Well said! I am also here to learn how to invest after listening to a lady on tv talk about the importance of investing and how she made 7 figures in 3 months, somehow the video taught me nothing and left me even more confused, I'm a newbie and I'm open to ideas on how to invest for retirement
@@MarcusFred-wn3iv lookup MARTHA ALONSO HARA , this is her name online, she's the real investment prodigy since the crash and has helped me recover my loses
@@MarcusFred-wn3iv Investment now will be wise but the truth is investing on your own will be high risk. I think it will be best to get a professional👌
Good am Sir Vince R, thank you so much sa vlogs mo. Marami akong natutunan dito. Sana, marami ka pang maipapamahaging kaalaman na maaari naming malaman at matutunan regarding sa best investment. More power and GodBless Sir Vince.
Hi sir I respect your videos and find it really informative. I have VUL and I do BTID as well and there also advantages of VUL such as more protection benefits in my policy and sir not all FAs only explain the advantages. My good friend is an FA and he told me the risk of my policy and the charges involved before getting one which I understood very well. Please don't make it look like all FAs are just doing it for the commissions. There are also FAs there that are doing honest work. Thanks!
Galing mo SIR! very honest straightforward about the disadvantages of buying VUL insurance and the advantages of buying term insurancec and invest the difference. BTID. Baka magalit sayo Yung mga FA kc sinabi mo Yung truth about VUL. Sana noon ko pa to nakita Para hindi nako nahirapan ano kukunin ko. Thanks po.
Finally found a wise and slight risk averse guru. I am not really comfortable with others kasi feeling nila lahat ng investment mo willing kang mawala.
Sir Vince ito po talaga yung confirmation na hinahanap ko... Thank you po for sharing this info. na hindi sinasabi ng mga agent... Sugar coating ginagawa nila especially sa pag highlight ng investment na sa company din naman pupunta in the long run... Sayang yung panahon na ikaw sana naka gamit ng pera mo to invest...
@@SirVinceRapisura super thanks, confirmation rin po ito sa akin kasi last year ko po naiisip na igive up VUL ko since ang laking chunk sa income ko yung monthly. I've messaged my FA agad-agad regarding withdrawal of my fund value. Will watch more of videos para sa susunod kong steps.
Thanks Sir Vinz, Buti napanood ko mga videos mo. Naka 2 hulog na ako sa VUL life insurance and investment din po. Di ko na ituloy charge to experience na lang po. 5k pa naman monthly ko. Sa MP2 na lang ako mag invest. Thank you so much❤️
Thank u now ko Lang napanood ang iyong TH-cam..kumuha AKO Ng life insurance pero wala pa akong anak and mag 9 yrs na AKO nagbabayad. Tapos kumuha din Kami Ng asawa ko Ng healthy insurance which I think needed talaga and soon I'll take Ur advise for MP2
Meron din akong vul, 4 years na yung nabbayaran ko, up until 7 years un. marami na rin nagddiscourage sakin sa vul pero ndi ko sya ihihinto for long term purposes. cguro depende sa financial goals ng tao. I think mas ok na may vul with health insurance, term, mp2 and emergency fund para sa peace of mind. Tamang disiplina sa paghandle ng pera. Magfocus na lang talaga paghanap pa ng additional source of income or side hustles.
Dahil dito sa video na to sir Vince Napa subscribe ako sobrang linaw po Ng paliwanag po ninyo nakakatuwa kasi Hindi katulad sa ibang financial guru puro mayayaman Lang ang inientertain halos pag nag comment po ako sa ibang financial guru hindi ako pinapansin kasi Hindi ako gaping ibang bansa bias sila pero po sa inyo nakakatuwa kasi lahat Ng aspeto Ng Tao basta gustong mag invest kinakausap nio po :)
@@SirVinceRapisura Baka nga po pero kahit ilang beses po akong magcomment wala pong reply ung financial guru parang Hindi niya po talaga pinapansin pag ung comment maliit na halaga Lang ang inquiry
Thank you for the idea. Number 1 reason ko talaga why I don't get life insurance pa is because wala naman akong dependents. So I don't see the need. Gusto ko rin yung idea na di na kukuha ng life insurance after mag-21 ng bunsong anak. :) So di ka naman pala talaga mapapamahal sa term insurance basta alam mo yung years kung kailan ka mag-aavail :)
I think dipende sa need ng tao. If investment ang need get mp2 if insurance to protect the family ang need get insurance. If you can really invest the diference get term. In short depende sa need
Usually ang purpose ng mga nag iinvest sa VUL is long term investment,yung pagtanda ay may nakalaan na retirement money.Pero hindi nga dinidiscuss ng mga nag alok ng VUL is yung pag bumagsak ang ekonomiya.sabihin 5 years lng bawi ka na.Mas mabuti nga sa MP2.secure tayo dun
Para sumali sa SEDPI Coop, kailangang matapos ang self-paced online pre-membership education seminar (PMES). Click this -> m.me/vincerapisura then type PMES and follow instructions from our chatbot. Thanks!
Thank you so much Sir Vince, i'm about to have my VUL from my former college classmates buti nalang napanuod ko ito. Inincourage ko pa bf ko kumuha din hehe. Mag Mp2 nalang kami at may HMO nanam kami kasi employed kami.
Kuha po Kayo separate health insurance na critical illness or minsan may term with critical illness. Para sure po tayo Kasi di enough HMO kapag nagkasakit ng critical illness.
Bravo! Sa mga agent insurances priority nila un makkuha nila pera puro kwento palabok. Mabuti nlng may kua vince ang pinas na magppaliwanag NG maayos about insurances.
Omg 😱 Thank you so much po . Sobrang eye opener nito sakin. I'm about to buy VUL policy from my workmate . I thought it'll be the best birthday gift to myself for my 21st bday but after watching your video Hindi pala (it's a prank!) . We've been talking about it for more than 3months now di lang matuloy tuloy dahil sa busy sched. To be honest it was very enticing and I'm about to sign up for this a couple of days from now without knowing the disadvantage. He already set a sched for us to sign me up haha 😂 pero I changed my mind now . More power po! God bless
Term insurance is increasing po ang yearly payment, ang VUL po ay fixed amount for like 5, 7, 10, or 15 years pero covered po kayo up to 100 years old. If I were you po the best is VUL.
