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I will be entering the Financial Advisor career and you were one of my inspirations sir Rex, to be able to educate families about finances and secure their family's future!
Sir thank you for all the learnings. Can you pls discuss about investments in gold and silver. Thank you. God bless. Keep blessing people with your investment expertise.
Hi Rusty! Thank you for your support, your comment means a lot to us! We hope to see you in our next content and please don't forget to like this video and subscribe to our channel! :)
been following this since Marvin G. announced it in his yt video. big help katulad kong millenial na gusto ma educate sa financial at future plan. pero saan ako pwede kumuha ng life ensurance? wala pa po ako masyado alam. salamat.
Depends on your purpose if you want to leave a legacy to your family and guaranteed go to life insurance but if you are looking only for yourself and non guaranteed investment play stock or mutual funds .
Thank you so much Sir Rex, gustong gusto ko po yung sinabi niyo na "Buy life insurance not for what it is, but for what it does." Kaya po ako kumuha tlga ng life insurance dahil gusto ko po pakita yung love and care ko sa family. I hope po sa mga susunod n videos kindly discuss po paano to build investment portfolio for different ages. God Bless po
I appreciate this video as it gives a very clear explanation of what life insurance is and how it can help to meet our financial goals for our families.
I bought life insurances because I understand life uncertainties. No one will help and protect my investments other than myself if life uncertainties start to strikes. I love my family, and I dont want to become burden to them when im on my lowest point.
Again no....wala paring kakupas kupas ang aking mentor pagdating sa financial literacy and investments. Keep doing the good that you do for so many people who need you help. All the best to all of you.
Ang linaw ng explanation. Ang sarap makinig. Very inspiring and motivating. I got my manulife a year ago. And now i am learning bitcoin... i also just started GCash invest because I watched it here ☺️
Thank you Sir Rex, pinaka relatable at malinaw na explanation ng value of having a life insurance. For future topic po, what should be the heirarchy of financial instruments that we accumulate?
Last year of june, nag avail po ako ng combination ng investment and life insurance. Ito ay bago pa pumutok ang 1st case ng covid. Ofw po ako, and im a frontliner, less worry kc pag tumanda ako or if ever matigok, im confident kc whatever happens to me hindi ako magiging pabigat sa mahal ko sa buhay. LOVE+INSURANCE=CONFIDENT
Napakasakit po talaga pag walang insurance. Grabe po pinagdaanan ko para makabangon ang pamilya ko bago ako nag asawa. Minana kolng naman ang almost 1m na utang ng father ko sa bangko. Un bahay namin na ginawang collateral muntik ng kunin ng bangko. Aside from that lubog pa sa utang, A mistake of my father is a lesson for me. I will never let it happen again esp to my children.
Yun nga lang sir sa claiming ka magkakaproblema. Hihintay ka ng 3 days to 1 week bago makuha yung cheke at maipagamot ka. May documentations pa na aasikasuhin. Doon nagiging scam ang insurance. Paano kung hindi umabot ang insurance para mabayaran agad ang operasyon? Yun ang hindi sinasabi ng mga nagbebenta ng insurance. Maigi pa ipunin mo na lang sa bangko ang pera mo. At least kung need mo na talaga ng pera for health emergency wiwithdrawhin mo na lang.
Kaya po dpat meron kayong emergency fund na masa bank bago kayo mag invest sa life insurance + health, VUL, stocks, index funds at iba pa para in case na kailangan mu ito ASAP may mahuhugot kang atleast pang downpayment then pag na release na ang health insurance mu pwde muna ult ma replenish yung nawala mung emergency fund, just my 2cent po. For me ang purpose tlga kung bkt tayo kumukuha ng insurance is not for ourselves but for our dependents in case tayo ay mawala na.
@@angeliebulaon1059 pwde po iyon basta nung nag sign ng comtract si policy owner/insured nasa Philippines sya. Ang hindi pwde yung nasa ibang bansa sya nag sign ng contract tapos nasa Pinas ang insurance company.
Hi Mark! Thank you for your support, your comment means a lot to us! We hope to see you in our next content and please don't forget to like this video and subscribe to our channel! :)
Kayo po pla ung idol ko sir rex Mendoza. Bakit ngaun ko lng kayo nakita sa yt. Super naopen mind ako today po. Slamat sa clear justification of insurance💜
Thank you sir Rex Mendoza for this enlightening video about life insurance investing. I felt reaffirmed about my investment decisions. Hopefully, you can cover topics related to owning or renting a house for newly-wed couples. Thank you sir.
Hi Regie! Thank you for your support, we will take note of your suggestion! Your comment means a lot to us! We hope to see you in our next content and please don't forget to like this video and subscribe to our channel! :)
I am at the point of my life where I want to secure the future of my kids. Your vid is very assuring Ang enlightening, Sir. Indeed, Life Insurance Investors are people who care and love their family so much that despite their absence they still want to make sure that their family especially their children are secured. Thank you so much for affirming my plans with this video 💖
Life insurance is not and inversamente who said it was supposed to be, it’s meant to protect you’re family and live them with something wen you die..... if you want and investment go to the stock market .....
Thank you so much, Sir Rex Mendoza. Based on my experiences, everything you said is true. I lost my dad when I was 16 and he has no Life Insurance vs. losing my husband with Life Insurance. Mas mahirap pong mag grieve pag walang naiwan, kasi added burden sa mga naiwan pag utang pa ang iniwan ng namatay. In my husband's case, everything was paid and we still have a little amount to start up with. That is why I have decided to be a Financial Advisor now. Your video has only confirmed that I am on the right track!
