and the medical costs are extremely expensive... Be wise mga kababayan. And the more you delay the purchase the insurance, the more the insurance becomes more expensive. Because they will be based on the age and medical conditions.
Can i still apply for insurance at 56?
@@sallycayanan9143 hello! Pwede pa po pero medyo mababa na ang benefits. Pwede po kaming magpresent sayo☺️
Way back 2017, I start paying for my life insurance. I never regret my decision. 😊
winner
Anong insurance po na magnda?
@@marygracegarcia5885 Philamlife po
Last 2016 i started paying May insurance and 2021 im going to finish paying 5yrs..
Mendy rosario ano insurance mo sis
Proud prulife policy holder 😊after 2 years na nakabayad ako (5 years) wow may pera ako pwede widraw insured pa ako ..
Hi mam mgask po ako bakit pwede po palaawithdraw ang insurance?
Coach ang galing ng paliwanag pero ano po yung choi sauce? sa bandang time 11:21 po
Got my axa basic life insurance.. so happy with it. I see the value of my investment in the app.
"Bakit ang kotse may insurance, ako wala" Ito un dahilan kaya kumuha ako ng insurance and I'm glad 2 n insurance ko. Sunlife & Prulife ang purpose ko rin is for retirement.
ty
I also got my VUL when i was 23. I was truly eager to have one after hearing so many of your live talks and seminars and other famous financial vloggers . It does give you a peace of mind and of accomplishment.
im sure yung current value ng VUL mo ngayon is lugi😂😂😂..im correct?
@@kidawie6417 correct. I will agree with you and already aware of the high risk . my FA was kind to me and explained the necessary pros and cons for it before i even got it. Pero nag go parin. Haha let us see over time. .
I have always been a believer of preparing for the future of my family. I have only 1 child, kaya since baby pa sya kinuhanan na namin sya ng highschool and college plan. After she graduated, I got her a life insurance plan VUL regular pay, parang graduation gift at pamana all-in-one na din kasi wala naman kaming malaking pera na maibibigay sa kanya when the time comes na gusto na din nya magka family. Ako ang nagbabayad ng premium kasi tapos naman na gastusin namin sa pag aaral nya, although may work na sya ngayon I make sure na alam nya importance ng savings and investing. I will continue to pay for it as long as I'm working, by the time mag retire cguro ako she will be 35 then and sa projection nasa million na cash surender value nya hopefully😀
Hi Ma'am permission to post this po. Just want to share the peace of mind you have to others. To help other families to be secured also :) Thank you so much
Kaka start ko lng sa life insurance. Thank you po.. Sunlife
Thank you sir I'm just 20 and now planning to invest to 2in1 investment company but because of this video I'm planning to invest this end of September.
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Hi Sir Joseph!
@@jamesandrewante2726 hello sir my fb name JOSEPH BAUTISTA NARVAEZ
@@_ichi_gatsu_ Hi sir! Already messaged you on facebook😊
just got my policy from Pru Life UK, sana pala dati ko pa ginawa, ngayon ko lang kasi naintindihan ang importance, kaya I tried my luck to be a Financial advisor para maintindihan ko how life insurance works, Thanks God I'm a proud licensed Financial Advisor of Pru Life UK here
Gold Button is waiving, Congrats in Advance!!!
ty po
Retire
Mary Jane Velarde nnnnnnnnn
Retire..thanks Sir
very true! ☺️ proud financial advisor of sunlife. I am very happy for my clients 😇
Hi paano po mag apply ng life insurance ?
hello po ako po ka2kuha ko lng ng sunlife insurance pra skn at s mother ko
@@joanmaesabanlao490 Hi ma'am, tanong ko lang po kung may nag-assist na po sa inyo? I am from Sun Life din po 😊
I've been planning to get an insurance, but I don't have enough knowledge about it yet. To the experts, please let me know what's the best insurance for retirement plan, investment, and the one could help me financially if something happens to my family? Thank you! Hoping that someone can give me further information here before getting an insurance. 💜
Hi mam i can assist you po i’ma licensed financial consultant from Pru life UK😊
Yes true I'm part of that as Financial Planner maganda tlga sa Isang pamilya security kung my life Insurance ka mas maganda!!salamat Po sa pg share Ng video☺️
Thanks for this sir Chinkee! Got 3 VUL policies. 1 for my retirement, got it when I was 25yo and 2 for investment focused. Hindi na ako mastress mag manage ng investments, bahala na fund manager since sila naman expert dun. Need to work hard while marami pang energy 😊 😊
Paano Po,,,
@@manilynendaya4870 hello! Willing pa po kayo kumuha ng insurance+investment?