@@petertrinidad2251 I have VUL 10 yrs to pay 18k Per YEAR Sunlife covered ako till 88 with accendental and disability. Hindi ko alam kung bakit pinagdaramot nya yung commission ng agent eh wala naman silang sahod at advisor ko yun till mamatay ako. And lalaki nmn yung pera mo in time, impossible maging negative yan. Madami ding types ng Fund dun ka sa low risk if ayaw mo ng high risk with high income.
Ang proposal sakin ng FA sa Sunlife for a term insurance is 250 pesos lang madadagdag per annum amd the following years plus 300 then 350 and so on. So, okay lang din kasi mababa pa rin.
Hi Mr. Vince, have you heard about Kaiser and Pacific Cross? What is your takeaways po? Can you share a good insurance with life and health insurance covered? What term insurance can you recommend? Thank you for your answer 😊
VUL is for long term investments. So if short sighted ka at walang discipline to save money, best follow his advice. Pero if committed ka naman, VUL is the best. It offers a level premium up to old age mo. Term insurance is lalaki yung premium throughout the years habang tumatanda ka. And might be required pa to keep submitting medical erts
sir vince pansin ko lng wala nang agents n nagagalit sa mga vlogs mo parang naliwanagan na rin sila😄..muntik n rin ako mabiktima ng vul na yan buti nlang sa philequity ako napunta..thanks sa pagppaliwanag tungkol sa btid...👍👍👍
Reply ako sir ha =D Victima talaga sir ng VUL? hehehe..May sasabihin lng po ako sir :) Kung may 2 Million ka na sum assured sa VUL mo kasi malaki ang coverage ng VUL lalo na't bata pa nag start, "always natin na makuha yon sir" maliban lang kung mabuhay tayo more than 100 years old. Plus yong "Retirement Fund natin makuha yon natin", sabihin natin 1 million, at ang nahulog namn ay hindi naman umaabot ng 1 million cgurado, kung 10 years lang nag hulog nasa 360,000 lng @ 3k per month. Another thing in VUL is insured din ang premium natin sa in case of disability to work na na tayo si comapany na tuloy mag magbayad until retirement age of 65, at wala po yan sa term insurance po. Ngayon, dahil sa VUL we Died Rich Na tagala kasi mag iwan tayo ng 2 million sa Pamilya natin, Hindi dibah? sure yon sir nasa policy yon, sarap dibah sir? hehehehe. Hindi ba maganda ang VUL dahil jan? Para sa akin maganda po ang VUL.Maganda din ang BTID. Nagandahan din ako sa Idea nyan at gawin kong option yon, mag Invest din ako sa pag-ibigMP2, at para sa mga nagbasa nito option din yon alin sa dalawa pasukan mo kung hindi ka maguguluhan every year mag renew ng insurance tigok pa pera at every 5 years mag renew sa pag-ibig MP2 so doon ka okay yan jan sir.KUng Contractual lang ang Trabaho Payo ko CoOp nalang pasukan pwidi pa mag loan sa coop...ako matagal na ako sa cooperative dahil yon lang alam ko noon. Salamat po
Np-subscribe ako agad agad😁 thank you sir for very informative topic,, Ang dmi ko ng pinanood about vul and btid pero ito lng naintindihan ko😁 very timely kc I'm planning to get insurance and you are right most of the FA or agent they push VUL.😤
VUL makes you pay for something that will give you savings and investments. You have the option of paying for 5, 7, 10 or 15 years and you are covered din up to 100 years old. Kapag term insurance e lahat ng hulog mo e punta lang sa protection, and as you age lumalaki ang yearly payments mo, pero ang VUL e fixed amount lang for 15 years ang hulog mo. VUL also gives you the discipline to save monthly kaya mas malaki ang chance na maka accumulate ka for your retirement. You have the gift of time to compound your investment. Pero sa term Insurance you don’t get that discipline to save monthly kc purely protection lang. And hindi po siya subjected to estate tax. For me I recommenced VUL.
Sorry disagree ako stopped my VUL kasi antagal ko syang babayaran at nag compute hindi talaga makaconpensate mg binabayad ko monthly.. Kaya lumipat ako sa MP2 at happy ako sa income since 2014 ako member.. At continue pa rin yong COL (stock market) ko maintaining 5 companies na. Maganda magbigay ng dividends
@@jennifertan2730 sad sayang.. Kung sa MP2 yabln malaki na dividends mo. .. No choice but patulugin mo na sa kanila hanggat kelan mo kaya antayin.. Baka nag start ka noon super taas at ang maganda ang market.. Bakit 1 time kasi. Good luck sana makabawi ka
Good day sir vince Im happy habang nag sesearch po ako ng Life insurance anu dapat ko kukunin ,I saw your video Slamat po sa advice nyo Anu po kayang health or life insurance ang dapat ko kunin?
Ang term insurance po sa pagkaintindi ko k Sir Vince is as long as u pay, it covers u. But as you get older, the contribution gets higher. So if within a year, walang nangyari sau, start ka uli another year.
Saan po ba sir nakakabili ng mga term insurance lang ? Nakakakuha ako dati ng pru life vul inistop ko na sya last year. Mas gusto ko na ng term insurance at mp2
Hello po sir vince.. ngayon lng po kasi aq naliliwanagan s mga investment.... meron po kasi aq kinuhang insurance dati s pinas almost 4 years npo sya pero nung nagcheck po aq ang fund value po nya is nasa 70k plang and then 34k lng makukuha kpag iterminate q... 10yrs maturity po ituloy qp po b sya or cancel qn then invest nlng s mp2
Pwedi po bumili ng long term insurance sa pinas kahit nasa ibang bansa kayo, kasi habang nagkaka edad tayo ng mamahal mo ang babayaran ntin sa insurance.. take note: long term insurance , hindi short term insurance.
pwede namang meron kang both VUL and MP2, mas okay yun, pero gaya nga Ng Sabi, buy term insurance if Meron Kang dependent, if bread winner ka para kapag may nangyari sayo may matatanggap any benefits mo, pwede din yung term insurance kapag may loan sa bangko. VUL Kasi mas mahal talaga pero may investment portion pero nakadepende sa market yung growth Ng Pera and at the same time may lifetime health insurance and critical care illness. Maganda din Ang VUL tapos may MP2 ka pa pak na pak
Saka na bumili ng health insurance kasi covered pa sa company? What if hindi na insurable by that time na magresign si ate? Delikadong payo po ito. Parang tama at masarap sa pakiramdam ang mga payo, all based on ideal situations. Pero sa totoong buhay, hindi laging ideal ang nangyayari.