Very 2x powerful video sir Rex. More learnings to come and very proud to be our financial guru in IMG. The best. #RexFlix so with Sir Marvin Germo na always saying #RexFlix 😊😊😊
I am financial advisor. I deal with investments for retirement and life insurance. Every thing MR .Rex say is pretty much correct except for the investing in life insurance. NEVER BUY INSURANCE FOR AN INVESTMENT. NEVER. I can't stress this enough. Life insurance is to provide income protection to a family who has lost their main income provider. To pay for the funeral, pay off the debt, house, car and such. NEVER BUY WHOLE LIFE, VARIABLE, UNIVERSAL OR ANY OTHER NAME, PRODUCT ONLY PURE TERM LIFE. PERIOD.. Read the fine print for two things. ONE: if the payout is not in one lump sum, DO NOT BUY IT. TWO: if the insurance comes with an investment attach, DON'T BUY IT. Keep the investment and life insurance separate. You don't have an investment with your car or home insurance. Why have it with you life insurance? DON'T BUY IT, IT WILL SCREW YOU EVERY TIME ALL THE TIME. Investing is different for each person depending on what the goal is, time frame, and how much market volatility some one can handle. That is why you need a good financial advisor so help educate you on investments. I can't stress enough never get life insurance with any attachments or a investment. Semper Fi, always.
SO BLESSED PO S MGA VIDEO NYO, i am also Mendoza, pwede po kaung mg discuss s topic ng sunlife kc po ngbbayad ako ng 75000 annually for 10 yrs e 1.2 lng po coverage
So much learning from u sir Rex... Specially this hardens the importabce of us as couple availing policies for the protection of our son... Godbless u more.
This is my first time to watch your show and honestly I enjoyed it. Keep up the good work and l agree that investing in life insurance is a good investment because you care, love and priority. Start investing in life insurance as early as you can because as you grow older your insurability is getting less. Good channel and I will watch again and share this👍👍👍👍👍👏👏👏👏👏
Hi Fun! Thank you so much for your support, your comment means a lot to us! We hope to see you in our next content and please don't forget to like this video and subscribe to our channel! :)
Per Dave Ramsey, Life Insurance is the best way to tell your family 'I Love You'. It was never an investment, you should never expect you will earn from this, it's purpose is protection for your family.
sir rex, very informative discussion as always. PUEDE NEXT TIME, I DISCUSS MO NAMAN ANG DIFFERENT INVESTMENT VEHICLES AND THEIR RESPECTIVE FUNCTIONS IN RELATION TO OUR INVESTMENT GOALS. thank you in advance...
Hi Noel! Great suggestion, we will take note of this! Thank you for your support, your comment means a lot to us! We hope to see you in our next content and please don't forget to like this video and subscribe to our channel! :)
Hi Alely! Thank you for your support, your comment means a lot to us! We hope to see you in our next content and please don't forget to like this video and subscribe to our channel! :)
Hi Rodolfo! Thank you for your support, your comment means a lot to us! Yes! IMG is one of our partners, to know more about IMG you may email us through imginquiries@rampver.com our team will be there to assist you with your queries! Hope this helps! :) We hope to see you in our next content and please don't forget to like this video and subscribe to our channel! :)
Nice and simple explanation!!! I'm considering to get an insurance right now. What do you think is the best insurance I can get as of now? I'm approaching mid-20s
Hi John that is a good decision to make🙂 you need to protect yourself esp your health in this time of pandemic. When you start young the premium amount is still low because in life insurance the younger you are the cheaper the premium amount. Suggest that you get FWD Set for Health - Traditional, Guaranteed Comprehensive Health Protection. Major Critical Illness, Minor Critical Illness, Waiver of Premium, Death Benefit and Stay Healthy Living Benefit. Nothing wasted! When you stay healthy up to age 75 all your premiums paid will be returned to you if no Major Critical Illness diagnosed. For more details pls send me a DM my FB name Minnie P. Ortiz Luis. Thank you and stay safe !
Hi Red! Thank you for your support, your comment means a lot to us! We hope to see you in our next content and please don't forget to like this video and subscribe to our channel! :)
VUL was a bad investment for me. After 11 years the value of my insurance dropped to only 20% of the total premiums I paid. The administration charges per month were just too much and the fund managers of this insurance company were not good. Their mutual fund also performed poorly. So dont believe the hype about VUL. Go for classical insurance instead.
Sir. If youvresearch po. No insurance company is closed. Insurance companies are insured. They have risk based capital. Or they get absorbed by a bigger insurance companues, just to be sure na mabibigay ang claims. Ung mga nagsara po non, those are not actual life insurance companies.
Hi Ruby! Maraming salamat sa iyong suporta! Mahalaga sa amin ang iyong komento para mapabuti ang aming channel! Kung nagustuhan mo ang video na ito maari lamang ilike ang video at magsubscribe sa aming TH-cam channel, huwag kalimutang i-tap ang bell icon sa gilid para updated ka sa mga susunod pang video contents! :)
What if the insurance company declares bankruptcy ? What will happen to those security promises that you had stated in this video? Hoping for a positive response. Thank you.
That's why you need to choose a reputable insurance company. Dun ka sa mga big insurance companies since they've been doing the business for more than 100 years
That's why may Insurance Commission, regulating body ng insurers or insurance companies. Pansin nyo po ba ang merging ng insurance company with a bank? Ganun po ang nagyayari pinapag merge para patuloy ang service and commitment ni Insurer.
There's suppose to be an insurance company that protects other insurance companies in case it goes bankrupt. Canada for example has 'Assuris' that gives a guarantees up to $200,000 death benefit or 85% of the original db when the company is bankrupt
Yes, sir..dinanas po namin yan ng pinatay yung Tatay (OFW) namin..naubos lahat!! That is why I am now a Financial Advisor, to help others for them not to experience that.
