If these people discontinue their policies and may nangyari sa kanila, how will your conscience take that? This is not good. VUL is not for wealth accumulation, it is for PROTECTION (both living and death benefits). If your goal is to make money in 5 years, this is not for you.
Its inappropriate to say na LUGI, its better to say na different VUL, term and other insurances serves different purposes that's why it always better to talk to different financial advisors so you can compare it yourself.
It is actually partly wealth accumulation, kaso nga lang high risk and it is not for everyone. It's either false ang data presented, or very risky ang investment product/fund type na allocate ang funds.
VUL investment part is not guaranteed because it depends on the market. But the purpose of life insurance is to protect the income of the insured 100 %guranteed. Yung commission ng agent is very little compared sa matatangap ng insured anytime may uncertainty.
Vul is one way to diversify your portfolio. There are many ways to protect your income an increase wealth. Depende nlng sa resources mo, commitment, and preferences. Mahirap economy ngayun, gusto man natin kumuha ng insurance kaso mas important ang daily meals to survive.😘
@@homecatsanddog Very true. It’s all about preference talaga. Kaya mas professional talaga si Rex Mendoza when he said “We cannot compare apples to oranges”.
Hi, I came from a family na natulungan ng insurance with VUL. I was wondering lang while watching your video parang unfair naman ito sa part ng mga agent na naghahanap buhay lang at in fact nakakatulong at nag eenlighten, parang mas nag focus ka sa commissions at hindi sa benefits itself na inooffer ng particular policy. Kasi kung ma insure ka at kahit ilang buwan ka palang nakakapag hulog kung ano mangyari sayo makakapag claim ka ng ilang milyon depende sa coverage mo at iba pang core benefits ng policy na kinuha mo (hospitalization, confinement, ma accident/ madisable o biglaang madiagnose ng sakit na malubha) I’m speaking from experience lang kasi this has really helped us. Sobra. Sabog sana ang finances namin kung wala ito. Matagal na kami nag iinvest at marami din akong kamag anak at kakilala ang natulungan din ng insurance walang wala yung libo libo na kikitain ng agent mo sayo compare naman sa make claim mong daang libo o milyon pag ma aksidente ka o madisable ka etc. At notice sa ibang bansa pag na oospital sila ang unang tinatanong pagdating “do you have an insurance?” kung hindi lang corrupt mga opisyal dito normal lang talaga dapat ang maraming policies. I thought lang medyo backwards lang ang pananaw mo sa insurance masyadong nag focus sa commission ng agents may pros and cons din naman talaga pero sobrang nag focus lang sa commission na hindi naman yun ang mission ng mga kumpanya. Ang ginagawa lang naman ng insurance companies is to spread financial literacy at makatulong para di tayo agad dumudukot sa bulsa kung ano man ang mangyari. Thoughts lang.
I heard of u a lot sir, but I never thought na totoo palang ganito pnanaw mu sa vul sir. So sad for u this just means u don't understand the vul product, kc dimo naintindihan ang real value nito. Even ur examples are not justifiable nkakaloka. 😂Wag ganun sir, certified crab😂
Hi po reading your comment,,, curious lng po aq if you dnt mine to know anong insurance po kyo? Meron po akng Vul sa sunlife and after watching this video I felt I dnt know if I'm doing right kc po minimal idea po aq about insurance, but kumahanpa dn po aq forbthe sake of my son,,, I'm paying po 50k semi annual...
Please answer me, what what's the year term for the term used in the comparison?? You need to disclose that, remember you can not out live a permanent insurance.
Naliwanagan po ako s VUL ..balak ko sana kumuha buti npanood ko itong video nyo..Ano po ang pinakamainam n insurance n pwedeng nyong mairecommend sa katulad ko pong ofw
I am a client. I studied both BTID and VUL. I have VUL and I also have some investments outside VUL and this video is misleading and a crab. As what I know meron siyang coop, so basically sinisiraan nya ang VUL para mag coop kayo. Bakit kaya hanggang ngayon, legal ang VUL and is still under Insurance Commission? Kung budol lang yan, dapat tinag na yan as scam. Pero bakit kaya hindi? Kasi basically, it's not a scam. Mali lang pagka explain ng FA nyo or kulang. Kulang din actually pagka explain ng FA ko kaya I did my own research. Yung di sinasabi ni Vince Rapisura? Haha, mahal din ang term. Mahal in the sense na tumataas siya every year and hindi siya whole life coverage. So magbabayad ka ng pataas na premium hanggang sa tumanda ka. Ngayon, talaga bang inenvest nyo yung difference or eat the difference lang? Kasi if hindi nyo alam kung paano nyo ma equal yung million na coverage nyo through investing the difference, useless din yang pagkuha nyo ng term. Both are strategies. Both has cons and pros.
@@meowmeow16muka mu😂 tama naman na insurance company lng kumikita.. my bf is trying to withdraw he's money kc matured na this aug1 10yrs paying rin sya tapos ang computation 80k lng? 2k monthly sya so ang laki ng nawala sa knya edi sana sa bank nlng nya nilagay pera nya eh wala namn sya maski anung claims in 10yrs bayad lng sya ng bayad noh.. agents lng kumikita jan sa insurance na yan
nakakalungkot na marami ang naniwala dito, pero hindi sinabi na ang term insurance ay tumataas ang premium kapag nagrenew depending on age 😢 at yung vul naman ay (fixed premium) pareho yung babayaran mo bawat taon..
how's my my VUL? nag purchase ako Sir Vince ng VUL 2013, after 2 yrs na diagnosed ako ng LUPUS SLE, sa akin po maige ang VUL aside sa may insurance ako prior ng sakit ko. Tama po kayo mahal nga po ang VUL compare to Term insurance, pero I had issue paying my premium buti nalang Flexible Payment po ako so as long as my Fund value ako at insured po ako. I think VUL po depende po sa needs ng insured and use of their fund value. Tanung ko po sa Term Insurance po ba once my sakit ka na po puede ka pa din po ba macovered? I agree po dapat separate ang insurance at investment. Thank you po :-)
@@michaeld165 Hindi naman, I watched most of his video and I learned alot. I think what he is sharing,is what works for him and to the majority of his followers. May kania kania talaga tayong journey pag dating sa financial success. We can always challenge our own beliefs habang tumatanda tayo and always choose what works best for you. Free informations naman to so its best pa din be thankful if hindi cia para sayo then you are always free to skip the video 😉
To answer your question ma'am yes po pwede niyo din lagyan ng Critical Illness Rider ang Term insurance pero magiging mahal din po ito. Very different coverage ang kinocompare ni Vince. P6,000 a year term insurance ay for sure death benefit lang at walang critical illness, disablement, etc. If papalagyan mo ng ganito ang term mo ay halos papareho na yung price niya sa VUL. Isa pa po ay hindi niya sinabi na nagmamahal yearly ang term insurance unlike sa VUL. If magrerenew ka po ng term insurance at the age of 50+ ay mas mahal ito kesa sa regular plan VUL which is consistent lang ang premium hanggang mag matured.
I have vul from sunlife. I agree that There is a difference when computing about investment. I want to inform you that the vul is just for protection not really for investment but if you are sure not to use this as short term then you can earn through long term. What i like for my vul, it has a critical care. In case na magkasakit ka you are protected. Sa term isurance usually pag namatay ka lang eh paanu pag disablity ang issue mo wla kang makukuha sa term insurance. I aslo actually calculated the investment side . BTID and VUL are also the same. In BTID are sure you have the cash value with interest. In VUL you need to wait until makuha mo yung goal mo depende sa fund value. So depende sayo kung anu ang need mo. Hindi ka maluluginsa vul pag long term. Kaya you need to divesify your investment. Kasi ganun then. For me. I will be paying my vul for 10 years with 3500 premium. So for 10 years ang total contribution ko is 350000 and i am protected for 700k + fund value untill 85 years old. So depende talaga sa goal mo. Sa term renewal kasi kunti lang din ang difference pag nag btid ka. Hindi lang nasabi no sor vince yung another protection na kalakip ng vul kagaya ng critical illness protection. Depende po talaga sa gusto nyo. Sa vul just think na nag time deposit ka kasi you will never know kung magkakasakit ka at magkaroon ng disability.
Ageee on this, di nya tinackle ang mga other benefits sa VUL, like covered ka ng 114 minor, major and cancer specific na mga sakit at iba pang riders. Which TERM doesn't offer. Insurances and investment are best pag nagsimula pa at younger age.