May term.insurance naman.pwede un ang kunin if di na employed or if mapunta sa employer na di nagbbgay ng libreng insurance.pwede namang mag save or.mag invest habang libre pa ang insurance
@@nyrliegarcia369 whether health insurance or term insurance, kelangang insurable pa din by that time pag nagapply. good kung insurable pa. paano kung hindi na? not all situations are ideal. madami nang nagsisi sa pagdelay ng pagkuha ng insurance. getting insurance is about mitigating risks. ok ang magsave at maginvest early for future health expenses. but there are a lot of risks in doing this. we can always pass the risk to an insurance company for a minimal premium. whether the market is down or up, they are bound to pay the benefits.
Kahit po tingnan ang long term sa VUL, mas mababa pa din ang return ng fund value nito kumpara kapag BTID ang gagawin. Take the fact na frontloaded ang fees sa VUL kaya ambaba ng fund allocation sa beginning years. This is crucial kasi you miss out on the large base effect when it comes to compounding. I’ve been showing my numbers here comparing VUL and BTID. Yun kai dapat ang gawin because numbers don’t lie.
Sept. 9, 2020 5 years ago, kumuha ako ng VUL. 150K ang nahulog ko. Natapos kong hulugan yung 5 years. Because of this pandemic, nag-full withdrawal na ko kase baka magkaproblema, kelangan ko ng cash. Nasa 100K lang yung nakuha ko kahapon lang. Never again VUL. Luge pa ako. Anyway, move on na lang and learn from experience. Pass muna ako sa insurance, tutal single naman ako at walang dependents. Di man ako insured sa ngayon, may cash reserve naman ako for now. Try ko na lang ang PAGIBIG MP2. Babawi ako sa dividends.
@@michaelmonding5032 Pumunta ako sa office nila, kinausap ko yung agent, humingi ako ng withdrawal form tapos napasok na sa savings account ko in 7 banking days. Bagong agent yung nakausap ko personally, kasi yung talagang insurance agent ko, di na ma-contact kasi nakakakuha na sakin ng commission. Hehe
What I've learned po about VUL Is maganda sya for long term goals.Hindi lng cguru iniXplain Ng maayus Ng FA mo Nung una. Sayang nmn winithdraw mo dis pandemic ,mababa talaga kasi bad Yung market.
Kumuha ako ng PODEF..ewan ok kung VUL.yun nalilito ako ..wala akong balita kung ano na ngyari...110k yun nilagay ko s abank...nka 5years nko..hnd mn lng nag.uupadate yun agent..inauoadate lng ako kpg nagpalit sila ng agent😂😆
@@renerianavarro yeah tama ok ang vul kung may mga dependents ka talaga dapat kasi cguro maliban sa investment may emergency fund na tayo para hindi tayo mapilitang mag terminate ng insurance natin
Wag na ituloy. 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/
Good Day Sir! Requesting po na itackle niyo po yung Pros and Cons of VUL and Term. Such as yung VUL po ata ay hanggang 88 years old ka insured if I'm not mistaken po while Term is 65 lang mga ganon po. And may pagkakataon po ba hindi ka maqualified for term insurance or lumaki yung bayad kasi nagkasakit ka or what before mag renew ulit po ganon. Also yung liquidity ng fund din po for vul investment link (equity) vs MP2 or other investment vehicle, etc... Sorry po kung medyo demanding yung request. 😅 I'm 22 years old po and kakastart lang po mag work kasi and I wanna be strategic po financially 😅. Thank you po for this video for awareness na marketing strategy lang po talaga nung VUL yung pinagpopost nila na magiging fund value na mataas dahil nakabased sa 10% per annum hindi by historical rate 😅
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/
@@lora1253 projection lng po ang alm ko 10 percent mostly po 5 to 10 percent gnon per annum un ang alm ko a have also vul and mp2 mgnda kc sa vul hngng 100 years old cover k p rin ng health insurnce ska may choice ka nmn n kunin ang pera after maturity ksma ang tubo if atw mo ng ituloy.
Hi sir vince! Pls discuss in your content the Gold Jewelry as investments or savings. Maganda po ba talaga to? Pede ba itong maging investment ko for my child's education?
Hello sir Vince, sana ma notice mo po ito. Maaari mo ba madiscuss or mareplyan nalang dito kung ang KAISER ng IMG (international marketing group) na 3in1 life insurance+Healthcare+Investment - - - - same lang din ba ito na parang VUL??? Kkuha dn sana kc ako sana nitong kaiser. Thanks po.
Basta insurancr may halong investment di ko bet. 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/
May tanong po ako. Health insurance din po sana gusto ko avail. Kaso lahat ng puntahan ko na mga insurance company, pinipilit talaga ibang product. Eh alam ko naman na habol lang nila is maka comission sila.
Sad but true. Sometimes, someone not concerned about the client's welfare will one day give you a coffee invite, not knowing that the agenda of the meeting is not kumustahan but VUL selling. I guess, that is because of the pressure to hit their quota for bonus and incentives aside from commissions. Sad but that is injustice, to be enriched at the expense of another person not supposed to get a VUL product.
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: th-cam.com/video/F4D2cv2Bv5A/w-d-xo.html 5. Sample BTID: th-cam.com/video/0jFnmIcu70c/w-d-xo.html
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/
Hi Sir, PG member ka n ng Pag ibig MP2 , automatic b yan n ngkaroon ka n ng BTID or I need to enroll, but the only thing I can't sign in to my MP2 s pag ibig.
add ko lang po sa sinabi ni sir vince na mas maganda na kumuha ng long -term healthcare plan po that will cover dreaded diseases.(pre-existing conditions) at sa mga OFW mas maganda na kumuha nito habang may trabaho sa abroad at younger po tayo. kasi pag antayin po natin na tumanda at bumalik sa pilipinas saka palang tayo bibili ng plan.. sobrang mahal po ang premium. .
Hello sir, meron po ba kayo tips saan company pwede at maganda mag avail ng Term insurance. lagi kasi avoided n agent na ibenta ang term insurance. thanks sir.
If you’re looking for a long term investment (more than 10years), continue nu na lang po. Pero kun for short term lang po kau, meaning plano nung iwidhtraw after 5years, think twice po of ull continue...
Sir good evening, pwde pa ba ma terminate yung acct ko s VUL? At mababawi ba ung mga nahulog sa insurance company ? Ano po ba mas better.. Please give me sum advice po
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/
Balak ko p sana kmuha ng Kaiser dahil my Healthcare din sya na kailangan dn ntin soon pag tayo ay tumanda. Ano po masasabe nyo sir vince??? Marerecommend mo dn b ang Kaiser???
