My vul is now 10 yrs about to meet my FA next mth to discuss about it. My fund value really decrease during pandemic but Im ok about it nakahabol pa din and may nagamit na ako. Goal ko naman as breadwinner is the insurance, critical illness and hospital rider. Thank you on info 😊
Yes, tama mindset mo. Karamihan kasi iniisip na ang VUL ay purely investment eh. May component lang siya na investment pero ang purpose pa rin nito protection which is insurance. 😊
Thank you po sir. Naintindhn kopo.. Wla nmng masama sumugal.. Tiwla lng.. Bsta insured ka at my insurance nmn yn.. WAIT NLNG SI VUL. Tumaas ang stockmrket
During the time na parang gusto ko na ring mag surrender to focus on mp2, coops, ganon, nag review kami ulit ng VUL ko with my advisor, and thankfully, I still appreciated my vul set-up, thanks!
I think dpt po yta ang mindset pag bumabagsak ung market is not the value, but not number of shares ang hawak. So do nothing lng at ituloy ung premiums :)
Reasons why i withdrew my vul: 1. Expensive, 2. Not guaranteed ang kita, and it is not a guarantee na makakabawi ang market based from history, 3. Single ako, 4. Daming charges, kaya mas ok pa sa akin ang mp2 kasi walang tax, secured, guaranteed at may interest pa.
Sir ng hintay po kmi na tumaas ang market pero wala tlga bagsak ang Phil economy mauubos lng WALANG PAG ASA, kaya mganda take the loss na lng, ang withdrawal charges sabi sa BDO no chrages ang 5yrs VUL.
Hi Sir! I just got my insurance/investment. When would be the best time to withdraw my proactive fund? Is it best to withdraw partially since insurance would be affected? Thank you!
my risk appetite is conservative. usto ko lang talaga mag try hahaha pero nag babakasakli parin. hmm tama naman no pag tumaas navpu mejo nasa safe place yung fund mo? ok lang bayun na as of now sinecure ko yunh fund ko wherein inallocate ko in a higher percentage sa fund na ito. more vids please. discussing about the fund/ navpu dun pa kasi ako lito heheheh ty
Hello Sir..ako 10yrs pay na for P500k sa BPI AIA gusto ko na lng kunin ang nalugi kong pera..halos nauubos na.. P300k na lng makukuha ko pero halos 1month ko ng sinurender hindi pa din pa nila binibigay sa akin ang pera ko...😡😡😡
Sir ung AIA ko is regular pay; I'm on my 9th year, I have plans of terminating this or just getting partial withdrawal and invest it to somewhere else. I'm having 2nd thoughts kasi regular pay (i was told until the day i die ako magbabayad lol); I can't find my agent as well. I hope you can advise me the better way.
Hello Family Secure or Moneyworks ba un plan mo? may mga policies talaga na ganun til age 99 ang payment eh. Though usually yan un malaki ang coverage.
@@djdimaliuatofficial thank you sir for the reply. I think Wealth Secure yon. I have plans to let this go siguro on year 10 kasi I have 2 more existing policies. Yes, malaki coverage nya.
hi sir please advice me about axelerator,5yrs pay 300k total premium,but then now told me to continue the premium till 10yrs,im worried because the life insurance is only 300k which ever the higher between funds ang premium
@@djdimaliuatofficial thank you sir nagreply kpo,need qna po mag full withdraw my existing plan nmn po aq sa ibang company which is important kz health plan po xa,c axa po sna gamitin q for retirement but now im sad kz from 300k down to 210k in 3yrs,the advisor told me to continue pa tas ang baba lng ng value ng buhay q after
Yun na na nga gusto ko e withdraw lagi nila akong pinapa in courage ayaw ko na hanggan muabot NG 1month, grabi tlaga paki usap ko ayaw tlaga bitawan, my habol pa ba akong I laban karapatan ko
Sir dj good day! pls help po. From 820k down to 517k nlng ang VUL ko. Tapos na ang 5yrs ko kaso OFW po ako. Pwed ko po ba e authorized ang beneficiary ko ang mg full withdraw?