Pure Life insurance is for protection and it is guaranteed. Investment is building money and it has risk. So the lesson is never infuse Life Insurance with investment because they are totally different. They have different purpose.
Have no family, rent a place and refuse to pay for being dead. I mean common what are they going to do, bring you back to life so you can pay the bills?
Sir Rex, I believe ang problem is ung mga agents binebenta ung insurance as more of investment para sa stock market (VUL).. ang daming posts sa social media na yan ung pinupush nila kaya mali ung nagiging idea ng mga tao about life insurance.. and even kpag nag inquire ka na sa kanila ipupush pa din nila ung VUL kahit ndi naman bagay sa needs ng tao, kaya nagiging masama ung tingin ng mga tao pag nalaman nila what is it about.. like after 2 years of paying malalaman nila na wala pang value ung investment nila.. For me personally, I suggest buying term insurance, and investing the difference, kesa sa VUL.. as long as you have the discipline to follow that strategy, the yield will be significantly higher compared sa VUL.. Thank you Sir Rex sa insights, God bless po
Wrong move yang Term Insurance at nagiging spend the difference never naging investing yan. Patunay nito yung na-experience namin sa pagkuha ng Term Insurance with Loyola at StPeter may mga hidden fees pa sobrang laki siningil kami sa increase of price ng coffin, post-mortem etc. At saka yung benefits na return of premium hindi makukuha at nasa korte pa.
@@bimboyaquino7091 Hindi ko sure kung term insurance yang sinasabi mo with St. Peter and Loyola.. But if you will get insurance, do your research kung ano ung mga reliable insurance companies.. may term insurance din lahat ng nag ooffer ng VUL.. like Sun Life, Pru Life, ManuLife.. ang problema is ang pinupush ng agents is ung VUL kc malaki ang commissions.. and like ng sbe ko sa previous comment ko, given dapat na meron kang discipline to invest the difference.. Maybe it didn't work out for you, but it's working out for me.. doing term insurance and investing sa PAGIBIG MP2 ung difference.. If wala kang tiwala sa discipline mo and tingin mo magagastos mo ung difference, then by all means go for VUL.. Ako kc I want to maximize my yield.. Sayang ung 2 years na ndi nagcocompound ung capital and interest mo kay VUL
@@bimboyaquino7091 and ang maganda pa kpag Buy term and invest the difference is kpag nagkaron ng big emergency and ndi kinaya ng emergency fund mo, like sa nangyayare sa iba ngaung pandemic.. You have the flexibility sa investment side.. unlike sa VUL na malaki ung premium mo, eh papano na dba.. kung hindi ka pa naka 2 years wala ka pa makukuha dun sa ininvest mo, and even after 2 years sobrang liit ng makukuha mo kpag napilitan ka iterminate ung policy mo dahil sa sobrang taas
Hi! Term Insurance, is a plan that increases premium every 5yrs (nagmamahal po siya) and the insurability of a person also renews every 5yrs (pag sumakto po na nadiagnose kayo ng sakit during the renewal ng “Term Insurance” niyo, di na po kayo maccover. hence the “TERM” word kasi limited period ka lang covered. Coverage usually only last until 70yrs old. It may look cheaper now but in long term you are actually paying more and you’re throwing out money cause walang balik. When you do BTID, and set a budget of P50k for the cost of insurance and investment; kung isusulat niyo po siya and makikita niyo visually, dadating yung time na mas malaki na yung Napupunta sa insurance VS sa investment budget niyo. For VUL; the younger you are the cheaper the rate and forever mo na yun rate. kung titignan niyo pano yung way nila mag charge; there are companies na on the 1st yr-5th yr inii-staggered nila yung charges to give way for your money to grow and kung aalamin natin, there are companies na 85% lang yung total premium charges na babayaran mo na kinalat nila sa 5yrs. So dadating yung time na after a certain period of time, parang bumalik na din yung hinulog mo because of it’s fund value and the rest are invested na. I believe some advisors should be more competent in explaining this sa clients. A simple explanation how the charges and investment part of the VUL works would make the client more appreciate VUL. Im an advisor myself but i wont mention which company im part of to avoid the interpretation na nagbebenta ako. We offer term kapag ang client is gusto magpainsure pero hindi talaga muna kaya ang pera. Pero if we know the client is able naman, we focus on the VALUE of money they would get, if you will fully understand the VUL; parang paonti onti binabalik lang yung premiums na binayaran mo for your insurance plus may bonus pang savings :) hence, walang tapon sa pera :)
Ask ko lang po kasi sabi mo sa Bonds mabagal. Kasi sa Mutual funds meron 2 pagpilian .1. Strategic growth 2. Bond Fund at doon ako naglalagay sa Bond fund okay lang po ba doon? or next next na magdagdag ako eh sa Strategic growth fund naman? Meron din po ako Life Insurance . THANK YOU SIR REX GOD BLESS
Hi Mark! Thank you for your support, your comment means a lot to us! We hope to see you in our next content and please don't forget to like this video and subscribe to our channel! :)
gs2 ko sana magopen ng investment sa bpi uitf kaso ang daming options kaya ang hirap pumili. for long term po ung gs2 ko. can you make a video about it?
Hi gudboyngdisyerto! Thank you for your interest in investing. Kindly send us an email through info@rampver.com or send us a message through our facebook page Rampver Financials, our team will be there to assist you with your concern. You may also visit our website invest.rampver.com to know more about our mutual fund accounts. Hope this helps! Thank you! :)
Hi Mctanash! Yes! we are already working on it, Thank you for your support, your comment means a lot to us! We hope to see you in our next content and please don't forget to like this video and subscribe to our channel! :)
Very well said thank you PERO ask ko lang po ex.pano kaya pag unexpected mas naging problema ang health then yung pambayad mo sana sa Life insurance hindi muna kaya na dahil sa gastusin sa health finances.At no choice na di na maituloy .ano po kya magandang advice para dto thank you
ang maganda sa life insurance my surrender value sya.example 10yrs or 20 yrs muna sya binabayadan tapos unfortunately di muna kya ituloy bayadan pwede mo surrender meron ka makukuha na pera pag cancel muna sya.