Hi Sir Vince, I appreciate your content. Can you please advise me where can I get a term insurance that is same to your illustration? Thanks in advance :)
Concern ko lang po, marami po gusto kumuha ng insurance for their health concern, pag wala na sila work, pero gusto nila kumuha while working at meron pa sila pang bayad... wala po ba insurance na me kasama or for health lang / hospitalization/check up
Ang down side lang ng Term insurance ay hangga't hindi ka nagkakasakit, wala kang macclaim sa insurance company mo. Like for example 25 ka pa lang kumuha ka na ng term insurance, then at the age of 55 wala ka pa din sakit, yung hinulog mo for 30 yrs bye bye na. Wala kang napala. Sa age ko (25) nag paquote ako ng VUL=31k per annum with critical illness at iba pang riders then nagpaquote din ako ng term insurace 22k per annum. Yes mas mura sya kesa sa VUL pero hanggat di ako nagkakasakit wlaa sya pakinabang. Unlike VUL, may investment side sya na pwede mong kunin once nagmature na ito at 5 years to pay lang.
Mam pag sumakay ka ng jeep mula point A to B at nakarating ka sa place na pinuntahan mo na maayos gusto mo pagbaba mo kunin mo pa rin.pamasahe mo ? Gusto mo libre lahat na may proteksyon ka?
Hello sir vince. Do you siggest na kmusta aq ng insurance? Single po ako 27 years old. And wala po akong plan mag asawa. Ok lang ba dependents q is ung parents ko 57 years old and ung single na sister ko 25 years old?
Basta insurance with investment, hindi ko gusto 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/
Been watching, listening, and paying attention to all of predictions and forecasts since early Covid. He hasn't disappointed yet 👌
Well said! I am also here to learn how to invest after listening to a lady on tv talk about the importance of investing and how she made 7 figures in 3 months, somehow the video taught me nothing and left me even more confused, I'm a newbie and I'm open to ideas on how to invest for retirement
@@MarcusFred-wn3iv lookup MARTHA ALONSO HARA , this is her name online, she's the real investment prodigy since the crash and has helped me recover my loses
@@BrunoLuke Despite the economic crisis and the rate of unemployment now is the best time to invest
@@MarcusFred-wn3iv Investment now will be wise but the truth is investing on your own will be high risk. I think it will be best to get a professional👌
@@BrunoLuke Thank you, Going through her profile on her webpage out of curiosity, and surprisingly she seems proficient. I appreciate this.
Good am Sir Vince R, thank you so much sa vlogs mo. Marami akong natutunan dito. Sana, marami ka pang maipapamahaging kaalaman na maaari naming malaman at matutunan regarding sa best investment. More power and GodBless Sir Vince.
Hi sir I respect your videos and find it really informative. I have VUL and I do BTID as well and there also advantages of VUL such as more protection benefits in my policy and sir not all FAs only explain the advantages. My good friend is an FA and he told me the risk of my policy and the charges involved before getting one which I understood very well.
Please don't make it look like all FAs are just doing it for the commissions. There are also FAs there that are doing honest work.
Thanks!
Agree to this. It's not only the commission. It's the partnership between FA and Client. This is a long term goal.
Galing mo SIR! very honest straightforward about the disadvantages of buying VUL insurance and the advantages of buying term insurancec and invest the difference. BTID. Baka magalit sayo Yung mga FA kc sinabi mo Yung truth about VUL. Sana noon ko pa to nakita Para hindi nako nahirapan ano kukunin ko. Thanks po.
Finally found a wise and slight risk averse guru. I am not really comfortable with others kasi feeling nila lahat ng investment mo willing kang mawala.
Nako…. Jan ka nagkakamali. 😅
Sir Vince ito po talaga yung confirmation na hinahanap ko... Thank you po for sharing this info. na hindi sinasabi ng mga agent... Sugar coating ginagawa nila especially sa pag highlight ng investment na sa company din naman pupunta in the long run... Sayang yung panahon na ikaw sana naka gamit ng pera mo to invest...
This is the best explanation I found about BTID comparison from VUL. Love it!
Same kami ni Wendy. Thankful ako na narecommend ito sa akin na mapanood ko. 🥰💛 Thank you, sir.
Yey! Salamat po. Share niyo po videos natin para magkasama tayo sa pagpapalaganap ng financial literacy sa Pilipinas.
@@SirVinceRapisura super thanks, confirmation rin po ito sa akin kasi last year ko po naiisip na igive up VUL ko since ang laking chunk sa income ko yung monthly. I've messaged my FA agad-agad regarding withdrawal of my fund value. Will watch more of videos para sa susunod kong steps.
Thanks Sir Vinz, Buti napanood ko mga videos mo. Naka 2 hulog na ako sa VUL life insurance and investment din po. Di ko na ituloy charge to experience na lang po. 5k pa naman monthly ko. Sa MP2 na lang ako mag invest. Thank you so much❤️
Paano nyo po pina cancel/terminate ung policy? Sayang ang ilang months na nahulog ko. Pero buti na lang napanood ko ito.
Salamat Sir Vince, buti n lng sa MP2 aq, God bless po
Finally! Thanks!!! May ipapakita na ako sa mga nagtatanong sakin about BTID :)
#GoodbyeVUL
Sir thank you so much for the info. Straightforward and what I really needed to make a decision.
Wow...sayo ko lang fully naintindihan ang comparison ng BTID at VUL. Thank you sooo much for the concise and fun explanation. God bless and stay safe
Thank you for helping Filipinos in the true sense of HELPING :)
Thank u now ko Lang napanood ang iyong TH-cam..kumuha AKO Ng life insurance pero wala pa akong anak and mag 9 yrs na AKO nagbabayad.
Tapos kumuha din Kami Ng asawa ko Ng healthy insurance which I think needed talaga and soon I'll take Ur advise for MP2
Meron din akong vul, 4 years na yung nabbayaran ko, up until 7 years un. marami na rin nagddiscourage sakin sa vul pero ndi ko sya ihihinto for long term purposes. cguro depende sa financial goals ng tao. I think mas ok na may vul with health insurance, term, mp2 and emergency fund para sa peace of mind. Tamang disiplina sa paghandle ng pera. Magfocus na lang talaga paghanap pa ng additional source of income or side hustles.