Anong VUL name na 50K annual tapos 165k lang ang life insurance? Pwede siguro kung masyadong matanda like 50 yrs old or mayroon si client preexisting na sakit factor din kasi un na hindi nai-discuss dito. Personally wala pa akong nakikita o naririnig sa mga insurance company, naalala ko pinakamababang nakuha ko na coverage ay 200k for 24k annual premiums for 10 yrs to pay na design for investment kaya maliit lang ang insurance coverage ko. Hindi nai-discuss na ang term insurance ay tumataas ang kailangan kong bayaran or premiums every year dahil ang premiums ay depended sa edad ng cleint. Bukod dito, sa term insurance kailangan mong magbayd for life hanggat gusto mo ma-cover ka. Madaming VUL na you pay lang for a certain period of time like 10 yrs then cover ka na up to age 100 at premiums mo level lang hindi tumataas. Kaya ang agent nagsasagawa ng interview para malaman ang needs ng client at capacity to pay. Balik din po sa ahente kung sakaling mag-stop ng payment si cleint dahil mali ang financial analysis na ginawa nya. Nasusukat po ito sa tinatwag na persistency rate at pag bagsak ito pwede pong matanggalan ng license ang ahente. So sad about this video.
1 year na akong Holder ng VUL, pwede kayang mag downgrade gawin kung pure insurance na lang? nahihiya ako mag tanong sa Advisor ko. annual premium ko 24k
Buti nakita ko to, nguguluhan tlga aq f tuloy ko pa ba ung sakin, now ok na ,mas my reason na aq to stop mine..thanks po for enlightening us! Sakin more than 3yrs,paying 32k per yr,tpos 33k ung fund value as of Nov this yr.
Basta insurance with investment, hindi po pabor sa inyo yon. Ito po baka makatulong 1. Mga babasahin tungkol sa VUL - vincerapisura.com/reading-not-get-vul/ 2. Paano gawin ang BTID - vincerapisura.com/epektibong-paggawa-ng-btid-upang-masulit-ang-pinaghirapang-pera-sa-insurance-investment/ 3. Paano ititgil ang VUL - vincerapisura.com/anong-gagawin-ko-kung-may-vul-na-ako-paano-ko-ito-ititigil/ Panoorin po mga ito: 4. Better options to VUL: ruclips.net/video/F4D2cv2Bv5A/видео.html 5. Sample BTID: ruclips.net/video/0jFnmIcu70c/видео.html
I’m a Financial Advisor (insurance agent) and a stock trader. I practice BTID as personal approach in addressing financial risks. Some figures and analyses presented here are questionable. I have nothing against Mr. Rapisura but he should recheck and revalidate the data presented in this video to have a more authoritative explanation of the issue.
Like anong investment product or fund type inallocate yung pera kung bakit nalugi. Stock market investment must be prolonged by the decades to minimize losses and optimize growth, check mo graphs ng stocks by the decade. Masyadong mahal yung premium yung sa insurance na company na iyan. VUL is for the experienced and knowledgeable traders, hindi iyan para sa beginners or newbies dahil high risk investment iyan, so it is appearing na mali ang plan na nilapit ng advisor sa client.
One thing I've learned while watching other financial planners like Arki Wealth is that VUL is an Inflation-adjusted financial protection product. This is not entirely an investment. The projection value is not guaranteed because it will be based on the performance of underlying funds where the portion of your premium (investment component) will be allocated to cash fund or money market funds etc. Term Insurance: Advantage is you will have a great health/life coverage for a least amount of premium. You will be paying less but will have a more extensive coverage. Disadvantage is when you are still alive after the insurable age which is 65 yrs old, you cannot reinstate or renew your policy. Therefore, you will not be covered anymore by the policy you paid which is only 65 yrs old.
Yung sa akin na prulink exact protector 5 just got completed this month po. Then may fund value na sya na 130k. Ang advised ng FA ko kuha ako ng bago with critical illness mga 1,500 lang daw per month. Anu po g mangyayari dun sa exact protecter 5 ko. Tuloy tuloy lang po ba yun o hindi na? Salamat po sa sasagot.
Sir Vince may VUL ako sa Pru okay naman ako sa 4M life insurance then kapag umabot ako ng 101 di masasayang yung binayad kasi ibibigay yung life insurance + amount ng insurance. 3724 monthly continuous payment. 29 yrs old non smoker. 101-29(yrs old)=72yrs akong magbabayad 72x12(months)x3724(monthly)= 3,217,536 -- capital ko for 72yrs Sa palagay ko ok na dn yung VUL ko let say umabot ako ng 101yrs old makukuha ko ang 4M + investment. Please enlighten me kung may di ako nakita. Thanks.
Ang ganda po nung plan ninyo. 😊. Hindi lang po 4Million kasi maidadagdag pa po yung growth ng investment mo sa life insurance coverage or kapag naabot niyo nga po ang age 101. 😊
Kaya pala sir vince nung nasa opisina aq ng vul Habang binebentahan aq naririnig ko yung ibang staff naghahatian na sa commission ng kaalis lang ng bagong client.nakakadis appoint. The worst pa bigla ka na lang lalapitan at dradramahan ng kung ano ano .yun pala bebentahan ka lang ng insurance hindi kana makapagisip pa kung kukuha ka o hindi kasi na sales talk kana. Naibawas yung pera na sa savings ko kaso d ko na naipagpatuloy kasi nasa abroad aq wala namn aq mautusan par magbayad sa vul sa pinas.. Kaya ayun penalty pa ang babayaran ko at bye bye na sa 30k. Ang gusto pa nga nila gawin ko pang 100k at pipilitin ka talaga nila.kaya nga pag umuuwi aq sa pinas at nasa mall aq at may lalapit aq na umiiwas dahil baka bentahan na namn aq ng insurance 😢saka nice na pinaghirapan mo yung pera ng ilang buwan then yung pera mo pinaghahatian lang saglit ng mga insurance staff
Parang impossible naman na 4M tapos 3,724 lang monthly for VUL…kahit di ako naniniwala sa VUL kukuha ako kung meron talaga ganyan…Ano pong insurance yan mam?
Basta insurance with investment, hindi po pabor sa inyo yon. Ito po baka makatulong 1. Mga babasahin tungkol sa VUL - vincerapisura.com/reading-not-get-vul/ 2. Paano gawin ang BTID - vincerapisura.com/epektibong-paggawa-ng-btid-upang-masulit-ang-pinaghirapang-pera-sa-insurance-investment/ 3. Paano ititgil ang VUL - vincerapisura.com/anong-gagawin-ko-kung-may-vul-na-ako-paano-ko-ito-ititigil/ Panoorin po mga ito: 4. Better options to VUL: ruclips.net/video/F4D2cv2Bv5A/видео.html 5. Sample BTID: ruclips.net/video/0jFnmIcu70c/видео.html
I think you are not showing the whole picture. Do you have any form of layered term coverage on top of the UL or is it pure 165k UL? I don't think anyone in their proper mind would accept this plan knowing how costly the insurance cost is. Can you show us the age of the plan holder so we can see and make our own comparison? Something is wrong with how you are presenting this
Pumunta sa Google, itype ang Vince Rapisura karugtong ng tanong o keyword na hinahanap mo. Lalabas ang mga blogs and videos tungkol dito. Halimbawa, may tanong ka tungkol sa Pag-IBIG MP2, itype ang -> Vince Rapisura Pag-IBIG MP2. in your case, isulat sa Google Seaech bar ang -> Vince Rapisura health inaurance
Yes, walang ganun. Kung ganun din lang naman, mag iipon nalang ako ng 3 years.. trully misleading. Malamang madami pang benefits yun na hindi pinakita. Kulang kulang info nya para mag mukang pangit talaga VUL.
Good day Sir Vince! As always klarong klaro ang explanation...sadly, isa din ako sa na budol sa VUL. I am on my 10th yr paying quarterly of 10k+...What should i do? Do i need to finish this year then next year e terminate ko na yung policy? at kunin ang Fund value? Or pwede din ngayon ko na e terminate? Hope you can help me Sir w/ my question....Thank you ulit sa video na ito. God bless po!💞
Ako Naman on my 5th year na sa VUL pero two years lang ako nag bayad Kasi need ko to stop working. 3 years na akong naka holiday premium and still enforced pa rin ang policy ko. Thankful lang ako na I am still insured until right now and is planning na mag bayad ulit Ng premium para di mag lapsed policy ko.
Ang laki Naman Po Ng agent's commission saan po company iyan. Yung sa relative ko FA ang VUL niya sa 20k premium 5k lang Ang agent's comm....YEARLY. Wala pa sa 25%. Baka Po pag mga branch head Yung nakabenta pero pag FA maliit Po. Sa 20k premium 447 lang cut monthly.
Ganyan nga din po sakin nasa 5000 plus Lang yung current fund value ko naka one year na ko ok Lang po kaya yun Di na maghulog at Di paalam sa sunlife advisor ko ?