Hi Ms. Gina Andrade, you’ll know it’s the best if it covers disability, accident, critical illness & hospitalization. I’m a Financial Advisor who’s advocacy is to share value of having life insurance 😊
Having a life insurance po talaga ay showing your care and love sa family mo. Hindi ito expense o gastos lang. I have life insurance and I feel like I am a walking 5 million kasi I know if worst thing will happen to me hindi ako mag cause ng burdens. My family will love me even more. It's not a waste rather an expression of love.... Thanks sir
Hi Simon Montemayor. I am an agent of Philam and creating a website for my services. Would it be alright if I can feature your comment as one of the testimonies of people who have had good experiences with insurance? It may help bring the good that insurance can do to more pinoys who need it.
I already have BPI-PHILAM Critical illness payable in 10 years. Iba pa po ba ito sa Life insurance? Kase sabi nung BSE na nakausap ko Meron na syang Investment, Life Insurance at Savings. Or need ko pa po ng Life Insurance talaga? By the way in Sept 2020 1 year na din po ako sa BPI-PHILAM 🙂 Im 27 y/o and ngayon po ako nagla interest at inaaral how to invest. I also have 1 UITF's and 1 Mutual Fund. And Im planning bumili ng shares sa stockmarket. I hope ma guide nyo po ako sir. Thank you so much! P.S Thanks to sir Marvin Germo he promote your channel that's why i found you sir Rex 🙂 More vlogs pa po 😍
Hello po, na mention niyo po na BPI-Philam Critical Illness ang meron po kayo. Pwede pa po kayo actually kumuha ng additional coverage from other companies Po on top of your policy para sigurado po talaga na protected po kayo
Tol. Check mo mabuti plan. From what i understood. If you live long, or die young, ang makukuha mo lang jan ay which ever is higher. Halimbawa ang term mo 1m, pero ang investment mo na nsa 500k. 1m lang makukuha mo.. Sa VUL kase from life insurance companies like, PRULiFE, Sunlife, Cocolife, Manulife,etc. Bibigay nila sayo lahat, sa sample ko 1.5m ang makukuha mo or ng family mo
Hi, Critical Illness coverage is a term insurance. If you stop paying it the coverage will be gone also. You might want to check and go back to your financial advisor :)
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sana po invest kau sa microphone hehe
Dapat yung life insurance eh may included ang trauma claim like stroke, heart attack and kidney failure. Am I right?
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I will be entering the Financial Advisor career and you were one of my inspirations sir Rex, to be able to educate families about finances and secure their family's future!
Sir thank you for all the learnings. Can you pls discuss about investments in gold and silver. Thank you. God bless. Keep blessing people with your investment expertise.
Very enterested.no skip adds.
This is PERFECT! Every insurance agent/financial planner/estate lawyer should watch this! Don't just sell, educate!
Hi Rusty! Thank you for your support, your comment means a lot to us! We hope to see you in our next content and please don't forget to like this video and subscribe to our channel! :)
been following this since Marvin G. announced it in his yt video. big help katulad kong millenial na gusto ma educate sa financial at future plan. pero saan ako pwede kumuha ng life ensurance? wala pa po ako masyado alam. salamat.
Dami kong napulot na aral dito Sir Rex salamat po more power po and thank you rampver
Depends on your purpose if you want to leave a legacy to your family and guaranteed go to life insurance but if you are looking only for yourself and non guaranteed investment play stock or mutual funds .
Sir Rex Good Morning Thanks
Thank you very much Sir Rex Mendoza🙏
Thank you so much Sir Rex, gustong gusto ko po yung sinabi niyo na "Buy life insurance not for what it is, but for what it does." Kaya po ako kumuha tlga ng life insurance dahil gusto ko po pakita yung love and care ko sa family. I hope po sa mga susunod n videos kindly discuss po paano to build investment portfolio for different ages. God Bless po
Thanks, Armina! Your kind and generous words make my day! Take care and stay safe!
Thank you sir Rex.
You are my Inspiration in Investing.
I appreciate this video as it gives a very clear explanation of what life insurance is and how it can help to meet our financial goals for our families.
Thank you again Sir Rex Mendoza.
I bought life insurances because I understand life uncertainties. No one will help and protect my investments other than myself if life uncertainties start to strikes. I love my family, and I dont want to become burden to them when im on my lowest point.
Again no....wala paring kakupas kupas ang aking mentor pagdating sa financial literacy and investments. Keep doing the good that you do for so many people who need you help.
All the best to all of you.
Thanks, Madz. Really appreciate your support and generous words. Blessings always!
mag podcast na kayo Boss Rex 😇🤗
I really loved your message.... totoo po yan yung investment natin will benefit of our love one.. life insurance will lead us to a good benefit
Very well said Mr. Rex Mendoza sana all Filipinos ay ma realize the true value of life insurance sana lahat open minded 👍👍👍
Ang linaw ng explanation. Ang sarap makinig. Very inspiring and motivating. I got my manulife a year ago. And now i am learning bitcoin... i also just started GCash invest because I watched it here ☺️
Thank you Sir Rex, pinaka relatable at malinaw na explanation ng value of having a life insurance.
For future topic po, what should be the heirarchy of financial instruments that we accumulate?
