I have a close friend who is a licensed financial advisor but i really don't understand a single thing she is attempting to explain, but this video explain what i want to understand perfectly. Thank you so much
A very lucrative BUSINESS (insurance companies) that pays % of its revenue to top Lawyers to make the contract very complicated for regular folks to understand so when the time comes that the "Insured" asks for payout, it will be close to impossible. They hire and train SALES People / Insurance Agents and give them a fancy title like "FINANCIAL Advisor", they then wrap their product into something very marketable called "Life Insurance" and sell it to the Financially Unaware or Financially Illiterate (myself included)." Be mindful. Thank you very much
Kaya nga po bago kumuha ng insurance or bago pumasok sa kung anong investment. It's better to do research, karamihan po kasi ng kumukuha ng Insurance is hindi nila naiintindihan yung pinapasok nila. Tas once na realize nila na hindi pala tugma sa needs nila yung kinuha nila, kasalanan ng agent or Insurance company. Being a Financial Advisor, we are trained to inform and educate our clients. Yes hindi namin ineeducate mga clients tungkol sa ibang investment vehicles since it takes knowledge and expertise para pumasok sa ibang investment options. Our job is to present "Our" solution and hindi lang para maka benta. We do fact finding para malaman namin needs nyo. You should be responsible kung ano needs nyo.
There's another good alternative on Life insurance ,VUL, whole life insurance which is PERA Account (PERA Account tax-free if you reach 55 years old even you want to withdraw on age 55 or above). In PERA Account , you can choose and combine Bond funds, stocks, mutual fund, insurances, annuities,money market, UITF, equities and Govt investment). Thank you very much
I’ve heard about that as well! It’s actually one of the reasons why I chose life insurance alone rather than the VUL. People can take advantage of the tax incentives of that program. I hope more Filipinos are aware of that :)
After a Deep Sudden Financial Crisis due to passing of my Father I insured myself right away (after 2months) preventing my owned family to get through what I have been suffered from.. and after several months I have decided to become a part of the Insurance Industry simply because I want to educate people from preventing what I have gone through.. Two things is certain.. First All of us will age then get sick and second we all gonna die.. Taught that in a hard way.. No I am a License Financial Advisor and because of my story people get inspired to prepare for their future and have a worry free retirement thay all of us truly deserves.♥️
As soon as you get a job, it’s best to get a life insurance even if you’re not a breadwinner 😊 I did that though the life insurance I got was what was just recommended to me by my officemate 😆 Wish I researched first the best life insurance. Love the S.A.D. acronym by the way. It’s so easy to remember 💕
Be Financial Literate first before Investing. Don't be emotional and Get rid being convince on agent's emotional selling before it is too late. It is really nice to invest but be careful and understand first the Financial instruments' (stocks, FMETF, Bonds, SPVUL) purpose before Investing. Thank you very very much
I totally agree! Some FAs can be really persuasive and pushy, and tbh they only tell some parts of the policy and not really explain the whole picture. So it is really important to take your time to do some research first before diving right into it.
Hi. Let me thank you for what I've learned from one of your videos. I now use MS excel in all of my financial records which you shared in your video about budgeting. I've been using MS excel for so long ang I never thought what convenience it can give me when it comes to budgetting. I have an easy access, accurate and adjustable records each time I need them. God bless your endeavors and may you reach more people...
Really hope you influence more and more people.. what our fellow countrymen need is education and information just like this..not entertainment and dumb contents.. can't help but be disappointed, they got million subs for what? 😩 Just keep it going..!👍👍👍
Thanks for this video. I've been wondering about this for months but I dont want anyone selling me anyting. I just want to be aware for me to decide if I should get one and which one to get. Its really helpful for a nonagent to explain.. So yeah. Thank you for creating rhis video
Hi Keixia, if you want an elaborated and detailed discussion about insurance please feel free to send me a reply. I am more than willing to guide and walk you through it. I understand that you don't want people selling you something so I swear to give you all the independence to decide if you are to get one from me or not. I just hope you give me a chance to show what we can offer. by the way I am a Financial advisor from PRU LIFE UK. I hope I'll get a chance to talk with you about this. Thank you.