Basta insurance with investment, hindi po pabor sa inyo yon. Ito po baka makatulong 1. Mga babasahin tungkol sa VUL - vincerapisura.com/reading-not-get-vul/ 2. Paano gawin ang BTID - vincerapisura.com/epektibong-paggawa-ng-btid-upang-masulit-ang-pinaghirapang-pera-sa-insurance-investment/ 3. Paano ititgil ang VUL - vincerapisura.com/anong-gagawin-ko-kung-may-vul-na-ako-paano-ko-ito-ititigil/ Panoorin po mga ito: 4. Better options to VUL: ruclips.net/video/F4D2cv2Bv5A/видео.html 5. Sample BTID: ruclips.net/video/0jFnmIcu70c/видео.html
your VUL should have never been pitched nor considered an investment in the first place :) it is an insurance and a form of wealth protection. Yung cash value niya is more of pang sustain din sa insurance mo but naka invest naman yan :) VUL is a bad thing as an investment but if treated as a protection and insurance, ok naman siya. At least, more of inflation adjusted insurance siya wherein your ‘invested side’ could be added on your insured amount in case na may mangyari sa iyo :) If wala naman and you live till 88 or 100, then yung invested side is plus na lang and can be added as a retirement fund. Never ever treat VUL as an investment. It is an insurance. Review again what is your goal why did you get that VUL? Do you have dependents? Do you have a family na ba? Review again if you remove that VUL, can you afford to lose protection? Anu next plan mo? Baka kapag kumuha ka uli ng insurance, baka mas mahirapan ka na if ever due to age. If you can afford the VUL, then at least try to consider that you can continue to pay for it. try to consider as well to find other Investment vehicles such as stocks, pag ibig mp2 and mutual funds. But again, it depends on you, VUL was meant for a long term protection, not investment. Lesson to be learned from this is NEVER EVER Invest in something you never truly understand. Due Diligence is a must in investing. Great day Kabayan!
Thank you for your insight. Cguro masyado lng ako na excite sa investment link ng VUL. I am also doing stocks at nakita ko kc kung paano ung gains sa stocks kaya ako na disappoint with vul. But i'll maybe keep it. I just felt like i made the wrong decision by buying the vul. Gusto ko kc tumubo tlaga ang pera. Thanks kabayan!
Yes, keep it. I am also a VUL holder and an investor sa ng blue chips stocks. VUL is design for long term horizon. Kung trader type ka, iba talaga sya. Please realize na may charges talaga. Ang kagandahan sa VUL hindi na kasi ikaw ang mag manage. In your case, nakahulog ka na and definitely ikaw ang talo pag umatras ka pa, kaya ituloy mo nalang. Hindi ka naman lugi dya over all.
Sir Vince kakakuha plang ako ng Kaiser plan 60 nkahulog plang ako ng once almost 20k po kc semi annual kinuha ko,do you think itutuloy kopa po ba o hindi na?
HI MAM, SIR..NAGBABAYAD PO AKO NG MONTHLY NG 1545 AS FOR MY PINILING PAYMENT PERO CHINECK KO SA ACCOUNT KO SA APP NA AROUND 37K PALANG UNG NAHUHULOG KO..KINOMPYUT KO PO NA DAPAT 90K PLUS NA UNG HULOG KO FOR 5 YEARS...AND MERON PONG ADDITIONAL CHARGE NA 200 TO 400 PLUS NA FEE EH NAGBABAYAD NAMAN AKO ON TIME..PLS HELP ME PO..THANKS..TSKA IF EVER ITIGIL PANO PO
It's important to know that Term insurance policies do not have cash value. Meaning at the end of the term you are no longer protected and you will not receive any payout if you survive. VUL on the other hand have cash value which can be paid out (depending on your policy). It's best to do due diligence and research to decide which is best for your goals.
Pag gusto nyo kumuha ng investment or insurance aralin nyo muna hindi yung narinig nyo lang kung kanikanino.wag kayo papadala sa mga agent ng mga inooffer nila na kesyo ganito kesyo ganun mga inooffer nila.stay on your ground yung inaaral mo yun lang ang kuninmo di yung mga inoofer ng agent.tandaan sila ay mga sales person din gusto nila bentahan ka nila ng mga product na alam nila makakuha sila ng mataas ng commission.yung ibang agent dina man nila concern ang benifit mo benifit lang nila yung commision nila unless siguro close friend mo or relatives mo ang agent.remember “When a person with experience meets a person with money,the person with experience ends up with the money;and the person with money ends up with experience”
Totoo po to may video ako Ng BDO Life ko. Fully paid ko na 5 years premium total 253k since 2017. Pero 200k lng sum assured ko. Now If I claim my policy today, half lng makukuha ko plus dividends and cash payout total 168k lng.
Ibang iba yung VUL ng PRULIFE kesa sa ibang life insurance, kase mababa lang yung premium pero mataas yung coverage at yung premium niya is 2000 pesos lang sa age ko but million life insurance coverage na po.
Hello po sir vince! Parang similar po doon sa kinuha kong insurance 7yrs ang payment 58900 per year. 20yrs ang maturity. Ano po ang suggestion? Puede ko kayang icansel yung policy. Di ko alam k7ng vul sya .
Long term healthcare yung sayo po with investment.. iba din yung VUL. Actually iba2 kase talaga ang insurance, depende kse yan kung ano priority mo kaya nga meron financial check-up na nangyayari para malaman or ma evaluate ni financial planner kung ano priority mo in life. Better ask your agent or financial planner b4 buying insurances..wag mahiya pong magtanong
Thank u sir Vince.. madami na sa amin ang akala namin naka kuha na ng magandang investment or VUL... Sayang pala ang perang Pinag-hirapan, tapos majority sa company at agent lang pala mapupunta huhu..
Reward system yun, whether VUL or term insurance kinuha mo. May option ka naman na magvitality or hindi. 200php load lang naman makukuha mo kapag naglakad ka ng at least 5 times na 12.5k steps in a week.
Kumuha ako dati ng vul pero tinigil ko kc naiistress ako dahil laki ng charges 1 to 3 years nag aalala ako nun kc bka mahinto ako sa pgbyad if mwalan ako ng work at wala kc un kasamang critical illness kya ng aalala din ako if mgkasakit ako .
sir vince gud evening po ask lang po ako ,regarding po sa bdo life insurance ko, isa po ako ofw na nakapaghulog lng ng 2 yrs at naistop po yun dhil inabutan po akong ng lockdown nung 2020 during my vacation at dkona nacontinue ung hulog ko,,for 8 yrs terms of payment ..papano ung naihulog ko makukuha kopa po ba yun?
Salamat sir vince bago ako kumuha napanuod ko to so back out muna ako at mag aaral pa maige ng Term insurance na papasukin ko muntikan nako mapa Oo ng isang agent agad agad
Why are financial instruments that do not guarantee at least break even for investors, allowed to lure clients to entrust their hard earned money? Who is to protect us?
Ako natapos kona yung VUL ko for 5 years to pay nagulat ako 194k ko naging 156k nalang nalugi ako ng 38k😢 hindi naman sinabi ng FA ko na pagnatapos na ng 5 years mag kakaltas pa rin pala.. ngayon surrender policy na ako.. hirap kasi pag naubos ang funds mo kakaltas mababaliwala ang insurance ko.. FWD insurance po ako...
May mga nagagalit. Pero totoo din naman yung ibang mga sinabi ni sir about "cons" of VUL. I have VUL kaya relate ako. Wag maniwala sa mga sinasabi lang ng financial advisor. Research kayo on your own, at hingi kayo advise sa mga clients na nakatapos na magbayad VUL. Hirap kasi sa ibang financial advisor hindi naman ineexplain ang "cons" of VUL. Puro "pros" lang sasabihin. Makabenta lang. Swerte yung mga "honest" ang advisor. Yung tipong discuss lahat sa client. Especially yung "worst case scenario" na pwede mangyari sa funds mo sa VUL.
Sir may tanong po ako, about nmn sa educational plan ng anak ko, nag babayad akp quarterly ng 13000 , parang malaki din napupunta sa premium, ano po maganda alternative, thank you Godbless po, sana talaga mabasa mo po ito at makapag response ka.
Sir Vince, pwede mo ba ako matulungan? kumuha ako insurance para sa anak ko 5 yrs term.,9 yrs na ngayon yung insurance check ko yung fund value nabawasan sya ng 170k+ imbes na tumubo sya for 9yrs eh nabawasan pa yung mga hinulog ko. Di ko maintindihan anong nangyari 😭 nilalaan ko yun pang college ng anak ko ngayon mag college na sya😢 Please help ano pong dapat gawin😭
Sir. Good morning i'm planning to withdraw my VUL. 4years na po ito. Semi annual payment. 48k annual. Dapat 190k ang pera but nakapasok sa investment 152k as of now. Sinasabi sa akin lugi daw ako kung kukunin ko agad. But nakita ko po videos nyo. "Cut the losses" lalo na down market now. Hindi na mahahabol. 71k lang po ma-withdraw. Your video po helps me to decide.
