Sir marvin, question... it is said, insurance is primarily directed for people who have dependents... so... if I want to prepare for the educational plan for my kids... what would be the best strategy? Though i have some knowledge in mutual funds and stocks, Im not that confident to handle this for my kids education.. my mutual and stocks sana ay saakin lang para kung sakaling magkamali ako... secured parin sana anak ko.. My question is.. Kung ang may kelangan ng insurance, kung nakapangalan sakanila, why insure them if they dont need it? Would it be the best strategy for an educational plan?
This is a sample of healthy talks about VUL sa panahon ngayon ang daming fake gurus at nag bibigay ng feedback regarding VUL pero hindi sila professional or wala naman talaga knowledge mamema lang.
Greetings Marvin Germo, I belive it is me you are refering to in your so called "youtube video" and I just reached out to thank you for the lovely words and education on myself that you've provided to you're amazing community! Thanks again and may you have a splendid rest of your day!
VUL is a combination of renewable term and investment. The other charges decrease but the renewable term will gradually increase over time because the cost of renewable term increases over time. I have VUL. I encourage people to get it. I am sharing this for awareness.
If you are looking for life insurance coverage, get the term insurance (pure life insurance). If your concern is your health, get a health insurance separately. There's a lot out there. If you want your money to grow, invest separately. In short, buy term and invest the difference. The practical way for most of the Filipinos❤
Hi! Thanks for viewing! For more inquiry visit *Master* on (te.l.e.g.r.a.m) if you want to invest tell him that I informed you, good luck 🤝 @ *ladan_lilia.*
this is exactly why non registered person like you shouldnt be giving any kind of financial advice not understanding how to utilize a VUL unless u plan on investing similar to a hedge fund with leverage and aim for significantly higher returns than the normal SP500
Daming galit sa VUL I got VUL but that is because it works for me. I got insurance for my children in case I would die early .. but if ever I live on. They would be on legal age that I don't worry much for their future so I'll just get the matured amount. Even if it doesn't gain much because of the behaviour of stocks. I never wanted to be insured for a lifetime. And I never considered VUL as a primary source of investment. Maybe that is why many are mad. It is a risk. And it is not a pure investment. You are paying the insurance.
May vul ako dati, di ko na tinapos kahit palugi ko na winithdraw, mas lugi kasi kung itutuloy ko, ang pinayaman mo lang yung mga ahente at company nila. Haha kung gusto nyo ng insurance, yung term na lang, wag vul. Mas maganda yung advice sa rampver financials, dun mas may kontrol ka kung kelan mo gusto mag-invest unlike sa vul pag pumalya ka ng bayad, binabawasan na nila yung pera mo.
VUL means you're insured yet forget about getting ALL/EVERYTHING you've paid/premium coz what you'll withdraw is only the FUND VALUE of your policy and NOT everything you've paid. For example your total contribution is 300k. If its account or FUND VALUE is only 100k, that's the only money you'll withdraw. And your account will be permanently closed including your insurance.
i think sir. marvin germo... e-train po nilang mabuti ung mga FA nila kasi the policy holder they are confused about their investment and the other FA ng AXA they didnt explain clearly about VUL....nakakalumgkot lang kasi walang kaalam alam ung ibang policy holder..
Agree ako dito, a lot of people were "promised" na aakyat investment nila tapos may insurance pa. Pero nangyayari kumonti na investment at dahil takot mawalan ng Pera magwiwithdraw mga tao, nawala din tuloy ng insurance. 😢
Vul for almost 5 yrs na, so far ok namn po..sakin kasi di ko iniisip na investment siya...sakin lng kahit papano ay insured ako..after 10 yrs pag ayaw ko na pwd na w withdraw,free of charge na po.monitored ko po yung account ko mababa sa ine expect ko pero di nman ganun kalaki,and that's ok.
Sir Marvin, would you really recommend VUL over BTID? In your case, do you really have a VUL, and if you have, are you happy with its performance? Thanks
In VUL, is it advisable to have riders like health and care? (Critical illnesses and Hospitalization Allowance). Or do I need to have a separate health insurance policy?
Much better if you get a separate policy. If you will attach riders in VUL, it will increase your premium. Some insurance companies, when you get VUL with health riders its either you will pay it whole life or health riders premium are increasing ( every 5 years). Your premium for your riders not part of the investment.
better separate health insurance.. CIB covers you max ahe 65 or 70.. premium cost for the CIB rider is increasing as well.. once not used money back din.. but of you can't afford a separate critical illness insurance, get a CIB rider and if afford mo na ng separate health insurance, den you can remove your CIB rider
If your family has history of any of the critical illness, best to have a critical illness rider. As for Hospitalization allowance riders, I think best get a health insurance separately.
Hi Marvin, thanks for the informative session. Just have a question re: VUL premiums - in most VUL, there is an option to apply a premium holiday after successful completion of premium payments for, let’s say, 10yrs. Once premium holiday is applied, and account value is sufficient to cover cost of insurance, how much is actually being removed from the total fund to maintain coverage? Just want to clarify the point raised in the video that term insurance premiums are recalculated…so, for VUL, premiums aren’t recalculated anymore?
I have a Term 15 and a Term 65 from different companies. The Term 15, they will recalculate the premium at the end of 15 years if I still want to get another 15 years. Of course that will be higher. For my Term 65, the premiums are flat until I turn 65 years old. At which point, I shake hands with my insurer and we both walk away. Meantime. ELSEWHERE, I do my investing with COL and FMS.
@@gilean6179 while I also do regular investments through online brokerage accounts like COL and FMS, worth considering a VUL which can cover you til age 99. The percentage of your wealth in an insurance vehicle is carved out from your estate and will not be subject to hold outs or garnishments.
@@MrDma225 Besides the Term 15 & the Term 65, I also have finished a Whole LIfe insurance (which I paid for 10 years). That covers for whole life (99yo); I got that when I still did not know anything about insurance/investments etc. It appealed to me then because of the coverage until you are very very old. But in retrospect, I consider buying that product now a mistake probably on my part. No one needs an insurance forever, just the early critical years. Buying an expensive VUL when you are young & starting out would have crippled me financially.