Mahirap din talaga kapag ang kinuha mo limited pay plan kasi natitigil na ang pagbili ng units kapag natapos na ang term ng pagpapay. Samahan mo pa ng maraming riders. Maisusuggest ko talaga go for whole life pay plan para tuloy tuloy lang pagbili ng units. 😊
I have an Investment/Insurance (since January, 2018) in one of the Insurance companies in the Phils. This coming January, 2023 my 5-year contract worth Php 300,000 which I normally pay the premium monthly of Php 5,000 is about to complete. Just 2 days ago, I received an email from Insurance company that says like this "We made an adjustment in your Set for Life plan with policy number xxxxxxx that resulted in an increase in your insurance plan’s account value. This means a higher total value for your investment in your policy". What do you mean by this email? Do I have to pay Php 5k continuously even if I have paid completely all the Php300k in January next year? What's your thought about it? Thanks for you reply, Sir DJ.
Hello po, I’m still a student po nag apply ako last January 12, 2023 sa BPI And I want to withdraw and not to continue with the policy in BPI AIA. I’m a regular payer, 10 months na po yung nabayaran ko and balak ko na pong hindi ituloy. Mga ilang percent po kaya yung mababawas don? Should I continue pa rin po ba or should I stop na? For 10 years to pay din po kasi yun.
Yung sa akin pababa ng pababa ang fund value, kahit kailan d tumaas, balak ko pong iwithdraw na lang paguwi ko kaysa maubos, naguguluhan ako sir😢nakakasad mag 10 years na sya next year
Wag nyo po e withdraw ma'am if Hindi nyo Naman po gagamitin same tayo pero Ang SA akin running 8yrs lang from 350k down to 160 nlng ngayon minsan bumababa pa. Mas malulugi tayo Kung e withdraw natin tataas din Yan kapag maka recover na Ang economy natin
@@acmjourney sa akin po mula noon d pa pandemic d naman tumaas, pababa lang ng pababa😅pero tama po kayo don na lang muna, pokus na lang sa insurance wag sa fund value para d tayo madissappoint😊salamat po ulit sa payo🙏
Kung insured po kayo ng 2,000,000 for example with critical illness coverage, and pag palagay natin mabubuhay ka ng hanggang 65 years old try to compute po yung ihuhulog mo for since you started until age 65. If tingin mo mas malaki parin yung makukuha ng family mo once na nawala ka compare sa accumulated payment mo until 65 years old, huwag mo po e withdraw. Isipin mo nalang pinag iipunan mo yung maiiwan mo at kung magka medical emergency man ikaw may sasalo sa ibang expenses mo. Ganon nalang po ang mindset na ginagawa ko.
Paano po ung sabi ng agent nw 10 years to pay lang kya kshit mahal kumuha ako ng 2policy. Sabi ko bkit wala sa policy kaso too late na nakabayad na ko. Sabi sa opis di daw po 10 years to pay kundi as long as i live magbayad ako unless ung fund nya is enough to pay for my yearly insurance. Nakuwenta ko lugi pa ko 300t pag namatay pero pag nabuhay ako ng 20 years ay 400t na nsibayad ko pero 300t lang mskukuha ko lugi ay kung 30 years ako mabuhay di 600t naibsyad ko pero 300t lsng makukuha ko po, what shd i do
Question Sir. If ever po ba withidraw mo and take the loss, mawawala din ba ang coverage ng Insurance mo or ang fund value lang? Also Sir not in the topic though but very curious, on the whole life insurance, if ever let say you pass more than 100 years old paid all premium, ibibigay pa nila ang coverage insurance mo or cash value or Thank you na lahat yun kc di kana cover after 100 years old.
What if sir nag zero nga fund value if already finish paying the insurance for 15yrs. But before that na widraw na 75% and 25% natira sa fund value..they still invest pa din ba 25% and lano kun mag zero na po..
Sir, suggestions po sa newly grads na insurance. Okay na rin po ba term muna? Para sana sa nephew ko na no budget pa sa matagalan at mahal na bayarin. Thank you!
Sir 10 years VUL plan, halimbawa natapos ko na 10 years policy. Total of 300k lahat ng naipasok ko na investment. 1. Kung i-withdraw ko ba pwedeng kahit 300k din makuha ko (basta natapos ko 10 years)? 2. Kung sakali naman may kita sa investment ano possible na itaas ng 300k na naipasok ko for 10 years (example lang po na amount)? 3. Paano po gagawin para insured pa din ako, kahit na-withdraw ko na lahat ng naipasok ko na amount (basta natapos ko 10 years)? Medyo lito pa sa VUL plan. New subscriber here. Thanks in advance Sir.