Hope you can tackle BTID vs VUL. Thank you.
sana mapaganda ang audio para mas clear ang pakinig
Hi, Sir Rex. I hope that you can come up too with your own insight about HMO or health insurance at this time. Thank you.
Enlighten the real importance of insurance...thank you..
So full of wisdom. Thank you sir Rex. Please discuss about VUL insurance/investment in future videos. Thank you.
Thank you Mr Rex. Very informative
Last year of june, nag avail po ako ng combination ng investment and life insurance. Ito ay bago pa pumutok ang 1st case ng covid. Ofw po ako, and im a frontliner, less worry kc pag tumanda ako or if ever matigok, im confident kc whatever happens to me hindi ako magiging pabigat sa mahal ko sa buhay. LOVE+INSURANCE=CONFIDENT
Napakasakit po talaga pag walang insurance. Grabe po pinagdaanan ko para makabangon ang pamilya ko bago ako nag asawa. Minana kolng naman ang almost 1m na utang ng father ko sa bangko. Un bahay namin na ginawang collateral muntik ng kunin ng bangko. Aside from that lubog pa sa utang, A mistake of my father is a lesson for me. I will never let it happen again esp to my children.
Yun nga lang sir sa claiming ka magkakaproblema. Hihintay ka ng 3 days to 1 week bago makuha yung cheke at maipagamot ka. May documentations pa na aasikasuhin.
Doon nagiging scam ang insurance. Paano kung hindi umabot ang insurance para mabayaran agad ang operasyon? Yun ang hindi sinasabi ng mga nagbebenta ng insurance. Maigi pa ipunin mo na lang sa bangko ang pera mo. At least kung need mo na talaga ng pera for health emergency wiwithdrawhin mo na lang.
Kaya po dpat meron kayong emergency fund na masa bank bago kayo mag invest sa life insurance + health, VUL, stocks, index funds at iba pa para in case na kailangan mu ito ASAP may mahuhugot kang atleast pang downpayment then pag na release na ang health insurance mu pwde muna ult ma replenish yung nawala mung emergency fund, just my 2cent po. For me ang purpose tlga kung bkt tayo kumukuha ng insurance is not for ourselves but for our dependents in case tayo ay mawala na.
While abroad po? Alam ko its not allowed to get if nasa ibang bansa ka, baka magkaissue po sa claiming 😊
@@angeliebulaon1059 pwde po iyon basta nung nag sign ng comtract si policy owner/insured nasa Philippines sya. Ang hindi pwde yung nasa ibang bansa sya nag sign ng contract tapos nasa Pinas ang insurance company.
Thank You Sir For Sharing Your ideas about Insurance. This will be a big help to understand more of the use of Insurance in our life.
Hi Mark! Thank you for your support, your comment means a lot to us! We hope to see you in our next content and please don't forget to like this video and subscribe to our channel! :)
Thank you Sir Rex for the wisdom.
Kayo po pla ung idol ko sir rex Mendoza. Bakit ngaun ko lng kayo nakita sa yt. Super naopen mind ako today po. Slamat sa clear justification of insurance💜
Thank you sir Rex Mendoza for this enlightening video about life insurance investing. I felt reaffirmed about my investment decisions. Hopefully, you can cover topics related to owning or renting a house for newly-wed couples. Thank you sir.
Hi Regie! Thank you for your support, we will take note of your suggestion! Your comment means a lot to us! We hope to see you in our next content and please don't forget to like this video and subscribe to our channel! :)
Thanks Sir Rex for educating us re life insurance! You are such a good teacher and motivator!
Thanks, Wilma! I hope all’s well with you and your family! Your kind and generous words motivate me too! Take care and stay safe!
Yes, he is a good motivator who is keeping us from knowing the other side.
Happy viewing
Very much appreciate
I am at the point of my life where I want to secure the future of my kids. Your vid is very assuring Ang enlightening, Sir. Indeed, Life Insurance Investors are people who care and love their family so much that despite their absence they still want to make sure that their family especially their children are secured. Thank you so much for affirming my plans with this video 💖
@@venusespina4103 Permission granted 🙂
I'd like to learn, and know what's true about the FAD about "BTID being better over VUL" and VUL is expensive.
Sir npkaganda ng paliwanag nyo,sn kun kyo naging financial advisor ko ms lalo ko maiintindihan yun mga insurNce na pinagkkukuha ko..
Life insurance is not and inversamente who said it was supposed to be, it’s meant to protect you’re family and live them with something wen you die..... if you want and investment go to the stock market .....
How about for single with no family but wanted to be insured in times of sickness?
get a life insurance with critical illness and hospital income benefits
Thank you for guiding sir Rex 😊😊😊
I Love it the topic..Thank you very mich Sir Rex Mendoza..
Thank you so much, Sir Rex Mendoza. Based on my experiences, everything you said is true. I lost my dad when I was 16 and he has no Life Insurance vs. losing my husband with Life Insurance. Mas mahirap pong mag grieve pag walang naiwan, kasi added burden sa mga naiwan pag utang pa ang iniwan ng namatay. In my husband's case, everything was paid and we still have a little amount to start up with. That is why I have decided to be a Financial Advisor now. Your video has only confirmed that I am on the right track!
Very 2x powerful video sir Rex. More learnings to come and very proud to be our financial guru in IMG. The best. #RexFlix so with Sir Marvin Germo na always saying #RexFlix 😊😊😊
Very informative, thanks sir Rex Mendoza. 👍🙂
Appreciate much Mr Rex Mendoza 🙂🙏
How to invest in stock exchange po ..