@@gilean6179 Let’s breakdown the different insurance product and their purpose. The term insurance is for untimely demise at the early stage of life, while the whole life insurance is for estate planning and wealth distribution. The term insurance will give you the high coverage in the early years. The high coverage is determined as your insurance requirement to provide as replacement to your income for your loved ones in your untimely demise. At some point when your savings and wealth is enough to last for you and your family that is when the term coverage is no longer needed. The whole life insurance’s purpose is cover for: 1. Death expenses, 2. Estate taxes, 3. Wealth distribution. Insurance is effectively a Trust that can be carved out from your taxable estate. We can have a separate discussion about Trust and wealth distribution. To see the value of life insurance, look around for the sad realities of some middle income families hard with lots of properties inherited from grandparents but could not maximize the use or liquidate because they cannot pay the estate taxes. Proper financial planning and life insurance for debts, death expenses and estate taxes could address these problems -- Problems that the next generation could also inherit (and even fight over) in left unattended or unplanned for. Is it worth getting a whole life insurance while you are young? Answer is YES! Because insurance premium is cheaper while you are young. It is important, however, that you buy an insurance that you can afford and that meets your requirements.
Hi sir, question, not sure if na ask na. if you have Extra money and you have both VUL and Stocks, saan mabuting mag add nang money? Stocks na ikaw nagmamanage (COLfinancial) or VUL na yong insurance company.? And why po? Hope mapansin mo yong question ko.
Hello sir Marvin, appreciate your work. Ask ko lang po ano po yung ways and means ninyo to transfer funds to and from i.e. binance and gotrade na secure? Natatakot po kasi ako magdeclare ng debit card details ko pag nag tatransact na ako. I have never tried using these apps before. Also, I am an OFW, seafarer by profession. Ano po yung easiest and hassle-free na pagfinance sa apps that I mentioned? We are not always on land so pahirapan talaga kumuha ng OTP when I have to finance it. Thanks po
Thanks for watching! for more guidance kindly find *Master* on (te.l.e.g.r.a.m) if you want to invest. tell him I referred you good luck..!!🤝@ *Laban_lilia...*
Thank you for this video. Just recently when i found out that the insurance i bought year 2015 is VUL. Been monitoring the changes of the fund value (up and down) and notice when the fund value goes down, the number of units and the unit price also goes down. Thought only unit price change but the number of units is increasing because you pay montly. Is this really how VUL works? Thanks and God Bless
Since the premium for VULs are taken from the account value. The number of units to pay for the cost of insurance might change. For example, if the insurance premium for that year is P1,000 and the per unit is P1, then 1,000 units will be deducted. However, when unit value goes down like in a recession say P. 50 but the cost of insurance is still P1, 000. 2000 units will be deducted since per unit is just half of its original price. That is why units are drained faster during down markets.
I have VUL., Annually po ako nagbabayad ng premium at 50K but after 10 years my fund value is just 417K which is lugi. kasi ang total paid premium ko ang nasa 500k na after 10 years. Basically budol talaga ang VUL, to breakeven the game you have to stay in the VUL for more than 10 years.. Which is sayang ang mga years na walang gain ang investment mo. Management lang ang siguradong may gain monthly regardless of their performance.Yong sa akin na Axa axelerator ay monthly ang management fee deducted directly from fund value. Kung ganon pala ka incompetent ang fund manager dapat ako na lang sana naginvest mismo sa stock market, double na sana or triple na sana ang fund na yan by 10 years. VUL is a legal Scam, insurance agent are fishing those who are not financially knowledgeable sa VUL at other investment platform .Kasi there are lot of investment platforms na mas profitable kaysa VUL, pero hindi ii-offer yan ng mga agent. at in denial pa sila kung maghahanap ka ng term insurance instead of VUL.
Same tau boss. I just talked to an axa rep, phased out na ang axelerator. Di na nila inooffer. Sising sisi na ako. Kung sa bangko, at least kahiit piso may kita. Dito, tapon pera at thousands pa. Am praying hard na mabawi ko pa total premiums na bnayad ko pero mukhang malabo.
San ka nalugi sir? You paid insurance plus you might have invested on the wrong Fund that gives negative returns. Choose your fund wisely that gives 10% yield every year. Top up when the market is down. If you are on the wrong fund that will be a big problem.
Sir, di k po lugi dyn. Imagine insured ka for all those 10 years while paying for ur premiums at nagka 417K k pa. Watch more videos p sir on VUL for u to appreciate how it works! Then, bantayan mo po yng Account Value mo, dpat lging may laman to cover cost of insurance. Wag hayaang mag zero kc mawawala ang lahat sayo including ur life insurance coverage/sum assured
Ang mga financial advisor ,hinde yan nagpapaliwanag , gusto lang nila makabinta, kawawa yong walang alam. Kaya alamin muna bago mag invest, or e business nlng ninyo ang pera ninyo.Dahil kung mawalan kana nang trabaho hinde mo na mahuhulugan, hinde na nila ma e refund ang pera mo. Imbis ang mga investor ang tutubo, hinde e sila ang kakain nang pinaghihirapan mo, kaya bago talga mg invest pag aralan muna.
Hello sir, I have an insurance with VUL. But 5 yrs LNG po ako nkahulog at Ika 10 yrs n po this year. Question po. What would be the impact of this? Is my policy still valid? Will i still get when the policy expires? Thank po in advance.
Check with your FA kung may fund value png natira sa VUL mo. As long as di naubos un ng cost of insurance and charges, pwedeng umaandar parin siya. Kung wala ka naman macontact na FA, message directly sa company. If it has expired or lapsed pwede mo pareinstate or paandarin ulit pero minsan gusto nila bayaran ung na miss na bayad. Pero depende din un sa terms ng kinuha mong insurance. Ano pala naging reason bakit natigil mo pagbabayad? Meron ka bng insurance ngayon?
Hindi nabanggit yung mga fees and charges sa VUL. Kapag umabot ka ng 10 years at nagnegative ang ivestment tapos continuous pa rin ang fees and charges, mawawala yan insurance mo. Kaya hindi ko yan prefer. Napanood ko yan isa ibang video at sa mga forum. Bale, nakalagay yan sa policy mo (yung nakabold ang letters). Huwag tayo invest ng invest. Pinaghirapan nyo yan pera nyo.
Hi sir marvin..... ask ko lang sana tapos na ako sa 5 year vul product at nag stop nako sa pagbabayad ng premiums but my policy is still active.. pwede bang mag top up nalang at hindi na bayaran ung premiums?
Thanks for watching! for more guidance kindly find *Master* on (te.l.e.g.r.a.m) if you want to invest. tell him I referred you good luck..!!!🤝*Ladan_lilia...*
Im on my 2nd year of a 7 year premium policy (VUL) from a certain insurance company. I am planning to withdraw everything I invested within that 7 year period and just get another policy and repeat the process all over again. Is it a good or bad idea, Sir Marvin?