Great questions! 1. Hindi ito guaranteed eh. Depende kung magkano current account value ng policy mo 2. Possibly 10% ng 300k or less 3. Dapat nakabili ka ng iba pang policy para insured kapa rin kahit iwithdraw mo na in full yun VUL Mo
Sir after 10 years Po ba,walang surcharge pag winidrw ko Yong life ready plus,Nala 6 yrs. na Po Kasi ako,bale 160 k n Po Yong nahulog ko tpos 116k lng Yong fund ko,sinub ukan ko surrender online 31k Yong surcharge so 80 n lng Po Yong matitira,kung I pull out ko Po ba after 10 years walang surcharge,makukuha ko b Yong buong fund value?,sana Po masagot nyo,stress n Po ako😢😢😢,kc Po innisip ko buti kung may trbaho pa ako at the age of 55, kc Hanggang 100 yrs old pa ako magbbayad,576k Po Yong sum n makukuha ko,
Saakin Lima kinuha ko apat Sa mga anak 1 Sa akin . Philam 500k babayad ko 7 years na Ang fund value nalng niya as of 2023 is 370k pag mag widraw daw ako 340k nlng out of 500k Sa akin as mother. Lugi
After 10 years Pala need mo mg top up para insured pa din ako . Mali Ang nasabi Ng agent ko. Sabi niya after ten years is kikuta ako may tubo Pera ko tapos insured pa din ako
@@possitivemomtv7033 same sakin after 5year mababawi na daw 150k na nilagay ko sa fwd now 1month nlng 109 lang laman. tapos sabi dito may bayad pa pala pag winithdraw pag d nmn withdraw continuos pa din bayad kung alam ko lng d na ko pumasok sa ganto ang lau nang computation nila sa nang yari .
Sa totoo lang tayo. DJ showing the reality, no sugar coating.
My vul is now 10 yrs about to meet my FA next mth to discuss about it. My fund value really decrease during pandemic but Im ok about it nakahabol pa din and may nagamit na ako. Goal ko naman as breadwinner is the insurance, critical illness and hospital rider. Thank you on info 😊
It’s good that you understand
Yes, tama mindset mo. Karamihan kasi iniisip na ang VUL ay purely investment eh. May component lang siya na investment pero ang purpose pa rin nito protection which is insurance. 😊
Thank you po sir. Naintindhn kopo.. Wla nmng masama sumugal.. Tiwla lng.. Bsta insured ka at my insurance nmn yn.. WAIT NLNG SI VUL. Tumaas ang stockmrket
During the time na parang gusto ko na ring mag surrender to focus on mp2, coops, ganon, nag review kami ulit ng VUL ko with my advisor, and thankfully, I still appreciated my vul set-up, thanks!
Good to know
I’m a former seafarer, now i am a financial advisor. I experienced the value of saving and it’s one of my habit.
That sounds good
Yes Sir thank you for sharing ❤
I think dpt po yta ang mindset pag bumabagsak ung market is not the value, but not number of shares ang hawak. So do nothing lng at ituloy ung premiums :)
Tama din un. As long as you pay nadadagdagan ang shares mo. Pero nababawasan dn ito thru cost of insurance ha
Reasons why i withdrew my vul: 1. Expensive, 2. Not guaranteed ang kita, and it is not a guarantee na makakabawi ang market based from history, 3. Single ako, 4. Daming charges, kaya mas ok pa sa akin ang mp2 kasi walang tax, secured, guaranteed at may interest pa.
Mp2 maliit nmn kita.depende s laki ng pinasok u. Tska d mwidrw bsta bsta.. Panonf emergency
@@bollenordonez5249same sa VUL lol ang maganda lang sa VUL compared sa mp2 pag nachugi ka milyonaryo mga beneficiary mo
@@bollenordonez5249yeah good luck with Vul
👍👍👍
ang tanong may life or health insurance ba sa MP2? 😊
Very informative Sir, thank you🙏
Sir ng hintay po kmi na tumaas ang market pero wala tlga bagsak ang Phil economy mauubos lng WALANG PAG ASA, kaya mganda take the loss na lng, ang withdrawal charges sabi sa BDO no chrages ang 5yrs VUL.
It’s your decision po. Walang tama at mali. Case to case po tlga yan.
Salamat sir, marami akong natutunan ako sa inyo😊
Plan ko na din po iwithdraw vul ko,di rin kasi tumataas fund value ko mag3yrs na.Meron pa po ako 2yrs para magbayad pa..salamat po sa info sir
VUL is long-term not short-term. If you are looking for short-term, VUL is not for you.
"Mas ok pa na maiwan ka, kesa sa magkamali ka ng bili then biglang mag crash"
Tagos sa butong linya sir! More power!