Buti nalang may mutual fund ako 4 years in paying na going to 10 years sa awa ng Diyos.
pag ikaw ng explain ang daling maintindihan! 🙃. more power!
hahaha yan ang work ko
@@chinkpositive true!para sa akin gift yan na may connection sa audience,di lahat nang speaker meron niyan. 😊
Nakakaproud magkaroon ng insurance. 2011 kumuha ako ng life insurance. Eto last quarter ko na this year. Ambilis ng 10years! So happy protected na ko for my future.
Good for you!
start young sa life insurance, mas mababa ang bayad at mas maganda narin isabay mo sa health insurance. 👌😉
Pwede kaya teenager dyan? 😅 kasi parang lagi kang magbabayad dyan buwan2 😅
Yung insurance may binabayaran ba ng kada buwan or isang bisis ng magbayad?
I'm 20 and already insured. yes every month u have to pay
@@cytrixchannel6956
mas maganda actually. 😎💙
@@philipnobleza7031 hi. sa experience ko. papipilian k nila, 10 years or 5 years n haba n term. kung ano applicable sayo may monthly, quarterly, 6 months and annual. pwede rin magtop up, d q lam if tama spelling. 😁💙
Maliit lang po sweldo ko pero ng dahil sainyo na budol ako na kumuha ng insurance na kaya lang ng sweldo ko 😂 Hahaha Pero totoo thank you po sa contents nyo. Nag start na po ako kumuha ng insurance and invest ng konti dahil sainyo.
The reason why I'm a believer of insurance is because of nangyari sa amin nung 2016. Namatayan po kami and fortunately, may life insurance policy po yung papa namin. Kaya napagpatuloy yung pag-aaral naming magkakapatid. Unfortunately, karamihan sa mga kakilala ko ay di pa kumukuha ng sarili nilang policy
sorry to hear that. pero glad to know you're aware sa life insurance. Just continue to spread the legacy po.. marami ang mali tingin sa insurance without knowing this will benefit their whole Family. God bless po!
Hi Kris permission to post this po. Just want to share the peace of mind you have to others. To help other families to be secured also :) Thank you so much
Have my life insurance from AXA.😇 Want to have my own investment as well. In end, mapapakinabangan mo rin naman talaga. It's either you or your family ang makikinabang.
Hi. What is the best life insurance company that you would refer? With all the benefits have in your video.
IMG po sir.. pwede po kayo umattend ng aming free webinar
Actually, dati ganto din mindset ko. Kasi bata pa ko, di naman ako mayaman, maliit lang sahod ko since nagsisimula pa lang ako and feeling ko mahal sya. So lahat ng nagooffer nirereject ko hanggang sa one time may kakilala ako na financial advisor na nakapagbigay ng claim sa family nung client nya. Dun na ko naniwala. Amazing yung protection na nabibigay nya sa family. Kaya kumuha na din ako, habang bata pa mas mura pa.
hi po 🙂 ano pong insurance yung nakilala mo po na nagbigay ng claim sa family ng client nya?
Hi Yummy Panda financial advisor here :)
Hi Ma'am permission to post this po. Just want to share the peace of mind you have to others. To help other families to be secured also :) Thank you so much
Kaiser 3 in 1 savings program is the best with Health protection,Life Protection and Investment.and also good po ung Most.18 IRA in Manila Bankers.
Who is watching this time of pandemic, ito na nga yon.
Proud to call myself a Sun Life Financial Advisor!
Thank God I'm already insured and my family too ☺️
I started in 2013 (Prulife UK), P1M life + 500k Critical Illness + VUL, 10 years to pay
2014 (Manulife) 300k life + VUL (No critical illness), 10 years to pay
2018 (Manulife) 600k life + 300k Critical Illness + VUL, 5 years to pay
2019 (Troo) 600k life + 300k Critical Illness + VUL, 3 years to pay
2019 (Troo) 1M Critical Illness only, 10 years to pay
2020 (Manulife) 500k life + Guaranteed Amount Yearly after maturity, 5 years to pay
Yung mga VUL kukunin ko kapag 50, 55, 60 at 65 years old na ako (tapos may guaranteed amount pa doon sa huli). Ngayon kasing tumatanda na ako (Im now 37), I shifted to more critical illness coverage and guaranteed amounts na po, kasi hindi na masyadong malaki ang tubo ng VUL ko kasi nga medyo matanda na ako. Nagsimula ako dati noong 29 pa lang ako, kung alam ko lang, sana mas maaga akong kumuha.
My advice is, get an insurance when you are young (20-21 years old), so by the time you are already ready to start your family, you have already paid for it in full (depende kung 3 or 5 or 10 years to pay), and you can withdraw your VUL when you need it.
VUL is the worst financial product out there. Insurance and investments should never be combined, thats what VUL is basically.