@@CPPidiots if kukuha ka namn ulit ng insurance then same amount of coverage bakit kapa magwiwithdraw.. kasi bka mamaya mas mataas ang value ng price market after7yrs then paginvest mo biglang baba ulit.. pagdating kasi sa VUL dapat namomonetor mo and dapat may maturity period ka.. its wasting a time but kung meron kang paglalagyn na alam mo namng hindi ka lugi ok withdraw it.. computin mo just my opinion lang
Better to just keep the current one and let the fund value pay for the insurance cost. Tawag dun premium holiday. Better if the money you were paying for it will be used to get a new insurance or put it into investments
SA TINGIN KO KUNG MATAGAL KA NA NAGHUHULOG SA VUL MORE THAN 5 YEARS, KUNG TITINGNAN MO UNG FUND VALUE MO SA ACCOUNT MO AT ICOCOMPARE MO SA TOTAL NG HINULOG MO TALAGA AY DI SYA TUGMA SABIHIN NA NATIN NA NAGHULOG KA NA FOR 5 YEARS TOTAL OF 100 K NA HULOG MO PERO SA FUND VALUE MO 50K PLUS LANG GAWA SA CHARGES NG VUL KUNG ITETERMINATE MO NA AGAD TALO KA NA NG 50K TAMA PO BA? KAYA IPAGPATULOY MO NA LANG
Sir question, yung top up po ba bukod dun sa investment product na binibili ng premium mo. yung Top up ba ay pwede mo ibili sa other investment product or doon lang sa investment product na under your contract policy
I'm new to all of this and I got VUL just recently. I've seen and heard a lot of negative comments about VUL, would just like to ask what necessarily is bad about VUL? Thanks for the response :)
Personally as VUL insurance holder.. as investment kailangan mo din e watch out kung saan e allocate ang fund mo. Basically kase, ipasok lng nila sa Equity.. pero kung ok naman ang equity hayaan mo na. As investment sa sarili, Medyo mahina ang VUL.. VUL is for our dependent, like paano kung bigla ka nalng mawala.. at kung paano kung abutin mo ang 100? Both is safe ka sa VUL at panalo ka dito. Yung trick sa VUL is pay in advance quarterly, para makahabol ka buying of units . Kase yung sa akin ganun. I have a calculation na yung amount value ko for first year is 12, 425 in first year at 10 percent. Pero yung nangyari sa akin is 48,000 yung first year ko. Lakasan mo lng talaga ang loob mo sa VUL, para sa mahal mo sa buhay kung maaga kng mawala.. o para sayo kung Abutin mo ang 100 years😊😊
At kailangan talaga na i print out ang policy.. at e review para iwas pakipagtalo sa agent. Kase nandyan lahat.. minsan ang agent kulang kulang ang sabi.
Ako din n nag aalangan kung itutuloy ko pa b ung akin. Kumuha ako ng insurance with investment un pala vuL na ang labas nun.. Ang dami ko ding nbbsa na nega about VuL mas gsto ko nlang sna term insurance nlang kaso ang sabi ni agent lugi daw ako dahil wat if wla nman mangyre sakin patuloy parin ako maghhulog s insurance ko unlike pag my vuL may kita p ako kumbga may aasahan ako in the future maht na wla mangyre sakin n msama
@@christinedellosa1654 kahit walang magyari sayo? Thats the sense na maliit din ang binabayaran. Sa VUL kase, ganito yun. Pag ang monthly mo is 1000, automatic missing na dyan ang 200.(yung parang case nang term insurance) yung 800 mapunta yan sa investment. Bawas pan yan dyan ang fees.. again if you think VUL as investment to go you further lugi po talaga. You get VUL if care sa maiwan mo na mahal sa buhay kung bigla ka nalang palarin. O para sa old age mo kung abutin ka nang 80 years old. Kase ang 500 k mo na kinuha nang VUL when you were 30 or 40, pag 80 mo nasa 2-3M na yan. Kukuha ka talaga nang VUL for back up, kung di pa palarin, o kung palarin ka din. Besides marami kasing riders ang VUL. Meron yang critical illness, emergency hospitalization at accident. Where is sa term, dapat kang mamili nang isa lng na cover sa iyo.
What is bad? Kung hindi ka maghuhulog nang on time, may penalty at binabawas sa investment money mo. Another is, bad investment manager- dapat ikaw mismo e print mo ang policy. Bad ang VUL kung sa beginning inallocate nang insurance agent mo sa mataas na NAvPU. Maliit kikitain mo. But makabawi ka din later. At very Bad pag hindi mo na print out ang Policy agad. E print mo at basahin kung angkop sayo para maka cancel mo agad agad before maghulog nang 2nd month
sir i have philam life money tree and vul i planning to cancel my vul and keep my money tree is it more advisable? kac criticsl illness only 288k and im paying 40k a year and after with 577k for face amount im single wala plano mag asawa. i just got it because i thought A and h means ospitalization f ma aksadante o mag ka health issue. i think ill cancel it na lng and make my pagibig mp2 na lng ang aking health. my money tree for investment. i also got discourage because i thought i do not need to pay anything after 10 years of payment
I am not sir Marvin but I want to help. How long have you been paying for your VUL? I think it is still best to have a health insurance coverage lalo na if your concern about critical illnesses and hospitalization. If you want an insurance na di na kailangan magbayad after 10 years, meron tawag na limited pay whole life. Pwede mo un bayaran ng 10 or 20 year at covered ka na up to age 100. No need to pay additional after the 10 or 20 years.
Mp2 is more on investment din since kung ano lang din ung pinasok mo un din ang makukuha mo just in case may health concern. Kaya for health mas ok parin may health insurance na hindi VUL para malaki coverage pero di ganun kamahal. If you want to more we can chat somewhere else para matulungan kita.
I was 42 nang kumuha ako nang VUL.. medyo mataas lang ang Premuim.. nasa 83K per annum. Maswerte lang ako sa Market, nang pagkuha ko.. after 40percent charge on the first year. May money grow actually.. instead of 12K amount value sana.. nakakuha ako nang 54K. Pero binayaran ko kase nang buo ang isang taon. The following year nag quarterly na ako. Kailangan mo talaga diskartehan
"Market Volatility" is an ovestatement commonly used by financial advisors. I expect the same pronouncement over the next thousand of years to come from them. Are policy owners nothing but a source of incentives and commissions to them? It is very clear that VUL investment is a waste of money. No such thing as earning more than the total premiums you've paid. Am living in regret for investing in VUL. Should have just bought the plain term insurance instead.
VUL is for high income earners. Why? Because of the expensive premium and uncertainty of returns. If you’re someone earning 20K a month. It is more practical to buy term and invest the rest to safer and flexible investments like MP2, retail bonds, bond funds, digital banks, and time deposits. The fees and charges in VUL will eat up whatever gain your funds will have.