Mag Invest ako ng Term Insurance Business😅 Thank you for promoting sir Vince
Dahil dito sa video na to sir Vince Napa subscribe ako sobrang linaw po Ng paliwanag po ninyo nakakatuwa kasi Hindi katulad sa ibang financial guru puro mayayaman Lang ang inientertain halos pag nag comment po ako sa ibang financial guru hindi ako pinapansin kasi Hindi ako gaping ibang bansa bias sila pero po sa inyo nakakatuwa kasi lahat Ng aspeto Ng Tao basta gustong mag invest kinakausap nio po :)
Baka naman di lang nakita comment mo tsaka masyado madaming comments di na nila kya sagutin.
@@SirVinceRapisura Baka nga po pero kahit ilang beses po akong magcomment wala pong reply ung financial guru parang Hindi niya po talaga pinapansin pag ung comment maliit na halaga Lang ang inquiry
@People Over Money sige po follow kO po kau
thank you sir Vince. Very informative lalo na sa meron VUL.buti nalang hindi pa ako kumuha ng insurance na may kasamang investment.
kumusta po experience nyo sa VUL
Thank you for the idea. Number 1 reason ko talaga why I don't get life insurance pa is because wala naman akong dependents. So I don't see the need. Gusto ko rin yung idea na di na kukuha ng life insurance after mag-21 ng bunsong anak. :) So di ka naman pala talaga mapapamahal sa term insurance basta alam mo yung years kung kailan ka mag-aavail :)
I think dipende sa need ng tao. If investment ang need get mp2 if insurance to protect the family ang need get insurance. If you can really invest the diference get term. In short depende sa need
salamat sir vince. madami ako natutunan lalo na sa Life Insurance at VUL. God bless po.
Welcome po. Subscribe po kayo sa channel ko at i-share ang mga videos para maraming matuto. TIA!
@@SirVinceRapisura sir, subscribed na ako sa inyo :-)
Maraming salamat sir vince sa lifetime financial education ❤
Welcome po. Subscribe po kayo sa channel ko at i-share ang mga videos para maraming matuto. TIA!
Usually ang purpose ng mga nag iinvest sa VUL is long term investment,yung pagtanda ay may nakalaan na retirement money.Pero hindi nga dinidiscuss ng mga nag alok ng VUL is yung pag bumagsak ang ekonomiya.sabihin 5 years lng bawi ka na.Mas mabuti nga sa MP2.secure tayo dun
Hello... I'm so eager to invest... Sa BTID.. public teacher po ako Dito sa manila.. Ang ganda Ng explanation nyo po ....
Para sumali sa SEDPI Coop, kailangang matapos ang self-paced online pre-membership education seminar (PMES). Click this -> m.me/vincerapisura then type PMES and follow instructions from our chatbot. Thanks!
Thank you so much Sir Vince, i'm about to have my VUL from my former college classmates buti nalang napanuod ko ito. Inincourage ko pa bf ko kumuha din hehe. Mag Mp2 nalang kami at may HMO nanam kami kasi employed kami.
Kuha po Kayo separate health insurance na critical illness or minsan may term with critical illness. Para sure po tayo Kasi di enough HMO kapag nagkasakit ng critical illness.
Bravo! Sa mga agent insurances priority nila un makkuha nila pera puro kwento palabok. Mabuti nlng may kua vince ang pinas na magppaliwanag NG maayos about insurances.
Grabe thank you talaga sir. Mas nalinawan ako sa explanation mo
Life Insurance is good if you are a sole breadwinner, married and has dependents. MP2
and term insurance is good also.
Korek!
Wow! Thank you so much sir!! I was going to buy sana ung life insurance but got more insights here.
Yey!
@@SirVinceRapisura sir san po ako pwede mag apply ng term insurance po
Omg 😱 Thank you so much po . Sobrang eye opener nito sakin. I'm about to buy VUL policy from my workmate . I thought it'll be the best birthday gift to myself for my 21st bday but after watching your video Hindi pala (it's a prank!) . We've been talking about it for more than 3months now di lang matuloy tuloy dahil sa busy sched. To be honest it was very enticing and I'm about to sign up for this a couple of days from now without knowing the disadvantage. He already set a sched for us to sign me up haha 😂 pero I changed my mind now .
More power po! God bless
There are different kind of VUL po.
One his talking is protection focus na VUL🙂
Term insurance is increasing po ang yearly payment, ang VUL po ay fixed amount for like 5, 7, 10, or 15 years pero covered po kayo up to 100 years old. If I were you po the best is VUL.
@@petertrinidad2251 Korek.
@@petertrinidad2251 I have VUL 10 yrs to pay 18k Per YEAR Sunlife covered ako till 88 with accendental and disability. Hindi ko alam kung bakit pinagdaramot nya yung commission ng agent eh wala naman silang sahod at advisor ko yun till mamatay ako. And lalaki nmn yung pera mo in time, impossible maging negative yan. Madami ding types ng Fund dun ka sa low risk if ayaw mo ng high risk with high income.
Ang proposal sakin ng FA sa Sunlife for a term insurance is 250 pesos lang madadagdag per annum amd the following years plus 300 then 350 and so on. So, okay lang din kasi mababa pa rin.
Thank you Sir Vince, very informative.
Newbie FA ako,napa subscribe tuloy ako,.dahil wala pa ako napiling magandang plan,.plan na may guaranteed payouts,ung walang talo😂
maraming po salamat sa info po God bless
Thank you sir
Share niyo po videos natin para magkasama tayo sa pagpapalaganap ng financial literacy sa Pilipinas.
Term Insurance business is the best malaking kitaan. Im sure yon ang business ni sir Vince 😁
Hi Mr. Vince, have you heard about Kaiser and Pacific Cross? What is your takeaways po? Can you share a good insurance with life and health insurance covered? What term insurance can you recommend? Thank you for your answer 😊
Thanks sir naliwanagan ako,
VUL is for long term investments. So if short sighted ka at walang discipline to save money, best follow his advice. Pero if committed ka naman, VUL is the best. It offers a level premium up to old age mo. Term insurance is lalaki yung premium throughout the years habang tumatanda ka. And might be required pa to keep submitting medical erts
Very informative. Thank you Sir.
Welcome po. Subscribe po kayo sa channel ko at i-share ang mga videos para maraming matuto. TIA!
sir vince pansin ko lng wala nang agents n nagagalit sa mga vlogs mo parang naliwanagan na rin sila😄..muntik n rin ako mabiktima ng vul na yan buti nlang sa philequity ako napunta..thanks sa pagppaliwanag tungkol sa btid...👍👍👍
Yey! Sana nga.