Please create video topics about BTID VS VUL, forex & stock investments, Pag-ibig MP2 , PERA (Personal Equity and Retirement Account) and HMO. More powers and blessings to your channel. Thank you very much
Hi ate charm. I really like your videos! I didn't grow up with relatives that could help me out when it comes to things like this so it's good to know I could learn from you! Do you have more videos on health insurance?
Insurance should not be mixed with the investment, in my personal opinion. The whole investment insurance was based on country like UK where they can save and tax free. As far as i know we get tax for insurance claim therefore i personally use term insurance. If i would invest, i would rather invest seperately to stock that known to return 10% like s&p500.
France - Personal Finance & Student Loan Debt well our parents can always be the dependents for now. I still recommend getting one since it’s much cheaper when you’re younger ☺️
Still better to get one. You can always update your policy to add dependents (probably depending on the insurance provider, but I think it's the same with most insurance products).
Some people are scared to get insurance policies because of miselling and misrepresentation of the insurance plan and also the unethical practices of financial sales agent.
Would you recommend additional term insurance with open contract (i.e. you’re insured as long as you’re paying) if you have a VUL already? I’m not sure if term insurance is really worth it or if i’m just going to waste money lol
would you like to start one sir. I can help and walk you through it. Please send me a reply if you are still into it. I'll be more than willing to help. Thanks.
I can’t wait for BTID vs. VUL! I’d say it’s kinda a controversial topic so i would really want to hear other people’s thoughts about it. As usual, you made another meaningful and clear explanation of adulting stuff like this. I’m really glad I came across your channel. It’s really helpful and informative. ☺️🤩
It will depend po sa needs ng individual. BTID, it will require discipline. With Term Insurance, note that Death Benefit lang po macocovered nya kumbaga mapapakinabangan lang po siya once namatay ka. Nag i-increase din premium nya overtime pag nag renew due to age. Term Insurance is also prone to getting lapsed pag hindi sya namomonitor. If you choose to go BTID, dapat disiplinado kayo sa pag handle ng pera especially kung saan nyo po ito iniinvest. If you decide to Invest in the stock market, Forex or other investment vehicles, make sure na you allot time para mapag aralan ang tamang pag iinvest and kung saan kayo mag iinvest. With pure investments din, if you want higher returns, expect na dapat mataas din amount na iniinvest nyo. Risky to but of you know what you're getting yourself into and kung kaya ng income nyo then you will be fine. VUL on the other hand is for people na hindi disiplinado sa pera nila, walang time matutukan investments nila or wala lang knowledge regarding sa pag iinvest. VUL is basically BTID. DIY lang po ang BTID. VUL provides convenience to people who are not very good or have no time para maka pag focus sa pag iinvest. VUL should also be treated as a long term/investment plan. I'm talking more than 10 years na di gagalawin ang pera. VUL also provides living benefits such as Critical Illness benefit, Accident and Disablement benefits, Daily Hospital Income etc. in which hindi napo provide ng Term. VUL can also be used as MRI or Mortgage Redemption Insurance. And if ever namatay si Policy Owner and need makuha ng beneficiary yung pamana, wala silang babayaran an estate tax. VUL is also for people na hindi sapat ang income to go for pure investments since they can get a VUL for as low as 1500 to 2000 a month. Basically, VUL is more of an Income protection and long term savings product. So at the end of the day it will depend sa needs and goals ng individual. Sa cash flow nila. Kaya dipo sya pwede ma conclude na mas maganda ang isa since case to case basis siya. Just my 2 cents.
@@justinlasola2978 thanks, Justin! I completely agree! A lot of people demonize VUL but I agree that it still really helps a lot of people! Not everyone has the time and discipline to do BTID. I mentioned that that if I knew what I know now, I would do BTID, and that’s because I’m very involved in my stocks trading. But it doesn’t mean that everyone should do it. On the other hand, People who does BTID can do funds also though, maybe index. Not necessarily high risk like forex or stocks. Since the VUL does have extra charges linked to your investments
Yes, wasn't able to mention mutual funds or index funds. Anyway, would still love to hear your opinion about this topic though since i'm still trying to gain more knowledge based on other people's opinion. New subscriber here!