Madami po variables sa mga investment mediums. Each one may pros and cons. Ang maganda po siguro ikalat investment. Diversify ika nga...may point si sir, but ang worst po ay e withdraw ang nahulog nyo na, un po sure loss.
Thank you Sir, i experienced in BPI PHILAMLIFE..Naka 10yrs na ako mahigit sa investment na ito..Fully paid na yung P500k last 5yrs pero ngyn kukunin ko na eh P300k lng makukuha ko..
Same from 1M, 500k n lng kesyo pandemic daw eh nung hindi naman pandemic pababa padin ng pababa insurance kc binabayaran edi sana nag term n lng 5-10k lng annually. Budol is real.
Always remember pag nag invest ka dapat extra money Yung gagamitin mo at kaya mong antayin until 10 yrs. or more para ma appreciate mo talaga na kumita ang pera mo of course proper monitoring sa policy mo and always seek guidance with your FA.
Pa compute naman po sana mapansin. Ofw po ako. Plano kopo maghulog sa mp2 para sa educational plan ng anak ko. Grade 2 palang sya Ngayon. (25,000php lang po ang kaya kong i spend per month at i divide ko sya sa 5 account ng mp2) Mp2 account 1, year 1= 25,000php for 12 months Mp2 account 2, Year 2= 12,500php for 12 months. Mp2 account 3, year 3= 8,340php For 12 months Mp2 account 4, Year 4= 6300php For 12 months. Mp2 account 5, Year 5= 5000 php For 12 months. Para every year nag mamatured ang account ko. Tapos re invest ulit Hanggang mag college ang anak ko. Tapos after 5years, ma withdraw kona yong mp2 account 1. Re invest ko ulit sya. Pero I divided ko sya sa 5. Para maging equal amount lahat ng account ko sa MP2. Account 1,2,3,4,5. Paulit ulit lang ang gagawin ko until next year.
Hello po ask ko lang po, Sa BTID po ba is covered until age 80? Since term insurance po sya let say matapos ang term insurance ko eg. After 20 years what will happen to my savings, and macocover prin ba ako pag nagrenew ako pag 65yo na ako. May coverage din po ba yan na Critical Illness benefits, accidental, total permanent disability?,at meron po bang benefits yan na si insurance company ang magtutuloy sa savings mo if incase u struck by total permanent disability.? Thanks for the answer.
Simply put, where do they get the high commissions for agents? Not from thin air but from high premiums. 1) VUL = investor > agent fee > agent company fee > fund manager fee > fund company fee > brokerage fee 2) Direct investment = investor > brokerage fee Which one will you buy? 1) 500ml water for 50 pesos (VUL) 2) 500ml water for 10 pesos (direct investment, FMETF) VUL is for lazy gullible people. Just open a brokerage account and invest your savings in FMETF regularly.
Sir, I have been struggling in planning to manage my money or earnings. But as I watched this video, I got gradually enlightened by how well you explained things. Now, I have a much clearer plan for my little money. God bless you always and stay safe. Keep inspiring and enlightening people lile me who wants to have financial freedom.
My protection Po kayo not only Insurance. In case of death of policy holder you will receive the face amount of their policy,depending the amount of their policy. In case of death, disability,accidents,critial illness insurance will help and assist you,and your family and love ones. Hindi kawawa Ang mag invest sa insurance.malawak Po Ang protection at cover Ng VUL. Ang term insurance ay pure protection lng Po no savings Po sa huli Ang term insurance kaya Po sya mura. Limitted Po ang coverage nito. depende Po sa yrs ng policy nyo. Pero ito naman Po ay renewable depende po Kong kayo ay insurable pa at tataas din Po Ang premium at babayadan nyo ,once na e renew po nyo Aang term insurance nyo. UN Po Ang pag kakaiba Ng term insurance at VUL.
If these people discontinue their policies and may nangyari sa kanila, how will your conscience take that? This is not good. VUL is not for wealth accumulation, it is for PROTECTION (both living and death benefits). If your goal is to make money in 5 years, this is not for you.
Its inappropriate to say na LUGI, its better to say na different VUL, term and other insurances serves different purposes that's why it always better to talk to different financial advisors so you can compare it yourself.
simple lng. term insurance kunin.Mas mura, mas mtaas coverage. not VUL. Mlki chnce masunog pera mo sa VUL.
It is actually partly wealth accumulation, kaso nga lang high risk and it is not for everyone.
It's either false ang data presented, or very risky ang investment product/fund type na allocate ang funds.
Indeed, he’s comparing apple to orange. Kaya sobrang misleading nya. Kawawa yung mga vulnerable na kakagat sa pakana nya.
Tama ka dyan sir.
VUL investment part is not guaranteed because it depends on the market.
But the purpose of life insurance is to protect the income of the insured 100 %guranteed.
Yung commission ng agent is very little compared sa matatangap ng insured anytime may uncertainty.
correct po,, anti agent yata tong nag vlog nato
Hindi niya rin na mention na nagtataas ang premium ng term insurance and sobrang prone sa lapse.
Saka kahit steady yung commission rate, since tumataas ang premiums, mas umaakyat din yung commission.
Vul is one way to diversify your portfolio. There are many ways to protect your income an increase wealth. Depende nlng sa resources mo, commitment, and preferences.
Mahirap economy ngayun, gusto man natin kumuha ng insurance kaso mas important ang daily meals to survive.😘
@@homecatsanddog Very true. It’s all about preference talaga. Kaya mas professional talaga si Rex Mendoza when he said “We cannot compare apples to oranges”.
Hi, I came from a family na natulungan ng insurance with VUL.
I was wondering lang while watching your video parang unfair naman ito sa part ng mga agent na naghahanap buhay lang at in fact nakakatulong at nag eenlighten, parang mas nag focus ka sa commissions at hindi sa benefits itself na inooffer ng particular policy.
Kasi kung ma insure ka at kahit ilang buwan ka palang nakakapag hulog kung ano mangyari sayo makakapag claim ka ng ilang milyon depende sa coverage mo at iba pang core benefits ng policy na kinuha mo (hospitalization, confinement, ma accident/ madisable o biglaang madiagnose ng sakit na malubha)
I’m speaking from experience lang kasi this has really helped us. Sobra. Sabog sana ang finances namin kung wala ito. Matagal na kami nag iinvest at marami din akong kamag anak at kakilala ang natulungan din ng insurance walang wala yung libo libo na kikitain ng agent mo sayo compare naman sa make claim mong daang libo o milyon pag ma aksidente ka o madisable ka etc.
At notice sa ibang bansa pag na oospital sila ang unang tinatanong pagdating “do you have an insurance?” kung hindi lang corrupt mga opisyal dito normal lang talaga dapat ang maraming policies.
I thought lang medyo backwards lang ang pananaw mo sa insurance masyadong nag focus sa commission ng agents may pros and cons din naman talaga pero sobrang nag focus lang sa commission na hindi naman yun ang mission ng mga kumpanya. Ang ginagawa lang naman ng insurance companies is to spread financial literacy at makatulong para di tayo agad dumudukot sa bulsa kung ano man ang mangyari.
Thoughts lang.
The purpose of this video is to destroy VUL. Moreover than that, they want to promote their own product. #desperatemoves
Agree! I am a vul holder yes may point sya pero maraming mali sa sinasabi nya and kulang kulang..
I heard of u a lot sir, but I never thought na totoo palang ganito pnanaw mu sa vul sir. So sad for u this just means u don't understand the vul product, kc dimo naintindihan ang real value nito. Even ur examples are not justifiable nkakaloka. 😂Wag ganun sir, certified crab😂
Agree sobra nakatulong din sakin ang Vup
Hi po reading your comment,,, curious lng po aq if you dnt mine to know anong insurance po kyo? Meron po akng Vul sa sunlife and after watching this video I felt I dnt know if I'm doing right kc po minimal idea po aq about insurance, but kumahanpa dn po aq forbthe sake of my son,,, I'm paying po 50k semi annual...
Sir. Anu po ibig sabihin ng term insurance? Same po ba ito ng traditional insurance?
Yes, po.
Sir Vince. ano pong term insurance company ang recommended po ninyo.Salamat po at nalinawan ako s paliwanag ninyo.
Please answer me, what what's the year term for the term used in the comparison?? You need to disclose that, remember you can not out live a permanent insurance.
True.
If you want to know more about it, please ask directly to your FINANCIAL ADVISOR. This is not well grounded, lalo na yung figures 😬
True. Misleading yung content
MISLEADING CONTENT VINCE.
Anong pont term insurance ng health ang mayrerecomend nyo at nasa magkano po
Good afternoon po, anong magandang insurance company for term insurance po?