Hi Sir, pa advise po if may anak ka nagtatanong (20-23yrs old) based on your experience ano po magandang kunin na insurance? Thank u
@@christiandelapena8623 bakit worst po? (Honest question) Kasi po, alam ko namang mababa ang ekonomiya ngayon kaya bagsak po lahat ng VUL. Pero optimistic naman po akong makakabawi rin po.
@@yla4573 Maam, para sa early 20s meron pong mga insurance company na around 1500 per month lang po, payable in 10 years. You can start there, and if the time comes na may extra pang pera, pwede pong kumuha ng isa pa (3 or 5 or 7 or 10 years to pay) or top-up (one-time payment na magdadagdag ng fund sa investment mo po).
@@yla4573 You can talk to some financial advisers, sabihin nyo po kung ano yung budget ninyo, pati inclusions/riders na gusto ninyo: gusto nyo po ba may accident insurance? may critical illness? may hospital allowance? may disability waiver? (Sorry hindi po ako insurance agent kaya kayo na po ang bahala maghanap ng agent --> I personally like Manulife)
I'm so happy and thankful dahil isa akong planholder at insured ako and also my love one's kaya stress free at no need malubog sa utang. At the same time sobrang gandang pang additional pang encourage to sa mga ayaw maniwala sa about sa life insurance kaya as a sales agent din ng life insurance sobrang useful nitong video na ito.
Salamat po! I'm an FA with Pru and this sums up my presentation. Hello July!
True. Thats why invented in Manulife, Sunlife Grepa and prulife.
START YOUNG.
usually pag mas bata mas mababa premium. Annual paying works for me. Di ko mamamayan tapos kna pala nagbayad. Then upon maturity. Invest mo para tumubo pa
Halimabawa nabuo muna ung 5 years mo pag bayad ano yan ibig sabihin secured kna??
Ay wooww may life insurance ako pero diko naintindihan mga benefits dun. Thank you Po marami akong natututunan sa inyo
anytime! Thanks for watching!
so much motivation from ur videos, marami aq natututunan lalo ang mag ipon
hi Mom in Oman! This is Karen Anne. I'm a licensed financial consultant. Should you need someone to talk to about life insurance, let me know! We can discuss your needs and goals virtually. 😊💯 stay safe!
i just recently decided to get a life insurance.. not for me but for my brother if ever what will happen to me. at least di na sya mamomroblema na matindi in the future..since im single and may stay single till i grow old, ayaw kong kung dumating ang time na un eh mahihirapan pa ang kapatid ko sa again. i dont wanna be a burden to him.
Right decision
That's one of my main reason why I apply for insurance. 3months ago.
bakit bata ba yung kapatid mong lalaki??
Alkaline Kangen Water here1! healthwiser.online/index.php/product/home-steady-package/
Hi Ma'am permission to post this po. Just want to share the peace of mind you have to others. To help other families to be secured also :) Thank you so much
Health Insurance saved my life. Without insurance patay na cguro ako ngayon dahil di ko afford yung operation.
Hi Sir permission to post this po. Just want to share the peace of mind you have to others. To help other families to be secured also :) Thank you so much
Thanks Got I got mine the VUL AND SOONER EDUCATIONAL FOR 4 STUDENTS NA MGA PAMANGKINS.PERO DI KO PINAALAM SA KANILA NA THEY WERE INSURED KUNG BAGA AKO ANG MAY CONTROL SA MGA INSURANCE NILA SO AKO LANG ANG MAKA WITHDRAW AFTER 10 YEARS😊
SUNLIFE CANADA INSURANCE AKO.
MEDYO LATE NA AKO NAKAPAG START NANG GANITO KASI INUNA KO MGA KAPAMILYA KO BAGO SARILI KO BUT DI PA HULI ANG LAHAT.Kung baga nasa stage na ako to fucos myself na.
Hello Mr. Chink! Hindi po ba Mr. Chink na maraming hidden at small prints sa insurance applications. Nandoon yong catch. Alalahanin natin nandoon yong legal terms na ginagamit na di natin masyadong inaalam. Sa collection ng mga insurance money na yan katakot takot na palusot ang gagawin para di mo makuha in full or partial. You could be denied your whole coverage. Dahil ang insurance ay business or maney making machine.
Truth
Kaiser is awesome 👌 tsaka ko lang na realize na importante ang insurance kung kelang may nagkasakit na ,kaya habang bata pa kuha napo tayo 🙂
True.. may healthcare, life insurance and investment na
Me too Kaiser 3 in 1 🥰
Thank u for sharing ur knowledge sir..very will explain..Go bless u po..
Maganda ang issues na pag dating ng araw kahit wala lang bank account pwede mo makuha ng check. Hindi yung kailangan pang mag open ka ng account yung makukuha mo mababawasan pa.