Reply ako sir ha =D
Victima talaga sir ng VUL? hehehe..May sasabihin lng po ako sir :) Kung may 2 Million ka na sum assured sa VUL mo kasi malaki ang coverage ng VUL lalo na't bata pa nag start, "always natin na makuha yon sir" maliban lang kung mabuhay tayo more than 100 years old. Plus yong "Retirement Fund natin makuha yon natin", sabihin natin 1 million, at ang nahulog namn ay hindi naman umaabot ng 1 million cgurado, kung 10 years lang nag hulog nasa 360,000 lng @ 3k per month.
Another thing in VUL is insured din ang premium natin sa in case of disability to work na na tayo si comapany na tuloy mag magbayad until retirement age of 65, at wala po yan sa term insurance po.
Ngayon, dahil sa VUL we Died Rich Na tagala kasi mag iwan tayo ng 2 million sa Pamilya natin, Hindi dibah? sure yon sir nasa policy yon, sarap dibah sir? hehehehe. Hindi ba maganda ang VUL dahil jan? Para sa akin maganda po ang VUL.Maganda din ang BTID. Nagandahan din ako sa Idea nyan at gawin kong option yon, mag Invest din ako sa pag-ibigMP2, at para sa mga nagbasa nito option din yon alin sa dalawa pasukan mo kung hindi ka maguguluhan every year mag renew ng insurance tigok pa pera at every 5 years mag renew sa pag-ibig MP2 so doon ka okay yan jan sir.KUng Contractual lang ang Trabaho Payo ko CoOp nalang pasukan pwidi pa mag loan sa coop...ako matagal na ako sa cooperative dahil yon lang alam ko noon.
Salamat po
Jouey Ambray so congrats to you👍
Buti nalang napanood ko to
Ang gnda ng explain mo Sir....
Salamat po. Share niyo po videos natin para magkasama tayo sa pagpapalaganap ng financial literacy sa Pilipinas.
Np-subscribe ako agad agad😁 thank you sir for very informative topic,, Ang dmi ko ng pinanood about vul and btid pero ito lng naintindihan ko😁 very timely kc I'm planning to get insurance and you are right most of the FA or agent they push VUL.😤
VUL makes you pay for something that will give you savings and investments. You have the option of paying for 5, 7, 10 or 15 years and you are covered din up to 100 years old. Kapag term insurance e lahat ng hulog mo e punta lang sa protection, and as you age lumalaki ang yearly payments mo, pero ang VUL e fixed amount lang for 15 years ang hulog mo. VUL also gives you the discipline to save monthly kaya mas malaki ang chance na maka accumulate ka for your retirement. You have the gift of time to compound your investment. Pero sa term Insurance you don’t get that discipline to save monthly kc purely protection lang. And hindi po siya subjected to estate tax. For me I recommenced VUL.
Sorry disagree ako stopped my VUL kasi antagal ko syang babayaran at nag compute hindi talaga makaconpensate mg binabayad ko monthly.. Kaya lumipat ako sa MP2 at happy ako sa income since 2014 ako member..
At continue pa rin yong COL (stock market) ko maintaining 5 companies na. Maganda magbigay ng dividends
BS , yng VUL na kinuha ko sa Allianz one time payment of 500k . 8years na negative pa rin ang ROI. Market value 300k na lng.
@@jennifertan2730 sad sayang.. Kung sa MP2 yabln malaki na dividends mo. .. No choice but patulugin mo na sa kanila hanggat kelan mo kaya antayin.. Baka nag start ka noon super taas at ang maganda ang market.. Bakit 1 time kasi. Good luck sana makabawi ka
Good day sir vince
Im happy habang nag sesearch po ako ng Life insurance anu dapat ko kukunin ,I saw your video
Slamat po sa advice nyo
Anu po kayang health or life insurance ang dapat ko kunin?
Until what age po pwede icover ng term insurance? Sa VUL po kc 10yrs to pay pero covered nman ung life insurance until age of 88.
Ang term insurance po sa pagkaintindi ko k Sir Vince is as long as u pay, it covers u. But as you get older, the contribution gets higher. So if within a year, walang nangyari sau, start ka uli another year.
Thanks sir vince
Welcome po. Subscribe po kayo sa channel ko at i-share ang mga videos para maraming matuto. TIA!
Grabi tlaga noh paano Yan po sir àko kmuha àko Ng 3in I insurance
Thanks for ur video informative..
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STARTED MY MP2 AND MUTUAL FUND LAST MONTH...GONNA GET THIS TERM INSURANCE THIS MONTH
Yey! Salamat.
Sir Kali saan k kmuha ng Separate Mutual Fund???
@@SirVinceRapisura thanks to you sir vince
New follower po ako, thanks for the informative video po. Pwde po pabulong yung sinabi mo na comprehensive health coverage plan niyo po. ❤❤❤❤❤
Sir how about kaiser ok kaya yun.. Naka 3 yrs na ako sa vul at 100k+ palang dn ang fund value nya. 4,556 dn ang monthly nya
Saan po ba sir nakakabili ng mga term insurance lang ? Nakakakuha ako dati ng pru life vul inistop ko na sya last year. Mas gusto ko na ng term insurance at mp2
thanks sir vince..
Welcome po. Subscribe po kayo sa channel ko at i-share ang mga videos para maraming matuto. TIA!
Hello po sir vince.. ngayon lng po kasi aq naliliwanagan s mga investment.... meron po kasi aq kinuhang insurance dati s pinas almost 4 years npo sya pero nung nagcheck po aq ang fund value po nya is nasa 70k plang and then 34k lng makukuha kpag iterminate q... 10yrs maturity po ituloy qp po b sya or cancel qn then invest nlng s mp2
Pwedi po bumili ng long term insurance sa pinas kahit nasa ibang bansa kayo, kasi habang nagkaka edad tayo ng mamahal mo ang babayaran ntin sa insurance..
take note: long term insurance , hindi short term insurance.
Will MP2 can covered my death, accidental death and disability?
pwede namang meron kang both VUL and MP2, mas okay yun, pero gaya nga Ng Sabi, buy term insurance if Meron Kang dependent, if bread winner ka para kapag may nangyari sayo may matatanggap any benefits mo, pwede din yung term insurance kapag may loan sa bangko. VUL Kasi mas mahal talaga pero may investment portion pero nakadepende sa market yung growth Ng Pera and at the same time may lifetime health insurance and critical care illness. Maganda din Ang VUL tapos may MP2 ka pa pak na pak
Same
Thank you
Welcome po. Subscribe po kayo sa channel ko at i-share ang mga videos para maraming matuto. TIA!