Naliwanagan po ako s VUL ..balak ko sana kumuha buti npanood ko itong video nyo..Ano po ang pinakamainam n insurance n pwedeng nyong mairecommend sa katulad ko pong ofw
Sir Vince, anong company po may magandang offer nang term insurance? Thank you
What nasa vul napo ako in 2 years . Ano po magandang gawin?
sir anoong coop po ba ang marerekomenda ninyo po
The fact na puro mga agent lang yung nagtataggol sa VUL dito sa comments at mga actual clients naman ang nakakarelate sa video says it all. 🙂
Korek!
iyak mga ahente eh 😂🤣
I am a client. I studied both BTID and VUL. I have VUL and I also have some investments outside VUL and this video is misleading and a crab. As what I know meron siyang coop, so basically sinisiraan nya ang VUL para mag coop kayo. Bakit kaya hanggang ngayon, legal ang VUL and is still under Insurance Commission? Kung budol lang yan, dapat tinag na yan as scam. Pero bakit kaya hindi? Kasi basically, it's not a scam. Mali lang pagka explain ng FA nyo or kulang. Kulang din actually pagka explain ng FA ko kaya I did my own research.
Yung di sinasabi ni Vince Rapisura? Haha, mahal din ang term. Mahal in the sense na tumataas siya every year and hindi siya whole life coverage. So magbabayad ka ng pataas na premium hanggang sa tumanda ka. Ngayon, talaga bang inenvest nyo yung difference or eat the difference lang? Kasi if hindi nyo alam kung paano nyo ma equal yung million na coverage nyo through investing the difference, useless din yang pagkuha nyo ng term.
Both are strategies. Both has cons and pros.
@@meowmeow16muka mu😂 tama naman na insurance company lng kumikita.. my bf is trying to withdraw he's money kc matured na this aug1 10yrs paying rin sya tapos ang computation 80k lng? 2k monthly sya so ang laki ng nawala sa knya edi sana sa bank nlng nya nilagay pera nya eh wala namn sya maski anung claims in 10yrs bayad lng sya ng bayad noh.. agents lng kumikita jan sa insurance na yan
nakakalungkot na marami ang naniwala dito, pero hindi sinabi na ang term insurance ay tumataas ang premium kapag nagrenew depending on age 😢
at yung vul naman ay (fixed premium) pareho yung babayaran mo bawat taon..
Sir vince anu magandang gawin kapag may existing vul na? Sana mapansin po ninyu.tnx so much❤
how's my my VUL? nag purchase ako Sir Vince ng VUL 2013, after 2 yrs na diagnosed ako ng LUPUS SLE, sa akin po maige ang VUL aside sa may insurance ako prior ng sakit ko.
Tama po kayo mahal nga po ang VUL compare to Term insurance, pero I had issue paying my premium buti nalang Flexible Payment po ako so as long as my Fund value ako at insured po ako. I think VUL po depende po sa needs ng insured and use of their fund value.
Tanung ko po sa Term Insurance po ba once my sakit ka na po puede ka pa din po ba macovered?
I agree po dapat separate ang insurance at investment.
Thank you po :-)
He wont be able to answer that since most ng info na binibigay is misleading.
@@michaeld165 Hindi naman, I watched most of his video and I learned alot. I think what he is sharing,is what works for him and to the majority of his followers. May kania kania talaga tayong journey pag dating sa financial success. We can always challenge our own beliefs habang tumatanda tayo and always choose what works best for you. Free informations naman to so its best pa din be thankful if hindi cia para sayo then you are always free to skip the video 😉
To answer your question ma'am yes po pwede niyo din lagyan ng Critical Illness Rider ang Term insurance pero magiging mahal din po ito. Very different coverage ang kinocompare ni Vince. P6,000 a year term insurance ay for sure death benefit lang at walang critical illness, disablement, etc. If papalagyan mo ng ganito ang term mo ay halos papareho na yung price niya sa VUL. Isa pa po ay hindi niya sinabi na nagmamahal yearly ang term insurance unlike sa VUL. If magrerenew ka po ng term insurance at the age of 50+ ay mas mahal ito kesa sa regular plan VUL which is consistent lang ang premium hanggang mag matured.
If you want to know more about it, please ask directly to your FINANCIAL ADVISOR. This is not well grounded, lalo na yung figures 😬
Lalong mag mahal siya if e seprate mo po.
I have vul from sunlife. I agree that There is a difference when computing about investment. I want to inform you that the vul is just for protection not really for investment but if you are sure not to use this as short term then you can earn through long term. What i like for my vul, it has a critical care. In case na magkasakit ka you are protected. Sa term isurance usually pag namatay ka lang eh paanu pag disablity ang issue mo wla kang makukuha sa term insurance. I aslo actually calculated the investment side . BTID and VUL are also the same. In BTID are sure you have the cash value with interest. In VUL you need to wait until makuha mo yung goal mo depende sa fund value. So depende sayo kung anu ang need mo. Hindi ka maluluginsa vul pag long term. Kaya you need to divesify your investment. Kasi ganun then. For me. I will be paying my vul for 10 years with 3500 premium. So for 10 years ang total contribution ko is 350000 and i am protected for 700k + fund value untill 85 years old.
So depende talaga sa goal mo. Sa term renewal kasi kunti lang din ang difference pag nag btid ka. Hindi lang nasabi no sor vince yung another protection na kalakip ng vul kagaya ng critical illness protection. Depende po talaga sa gusto nyo. Sa vul just think na nag time deposit ka kasi you will never know kung magkakasakit ka at magkaroon ng disability.
Very well said
Tama
Ageee on this, di nya tinackle ang mga other benefits sa VUL, like covered ka ng 114 minor, major and cancer specific na mga sakit at iba pang riders. Which TERM doesn't offer. Insurances and investment are best pag nagsimula pa at younger age.
Agree po
Possible po ba makuha lahat ng current fund value kapag i-surrender ang policy?
Anu kaua mahanda gawin mahstop na.lang ba.naka 31 months na din ako 90k na din nahulog ko sa VUL na yan.
Yung sun fit & well sa sun life maganda kaya Yun Sir?
Anong VUL name na 50K annual tapos 165k lang ang life insurance? Pwede siguro kung masyadong matanda like 50 yrs old or mayroon si client preexisting na sakit factor din kasi un na hindi nai-discuss dito. Personally wala pa akong nakikita o naririnig sa mga insurance company, naalala ko pinakamababang nakuha ko na coverage ay 200k for 24k annual premiums for 10 yrs to pay na design for investment kaya maliit lang ang insurance coverage ko. Hindi nai-discuss na ang term insurance ay tumataas ang kailangan kong bayaran or premiums every year dahil ang premiums ay depended sa edad ng cleint. Bukod dito, sa term insurance kailangan mong magbayd for life hanggat gusto mo ma-cover ka. Madaming VUL na you pay lang for a certain period of time like 10 yrs then cover ka na up to age 100 at premiums mo level lang hindi tumataas. Kaya ang agent nagsasagawa ng interview para malaman ang needs ng client at capacity to pay. Balik din po sa ahente kung sakaling mag-stop ng payment si cleint dahil mali ang financial analysis na ginawa nya. Nasusukat po ito sa tinatwag na persistency rate at pag bagsak ito pwede pong matanggalan ng license ang ahente. So sad about this video.
1 year na akong Holder ng VUL, pwede kayang mag downgrade gawin kung pure insurance na lang? nahihiya ako mag tanong sa Advisor ko. annual premium ko 24k
Same
Nalinawan ako sir vince..ang tanong ko lang po ay maari ko bang ilipat ang VUL ko sa TERM INSURANCE
Sir may policy ako magmamature sya next month 336k lahat binayad ko 7yrs tpos may fund value 192k pwde ko mawithdraw lahat yan?
Sino ang nagbbgay ng term insurance? What company po?
Buti nakita ko to, nguguluhan tlga aq f tuloy ko pa ba ung sakin, now ok na ,mas my reason na aq to stop mine..thanks po for enlightening us! Sakin more than 3yrs,paying 32k per yr,tpos 33k ung fund value as of Nov this yr.
Basta insurance with investment, hindi po pabor sa inyo yon. Ito po baka makatulong 1. Mga babasahin tungkol sa VUL - vincerapisura.com/reading-not-get-vul/ 2. Paano gawin ang BTID - vincerapisura.com/epektibong-paggawa-ng-btid-upang-masulit-ang-pinaghirapang-pera-sa-insurance-investment/ 3. Paano ititgil ang VUL - vincerapisura.com/anong-gagawin-ko-kung-may-vul-na-ako-paano-ko-ito-ititigil/ Panoorin po mga ito: 4. Better options to VUL: ruclips.net/video/F4D2cv2Bv5A/видео.html 5. Sample BTID: ruclips.net/video/0jFnmIcu70c/видео.html
@@SirVinceRapisura thanks po
And also what form of term insurance are using here? Term 10, 20, 30 what?