Dba Yan Po Yung pag namatay ka at nag kasakit may makukuha Yung pamilya mo pampagamot mo at pambili ng kabaong ?😊 Ask lang Po. Kasi 10 years na Po ako nakahulog need mo Muna Pala mag kasakit at mamatay bago mo mapakinbangan ung naihulog mo? Tama Po ba ?
Depends upon the purpose for putting it there. If you are in it just for the investment, better to place it in other investments since there is still insurance cost. However, if you want both the investment and the advantage of the insurance, then VUL single pay is good even at that age. If you want a detailed explanation we can set an appointment online. 🙂
5 years bbyran ung vul ko and now im on my 4th year ng pgbbyad and when I computed lugi pa ako sa fund value n meron ako.its better to continue or withdraw nlng ung fund value and put it to term insurance ?
For me na may investment sa stock market, hindi ka naman lugi as long as hindi mo sya ibebenta at a lower price or withdraw. Paper loss lang naman sya so hindi mo naman masasabing lugi lalo na at may insurance na kasama. It's like hitting 2 birds in 1 stone. I don't have VUL, but I'm planning to have
@Marvin Germo Hello sir your my great inspiration in my life today. I almost watched all your videos here in RUclips. Hopefully pag mag-transfer ako sa BGC this year makita kita and makajoin sa one of your training. I really wish and wanted maging mentor din kita.
Guys just buy term insurance and invest your extra money.. Dont go to VUL 80 percent of your money will go to payments not in your investments. This is what insurance company didnt tell you. It is not your agents fault it's how company trained them.
as you financial iq grows. you will realize there are much better option that offer cheaper better protection. The investment side is what makes vul hated
@@israels.m.3361 siguro u can explin to me better. Di ko kc mhgilap fa ko, naalok lng ako sa metrobank nung nag open ako ng savings acct. Vul yta ung binenta nya, skin, 3k monthly auto debit pero 5 yrs lng ang pinili ko kc im not sure kung kaya ko magbayad for 10 years. Pano ko ba malalaman mgkano na ung value nun ngaun. Mag 3 yrs n ko next month. Taz mgkano din insurance mkukuha ng beneficiary ko if bigla ako nadeds😁.
@@israels.m.3361 i don't even know ano mismo un product😌....sad to say wala ako sa wisyo nung time n inofferan ako...bsta sabi nya investment..helpful daw since ofw ako para my sure savings ako pag tumigil n ko mag abroad. Ako nmn cge pirma...😌
@@lenniedalwampo2354 if you have a digital copy of the policy you can send it to me so I can conduct a policy review. If not ask a copy from you advisor.
Hi! Thanks for viewing! For more inquiry visit *Master* on (te.l.e.g.r.a.m) if you want to invest tell him that I informed you, good luck 🤝 @ *ladan_lilia.*
I tried getting a partial withdrawal on my BPI Philam. And there is a charge of 80% to the amount that you will be getting. Example: I got 25,000 and another 20k was deducted from my total value amount. It will be my 3rd year in paying the premium.
Kumusta salamat sa panonood! maaari mong maabot ang *Master* sa (telegram) kung nais mong mamuhunan. sabihin mo sa kanya pinadalhan kita. @ *ladan_lilia*
natatawa tong guy na ito trying to sell a shit product...many years ago our hospital invited some speakers from COL financial. Thank God for those smart guys they saved me from these VULs. They talked about stock investing & trading. They were asked regarding this 'hot new product' VUL if they were any good. Those guys smoothly replied that you can get both components of a VUL cheaper separately. Right there and then I did not understand what they said but later on with enough studying I figured out what they were saying. I have been with COL x 10 years. I have a Term that I plan to keep up to only a certain period of time. You dont need insurance for your entire life. Just the crucial early years of starting work. True you need discipline in investing but that goes for everything in life.
Hi, Hope you are doing okay. My name is John Ylbert from SunLife, Financial Advisor. Mayroon kasi kameng SunLife Program na binibigay for free lalo sa mga millennials like you. Nae-excite ako na idiscuss ito sa iyo. Hope to get a response from you para mashare ko sa iyo ito through an online discussion. Salamat!
![VUL INSURANCE EXPLAINED! [Part 1] - Jason Gutierrez](http://i.ytimg.com/vi/E1BZbtvWFxs/mqdefault.jpg)
Here part 1 of our life insuranec series - ruclips.net/video/LaT7FblNOhU/видео.html
Sir marvin, question... it is said, insurance is primarily directed for people who have dependents... so... if I want to prepare for the educational plan for my kids... what would be the best strategy?
Though i have some knowledge in mutual funds and stocks, Im not that confident to handle this for my kids education.. my mutual and stocks sana ay saakin lang para kung sakaling magkamali ako... secured parin sana anak ko..
My question is..
Kung ang may kelangan ng insurance, kung nakapangalan sakanila, why insure them if they dont need it? Would it be the best strategy for an educational plan?
This is a sample of healthy talks about VUL sa panahon ngayon ang daming fake gurus at nag bibigay ng feedback regarding VUL pero hindi sila professional or wala naman talaga knowledge mamema lang.
Greetings Marvin Germo, I belive it is me you are refering to in your so called "youtube video" and I just reached out to thank you for the lovely words and education on myself that you've provided to you're amazing community! Thanks again and may you have a splendid rest of your day!
Hi Sir Marvin waiting for your discussion. Its very interesting 👍
VUL is a combination of renewable term and investment. The other charges decrease but the renewable term will gradually increase over time because the cost of renewable term increases over time. I have VUL. I encourage people to get it. I am sharing this for awareness.
Thanks for sharing
If you are looking for life insurance coverage, get the term insurance (pure life insurance).
If your concern is your health, get a health insurance separately. There's a lot out there.
If you want your money to grow, invest separately.
In short, buy term and invest the difference. The practical way for most of the Filipinos❤
Hi! Thanks for viewing! For more inquiry visit *Master* on (te.l.e.g.r.a.m) if you want to invest tell him that I informed you, good luck 🤝 @ *ladan_lilia.*
this is exactly why non registered person like you shouldnt be giving any kind of financial advice not understanding how to utilize a VUL unless u plan on investing similar to a hedge fund with leverage and aim for significantly higher returns than the normal SP500
Daming galit sa VUL
I got VUL but that is because it works for me. I got insurance for my children in case I would die early .. but if ever I live on. They would be on legal age that I don't worry much for their future so I'll just get the matured amount. Even if it doesn't gain much because of the behaviour of stocks.