@@CharmdeLeon Went BTID 10 years ago when luckily I attended a seminar by the COL guys Javi Medina & anoither guy back then...I am so thankful to those COL guys...They stirred me clear of this VUL crap....
Please talk about the Security Bank All access account which I think offers free insurance...you just need an account with them. I availed of this 2 years ago. But havent checked again. BPI I think have some equivalent product. Only those two have that product in the market.
Yes, it has a free insurance coverage pero maliit lang po as compared sa mga insurance plan talaga. Meron po silang binibigay na form wherein nakalagay yung mga coverage.
Good day Christian, we can discuss in detail before you get an insurance para we can plan an ideal life insurance for you. This is my email ad agentdavecruz@gmail.com. we can set a virtual meeting for discussion
offtopic lang hehe. ls endowment plan connected to Life Insurance? or inooffer ba ng mga Life Insurance company ang endowment plan? narinig ko lang na endowment plan is good in terms on investment.
Jena Marie Nubla sometimes, it’s in the client’s best interest since they might have a higher premium or more requirements like medical exams if they declare it. But also, it might cause complications in the policy as well. I think it’s really a case to case basis because there are times when the pre existing illness doesn’t affect the policy.
I am 22 and got my AXA Life Insurance approved this month. As a breadwinner, I was worried. Now I feel secured. Thoughts about BDO Life po? I'm now studying the proposal given to me by their financial advisor. Aping permi! :)
Ma'am magtanong lang po ako kung ilang taon ang pag hinulog sa life insurance , at kung magkano ang hulog sa buwat Isang buwan , KASi ma'am hindi ko gaano na intindihan ang sinasabi mo dahil hindi ako nakatapos ng pag aaral.
@bai jologz, its not yet too late. I can assist you in creating a program suited to your needs. May I have your email address to personally contact you?
Good day Sir, its not yet late we can insured until age 65. We can set a virtual meeting to further discuss it here is my email ad agentdavecruz@gmail.com
@@vickyaddatu7943, hi mam! not it is not yet too late. May I have your email address so I can assist you to have the best program suited to your needs.
I have a question about a life insurance without a maturity period. This was the policy I was offered, and I'm just confused about it. Is it typical for a policy to not have a maturity period? I can basically terminate it at any point, and get my returns by then and maybe do partial withdrawal at some point. But wala daw talagang maturity period. So I'll be paying until I'm alive or until anything happens to me?
File directly sa insurance company, any branch naman po yon. Pero kung nakakausap pa si advisor, mas okay pong siya nalang pag-asikasuhin niyo para din po less hassle sa inyo.
Can I ask po how to get the life insurance ng tatay ko po wala na po kasi sya pero nakakita kami ng certificate of insurance I really don't have any idea po. Thank you po hope you'll notice
IMG member here. Ok naman IMG. Just make sure ano purpose mo bakit ka nag join sa IMG. dahil sa dami ng membership benefits nakakalito na sya. make sure your mentors is good and understanding.
Nice video 😁, btw what happens if i use my accident coverage on year 3, for example i used 600k out of 800k coverage, what happens to the policy? Can i terminate it na since i only paid for 3 years and get new policy nalang? Thank you.
@@whiskat9357 if you have the Waiver of premiums rider, you can continue enjoying the benefits without having to pay anymore. 😊 subject to their terms of course
@@CharmdeLeonthanks for answering hehe, last example scenario * just for curiosity *🤣🤔Can i cancel the insurance habang maaga pa if ever it outweighed and nasulit na ung coverage value😂? Example i only paid for 3 years 40k each =120k palang nabayaran ko but i already used my coverage of 600k from 1M, is it possible to terminate nlng the policy since konti nlang naiwang coverage for my policy 😬.
@@whiskat9357 hmm. If there’s a premium waiver sayang if you terminate it. It’s essentially free. Best to ask your financial advisor since policies really vary a lot.
Does LIFE INSURANCE also has Health Benefit? So para san pa yung HEALTH INSURANCE if meron ndn Health Benefit from Life insurance? HELPP AND enlighten me please. Thankyou
Depende po sa plan na inavail niyo. May tinatawag pong riders para po mas maging comprehensive yung plan. Pwede niyo po akong imessage kung kailangan niyo pa po ng tulong. Salamat po.