Thnk you for ur dedication. Im getting ready to cancel my vul this is what i just need to cut my losses and move on nalang.
Naku wag mo cancel 10 years na ako sa insurance at marami kami natutulungan dahil sa VUL.
Pano kaya yung sa akin. Kumuha ako insurance vul 5M one time at saka 5M payable for 5 years. 1M per year
I’m a Financial Advisor (insurance agent) and a stock trader. I practice BTID as personal approach in addressing financial risks. Some figures and analyses presented here are questionable. I have nothing against Mr. Rapisura but he should recheck and revalidate the data presented in this video to have a more authoritative explanation of the issue.
I agree. He must do fact-checking across insurance companies as well. This might cause misleading of information to the public as well.
Questionable like what? Share m nmn ung nlalaman mo sir.
I agree
Like anong investment product or fund type inallocate yung pera kung bakit nalugi.
Stock market investment must be prolonged by the decades to minimize losses and optimize growth, check mo graphs ng stocks by the decade.
Masyadong mahal yung premium yung sa insurance na company na iyan.
VUL is for the experienced and knowledgeable traders, hindi iyan para sa beginners or newbies dahil high risk investment iyan, so it is appearing na mali ang plan na nilapit ng advisor sa client.
The example data he’s presenting is misleading. I don’t know from where he’s taken them. Likewise he’s comparing apple with orange
Sino ba ang nakatapos na dito ng VUL? Let them testify para malaman natin.
Thank u sir.. plan ko kumuha Ng insurance sana.. pero nagbago na isip ko.. idagdag ko na lng sa MP2 KO...
yung 30,000 po naman pan whole payments naman po yan in 1yr sir vince sa VUL eh yung 1000 po 1yr din po ba yan na payments nila or baka 1month
Saan ka nag iisa invest na coop sir?
One thing I've learned while watching other financial planners like Arki Wealth is that VUL is an Inflation-adjusted financial protection product. This is not entirely an investment. The projection value is not guaranteed because it will be based on the performance of underlying funds where the portion of your premium (investment component) will be allocated to cash fund or money market funds etc.
Term Insurance:
Advantage is you will have a great health/life coverage for a least amount of premium. You will be paying less but will have a more extensive coverage.
Disadvantage is when you are still alive after the insurable age which is 65 yrs old, you cannot reinstate or renew your policy. Therefore, you will not be covered anymore by the policy you paid which is only 65 yrs old.
VUL po. Ano pong company? Is it Sunlife?
Sir, naka 16months napo ako sa VUL pero itutuloy ko paba?
sa tingin ko namulat po ako sa inyo parang ititigil ko na
salamat po sa paunawa
What do you think ang mas maganda? Apply as FA, bago kumuha ng insurance? Kc once FA na daw mas makakamura kc yun commission mo less na..
Yes mas practical na mag FA ka Muna bago kumuha Ng insurance Kasi Sayo ma pupunta Ang commission Ng sarili mong policy
Sir me itatanong lang po sana ako pls,regarding sa investment ko,ma.lean di sumasagot po.pls
How I wish I knew these information 7years ago. my VUL policy was already 7years. Any advice?
Yung sa akin na prulink exact protector 5 just got completed this month po. Then may fund value na sya na 130k. Ang advised ng FA ko kuha ako ng bago with critical illness mga 1,500 lang daw per month. Anu po g mangyayari dun sa exact protecter 5 ko. Tuloy tuloy lang po ba yun o hindi na? Salamat po sa sasagot.
Sir Vince may VUL ako sa Pru okay naman ako sa 4M life insurance then kapag umabot ako ng 101 di masasayang yung binayad kasi ibibigay yung life insurance + amount ng insurance.
3724 monthly continuous payment.
29 yrs old non smoker.
101-29(yrs old)=72yrs akong magbabayad
72x12(months)x3724(monthly)= 3,217,536 -- capital ko for 72yrs
Sa palagay ko ok na dn yung VUL ko let say umabot ako ng 101yrs old makukuha ko ang 4M + investment.
Please enlighten me kung may di ako nakita. Thanks.
Ang ganda po nung plan ninyo. 😊. Hindi lang po 4Million kasi maidadagdag pa po yung growth ng investment mo sa life insurance coverage or kapag naabot niyo nga po ang age 101. 😊
Kaya pala sir vince nung nasa opisina aq ng vul Habang binebentahan aq naririnig ko yung ibang staff naghahatian na sa commission ng kaalis lang ng bagong client.nakakadis appoint. The worst pa bigla ka na lang lalapitan at dradramahan ng kung ano ano .yun pala bebentahan ka lang ng insurance hindi kana makapagisip pa kung kukuha ka o hindi kasi na sales talk kana. Naibawas yung pera na sa savings ko kaso d ko na naipagpatuloy kasi nasa abroad
aq wala namn aq mautusan par magbayad sa vul sa pinas.. Kaya ayun penalty pa ang babayaran ko at bye bye na sa 30k. Ang gusto pa nga nila gawin ko pang 100k at pipilitin ka talaga nila.kaya nga pag umuuwi aq sa pinas at nasa mall aq at may lalapit aq na umiiwas dahil baka bentahan na namn aq ng insurance 😢saka nice na pinaghirapan mo yung pera ng ilang buwan then yung pera mo pinaghahatian lang saglit ng mga insurance staff
Parang impossible naman na 4M tapos 3,724 lang monthly for VUL…kahit di ako naniniwala sa VUL kukuha ako kung meron talaga ganyan…Ano pong insurance yan mam?
@@betterphilippines6697 prulife po 😊. Kahit ako sir happy sa VUL ko ❤️
wow ang lake ng premium sana all
Hi Sir Vince, ang 3in1 insurance ng Kaiser International ba ay VUL?
Basta insurance with investment, hindi po pabor sa inyo yon. Ito po baka makatulong 1. Mga babasahin tungkol sa VUL - vincerapisura.com/reading-not-get-vul/ 2. Paano gawin ang BTID - vincerapisura.com/epektibong-paggawa-ng-btid-upang-masulit-ang-pinaghirapang-pera-sa-insurance-investment/ 3. Paano ititgil ang VUL - vincerapisura.com/anong-gagawin-ko-kung-may-vul-na-ako-paano-ko-ito-ititigil/ Panoorin po mga ito: 4. Better options to VUL: ruclips.net/video/F4D2cv2Bv5A/видео.html 5. Sample BTID: ruclips.net/video/0jFnmIcu70c/видео.html
I think you are not showing the whole picture. Do you have any form of layered term coverage on top of the UL or is it pure 165k UL? I don't think anyone in their proper mind would accept this plan knowing how costly the insurance cost is. Can you show us the age of the plan holder so we can see and make our own comparison? Something is wrong with how you are presenting this
Hi po sir ask ko lng san po kya mkk kuha ng term insurance
Kc nsa 60k binabayaran ko ng vul
Any suggestion po sa health insurance. Anong company ang maganda?
Pumunta sa Google, itype ang Vince Rapisura karugtong ng tanong o keyword na hinahanap mo. Lalabas ang mga blogs and videos tungkol dito. Halimbawa, may tanong ka tungkol sa Pag-IBIG MP2, itype ang -> Vince Rapisura Pag-IBIG MP2. in your case, isulat sa Google Seaech bar ang -> Vince Rapisura health inaurance
Thank you very much... You are a big help❤❤❤
4:13: 50k binabayad niya kada buwan tapos coverage is 165k lang? Anong policy po ito and saan nakuha?
Walang ganyang product saan kaya nya nakuha info na yan
gawa gawa lang ata niya para makakuha siya ng client niya hahaha
Yes, walang ganun. Kung ganun din lang naman, mag iipon nalang ako ng 3 years.. trully misleading. Malamang madami pang benefits yun na hindi pinakita. Kulang kulang info nya para mag mukang pangit talaga VUL.
Naku Sir, halatang di nya aral ang VUL 🤣
Nagkamali lang sya…per year yun…konting expand naman ng isip po
Hello sir Vince, mahal po ba ung term insurance na 15k annual…face amount 2M with Critical illness 😅 30 yrs old..
Good day Sir Vince! As always klarong klaro ang explanation...sadly, isa din ako sa na budol sa VUL. I am on my 10th yr paying quarterly of 10k+...What should i do? Do i need to finish this year then next year e terminate ko na yung policy? at kunin ang Fund value? Or pwede din ngayon ko na e terminate? Hope you can help me Sir w/ my question....Thank you ulit sa video na ito. God bless po!💞
Ako Naman on my 5th year na sa VUL pero two years lang ako nag bayad Kasi need ko to stop working. 3 years na akong naka holiday premium and still enforced pa rin ang policy ko. Thankful lang ako na I am still insured until right now and is planning na mag bayad ulit Ng premium para di mag lapsed policy ko.