I never wanted to be insured for a lifetime. And I never considered VUL as a primary source of investment. Maybe that is why many are mad.
It is a risk. And it is not a pure investment. You are paying the insurance.
May vul ako dati, di ko na tinapos kahit palugi ko na winithdraw, mas lugi kasi kung itutuloy ko, ang pinayaman mo lang yung mga ahente at company nila. Haha kung gusto nyo ng insurance, yung term na lang, wag vul. Mas maganda yung advice sa rampver financials, dun mas may kontrol ka kung kelan mo gusto mag-invest unlike sa vul pag pumalya ka ng bayad, binabawasan na nila yung pera mo.
Pkiexplain Po Ng single pay VUL please
Sir Marvin,pwede nyo din po ba discuss yung IMG?thank you po.
Thanks for the suggestions! You have any insurance questions?
VUL means you're insured yet forget about getting ALL/EVERYTHING you've paid/premium coz what you'll withdraw is only the FUND VALUE of your policy and NOT everything you've paid. For example your total contribution is 300k. If its account or FUND VALUE is only 100k, that's the only money you'll withdraw. And your account will be permanently closed including your insurance.
Very helpful! thank you gentlemen!
i think sir. marvin germo... e-train po nilang mabuti ung mga FA nila kasi the policy holder they are confused about their investment and the other FA ng AXA they didnt explain clearly about VUL....nakakalumgkot lang kasi walang kaalam alam ung ibang policy holder..
Agree ako dito, a lot of people were "promised" na aakyat investment nila tapos may insurance pa. Pero nangyayari kumonti na investment at dahil takot mawalan ng Pera magwiwithdraw mga tao, nawala din tuloy ng insurance. 😢
Vul for almost 5 yrs na, so far ok namn po..sakin kasi di ko iniisip na investment siya...sakin lng kahit papano ay insured ako..after 10 yrs pag ayaw ko na pwd na w withdraw,free of charge na po.monitored ko po yung account ko mababa sa ine expect ko pero di nman ganun kalaki,and that's ok.
Ano pong insurance compny mo?
Sa sunlife hindi daw totoo yung sales pitch nila na 10 years lang babayaran. Meron pa din babayarin after.
kaya its a no for VUL 🤦
BTID much better and cheaper 👌
@@nemesiofenomeno6804 Oh yes...True.
So whats going to happen after that?
I just bought VUL from sun and quarterly payment. 2nd quarter.
Any suggestions. Thanks
@@dalumfitnessph i have no idea, my FA is unreachable
What to do? I've just started my VUL po at di nga naexplain sakin ng FA ko yan now nag aalala ako
Sir Marvin, would you really recommend VUL over BTID? In your case, do you really have a VUL, and if you have, are you happy with its performance? Thanks
In VUL, is it advisable to have riders like health and care? (Critical illnesses and Hospitalization Allowance). Or do I need to have a separate health insurance policy?
Great question!! I wanna make a video on this! Any other questions?
Much better if you get a separate policy. If you will attach riders in VUL, it will increase your premium. Some insurance companies, when you get VUL with health riders its either you will pay it whole life or health riders premium are increasing ( every 5 years). Your premium for your riders not part of the investment.
better separate health insurance.. CIB covers you max ahe 65 or 70.. premium cost for the CIB rider is increasing as well.. once not used money back din.. but of you can't afford a separate critical illness insurance, get a CIB rider and if afford mo na ng separate health insurance, den you can remove your CIB rider
yung siomai mo kay Master Siomai mo bilhin; yung pancit mo kay Pancit republic; huwag kay Chowking pareho...
If your family has history of any of the critical illness, best to have a critical illness rider. As for Hospitalization allowance riders, I think best get a health insurance separately.
Hi Marvin, thanks for the informative session. Just have a question re: VUL premiums - in most VUL, there is an option to apply a premium holiday after successful completion of premium payments for, let’s say, 10yrs. Once premium holiday is applied, and account value is sufficient to cover cost of insurance, how much is actually being removed from the total fund to maintain coverage? Just want to clarify the point raised in the video that term insurance premiums are recalculated…so, for VUL, premiums aren’t recalculated anymore?
This is a good video topic to explain allow me to make this for you.
I have a Term 15 and a Term 65 from different companies. The Term 15, they will recalculate the premium at the end of 15 years if I still want to get another 15 years. Of course that will be higher. For my Term 65, the premiums are flat until I turn 65 years old. At which point, I shake hands with my insurer and we both walk away. Meantime. ELSEWHERE, I do my investing with COL and FMS.
@@gilean6179 while I also do regular investments through online brokerage accounts like COL and FMS, worth considering a VUL which can cover you til age 99. The percentage of your wealth in an insurance vehicle is carved out from your estate and will not be subject to hold outs or garnishments.
@@MrDma225 Besides the Term 15 & the Term 65, I also have finished a Whole LIfe insurance (which I paid for 10 years). That covers for whole life (99yo); I got that when I still did not know anything about insurance/investments etc. It appealed to me then because of the coverage until you are very very old. But in retrospect, I consider buying that product now a mistake probably on my part. No one needs an insurance forever, just the early critical years. Buying an expensive VUL when you are young & starting out would have crippled me financially.
@@gilean6179 Let’s breakdown the different insurance product and their purpose. The term insurance is for untimely demise at the early stage of life, while the whole life insurance is for estate planning and wealth distribution. The term insurance will give you the high coverage in the early years. The high coverage is determined as your insurance requirement to provide as replacement to your income for your loved ones in your untimely demise. At some point when your savings and wealth is enough to last for you and your family that is when the term coverage is no longer needed. The whole life insurance’s purpose is cover for: 1. Death expenses, 2. Estate taxes, 3. Wealth distribution. Insurance is effectively a Trust that can be carved out from your taxable estate. We can have a separate discussion about Trust and wealth distribution. To see the value of life insurance, look around for the sad realities of some middle income families hard with lots of properties inherited from grandparents but could not maximize the use or liquidate because they cannot pay the estate taxes. Proper financial planning and life insurance for debts, death expenses and estate taxes could address these problems -- Problems that the next generation could also inherit (and even fight over) in left unattended or unplanned for.
Is it worth getting a whole life insurance while you are young? Answer is YES! Because insurance premium is cheaper while you are young. It is important, however, that you buy an insurance that you can afford and that meets your requirements.
Hi sir, question, not sure if na ask na. if you have Extra money and you have both VUL and Stocks, saan mabuting mag add nang money? Stocks na ikaw nagmamanage (COLfinancial) or VUL na yong insurance company.? And why po? Hope mapansin mo yong question ko.