I have a close friend who is a licensed financial advisor but i really don't understand a single thing she is attempting to explain, but this video explain what i want to understand perfectly. Thank you so much
As a Financial Advisor, this explanations are very clear! I hope people realize how important the role of life insurance in our life. 😊
nice
and how health insurance is important to our health
Sobrang helpful mo sakin ate charmaine as a teenager kase I always wanted to plan my life ahead and this type of content saved me
I'm a Financial Advisor and I can easily say that this Video is AMAZING! Great Job!
just discovered this channel and like it’s a LIFESAVER. Thanks for this and also its already 2am and im still up bcos of your videos.
😂😂
PM po maam need po nmin ng ensurance..tnx po..
This girl got me to get my first insurance plan! Now I have two and am looking for my third!
Jet Luga ☺️💯
Hi Sir Jet! I'm a Financial Advisor from Sun Life. We have insurance with investment policies :)
What is your first insurance sir? How much is the monthly fee?
Christian Q. Sukhwani it depends on the product,age,smoking habit and gender.
What are your insurance companies you choose?
A very lucrative BUSINESS (insurance companies) that pays % of its revenue to top Lawyers to make the contract very complicated for regular folks to understand so when the time comes that the "Insured" asks for payout, it will be close to impossible. They hire and train SALES People / Insurance Agents and give them a fancy title like "FINANCIAL Advisor", they then wrap their product into something very marketable called "Life Insurance" and sell it to the Financially Unaware or Financially Illiterate (myself included)." Be mindful. Thank you very much
Kaya nga po bago kumuha ng insurance or bago pumasok sa kung anong investment. It's better to do research, karamihan po kasi ng kumukuha ng Insurance is hindi nila naiintindihan yung pinapasok nila. Tas once na realize nila na hindi pala tugma sa needs nila yung kinuha nila, kasalanan ng agent or Insurance company. Being a Financial Advisor, we are trained to inform and educate our clients. Yes hindi namin ineeducate mga clients tungkol sa ibang investment vehicles since it takes knowledge and expertise para pumasok sa ibang investment options. Our job is to present "Our" solution and hindi lang para maka benta. We do fact finding para malaman namin needs nyo. You should be responsible kung ano needs nyo.
True but researching that is our responsibility too, as someone who wants to avail of an insurance.
You just answered all of the questions that I wanted /prepared to ask to a financial advisor. Thank you.
Discovered this channel a few days ago and now I'm binge-watching for 3 days straight (lol)
I am in 3rd yr of paying my insurance and ngayon ko lang ito naintindihan! Very nice video!!!
I'm on research about insurances then I stumbled in your videos. Thank youuu Great Help! ❤
There's another good alternative on Life insurance ,VUL, whole life insurance which is PERA Account (PERA Account tax-free if you reach 55 years old even you want to withdraw on age 55 or above). In PERA Account , you can choose and combine Bond funds, stocks, mutual fund, insurances, annuities,money market, UITF, equities and Govt investment). Thank you very much
I’ve heard about that as well! It’s actually one of the reasons why I chose life insurance alone rather than the VUL. People can take advantage of the tax incentives of that program. I hope more Filipinos are aware of that :)
Ano ang PERA ACCOUNT maam?
hello where to avail thi?
Just discover this channel because yesterday I'm watching a video about savings money hehe. 😅😄😍 Thank youuu!
Thank you! 🙏🏻 🤗✌🏻
After a Deep Sudden Financial Crisis due to passing of my Father I insured myself right away (after 2months) preventing my owned family to get through what I have been suffered from.. and after several months I have decided to become a part of the Insurance Industry simply because I want to educate people from preventing what I have gone through..
Two things is certain.. First All of us will age then get sick and second we all gonna die..
Taught that in a hard way.. No I am a License Financial Advisor and because of my story people get inspired to prepare for their future and have a worry free retirement thay all of us truly deserves.♥️
As soon as you get a job, it’s best to get a life insurance even if you’re not a breadwinner 😊 I did that though the life insurance I got was what was just recommended to me by my officemate 😆 Wish I researched first the best life insurance.