Saka na bumili ng health insurance kasi covered pa sa company? What if hindi na insurable by that time na magresign si ate? Delikadong payo po ito. Parang tama at masarap sa pakiramdam ang mga payo, all based on ideal situations. Pero sa totoong buhay, hindi laging ideal ang nangyayari.
Buti kun forever mag work dun at nagkataon Wala n work at Wala ng pambayad dapat mas maaga
May term.insurance naman.pwede un ang kunin if di na employed or if mapunta sa employer na di nagbbgay ng libreng insurance.pwede namang mag save or.mag invest habang libre pa ang insurance
@@nyrliegarcia369 whether health insurance or term insurance, kelangang insurable pa din by that time pag nagapply. good kung insurable pa. paano kung hindi na? not all situations are ideal. madami nang nagsisi sa pagdelay ng pagkuha ng insurance. getting insurance is about mitigating risks. ok ang magsave at maginvest early for future health expenses. but there are a lot of risks in doing this. we can always pass the risk to an insurance company for a minimal premium. whether the market is down or up, they are bound to pay the benefits.
Sir more power. Ask kulang anung maganda sakin pasok. Gusto ko ung term insurance plus critical illnes non smoker ako. Hope for ur immidiate response
vul so dapat pala ilagay sa bonds na funds perk maganda naman kaapg nagpositive ang stock market dun nmn kukuha ng pambayad sa increase ng value
Kahit po tingnan ang long term sa VUL, mas mababa pa din ang return ng fund value nito kumpara kapag BTID ang gagawin. Take the fact na frontloaded ang fees sa VUL kaya ambaba ng fund allocation sa beginning years. This is crucial kasi you miss out on the large base effect when it comes to compounding. I’ve been showing my numbers here comparing VUL and BTID. Yun kai dapat ang gawin because numbers don’t lie.
San po pwede bumili ng term insurance ? Sa insurance company rin po ba ?
Hi sir napanood ko sa fb about ogie diaz.
Tlgang nakakapanlumo kc 3 policy yung nakuha nmen.
Mag mp2 na lang kmi para sa second baby nmen.
Hi sir vince anu pa po term insurance na ma I recommend mo bukod sa CLIMB
Lhat po ng insurance company may term insurance.
MOST18 po ng Manila Bankers Life
Sept. 9, 2020
5 years ago, kumuha ako ng VUL. 150K ang nahulog ko. Natapos kong hulugan yung 5 years. Because of this pandemic, nag-full withdrawal na ko kase baka magkaproblema, kelangan ko ng cash. Nasa 100K lang yung nakuha ko kahapon lang. Never again VUL. Luge pa ako. Anyway, move on na lang and learn from experience. Pass muna ako sa insurance, tutal single naman ako at walang dependents. Di man ako insured sa ngayon, may cash reserve naman ako for now. Try ko na lang ang PAGIBIG MP2. Babawi ako sa dividends.
Thank you sa advise pano ung pagwitdraw ng ginawa nyo lalo na may pandemic ngayon? Thanks
@@michaelmonding5032 Pumunta ako sa office nila, kinausap ko yung agent, humingi ako ng withdrawal form tapos napasok na sa savings account ko in 7 banking days. Bagong agent yung nakausap ko personally, kasi yung talagang insurance agent ko, di na ma-contact kasi nakakakuha na sakin ng commission. Hehe
What I've learned po about VUL
Is maganda sya for long term goals.Hindi lng cguru iniXplain Ng maayus Ng FA mo Nung una.
Sayang nmn winithdraw mo dis pandemic ,mababa talaga kasi bad Yung market.
Kumuha ako ng PODEF..ewan ok kung VUL.yun nalilito ako ..wala akong balita kung ano na ngyari...110k yun nilagay ko s abank...nka 5years nko..hnd mn lng nag.uupadate yun agent..inauoadate lng ako kpg nagpalit sila ng agent😂😆
@@renerianavarro yeah tama ok ang vul kung may mga dependents ka talaga dapat kasi cguro maliban sa investment may emergency fund na tayo para hindi tayo mapilitang mag terminate ng insurance natin
napakahusay sir vince... ganyan din nasa isip ko eh kaya hindi pa ko nakiha
Tanong ko lng 3 months pa lng po ako bumili ng vul itutuloy ko po pa ba? Thanks
Ang advise ko, kunin mo na. Wag mo na isipin yung charges. Wag mo nang paabutin ng 5 years na paghuhulog tulad ko.
Wag na ituloy. 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/
Im sunflexilink holder po for 2 years na vul din. 3k lng naman quarterly binabayaran ko. Itutuloy ko na lang cguro. Mag e mp2 din ako😅
Good Day Sir! Requesting po na itackle niyo po yung Pros and Cons of VUL and Term. Such as yung VUL po ata ay hanggang 88 years old ka insured if I'm not mistaken po while Term is 65 lang mga ganon po. And may pagkakataon po ba hindi ka maqualified for term insurance or lumaki yung bayad kasi nagkasakit ka or what before mag renew ulit po ganon. Also yung liquidity ng fund din po for vul investment link (equity) vs MP2 or other investment vehicle, etc... Sorry po kung medyo demanding yung request. 😅 I'm 22 years old po and kakastart lang po mag work kasi and I wanna be strategic po financially 😅. Thank you po for this video for awareness na marketing strategy lang po talaga nung VUL yung pinagpopost nila na magiging fund value na mataas dahil nakabased sa 10% per annum hindi by historical rate 😅
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/
Hindi Naman totoo Ang 10% per annum. Mas totoo pa Ang Mp2 nasa 7-8% per annum
@@lora1253 projection lng po ang alm ko 10 percent mostly po 5 to 10 percent gnon per annum un ang alm ko a have also vul and mp2 mgnda kc sa vul hngng 100 years old cover k p rin ng health insurnce ska may choice ka nmn n kunin ang pera after maturity ksma ang tubo if atw mo ng ituloy.
Hi sir vince! Pls discuss in your content the Gold Jewelry as investments or savings. Maganda po ba talaga to? Pede ba itong maging investment ko for my child's education?
vincerapisura.com/magandang-investment-ba-ang-alahas/
Hi po meron po akong axa insurance 6 yrs kuna po tong binabayarsn pero 10 yrs to pay din siya ano po dapat kung gawin sir
Hello sir Vince, sana ma notice mo po ito. Maaari mo ba madiscuss or mareplyan nalang dito kung ang KAISER ng IMG (international marketing group) na 3in1 life insurance+Healthcare+Investment - - - - same lang din ba ito na parang VUL??? Kkuha dn sana kc ako sana nitong kaiser. Thanks po.