Sir vince tanong ko po,ung BPI PHILAM life assurance corp.ano po masasabi mo dyan
pinakamadaling maintindihan sa pag explain thank you!
Ang laki Naman Po Ng agent's commission saan po company iyan. Yung sa relative ko FA ang VUL niya sa 20k premium 5k lang Ang agent's comm....YEARLY. Wala pa sa 25%. Baka Po pag mga branch head Yung nakabenta pero pag FA maliit Po. Sa 20k premium 447 lang cut monthly.
Ganyan nga din po sakin nasa 5000 plus Lang yung current fund value ko naka one year na ko ok Lang po kaya yun Di na maghulog at Di paalam sa sunlife advisor ko ?
Ilang taon po ang hulog jan?
Mp2 po ba un ung sa pag ibig?
sir vince considered bang VUL yung manulife affluence builder..may policy kasi ako na ganun eh..sorry stupid question. gusto ko lang ma clarify.
Basta insurance with investment, hindi po pabor sa inyo yon. Ito po baka makatulong 1. Mga babasahin tungkol sa VUL - vincerapisura.com/reading-not-get-vul/ 2. Paano gawin ang BTID - vincerapisura.com/epektibong-paggawa-ng-btid-upang-masulit-ang-pinaghirapang-pera-sa-insurance-investment/ 3. Paano ititgil ang VUL - vincerapisura.com/anong-gagawin-ko-kung-may-vul-na-ako-paano-ko-ito-ititigil/ Panoorin po mga ito: 4. Better options to VUL: ruclips.net/video/F4D2cv2Bv5A/видео.html 5. Sample BTID: ruclips.net/video/0jFnmIcu70c/видео.html
Pwede ko kaya gawing term insurance ung aking vul?right from the start duda ako sa vul nong makita ko na parang nalusaw ang 50k ko
your VUL should have never been pitched nor considered an investment in the first place :)
it is an insurance and a form of wealth protection. Yung cash value niya is more of pang sustain din sa insurance mo but naka invest naman yan :)
VUL is a bad thing as an investment but if treated as a protection and insurance, ok naman siya. At least, more of inflation adjusted insurance siya wherein your ‘invested side’ could be added on your insured amount in case na may mangyari sa iyo :) If wala naman and you live till 88 or 100, then yung invested side is plus na lang and can be added as a retirement fund.
Never ever treat VUL as an investment. It is an insurance.
Review again what is your goal why did you get that VUL? Do you have dependents? Do you have a family na ba?
Review again if you remove that VUL, can you afford to lose protection? Anu next plan mo? Baka kapag kumuha ka uli ng insurance, baka mas mahirapan ka na if ever due to age. If you can afford the VUL, then at least try to consider that you can continue to pay for it. try to consider as well to find other Investment vehicles such as stocks, pag ibig mp2 and mutual funds. But again, it depends on you, VUL was meant for a long term protection, not investment.
Lesson to be learned from this is NEVER EVER Invest in something you never truly understand. Due Diligence is a must in investing.
Great day Kabayan!
Thank you for your insight. Cguro masyado lng ako na excite sa investment link ng VUL. I am also doing stocks at nakita ko kc kung paano ung gains sa stocks kaya ako na disappoint with vul. But i'll maybe keep it. I just felt like i made the wrong decision by buying the vul. Gusto ko kc tumubo tlaga ang pera. Thanks kabayan!
Yes, keep it. I am also a VUL holder and an investor sa ng blue chips stocks. VUL is design for long term horizon. Kung trader type ka, iba talaga sya. Please realize na may charges talaga. Ang kagandahan sa VUL hindi na kasi ikaw ang mag manage. In your case, nakahulog ka na and definitely ikaw ang talo pag umatras ka pa, kaya ituloy mo nalang. Hindi ka naman lugi dya over all.
Sir Vince kakakuha plang ako ng Kaiser plan 60 nkahulog plang ako ng once almost 20k po kc semi annual kinuha ko,do you think itutuloy kopa po ba o hindi na?
Iba po ang Kaiser Healthcare, Life insurance and Investment...
Ano kayang insurance provider yung gamit sa example?
Sir pano po yung kumuha ng term insurance, may health at investment nadin po ba siya
Purely insurance lang Ang term insurance
Hello po Sir magkano po yong available nyo po sa insurance sir sa mga Driver po ang work tnx po
HI MAM, SIR..NAGBABAYAD PO AKO NG MONTHLY NG 1545 AS FOR MY PINILING PAYMENT PERO CHINECK KO SA ACCOUNT KO SA APP NA AROUND 37K PALANG UNG NAHUHULOG KO..KINOMPYUT KO PO NA DAPAT 90K PLUS NA UNG HULOG KO FOR 5 YEARS...AND MERON PONG ADDITIONAL CHARGE NA 200 TO 400 PLUS NA FEE EH NAGBABAYAD NAMAN AKO ON TIME..PLS HELP ME PO..THANKS..TSKA IF EVER ITIGIL PANO PO
Thank you talaga sir dahil napanuod k ang vlog nyo ino operan ksi ako ng sun life agent ng VUL
Welcome po. Subscribe po kayo sa channel ko at i-share ang mga videos para maraming matuto. TIA!
It's important to know that Term insurance policies do not have cash value. Meaning at the end of the term you are no longer protected and you will not receive any payout if you survive. VUL on the other hand have cash value which can be paid out (depending on your policy). It's best to do due diligence and research to decide which is best for your goals.
Pag gusto nyo kumuha ng investment or insurance aralin nyo muna hindi yung narinig nyo lang kung kanikanino.wag kayo papadala sa mga agent ng mga inooffer nila na kesyo ganito kesyo ganun mga inooffer nila.stay on your ground yung inaaral mo yun lang ang kuninmo di yung mga inoofer ng agent.tandaan sila ay mga sales person din gusto nila bentahan ka nila ng mga product na alam nila makakuha sila ng mataas ng commission.yung ibang agent dina man nila concern ang benifit mo benifit lang nila yung commision nila unless siguro close friend mo or relatives mo ang agent.remember “When a person with experience meets a person with money,the person with experience ends up with the money;and the person with money ends up with experience”
Tama, kagaya ko muntikan na buti nlng nag self research ako.
Totoo po to may video ako Ng BDO Life ko. Fully paid ko na 5 years premium total 253k since 2017. Pero 200k lng sum assured ko. Now If I claim my policy today, half lng makukuha ko plus dividends and cash payout total 168k lng.
anu po ba magandang insurance 5yrs to pay ko lang po pure insurance na maiiwan ko sa mga anak ko..ayoko ng investment
Korek dapat term insurance lang.
Ibang iba yung VUL ng PRULIFE kesa sa ibang life insurance, kase mababa lang yung premium pero mataas yung coverage at yung premium niya is 2000 pesos lang sa age ko but million life insurance coverage na po.
Baka term yan
Hello po sir vince! Parang similar po doon sa kinuha kong insurance 7yrs ang payment 58900 per year. 20yrs ang maturity. Ano po ang suggestion? Puede ko kayang icansel yung policy. Di ko alam k7ng vul sya .
Long term healthcare yung sayo po with investment.. iba din yung VUL. Actually iba2 kase talaga ang insurance, depende kse yan kung ano priority mo kaya nga meron financial check-up na nangyayari para malaman or ma evaluate ni financial planner kung ano priority mo in life. Better ask your agent or financial planner b4 buying insurances..wag mahiya pong magtanong
Very informative 🙏 Saan po kukuha ng term insurance?
Hi mam, This is Rose Ann Duque from FWD Life PH, Let me know if you are still looking for a Term insurance 🧡
Thank u sir Vince.. madami na sa amin ang akala namin naka kuha na ng magandang investment or VUL... Sayang pala ang perang Pinag-hirapan, tapos majority sa company at agent lang pala mapupunta huhu..
yung AIA philam life - vitality, anu po bang klase na insurance yun? VUL or Term? pls enlighten po thanks
Reward system yun, whether VUL or term insurance kinuha mo. May option ka naman na magvitality or hindi. 200php load lang naman makukuha mo kapag naglakad ka ng at least 5 times na 12.5k steps in a week.
Kumuha ako dati ng vul pero tinigil ko kc naiistress ako dahil laki ng charges 1 to 3 years nag aalala ako nun kc bka mahinto ako sa pgbyad if mwalan ako ng work at wala kc un kasamang critical illness kya ng aalala din ako if mgkasakit ako .