Love the S.A.D. acronym by the way. It’s so easy to remember 💕
Own Property PH i agree! I got mine even before I was the breadwinner. Need to think long term because it’s cheaper to get right now.
𝗪𝗵𝗮𝘁 𝗟𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝘄𝗼𝘂𝗹𝗱 𝗵𝗮𝘃𝗲 𝗯𝗲𝗲𝗻 𝗯𝗲𝘁𝘁𝗲𝗿 𝗳𝗼𝗿 𝘆𝗼𝘂 𝘁𝗵𝗲𝗻 𝗶𝗳 𝗻𝗼𝘁 𝘁𝗵𝗮𝘁 𝗼𝗻𝗲 𝘀𝘂𝗴𝗴𝗲𝘀𝘁𝗲𝗱 𝘁𝗼 𝘂 𝗯𝘆 𝘂𝗿 𝗳𝗿𝗶𝗲𝗻𝗱?
Be Financial Literate first before Investing. Don't be emotional and Get rid being convince on agent's emotional selling before it is too late. It is really nice to invest but be careful and understand first the Financial instruments' (stocks, FMETF, Bonds, SPVUL) purpose before Investing. Thank you very very much
I totally agree! Some FAs can be really persuasive and pushy, and tbh they only tell some parts of the policy and not really explain the whole picture. So it is really important to take your time to do some research first before diving right into it.
you are probably right about some other FA's but not everyone of us are like that. Just saying I hope I did not offend anyone. Thanks.
Thanks for this video very helpful you explained clearly 😊.
Hi. Let me thank you for what I've learned from one of your videos. I now use MS excel in all of my financial records which you shared in your video about budgeting. I've been using MS excel for so long ang I never thought what convenience it can give me when it comes to budgetting. I have an easy access, accurate and adjustable records each time I need them. God bless your endeavors and may you reach more people...
Really hope you influence more and more people.. what our fellow countrymen need is education and information just like this..not entertainment and dumb contents.. can't help but be disappointed, they got million subs for what? 😩 Just keep it going..!👍👍👍
Thank you 😊 🤗✌🏻
Thank you so much for this, I've been watching your channel recently. ❤️
Thanks for this video. I've been wondering about this for months but I dont want anyone selling me anyting. I just want to be aware for me to decide if I should get one and which one to get. Its really helpful for a nonagent to explain.. So yeah. Thank you for creating rhis video
You’re very welcome 😊
Hi Keixia, if you want an elaborated and detailed discussion about insurance please feel free to send me a reply. I am more than willing to guide and walk you through it. I understand that you don't want people selling you something so I swear to give you all the independence to decide if you are to get one from me or not. I just hope you give me a chance to show what we can offer. by the way I am a Financial advisor from PRU LIFE UK. I hope I'll get a chance to talk with you about this. Thank you.
Please create video topics about BTID VS VUL, forex & stock investments, Pag-ibig MP2 , PERA (Personal Equity and Retirement Account) and HMO. More powers and blessings to your channel. Thank you very much
Truy Tayaba thank you! Will definitely try to cover these in future videos!
Hi ate charm. I really like your videos! I didn't grow up with relatives that could help me out when it comes to things like this so it's good to know I could learn from you! Do you have more videos on health insurance?
binge watching your vlog for 2 days now you're so helpful!
❤️❤️❤️
New Subscriber here.. I am a financial Advisor myself yet I am learning a lot from you. Thank you.
This is SO helpful! Thank you 😭
Very much helpful.... very good mam!!
Thank you! VERY INFORMATIVE!
Just discovered this channel,very informative and helpful.
Keep it up!
Ang galing nyo po mag explain and grabe yung advocacy nyo about financial literacy :)
I love the way you explain things. Why don't you become a Financial Advisor? You will get a lot of clients.
I want to be as unbiased as possible ☺️
@@CharmdeLeon That's what makes your vlog commendable. Considering getting my 2nd policy because of you. Hopefully by next year.
@@MANZOismTV for options we can set a virtual meeting here is my email ad agentdavecruz@gmail.com
You are a very good speaker.
Very well explained,thanks
This is really a big help to meeee! 😍😍😍
🤗✌🏻
wow I like how you organize your video with a nice table of contents . Nice life insurance recommendations!