Tama yan! Thanks for watching :)
Very informative, thank you.
You're welcome
Sir familiar po ba kayo sa COCOLIFE LIFE VEST? Is it a VUL po ba? Thanks
Ndi ko po kabisado products nila e
Hi Sir! I just got my insurance/investment. When would be the best time to withdraw my proactive fund? Is it best to withdraw partially since insurance would be affected? Thank you!
At least 10yrs onwards para walang withdrawal charges at mas malaki laki na rin account value mo
my risk appetite is conservative. usto ko lang talaga mag try hahaha pero nag babakasakli parin. hmm tama naman no pag tumaas navpu mejo nasa safe place yung fund mo? ok lang bayun na as of now sinecure ko yunh fund ko wherein inallocate ko in a higher percentage sa fund na ito. more vids please. discussing about the fund/ navpu dun pa kasi ako lito heheheh ty
kaso like nakaka two years nako ##k na na hulog ko pero half palang yung nasa account value pero patience is a virtue
Normal po un kasi may insurance charges lalo na sa 1st 3yrs
Huwag pasukin kung hindi napag aralan ng husto. Money is very hard to earn, very easy to lose.
Hello Sir..ako 10yrs pay na for P500k sa BPI AIA gusto ko na lng kunin ang nalugi kong pera..halos nauubos na.. P300k na lng makukuha ko pero halos 1month ko ng sinurender hindi pa din pa nila binibigay sa akin ang pera ko...😡😡😡
Ff up po kyo sa knila
Too bad. Hard earned money nakakainis talaga.
Sir ung AIA ko is regular pay; I'm on my 9th year, I have plans of terminating this or just getting partial withdrawal and invest it to somewhere else. I'm having 2nd thoughts kasi regular pay (i was told until the day i die ako magbabayad lol); I can't find my agent as well. I hope you can advise me the better way.
Hello Family Secure or Moneyworks ba un plan mo? may mga policies talaga na ganun til age 99 ang payment eh. Though usually yan un malaki ang coverage.
@@djdimaliuatofficial thank you sir for the reply. I think Wealth Secure yon. I have plans to let this go siguro on year 10 kasi I have 2 more existing policies. Yes, malaki coverage nya.
Ahhh it's under WFMA
hi sir please advice me about axelerator,5yrs pay 300k total premium,but then now told me to continue the premium till 10yrs,im worried because the life insurance is only 300k which ever the higher between funds ang premium
I think the coverage is too low then you will have to pay pa beyond 5yrs. Mejo lugi un ah
@@djdimaliuatofficial yes sir masakit sa damdamin kz ignore pa aq n advisor,nsa labas aq ng pinas dq mafull withdraw ung fund value q,
I think they have an online process naman na siguro
@@djdimaliuatofficial thank you sir nagreply kpo,need qna po mag full withdraw my existing plan nmn po aq sa ibang company which is important kz health plan po xa,c axa po sna gamitin q for retirement but now im sad kz from 300k down to 210k in 3yrs,the advisor told me to continue pa tas ang baba lng ng value ng buhay q after
Mababa lang po tlga now kasi nag pandemic e
Paano kung bago plang sir nag policy, 1month plang withdraw ko nalang, kuha ko ba ang nabayad ko
Ndi po if lagpas na ng 15days
Yun na na nga gusto ko e withdraw lagi nila akong pinapa in courage ayaw ko na hanggan muabot NG 1month, grabi tlaga paki usap ko ayaw tlaga bitawan, my habol pa ba akong I laban karapatan ko
@merlynehenry8005 lagpas 15days ndi na sya full refund
Sir dj good day! pls help po. From 820k down to 517k nlng ang VUL ko. Tapos na ang 5yrs ko kaso OFW po ako. Pwed ko po ba e authorized ang beneficiary ko ang mg full withdraw?
Dapat ikaw pa rin ang mag withdraw. Pwede naman ata thru email makipag transact sa insurance company nyo
Mahirap din talaga kapag ang kinuha mo limited pay plan kasi natitigil na ang pagbili ng units kapag natapos na ang term ng pagpapay. Samahan mo pa ng maraming riders. Maisusuggest ko talaga go for whole life pay plan para tuloy tuloy lang pagbili ng units. 😊
I have an Investment/Insurance (since January, 2018) in one of the Insurance companies in the Phils. This coming January, 2023 my 5-year contract worth Php 300,000 which I normally pay the premium monthly of Php 5,000 is about to complete. Just 2 days ago, I received an email from Insurance company that says like this "We made an adjustment in your Set for Life plan with policy number xxxxxxx that resulted in an increase in your insurance plan’s account value. This means a higher total value for your investment in your policy".