Basta insurancr may halong investment di ko bet. 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/
May tanong po ako. Health insurance din po sana gusto ko avail. Kaso lahat ng puntahan ko na mga insurance company, pinipilit talaga ibang product. Eh alam ko naman na habol lang nila is maka comission sila.
Di ba? Kakaloka sila.
Sad but true. Sometimes, someone not concerned about the client's welfare will one day give you a coffee invite, not knowing that the agenda of the meeting is not kumustahan but VUL selling. I guess, that is because of the pressure to hit their quota for bonus and incentives aside from commissions. Sad but that is injustice, to be enriched at the expense of another person not supposed to get a VUL product.
Sir Pano mag transfer Ng Vul to pag big MP2 ? Thanks
hello Sir Vince, can you give me some advice about IMG and Kaiser health insurance. good or bad? or anu ang stand mo po. thank you very informative.
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: th-cam.com/video/F4D2cv2Bv5A/w-d-xo.html 5. Sample BTID: th-cam.com/video/0jFnmIcu70c/w-d-xo.html
Okay ba si sir vince sa img partners like kaiser? And their version of btid which is manila banker's most18?
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/
Hi Sir,
PG member ka n ng Pag ibig MP2 , automatic b yan n ngkaroon ka n ng BTID or I need to enroll, but the only thing I can't sign in to my MP2 s pag ibig.
Hi sir vince saan po maganda bumili ng term insurance pls recommend a nice one, I'm watching from israel
Lahat ng insurance company, meron yan.
@@SirVinceRapisura thanks
add ko lang po sa sinabi ni sir vince na mas maganda na kumuha ng long -term healthcare plan po that will cover dreaded diseases.(pre-existing conditions)
at sa mga OFW mas maganda na kumuha nito habang may trabaho sa abroad at younger po tayo. kasi pag antayin po natin na tumanda at bumalik sa pilipinas saka palang tayo bibili ng plan.. sobrang mahal po ang premium. .
Sir vince what is the best product or company for health insurance?
Hi sir,ask ko lang kong pude pa makuha ang pag ibig ng namatay kong 1 1/2 yr .na sya na expired.
Puwede po, I think.
Hello sir, meron po ba kayo tips saan company pwede at maganda mag avail ng Term insurance. lagi kasi avoided n agent na ibenta ang term insurance. thanks sir.
Reneria Navarro hello. how much annually and anu coverage niya?
Hi sir, u can also consider MOST 18 BTID
Perciveranda Soriano what is that?
Term insurance po.
Pru Life 5 Year Term Insurance!
Sir,ask ko lang po kung pwd bang mag apply ng MP1 at the age of 45.thank you
hi sir gusto ko po sana mginquire about sa BTID
Sir vince about climbs insurance ofw po ako from Israel pwede po ba ako maka avail ng term life insurance
Hi ma’am, we have BTID for 18 years (MOST 18). Kindly message me in my fb account, thanks
Sir panu po pg tapos na ng mbayad ng VUL.? Pde po iwithdraw ung amount ng VUL pra i invest? Pa advice po
Sir Vince paano po yun nakapag bukas n po ako ng VUL sa BPI? Critical illness po ung insurance... investment and insurance daw po un...
If you’re looking for a long term investment (more than 10years), continue nu na lang po. Pero kun for short term lang po kau, meaning plano nung iwidhtraw after 5years, think twice po of ull continue...
Sir good evening, pwde pa ba ma terminate yung acct ko s VUL? At mababawi ba ung mga nahulog sa insurance company ?
Ano po ba mas better.. Please give me sum advice po
sir vince, paano po ung KAISER? Balak ko po sana kumuha po noon kc May MP2 na po ako
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/
Hi Ms Marilou, Kaiser is not VUL po. I can discuss it with you. :)
Balak ko p sana kmuha ng Kaiser dahil my Healthcare din sya na kailangan dn ntin soon pag tayo ay tumanda. Ano po masasabe nyo sir vince??? Marerecommend mo dn b ang Kaiser???
Hi sir, kumuha din po ako ng kaiser. You can contact me po for any questions po.
@@percyabang2305 ano po fb nyo mam pra ma message ko po kayo thank you :)
Same name po or try Percy Abang, thanks po
Hi Sir Vince, I appreciate your content. Can you please advise me where can I get a term insurance that is same to your illustration? Thanks in advance :)
Lahat ng insurance comapnies may term insurance.
Good evening po sir watching from Riyadh aply Po àko mp2
Sir Vince, mas maganda ba yearly ang BTID or meron din siya renewable every 5years?
Concern ko lang po, marami po gusto kumuha ng insurance for their health concern, pag wala na sila work, pero gusto nila kumuha while working at meron pa sila pang bayad... wala po ba insurance na me kasama or for health lang / hospitalization/check up
Ang down side lang ng Term insurance ay hangga't hindi ka nagkakasakit, wala kang macclaim sa insurance company mo. Like for example 25 ka pa lang kumuha ka na ng term insurance, then at the age of 55 wala ka pa din sakit, yung hinulog mo for 30 yrs bye bye na. Wala kang napala.
Sa age ko (25) nag paquote ako ng VUL=31k per annum with critical illness at iba pang riders then nagpaquote din ako ng term insurace 22k per annum. Yes mas mura sya kesa sa VUL pero hanggat di ako nagkakasakit wlaa sya pakinabang.
Unlike VUL, may investment side sya na pwede mong kunin once nagmature na ito at 5 years to pay lang.
Mam pag sumakay ka ng jeep mula point A to B at nakarating ka sa place na pinuntahan mo na maayos gusto mo pagbaba mo kunin mo pa rin.pamasahe mo ? Gusto mo libre lahat na may proteksyon ka?
Hello sir vince. Do you siggest na kmusta aq ng insurance? Single po ako 27 years old. And wala po akong plan mag asawa. Ok lang ba dependents q is ung parents ko 57 years old and ung single na sister ko 25 years old?
Dependent mo ba talaga sila?
OMG! nakakuha na ako ng VUL..sayang ngaun ko lng nakita tong video mo sir Vince..Thanks sa info.
Basta insurance with investment, hindi ko gusto 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/
I started paying january of 2018. what is the best thing to do? itigil na o continue na lang? two yrs na akong nakabayad
STOP NA HABANG MAAGA
Si sir Vince ang mentor ko, libre Pa. Haha