Keep safe and God bless you always en your family too 👪🙏
I am financial advisor. I deal with investments for retirement and life insurance. Every thing MR .Rex say is pretty much correct except for the investing in life insurance. NEVER BUY INSURANCE FOR AN INVESTMENT. NEVER. I can't stress this enough. Life insurance is to provide income protection to a family who has lost their main income provider. To pay for the funeral, pay off the debt, house, car and such. NEVER BUY WHOLE LIFE, VARIABLE, UNIVERSAL OR ANY OTHER NAME, PRODUCT ONLY PURE TERM LIFE. PERIOD.. Read the fine print for two things. ONE: if the payout is not in one lump sum, DO NOT BUY IT. TWO: if the insurance comes with an investment attach, DON'T BUY IT. Keep the investment and life insurance separate. You don't have an investment with your car or home insurance. Why have it with you life insurance? DON'T BUY IT, IT WILL SCREW YOU EVERY TIME ALL THE TIME. Investing is different for each person depending on what the goal is, time frame, and how much market volatility some one can handle. That is why you need a good financial advisor so help educate you on investments. I can't stress enough never get life insurance with any attachments or a investment. Semper Fi, always.
Hahaha why some are emphasizing separate …. Hayzzzz
Thank you sir Rex! It helps me a lot as a beginner in stock market investing and as an aspiring financial advisor.
Sir thank you for this concise explanation on life insurance on what it does , This is a very Remarkable content !
Thank you sir Rex and Rampver financials. So many valuable insights and yes it is the mindset and ultimate goal behind the money.
SO BLESSED PO S MGA VIDEO NYO, i am also Mendoza, pwede po kaung mg discuss s topic ng sunlife kc po ngbbayad ako ng 75000 annually for 10 yrs e 1.2 lng po coverage
A very inspiring teacher. I took all his subjects at dlsu mba
Sir what if the beneficiary died first? What will happen to the insurance?
So much learning from u sir Rex...
Specially this hardens the importabce of us as couple availing policies for the protection of our son...
Godbless u more.
This is my first time to watch your show and honestly I enjoyed it. Keep up the good work and l agree that investing in life insurance is a good investment because you care, love and priority. Start investing in life insurance as early as you can because as you grow older your insurability is getting less. Good channel and I will watch again and share this👍👍👍👍👍👏👏👏👏👏
Hi Fun! Thank you so much for your support, your comment means a lot to us! We hope to see you in our next content and please don't forget to like this video and subscribe to our channel! :)
Per Dave Ramsey, Life Insurance is the best way to tell your family 'I Love You'. It was never an investment, you should never expect you will earn from this, it's purpose is protection for your family.
sir rex, very informative discussion as always. PUEDE NEXT TIME, I DISCUSS MO NAMAN ANG DIFFERENT INVESTMENT VEHICLES AND THEIR RESPECTIVE FUNCTIONS IN RELATION TO OUR INVESTMENT GOALS. thank you in advance...
Hi Noel! Great suggestion, we will take note of this! Thank you for your support, your comment means a lot to us! We hope to see you in our next content and please don't forget to like this video and subscribe to our channel! :)
rabid fan mo ako sir. ng subscribe na ako...
Thanks sir rex... It lightened up my mindset between ( uitf vs VUL)
It really open my mind to add some more coverage for my kids. Tnk u again ❤️
Hi Alely! Thank you for your support, your comment means a lot to us! We hope to see you in our next content and please don't forget to like this video and subscribe to our channel! :)
Thank you sir rex marami po akong natutunan.
Sir rex ito po bang IMG maganda ba itong insurance plus investment?
Thanks.
Hi Rodolfo! Thank you for your support, your comment means a lot to us! Yes! IMG is one of our partners, to know more about IMG you may email us through imginquiries@rampver.com our team will be there to assist you with your queries! Hope this helps! :) We hope to see you in our next content and please don't forget to like this video and subscribe to our channel! :)
Thank you sir..great content💚💚💚💚
Thank You sooooo much Sir Rex 🙏🏻
Nice and simple explanation!!! I'm considering to get an insurance right now. What do you think is the best insurance I can get as of now? I'm approaching mid-20s
Hi John that is a good decision to make🙂 you need to protect yourself esp your health in this time of pandemic. When you start young the premium amount is still low because in life insurance the younger you are the cheaper the premium amount.
Suggest that you get FWD Set for Health - Traditional, Guaranteed Comprehensive Health Protection. Major Critical Illness, Minor Critical Illness, Waiver of Premium, Death Benefit and Stay Healthy Living Benefit. Nothing wasted! When you stay healthy up to age 75 all your premiums paid will be returned to you if no Major Critical Illness diagnosed. For more details pls send me a DM my FB name Minnie P. Ortiz Luis. Thank you and stay safe !
Tama desisyon naming mag asawa na kumuha ng life at vul insurance sa philam life. Thank you sir for doing this very informative content. Keep it up.
Hi Red! Thank you for your support, your comment means a lot to us! We hope to see you in our next content and please don't forget to like this video and subscribe to our channel! :)
thank you po sir for this video na educate and enlighten po ako... more power ofw po ako watching from saudi arabia.
Hi Sir Rex😊 I'm playing this video for the nth time😊 very informative talaga...I am a Philamlifer❤️
proud. ako at may peace of mind. insured ako mga anak at apo. ang bilis ng panahin yung sa anak ko invest ins. at matatapis kona bayaran.
VUL was a bad investment for me. After 11 years the value of my insurance dropped to only 20% of the total premiums I paid. The administration charges per month were just too much and the fund managers of this insurance company were not good. Their mutual fund also performed poorly. So dont believe the hype about VUL. Go for classical insurance instead.
Thank you Boss Rex! Very informative po worth na i share to inform others how good life insurance is😍😍😍
Well explained po by the right person. Thanks po
Request video if insurance company made close
Sir. If youvresearch po. No insurance company is closed. Insurance companies are insured. They have risk based capital. Or they get absorbed by a bigger insurance companues, just to be sure na mabibigay ang claims.