Mag MP2 Ka nalang
Hello sir Marvin, appreciate your work.
Ask ko lang po ano po yung ways and means ninyo to transfer funds to and from i.e. binance and gotrade na secure? Natatakot po kasi ako magdeclare ng debit card details ko pag nag tatransact na ako. I have never tried using these apps before. Also, I am an OFW, seafarer by profession. Ano po yung easiest and hassle-free na pagfinance sa apps that I mentioned? We are not always on land so pahirapan talaga kumuha ng OTP when I have to finance it. Thanks po
Oh i have not taken out any money yet, specially for crypto -- i do not plant to bring them back to fiat anymore.
very informative thanks Marvin :)
Thanks for watching! for more guidance kindly find *Master* on (te.l.e.g.r.a.m) if you want to invest. tell him I referred you good luck..!!🤝@ *Laban_lilia...*
Sir Marvin, looking forward for your spotify podcast.
@@user-wc8co7xr4h lol poser
Thank you for this video. Just recently when i found out that the insurance i bought year 2015 is VUL. Been monitoring the changes of the fund value (up and down) and notice when the fund value goes down, the number of units and the unit price also goes down. Thought only unit price change but the number of units is increasing because you pay montly. Is this really how VUL works? Thanks and God Bless
Since the premium for VULs are taken from the account value. The number of units to pay for the cost of insurance might change. For example, if the insurance premium for that year is P1,000 and the per unit is P1, then 1,000 units will be deducted. However, when unit value goes down like in a recession say P. 50 but the cost of insurance is still P1, 000. 2000 units will be deducted since per unit is just half of its original price. That is why units are drained faster during down markets.
I have VUL., Annually po ako nagbabayad ng premium at 50K but after 10 years my fund value is just 417K which is lugi. kasi ang total paid premium ko ang nasa 500k na after 10 years. Basically budol talaga ang VUL, to breakeven the game you have to stay in the VUL for more than 10 years.. Which is sayang ang mga years na walang gain ang investment mo. Management lang ang siguradong may gain monthly regardless of their performance.Yong sa akin na Axa axelerator ay monthly ang management fee deducted directly from fund value. Kung ganon pala ka incompetent ang fund manager dapat ako na lang sana naginvest mismo sa stock market, double na sana or triple na sana ang fund na yan by 10 years. VUL is a legal Scam, insurance agent are fishing those who are not financially knowledgeable sa VUL at other investment platform .Kasi there are lot of investment platforms na mas profitable kaysa VUL, pero hindi ii-offer yan ng mga agent. at in denial pa sila kung maghahanap ka ng term insurance instead of VUL.
Same tau boss. I just talked to an axa rep, phased out na ang axelerator. Di na nila inooffer. Sising sisi na ako. Kung sa bangko, at least kahiit piso may kita. Dito, tapon pera at thousands pa. Am praying hard na mabawi ko pa total premiums na bnayad ko pero mukhang malabo.
San ka nalugi sir? You paid insurance plus you might have invested on the wrong Fund that gives negative returns. Choose your fund wisely that gives 10% yield every year. Top up when the market is down. If you are on the wrong fund that will be a big problem.
Totally true I lost 100k now and am still losing.
So trueee.. Ung fa ko ito tlga iniinsist nla ang vul..sa dami ng nbbsa ko ang laki ng commision nla dito
Sir, di k po lugi dyn. Imagine insured ka for all those 10 years while paying for ur premiums at nagka 417K k pa. Watch more videos p sir on VUL for u to appreciate how it works! Then, bantayan mo po yng Account Value mo, dpat lging may laman to cover cost of insurance. Wag hayaang mag zero kc mawawala ang lahat sayo including ur life insurance coverage/sum assured
Thanks sir marvin! Algo algo algo algo!!!!😊
Algo!!!!
Ang mga financial advisor ,hinde yan nagpapaliwanag , gusto lang nila makabinta, kawawa yong walang alam. Kaya alamin muna bago mag invest, or e business nlng ninyo ang pera ninyo.Dahil kung mawalan kana nang trabaho hinde mo na mahuhulugan, hinde na nila ma e refund ang pera mo. Imbis ang mga investor ang tutubo, hinde e sila ang kakain nang pinaghihirapan mo, kaya bago talga mg invest pag aralan muna.
Hello sir, I have an insurance with VUL. But 5 yrs LNG po ako nkahulog at Ika 10 yrs n po this year. Question po. What would be the impact of this? Is my policy still valid? Will i still get when the policy expires? Thank po in advance.
Check with your FA kung may fund value png natira sa VUL mo. As long as di naubos un ng cost of insurance and charges, pwedeng umaandar parin siya. Kung wala ka naman macontact na FA, message directly sa company.
If it has expired or lapsed pwede mo pareinstate or paandarin ulit pero minsan gusto nila bayaran ung na miss na bayad. Pero depende din un sa terms ng kinuha mong insurance.
Ano pala naging reason bakit natigil mo pagbabayad? Meron ka bng insurance ngayon?
Paano po kung tuloy tuloy bumagsak ang pse, ok pa rin po ba ang vul?
It is better to diversify your investment like 50% local 50% global to be able to diversify the risk. It depends on your risk profile.
It depends on your allocation - if you have a lot of bonds - no effect as much
If you have equity - similar to Mfs good way to topup and add a lot.
Hindi nabanggit yung mga fees and charges sa VUL. Kapag umabot ka ng 10 years at nagnegative ang ivestment tapos continuous pa rin ang fees and charges, mawawala yan insurance mo. Kaya hindi ko yan prefer. Napanood ko yan isa ibang video at sa mga forum. Bale, nakalagay yan sa policy mo (yung nakabold ang letters). Huwag tayo invest ng invest. Pinaghirapan nyo yan pera nyo.
Hi sir marvin..... ask ko lang sana tapos na ako sa 5 year vul product at nag stop nako sa pagbabayad ng premiums but my policy is still active.. pwede bang mag top up nalang at hindi na bayaran ung premiums?
I believe when you top up it allows you to buy more equity / bonds
Thank you Marvin, this is very helpful.
Thanks for watching! for more guidance kindly find *Master* on (te.l.e.g.r.a.m) if you want to invest. tell him I referred you good luck..!!!🤝*Ladan_lilia...*
In General there is risk if we combine between Life Insurance and Invesent.
Im on my 2nd year of a 7 year premium policy (VUL) from a certain insurance company. I am planning to withdraw everything I invested within that 7 year period and just get another policy and repeat the process all over again. Is it a good or bad idea, Sir Marvin?
Would be nice to keep the current one as you have paid for the premiums already.