What do you mean by this email? Do I have to pay Php 5k continuously even if I have paid completely all the Php300k in January next year? What's your thought about it? Thanks for you reply, Sir DJ.
Yes tuloy lang po yan. Baka tumaas lang account value since investment based sya
Hello po, I’m still a student po nag apply ako last January 12, 2023 sa BPI And I want to withdraw and not to continue with the policy in BPI AIA. I’m a regular payer, 10 months na po yung nabayaran ko and balak ko na pong hindi ituloy. Mga ilang percent po kaya yung mababawas don? Should I continue pa rin po ba or should I stop na? For 10 years to pay din po kasi yun.
Halos wala kayo mawiwithdraw kasi bago plng eh. Pero you may not continue paying
Sir okay po ba si pru life
Ok naman sila kasi one of the top companies naman.
Yung sa akin pababa ng pababa ang fund value, kahit kailan d tumaas, balak ko pong iwithdraw na lang paguwi ko kaysa maubos, naguguluhan ako sir😢nakakasad mag 10 years na sya next year
Wag nyo po e withdraw ma'am if Hindi nyo Naman po gagamitin same tayo pero Ang SA akin running 8yrs lang from 350k down to 160 nlng ngayon minsan bumababa pa. Mas malulugi tayo Kung e withdraw natin tataas din Yan kapag maka recover na Ang economy natin
@@acmjourney sa akin po mula noon d pa pandemic d naman tumaas, pababa lang ng pababa😅pero tama po kayo don na lang muna, pokus na lang sa insurance wag sa fund value para d tayo madissappoint😊salamat po ulit sa payo🙏
Kung single po kayo I withdraw nyo na lang po and put it sa mp2. There's is no.hope for recovery sa vul although may insurance.
Kung insured po kayo ng 2,000,000 for example with critical illness coverage, and pag palagay natin mabubuhay ka ng hanggang 65 years old try to compute po yung ihuhulog mo for since you started until age 65. If tingin mo mas malaki parin yung makukuha ng family mo once na nawala ka compare sa accumulated payment mo until 65 years old, huwag mo po e withdraw. Isipin mo nalang pinag iipunan mo yung maiiwan mo at kung magka medical emergency man ikaw may sasalo sa ibang expenses mo. Ganon nalang po ang mindset na ginagawa ko.
Paanu po malalaman na tumaas ang market?
Kasi ako ng single pay ako
You can check the fund kung saan nka invest un VUL nyo
PRNG OKY RIN VUL. Wla nmn masama.. Kapag sumugal ka.. 😂.. Gnun nmn tlga. Ang importante pasok sa LIFE INSURANCE
Agree
Meron better option to grow your money. Happy lng mga ahente at insurance sa vul malaki kita nila jan
@@mojopojojojo2639nakakatawa ka naman. Bakit mo kasi iisipin na pure investment ang VUL? Isip isip din boy! Hahaha
My VUL down, what to do? If I withdraw or keep it?
If you withdraw you will realize the loss. If you keep it there you have to wait for it to recover. Or do some top ups
Paano po ung sabi ng agent nw 10 years to pay lang kya kshit mahal kumuha ako ng 2policy. Sabi ko bkit wala sa policy kaso too late na nakabayad na ko. Sabi sa opis di daw po 10 years to pay kundi as long as i live magbayad ako unless ung fund nya is enough to pay for my yearly insurance. Nakuwenta ko lugi pa ko 300t pag namatay pero pag nabuhay ako ng 20 years ay 400t na nsibayad ko pero 300t lang mskukuha ko lugi ay kung 30 years ako mabuhay di 600t naibsyad ko pero 300t lsng makukuha ko po, what shd i do
Better withdraw the account value if acceptable na un amount for you
Sir Wala po bang dividend Ang money tree kahit lumagpas na ng 5yrs pataas?
Wala po eh. It's either you withdraw lang or wait
@@djdimaliuatofficial yes po sir for retirement ko nman po yon
Question Sir. If ever po ba withidraw mo and take the loss, mawawala din ba ang coverage ng Insurance mo or ang fund value lang?
Also Sir not in the topic though but very curious, on the whole life insurance, if ever let say you pass more than 100 years old paid all premium, ibibigay pa nila ang coverage insurance mo or cash value or Thank you na lahat yun kc di kana cover after 100 years old.