Ung mga nagsara po non, those are not actual life insurance companies.
Hi!po thank you so much at napanood ko ang iyong video,at marami akong tips na nalaman
"God Bless You"
Hi Ruby! Maraming salamat sa iyong suporta! Mahalaga sa amin ang iyong komento para mapabuti ang aming channel! Kung nagustuhan mo ang video na ito maari lamang ilike ang video at magsubscribe sa aming TH-cam channel, huwag kalimutang i-tap ang bell icon sa gilid para updated ka sa mga susunod pang video contents! :)
Thank you for the sharing :D
I want to learn more how to build a Solid Team :)
Thank you, Mr. Rex Mendoza for your heart-felt presentation! ❤️
Very enlightening and encouraging..
Kudos po! 👌🏽❤️👍🏽
What if the insurance company declares bankruptcy ? What will happen to those security promises that you had stated in this video? Hoping for a positive response. Thank you.
That's why you need to choose a reputable insurance company. Dun ka sa mga big insurance companies since they've been doing the business for more than 100 years
That's why may Insurance Commission, regulating body ng insurers or insurance companies. Pansin nyo po ba ang merging ng insurance company with a bank? Ganun po ang nagyayari pinapag merge para patuloy ang service and commitment ni Insurer.
There's suppose to be an insurance company that protects other insurance companies in case it goes bankrupt. Canada for example has 'Assuris' that gives a guarantees up to $200,000 death benefit or 85% of the original db when the company is bankrupt
Yes, sir..dinanas po namin yan ng pinatay yung Tatay (OFW) namin..naubos lahat!! That is why I am now a Financial Advisor, to help others for them not to experience that.
Pure Life insurance is for protection and it is guaranteed.
Investment is building money and it has risk.
So the lesson is never infuse Life Insurance with investment because they are totally different.
They have different purpose.
Hi im ofw i would like to know investment in short term, can you help me?
Very well said, sir.
Have no family, rent a place and refuse to pay for being dead. I mean common what are they going to do, bring you back to life so you can pay the bills?
Gusto kung mag apply
Papa no kung walaka family ano ang mang yayari kung mawala ka sa munda
Sir Rex, I believe ang problem is ung mga agents binebenta ung insurance as more of investment para sa stock market (VUL).. ang daming posts sa social media na yan ung pinupush nila kaya mali ung nagiging idea ng mga tao about life insurance.. and even kpag nag inquire ka na sa kanila ipupush pa din nila ung VUL kahit ndi naman bagay sa needs ng tao, kaya nagiging masama ung tingin ng mga tao pag nalaman nila what is it about.. like after 2 years of paying malalaman nila na wala pang value ung investment nila..
For me personally, I suggest buying term insurance, and investing the difference, kesa sa VUL..
as long as you have the discipline to follow that strategy, the yield will be significantly higher compared sa VUL..
Thank you Sir Rex sa insights, God bless po
Wrong move yang Term Insurance at nagiging spend the difference never naging investing yan. Patunay nito yung na-experience namin sa pagkuha ng Term Insurance with Loyola at StPeter may mga hidden fees pa sobrang laki siningil kami sa increase of price ng coffin, post-mortem etc. At saka yung benefits na return of premium hindi makukuha at nasa korte pa.
@@bimboyaquino7091 Hindi ko sure kung term insurance yang sinasabi mo with St. Peter and Loyola.. But if you will get insurance, do your research kung ano ung mga reliable insurance companies.. may term insurance din lahat ng nag ooffer ng VUL.. like Sun Life, Pru Life, ManuLife.. ang problema is ang pinupush ng agents is ung VUL kc malaki ang commissions.. and like ng sbe ko sa previous comment ko, given dapat na meron kang discipline to invest the difference..
Maybe it didn't work out for you, but it's working out for me.. doing term insurance and investing sa PAGIBIG MP2 ung difference..
If wala kang tiwala sa discipline mo and tingin mo magagastos mo ung difference, then by all means go for VUL..
Ako kc I want to maximize my yield..
Sayang ung 2 years na ndi nagcocompound ung capital and interest mo kay VUL
@@bimboyaquino7091 and ang maganda pa kpag Buy term and invest the difference is kpag nagkaron ng big emergency and ndi kinaya ng emergency fund mo, like sa nangyayare sa iba ngaung pandemic.. You have the flexibility sa investment side.. unlike sa VUL na malaki ung premium mo, eh papano na dba.. kung hindi ka pa naka 2 years wala ka pa makukuha dun sa ininvest mo, and even after 2 years sobrang liit ng makukuha mo kpag napilitan ka iterminate ung policy mo dahil sa sobrang taas
Hi! Term Insurance, is a plan that increases premium every 5yrs (nagmamahal po siya) and the insurability of a person also renews every 5yrs (pag sumakto po na nadiagnose kayo ng sakit during the renewal ng “Term Insurance” niyo, di na po kayo maccover. hence the “TERM” word kasi limited period ka lang covered. Coverage usually only last until 70yrs old. It may look cheaper now but in long term you are actually paying more and you’re throwing out money cause walang balik. When you do BTID, and set a budget of P50k for the cost of insurance and investment; kung isusulat niyo po siya and makikita niyo visually, dadating yung time na mas malaki na yung Napupunta sa insurance VS sa investment budget niyo. For VUL; the younger you are the cheaper the rate and forever mo na yun rate. kung titignan niyo pano yung way nila mag charge; there are companies na on the 1st yr-5th yr inii-staggered nila yung charges to give way for your money to grow and kung aalamin natin, there are companies na 85% lang yung total premium charges na babayaran mo na kinalat nila sa 5yrs. So dadating yung time na after a certain period of time, parang bumalik na din yung hinulog mo because of it’s fund value and the rest are invested na.