@@CPPidiots if kukuha ka namn ulit ng insurance then same amount of coverage bakit kapa magwiwithdraw.. kasi bka mamaya mas mataas ang value ng price market after7yrs then paginvest mo biglang baba ulit.. pagdating kasi sa VUL dapat namomonetor mo and dapat may maturity period ka.. its wasting a time but kung meron kang paglalagyn na alam mo namng hindi ka lugi ok withdraw it.. computin mo just my opinion lang
Better to just keep the current one and let the fund value pay for the insurance cost. Tawag dun premium holiday. Better if the money you were paying for it will be used to get a new insurance or put it into investments
SA TINGIN KO KUNG MATAGAL KA NA NAGHUHULOG SA VUL MORE THAN 5 YEARS, KUNG TITINGNAN MO UNG FUND VALUE MO SA ACCOUNT MO AT ICOCOMPARE MO SA TOTAL NG HINULOG MO TALAGA AY DI SYA TUGMA SABIHIN NA NATIN NA NAGHULOG KA NA FOR 5 YEARS TOTAL OF 100 K NA HULOG MO PERO SA FUND VALUE MO 50K PLUS LANG GAWA SA CHARGES NG VUL KUNG ITETERMINATE MO NA AGAD TALO KA NA NG 50K TAMA PO BA? KAYA IPAGPATULOY MO NA LANG
Masakit yung surrender charges nila pag kinailangan mo mag waithdraw say i. 5 10 years span
People will be kicking themselves in few weeks if they miss the opportunity to buy and invest in cryptocurrency
Investing in cryptocurrency is one of the best chance of making money 💸
Stocks are good crypto is better
That won't bother you if you trade with a professional like Mrs Heather Allen
I heard her strategies are really good
She has really made a good name for herself
Hi sir marvin germo is it the same as supperanuation ng Australia?
@Mavín Germo this guy! Hahah
Sir question, yung top up po ba bukod dun sa investment product na binibili ng premium mo. yung Top up ba ay pwede mo ibili sa other investment product or doon lang sa investment product na under your contract policy
kung ano fund allocation mo sa policy mo, so dun din malalagay top ups mo
Kung VUL naman yan pwede mo kontakin FA mo at papalit ung allocation ng future premiums mo.
I'm new to all of this and I got VUL just recently. I've seen and heard a lot of negative comments about VUL, would just like to ask what necessarily is bad about VUL? Thanks for the response :)
Personally as VUL insurance holder.. as investment kailangan mo din e watch out kung saan e allocate ang fund mo. Basically kase, ipasok lng nila sa Equity.. pero kung ok naman ang equity hayaan mo na. As investment sa sarili, Medyo mahina ang VUL.. VUL is for our dependent, like paano kung bigla ka nalng mawala.. at kung paano kung abutin mo ang 100? Both is safe ka sa VUL at panalo ka dito.
Yung trick sa VUL is pay in advance quarterly, para makahabol ka buying of units . Kase yung sa akin ganun. I have a calculation na yung amount value ko for first year is 12, 425 in first year at 10 percent. Pero yung nangyari sa akin is 48,000 yung first year ko. Lakasan mo lng talaga ang loob mo sa VUL, para sa mahal mo sa buhay kung maaga kng mawala.. o para sayo kung Abutin mo ang 100 years😊😊
At kailangan talaga na i print out ang policy.. at e review para iwas pakipagtalo sa agent. Kase nandyan lahat.. minsan ang agent kulang kulang ang sabi.
Ako din n nag aalangan kung itutuloy ko pa b ung akin. Kumuha ako ng insurance with investment un pala vuL na ang labas nun.. Ang dami ko ding nbbsa na nega about VuL mas gsto ko nlang sna term insurance nlang kaso ang sabi ni agent lugi daw ako dahil wat if wla nman mangyre sakin patuloy parin ako maghhulog s insurance ko unlike pag my vuL may kita p ako kumbga may aasahan ako in the future maht na wla mangyre sakin n msama
@@christinedellosa1654 kahit walang magyari sayo? Thats the sense na maliit din ang binabayaran. Sa VUL kase, ganito yun. Pag ang monthly mo is 1000, automatic missing na dyan ang 200.(yung parang case nang term insurance) yung 800 mapunta yan sa investment. Bawas pan yan dyan ang fees.. again if you think VUL as investment to go you further lugi po talaga. You get VUL if care sa maiwan mo na mahal sa buhay kung bigla ka nalang palarin. O para sa old age mo kung abutin ka nang 80 years old. Kase ang 500 k mo na kinuha nang VUL when you were 30 or 40, pag 80 mo nasa 2-3M na yan.
Kukuha ka talaga nang VUL for back up, kung di pa palarin, o kung palarin ka din.
Besides marami kasing riders ang VUL. Meron yang critical illness, emergency hospitalization at accident. Where is sa term, dapat kang mamili nang isa lng na cover sa iyo.
What is bad? Kung hindi ka maghuhulog nang on time, may penalty at binabawas sa investment money mo. Another is, bad investment manager- dapat ikaw mismo e print mo ang policy. Bad ang VUL kung sa beginning inallocate nang insurance agent mo sa mataas na NAvPU. Maliit kikitain mo. But makabawi ka din later.
At very Bad pag hindi mo na print out ang Policy agad. E print mo at basahin kung angkop sayo para maka cancel mo agad agad before maghulog nang 2nd month
sir i have philam life money tree and vul i planning to cancel my vul and keep my money tree is it more advisable? kac criticsl illness only 288k and im paying 40k a year and after with 577k for face amount im single wala plano mag asawa. i just got it because i thought A and h means ospitalization f ma aksadante o mag ka health issue. i think ill cancel it na lng and make my pagibig mp2 na lng ang aking health. my money tree for investment. i also got discourage because i thought i do not need to pay anything after 10 years of payment
pls reply pls
I am not sir Marvin but I want to help. How long have you been paying for your VUL?
I think it is still best to have a health insurance coverage lalo na if your concern about critical illnesses and hospitalization. If you want an insurance na di na kailangan magbayad after 10 years, meron tawag na limited pay whole life. Pwede mo un bayaran ng 10 or 20 year at covered ka na up to age 100. No need to pay additional after the 10 or 20 years.
Mp2 is more on investment din since kung ano lang din ung pinasok mo un din ang makukuha mo just in case may health concern. Kaya for health mas ok parin may health insurance na hindi VUL para malaki coverage pero di ganun kamahal. If you want to more we can chat somewhere else para matulungan kita.
Good day Sir. I just want to ask if VUL fits me, i mean i'm 42 y/o already 😅 i just want to know your opinion Sir. Thank you and more power.