When you withdraw your VUL, dika na rin magiging insured.
For whole life insurance, you will get only the face amount which will also be equal to the cash value. Isa lang
Salamat
You're welcome
Can the value in my Vul turn 0 ?
Yes its possible if the market crashes or if you're not paying your premium
What if sir nag zero nga fund value if already finish paying the insurance for 15yrs. But before that na widraw na 75% and 25% natira sa fund value..they still invest pa din ba 25% and lano kun mag zero na po..
They still invest un 25% pero pag mag zero na sya wala kna pera nun sa account mo
Sir, suggestions po sa newly grads na insurance. Okay na rin po ba term muna? Para sana sa nephew ko na no budget pa sa matagalan at mahal na bayarin. Thank you!
Ok naman ang Term kung yun lng tlga ang budget. Pero if kaya ng permanent plan na around 20k a year much better to stary with that
@@djdimaliuatofficial Thank you, Sir.
Lugi tlga biro mo half millions mo kinakain nila.
Kaya not advisable na mag invest dyan sa VUL..
Pinagkakakitaan ka lang mga fund manager at agent..
Better MP2 or dividend play sa Kasa stock market!..
D ka nmn bsta widrw s mp2..pg emergency. I think u need to wait nga. Kung VUL.
Boss, magkaiba ang purpose niyang dalawa. Pure investment ang MP2 at ang VUL naman ay may component lang na investment. Aral aral muna boss. 😂
Sir 10 years VUL plan, halimbawa natapos ko na 10 years policy.
Total of 300k lahat ng naipasok ko na investment.
1. Kung i-withdraw ko ba pwedeng kahit 300k din makuha ko (basta natapos ko 10 years)?
2. Kung sakali naman may kita sa investment ano possible na itaas ng 300k na naipasok ko for 10 years (example lang po na amount)?
3. Paano po gagawin para insured pa din ako, kahit na-withdraw ko na lahat ng naipasok ko na amount (basta natapos ko 10 years)?
Medyo lito pa sa VUL plan. New subscriber here.
Thanks in advance Sir.
Great questions!
1. Hindi ito guaranteed eh. Depende kung magkano current account value ng policy mo
2. Possibly 10% ng 300k or less
3. Dapat nakabili ka ng iba pang policy para insured kapa rin kahit iwithdraw mo na in full yun VUL Mo
@@djdimaliuatofficial salamat sa infos sir!
Kayo ba partner ng BPI?
Distributor po ng AIA ang BPI
Sir after 10 years Po ba,walang surcharge pag winidrw ko Yong life ready plus,Nala 6 yrs. na Po Kasi ako,bale 160 k n Po Yong nahulog ko tpos 116k lng Yong fund ko,sinub ukan ko surrender online 31k Yong surcharge so 80 n lng Po Yong matitira,kung I pull out ko Po ba after 10 years walang surcharge,makukuha ko b Yong buong fund value?,sana Po masagot nyo,stress n Po ako😢😢😢,kc Po innisip ko buti kung may trbaho pa ako at the age of 55, kc Hanggang 100 yrs old pa ako magbbayad,576k Po Yong sum n makukuha ko,
Bpi aia Po ako
@cristinacruz720 wala na withdrawal charges pero ndi guaranteed kung ano ang magiging account value mo at that time.
Sir,maraming salamat po sa pagsagot,continue ko n lng po, mag switch fund n lng po Ako, bantayAn ko n lng po,thanks
Dami nag didiscourage na kumuha ng VUL.
Depende yan tlga sa client. Dapat clear lang ang purpose ng pagkuha
Saakin Lima kinuha ko apat Sa mga anak 1 Sa akin . Philam 500k babayad ko 7 years na Ang fund value nalng niya as of 2023 is 370k pag mag widraw daw ako 340k nlng out of 500k Sa akin as mother. Lugi
After 10 years Pala need mo mg top up para insured pa din ako . Mali Ang nasabi Ng agent ko. Sabi niya after ten years is kikuta ako may tubo Pera ko tapos insured pa din ako
@@possitivemomtv7033 same sakin after 5year mababawi na daw 150k na nilagay ko sa fwd now 1month nlng 109 lang laman. tapos sabi dito may bayad pa pala pag winithdraw pag d nmn withdraw continuos pa din bayad kung alam ko lng d na ko pumasok sa ganto ang lau nang computation nila sa nang yari .