I believe some advisors should be more competent in explaining this sa clients. A simple explanation how the charges and investment part of the VUL works would make the client more appreciate VUL. Im an advisor myself but i wont mention which company im part of to avoid the interpretation na nagbebenta ako. We offer term kapag ang client is gusto magpainsure pero hindi talaga muna kaya ang pera. Pero if we know the client is able naman, we focus on the VALUE of money they would get, if you will fully understand the VUL; parang paonti onti binabalik lang yung premiums na binayaran mo for your insurance plus may bonus pang savings :) hence, walang tapon sa pera :)
@@bimboyaquino7091 pre-need ata yun hindi life insurance.
Ask ko lang po kasi sabi mo sa Bonds mabagal. Kasi sa Mutual funds meron 2 pagpilian .1. Strategic growth 2. Bond Fund at doon ako naglalagay sa Bond fund okay lang po ba doon? or next next na magdagdag ako eh sa Strategic growth fund naman?
Meron din po ako Life Insurance . THANK YOU SIR REX GOD BLESS
More power po ❤️
Hi Mark! Thank you for your support, your comment means a lot to us! We hope to see you in our next content and please don't forget to like this video and subscribe to our channel! :)
gs2 ko sana magopen ng investment sa bpi uitf kaso ang daming options kaya ang hirap pumili. for long term po ung gs2 ko. can you make a video about it?
Hi gudboyngdisyerto! Thank you for your interest in investing. Kindly send us an email through info@rampver.com or send us a message through our facebook page Rampver Financials, our team will be there to assist you with your concern. You may also visit our website invest.rampver.com to know more about our mutual fund accounts. Hope this helps! Thank you! :)
I love your channel sir Rex. Sana po ma improve pa yung mic. Medyo mahina po kase. Salamat!
Hi Mctanash! Yes! we are already working on it, Thank you for your support, your comment means a lot to us! We hope to see you in our next content and please don't forget to like this video and subscribe to our channel! :)
Tnx for the more learning po
Very well said thank you PERO ask ko lang po ex.pano kaya pag unexpected mas naging problema ang health then yung pambayad mo sana sa Life insurance hindi muna kaya na dahil sa gastusin sa health finances.At no choice na di na maituloy .ano po kya magandang advice para dto thank you
ang maganda sa life insurance my surrender value sya.example 10yrs or 20 yrs muna sya binabayadan tapos unfortunately di muna kya ituloy bayadan pwede mo surrender meron ka makukuha na pera pag cancel muna sya.
Kamusta kaya VUL ngayong covid?
What do you mean.po? Try nio din mo mag ask sa mga family ng naka receive ng claims after a loved one was hut by covid.
What is the best life insurance...
Hi Ms. Gina Andrade, you’ll know it’s the best if it covers disability, accident, critical illness & hospitalization. I’m a Financial Advisor who’s advocacy is to share value of having life insurance 😊
Matanda po ba kumuhang life insurance kahit walang emergency fund po?
Hi Rex! I'm a new subscriber. Please help to discuss MP2. Thank you.
Very entertaining however mag invest po kayo ng magandang mic.. stay safe
12k a month lang ako
Sir ang galing nyo thank you po
Having a life insurance po talaga ay showing your care and love sa family mo. Hindi ito expense o gastos lang. I have life insurance and I feel like I am a walking 5 million kasi I know if worst thing will happen to me hindi ako mag cause ng burdens. My family will love me even more. It's not a waste rather an expression of love....
Thanks sir
Simon Montemayor #sanaall Filipinos gaya sayo sir Simon mag isip 😍😍
permission to screen shot your message Sir? Thank you 😊😊
agree👍❤
Hi Simon Montemayor. I am an agent of Philam and creating a website for my services. Would it be alright if I can feature your comment as one of the testimonies of people who have had good experiences with insurance? It may help bring the good that insurance can do to more pinoys who need it.
Permission to screenshot po sir. I love your testimony.
I already have BPI-PHILAM Critical illness payable in 10 years. Iba pa po ba ito sa Life insurance? Kase sabi nung BSE na nakausap ko Meron na syang Investment, Life Insurance at Savings.
Or need ko pa po ng Life Insurance talaga?
By the way in Sept 2020 1 year na din po ako sa BPI-PHILAM 🙂
Im 27 y/o and ngayon po ako nagla interest at inaaral how to invest.
I also have 1 UITF's and 1 Mutual Fund. And Im planning bumili ng shares sa stockmarket.
I hope ma guide nyo po ako sir. Thank you so much!
P.S
Thanks to sir Marvin Germo he promote your channel that's why i found you sir Rex 🙂
More vlogs pa po 😍
Hello po, na mention niyo po na BPI-Philam Critical Illness ang meron po kayo. Pwede pa po kayo actually kumuha ng additional coverage from other companies Po on top of your policy para sigurado po talaga na protected po kayo
Tol. Check mo mabuti plan. From what i understood. If you live long, or die young, ang makukuha mo lang jan ay which ever is higher. Halimbawa ang term mo 1m, pero ang investment mo na nsa 500k. 1m lang makukuha mo..
Sa VUL kase from life insurance companies like, PRULiFE, Sunlife, Cocolife, Manulife,etc. Bibigay nila sayo lahat, sa sample ko 1.5m ang makukuha mo or ng family mo
Hi, Critical Illness coverage is a term insurance. If you stop paying it the coverage will be gone also. You might want to check and go back to your financial advisor :)
Life insurance is like buying your future income for a very small amount. One of the most important product you will ever purchase.