Nakuha mu ba mam yung... Nahulog mu nang 3 years.. KSe Ko vul. 30k one years ko po eh... 3 years na ako nag huhulog 10 years to pay
@@ronnieportento4711 di ko n kinuha wala p naman 1years un eh.. ipagpatuloy mo n lang sayo kung nkaabot kna ng 3years.
sir vince gud evening po ask lang po ako ,regarding po sa bdo life insurance ko, isa po ako ofw na nakapaghulog lng ng 2 yrs at naistop po yun dhil inabutan po akong ng lockdown nung 2020 during my vacation at dkona nacontinue ung hulog ko,,for 8 yrs terms of payment ..papano ung naihulog ko makukuha kopa po ba yun?
Salamat sir vince bago ako kumuha napanuod ko to so back out muna ako at mag aaral pa maige ng Term insurance na papasukin ko muntikan nako mapa Oo ng isang agent agad agad
how to get term insurance po. thanks
Why are financial instruments that do not guarantee at least break even for investors, allowed to lure clients to entrust their hard earned money? Who is to protect us?
Meron akong VUL. Ang tanong ko paano nila nasasabi na hindi maganda ang VUL? Is it base ba sa experience nila or hula-hula lang?
Sadly this video is misleading
MP2 vs VUL ,in my opinion MP2 is better because you can reap your investment after 5yrs. With the compounding dividend
Ako natapos kona yung VUL ko for 5 years to pay nagulat ako 194k ko naging 156k nalang nalugi ako ng 38k😢 hindi naman sinabi ng FA ko na pagnatapos na ng 5 years mag kakaltas pa rin pala.. ngayon surrender policy na ako.. hirap kasi pag naubos ang funds mo kakaltas mababaliwala ang insurance ko.. FWD insurance po ako...
May mga nagagalit. Pero totoo din naman yung ibang mga sinabi ni sir about "cons" of VUL. I have VUL kaya relate ako. Wag maniwala sa mga sinasabi lang ng financial advisor. Research kayo on your own, at hingi kayo advise sa mga clients na nakatapos na magbayad VUL. Hirap kasi sa ibang financial advisor hindi naman ineexplain ang "cons" of VUL. Puro "pros" lang sasabihin. Makabenta lang. Swerte yung mga "honest" ang advisor. Yung tipong discuss lahat sa client. Especially yung "worst case scenario" na pwede mangyari sa funds mo sa VUL.
correct po kayu, financial advisors will never tell you the downside of VUL, they evade or won't discuss the investment risks😥
@@arbb7180 true po. 😔
Correct! Relate much.
True, ayan sila sa comment section super defensive.
Sir may tanong po ako, about nmn sa educational plan ng anak ko, nag babayad akp quarterly ng 13000 , parang malaki din napupunta sa premium, ano po maganda alternative, thank you Godbless po, sana talaga mabasa mo po ito at makapag response ka.
Paano po 3 years na ako nag hhulog Vul po ako
Sir Vince, pwede mo ba ako matulungan? kumuha ako insurance para sa anak ko 5 yrs term.,9 yrs na ngayon yung insurance check ko yung fund value nabawasan sya ng 170k+ imbes na tumubo sya for 9yrs eh nabawasan pa yung mga hinulog ko. Di ko maintindihan anong nangyari 😭 nilalaan ko yun pang college ng anak ko ngayon mag college na sya😢 Please help ano pong dapat gawin😭
VUL - Clever marketing strategy aim to people who has little to zero knowledge in investing. not sure lang sa insurance side
Sir. Good morning i'm planning to withdraw my VUL. 4years na po ito. Semi annual payment. 48k annual. Dapat 190k ang pera but nakapasok sa investment 152k as of now. Sinasabi sa akin lugi daw ako kung kukunin ko agad. But nakita ko po videos nyo. "Cut the losses" lalo na down market now. Hindi na mahahabol. 71k lang po ma-withdraw. Your video po helps me to decide.
Madami po variables sa mga investment mediums. Each one may pros and cons. Ang maganda po siguro ikalat investment. Diversify ika nga...may point si sir, but ang worst po ay e withdraw ang nahulog nyo na, un po sure loss.
agree! Review again why did you get the VUL.
Thank you Sir, i experienced in BPI PHILAMLIFE..Naka 10yrs na ako mahigit sa investment na ito..Fully paid na yung P500k last 5yrs pero ngyn kukunin ko na eh P300k lng makukuha ko..
Same from 1M, 500k n lng kesyo pandemic daw eh nung hindi naman pandemic pababa padin ng pababa insurance kc binabayaran edi sana nag term n lng 5-10k lng annually. Budol is real.
Always remember pag nag invest ka dapat extra money Yung gagamitin mo at kaya mong antayin until 10 yrs. or more para ma appreciate mo talaga na kumita ang pera mo of course proper monitoring sa policy mo and always seek guidance with your FA.
Naisip ko tuloy mas maganda pa kumuha nang health card at mag invest sa mp2..mas mataas pa yung return wala pang penalty kung hindi ka makahulog.
Tama
Correct❤
Pa compute naman po sana mapansin.
Ofw po ako.
Plano kopo maghulog sa mp2 para sa educational plan ng anak ko. Grade 2 palang sya Ngayon.
(25,000php lang po ang kaya kong i spend per month at i divide ko sya sa 5 account ng mp2)
Mp2 account 1, year 1= 25,000php for 12 months
Mp2 account 2, Year 2= 12,500php for 12 months.
Mp2 account 3, year 3= 8,340php
For 12 months
Mp2 account 4, Year 4= 6300php
For 12 months.
Mp2 account 5, Year 5= 5000 php
For 12 months.
Para every year nag mamatured ang account ko. Tapos re invest ulit Hanggang mag college ang anak ko.
Tapos after 5years, ma withdraw kona yong mp2 account 1. Re invest ko ulit sya.
Pero I divided ko sya sa 5.
Para maging equal amount lahat ng account ko sa MP2. Account 1,2,3,4,5.
Paulit ulit lang ang gagawin ko until next year.
Thank you for this. Dapat talaga nag research ako talaga before getting VUL 3 years ago
Yung saken stop ko na
Anu kaya maganda Gawin mag stop na lang ba
I hv VUL and IM using siR vince approach towards BTID.. IT realy helps on how u diversify ur portfolio
The basis explanation explains well thank you for enlightning us
My pleasure
Sir same lang po ba to sa bdo life?
Hello po ask ko lang po,
Sa BTID po ba is covered until age 80? Since term insurance po sya let say matapos ang term insurance ko eg. After 20 years what will happen to my savings, and macocover prin ba ako pag nagrenew ako pag 65yo na ako. May coverage din po ba yan na Critical Illness benefits, accidental, total permanent disability?,at meron po bang benefits yan na si insurance company ang magtutuloy sa savings mo if incase u struck by total permanent disability.? Thanks for the answer.
Vul kami.Nakakalito kung magtransfer nakabayad na.Ang importante protected ka kung anong insurance meron.
Simply put, where do they get the high commissions for agents? Not from thin air but from high premiums.
1) VUL = investor > agent fee > agent company fee > fund manager fee > fund company fee > brokerage fee
2) Direct investment = investor > brokerage fee
Which one will you buy?
1) 500ml water for 50 pesos (VUL)
2) 500ml water for 10 pesos (direct investment, FMETF)
VUL is for lazy gullible people. Just open a brokerage account and invest your savings in FMETF regularly.
Hnd lahat may time para mag trade sa stock etc...
@@topsilog2236 invest on blue chip stocks at wag mo glawin, or kung gusto mo sureball kita, pagibig mp2
VULok ang utak nito😂
Sir, I have been struggling in planning to manage my money or earnings. But as I watched this video, I got gradually enlightened by how well you explained things. Now, I have a much clearer plan for my little money. God bless you always and stay safe. Keep inspiring and enlightening people lile me who wants to have financial freedom.
Welcome po. Subscribe po kayo sa channel ko at i-share ang mga videos para maraming matuto. TIA!
Ty sirvince Duda n talaga ako ma prof mopa talaga salamuch
My protection Po kayo not only Insurance. In case of death of policy holder you will receive the face amount of their policy,depending the amount of their policy.
In case of death, disability,accidents,critial illness insurance will help and assist you,and your family and love ones.
Hindi kawawa Ang mag invest sa insurance.malawak Po Ang protection at cover Ng VUL.
Ang term insurance ay pure protection lng Po no savings Po sa huli Ang term insurance kaya Po sya mura. Limitted Po ang coverage nito. depende Po sa yrs ng policy nyo. Pero ito naman Po ay renewable depende po Kong kayo ay insurable pa at tataas din Po Ang premium at babayadan nyo ,once na e renew po nyo Aang term insurance nyo.
UN Po Ang pag kakaiba Ng term insurance at VUL.
Sir ur right... Wise ang insurance...drawing...