I was 42 nang kumuha ako nang VUL.. medyo mataas lang ang Premuim.. nasa 83K per annum. Maswerte lang ako sa Market, nang pagkuha ko.. after 40percent charge on the first year. May money grow actually.. instead of 12K amount value sana.. nakakuha ako nang 54K. Pero binayaran ko kase nang buo ang isang taon. The following year nag quarterly na ako. Kailangan mo talaga diskartehan
"Market Volatility" is an ovestatement commonly used by financial advisors. I expect the same pronouncement over the next thousand of years to come from them. Are policy owners nothing but a source of incentives and commissions to them? It is very clear that VUL investment is a waste of money. No such thing as earning more than the total premiums you've paid. Am living in regret for investing in VUL. Should have just bought the plain term insurance instead.
VUL is for high income earners.
Why? Because of the expensive premium and uncertainty of returns.
If you’re someone earning 20K a month. It is more practical to buy term and invest the rest to safer and flexible investments like MP2, retail bonds, bond funds, digital banks, and time deposits.
The fees and charges in VUL will eat up whatever gain your funds will have.
Lets Go VUL!
Push!!!!!
Dba Yan Po Yung pag namatay ka at nag kasakit may makukuha Yung pamilya mo pampagamot mo at pambili ng kabaong ?😊 Ask lang Po. Kasi 10 years na Po ako nakahulog need mo Muna Pala mag kasakit at mamatay bago mo mapakinbangan ung naihulog mo? Tama Po ba ?
Is it okay to get a VUL single pay with monthly pay out if you are already 60
Depends upon the purpose for putting it there. If you are in it just for the investment, better to place it in other investments since there is still insurance cost. However, if you want both the investment and the advantage of the insurance, then VUL single pay is good even at that age. If you want a detailed explanation we can set an appointment online. 🙂
Gngwa nilang komplikado ang vul pra mtake advantage ung ibang tao n not well educated bout vul..
5 years bbyran ung vul ko and now im on my 4th year ng pgbbyad and when I computed lugi pa ako sa fund value n meron ako.its better to continue or withdraw nlng ung fund value and put it to term insurance ?
That’s a good question, will try to make a video
For me na may investment sa stock market, hindi ka naman lugi as long as hindi mo sya ibebenta at a lower price or withdraw. Paper loss lang naman sya so hindi mo naman masasabing lugi lalo na at may insurance na kasama. It's like hitting 2 birds in 1 stone. I don't have VUL, but I'm planning to have
I dis agree on education fund. What if they were scholars? sayang bayad
Then you can use the proceeds of the investments for other goals.
@Marvin Germo Hello sir your my great inspiration in my life today. I almost watched all your videos here in RUclips. Hopefully pag mag-transfer ako sa BGC this year makita kita and makajoin sa one of your training. I really wish and wanted maging mentor din kita.
Guys just buy term insurance and invest your extra money..
Dont go to VUL
80 percent of your money will go to payments not in your investments.
This is what insurance company didnt tell you. It is not your agents fault it's how company trained them.
as you financial iq grows. you will realize there are much better option that offer cheaper better protection. The investment side is what makes vul hated
So what should i do sa existing VUL ko? I have 1 policy palang and quarterly ang bayad ko. VUL. Please help.
What's your concern sa VUL mo? I might help
@@israels.m.3361 siguro u can explin to me better. Di ko kc mhgilap fa ko, naalok lng ako sa metrobank nung nag open ako ng savings acct. Vul yta ung binenta nya, skin, 3k monthly auto debit pero 5 yrs lng ang pinili ko kc im not sure kung kaya ko magbayad for 10 years. Pano ko ba malalaman mgkano na ung value nun ngaun. Mag 3 yrs n ko next month. Taz mgkano din insurance mkukuha ng beneficiary ko if bigla ako nadeds😁.
@@lenniedalwampo2354 What is the name of the product and ano coverages mga inavail mo? So I could dig dipper about the product.
@@israels.m.3361 i don't even know ano mismo un product😌....sad to say wala ako sa wisyo nung time n inofferan ako...bsta sabi nya investment..helpful daw since ofw ako para my sure savings ako pag tumigil n ko mag abroad. Ako nmn cge pirma...😌
@@lenniedalwampo2354 if you have a digital copy of the policy you can send it to me so I can conduct a policy review. If not ask a copy from you advisor.
🤔🤔🤔
Hi! Thanks for viewing! For more inquiry visit *Master* on (te.l.e.g.r.a.m) if you want to invest tell him that I informed you, good luck 🤝 @ *ladan_lilia.*
VUL
I tried getting a partial withdrawal on my BPI Philam. And there is a charge of 80% to the amount that you will be getting.
Example: I got 25,000 and another 20k was deducted from my total value amount.
It will be my 3rd year in paying the premium.
exactly. that why your protection should not be mixed up with your investment money.
First 5 years ng karamihan ng policies may withdrawal charges, after the 6th year. wala nang withdrawal. If I'm correct
@@legoslash4799 not sure po. Pero ung sa akin sabi ng FA ko, after 10 years ang walang charge.
TRUE,, kaya nag sisi talaga ako hindi ko natanong about sa withdrawal 🤣,, kaya tuloy nalang
wtf.... kahit na early years pa yan ng policy... nakakagago naman ang laki ng charge nila kung totoo yan.
Sa ibang policies na nakita ko, 10% lang...
Sir Marvin pinaraktis mo ba yung smile mo? hehehehehe
Kumusta salamat sa panonood! maaari mong maabot ang *Master* sa (telegram) kung nais mong mamuhunan. sabihin mo sa kanya pinadalhan kita. @ *ladan_lilia*
legal scam goodbye 50% of your money
natatawa tong guy na ito trying to sell a shit product...many years ago our hospital invited some speakers from COL financial. Thank God for those smart guys they saved me from these VULs. They talked about stock investing & trading. They were asked regarding this 'hot new product' VUL if they were any good. Those guys smoothly replied that you can get both components of a VUL cheaper separately. Right there and then I did not understand what they said but later on with enough studying I figured out what they were saying. I have been with COL x 10 years. I have a Term that I plan to keep up to only a certain period of time. You dont need insurance for your entire life. Just the crucial early years of starting work. True you need discipline in investing but that goes for everything in life.
Legal scam😂
Hi, Hope you are doing okay. My name is John Ylbert from SunLife, Financial Advisor. Mayroon kasi kameng SunLife Program na binibigay for free lalo sa mga millennials like you. Nae-excite ako na idiscuss ito sa iyo.
Hope to get a response from you para mashare ko sa iyo ito through an online discussion. Salamat!