Thanks, Jim!
Thank you for the vid.. more power
Salamat sa explaination ma'am i love you 😅
Insurance for lgbt partners??? Omg that's so cool very helpful thank you!!!
Love it very informative ❤️ Thanks Ms. Charm! I hope you can cover topic like 'how to start investing in the stock market for early 20s' 🤗
Thanks, Kristen Manulat! Will definitely add that to the list! 💕
Very informative❤️ thank you
Insurance should not be mixed with the investment, in my personal opinion. The whole investment insurance was based on country like UK where they can save and tax free. As far as i know we get tax for insurance claim therefore i personally use term insurance. If i would invest, i would rather invest seperately to stock that known to return 10% like s&p500.
Pls discuss also about the charges that didn't explain by the financial advisor in your future video. Thanks.
You can check this: th-cam.com/video/QLRj7KwP-bo/w-d-xo.html
nice video very informative. thank you so much
Thoughts about SunLife?
I've always been taught that I don't need life insurance until I have dependents
France - Personal Finance & Student Loan Debt well our parents can always be the dependents for now. I still recommend getting one since it’s much cheaper when you’re younger ☺️
Still better to get one. You can always update your policy to add dependents (probably depending on the insurance provider, but I think it's the same with most insurance products).
Some people are scared to get insurance policies because of miselling and misrepresentation of the insurance plan and also the unethical practices of financial sales agent.
Truy Tayaba agree! I’ll be talking about this in my next video
Very nice video. Big like
Thankkk youuu Ready2adultph! super clear ng explanation. Ang dali intindihin. ❤️
Donita marie Sandoval thank you din for watching 🤗💕
Notif Squad!
Fran Jspr heeeey! 🤗💕
Would you recommend additional term insurance with open contract (i.e. you’re insured as long as you’re paying) if you have a VUL already? I’m not sure if term insurance is really worth it or if i’m just going to waste money lol
I got myself recently a VUL.
Hope I can continue paying for it.
Miracle Bitancur that’s great! Hopefully your advisor recommended naman a policy that they know you can continue to pay for ☺️💕
Hello. I would like to ask where can I send my requirements for the sss unemployment beneficiaries. Thank you.
I’m already 29. One of my biggest regret is why I did not start my VUL when I was 20/fresh grad. 😥
would you like to start one sir. I can help and walk you through it. Please send me a reply if you are still into it. I'll be more than willing to help. Thanks.
i discovered this channel when i was looking for a research topic. its so helpful to me. is it alright if i could get some infos for my research?
Hello, will it take some time to borrow the money when u need it?
Plan for 2021. .. getting an insurance
💕💕💕
Coach,wat b magandan life insu na pwede kong makuha and at the same time maipresent ko pag magloan ako para sa condo pag ,a hand over na po maam?
very informative and nicely and simply explained. Can I share this video to my FB page?
any review po sa BPI Philam Build life plus? Im 25 yrs old. please need to enligten po
Thank you 🥰
Wow. Thank youu! ☺️
thank you, Charm!
Got 1 whole life, 2 VUL and 1 health insurnce .. for savings, retirement and protection
Jannet Gonzaga i have the same!
Hi. Where did u apply po for life, vul and health insurance?
@@lch246 mine : th-cam.com/video/zFmsG0ninRU/w-d-xo.html
how much spot cash in that insurance?
I can’t wait for BTID vs. VUL! I’d say it’s kinda a controversial topic so i would really want to hear other people’s thoughts about it.
As usual, you made another meaningful and clear explanation of adulting stuff like this. I’m really glad I came across your channel. It’s really helpful and informative. ☺️🤩
Nikki Canceran thank you! I’m actually quite intrigued with how my opinion about the matter also changed over time.
It will depend po sa needs ng individual. BTID, it will require discipline. With Term Insurance, note that Death Benefit lang po macocovered nya kumbaga mapapakinabangan lang po siya once namatay ka. Nag i-increase din premium nya overtime pag nag renew due to age. Term Insurance is also prone to getting lapsed pag hindi sya namomonitor. If you choose to go BTID, dapat disiplinado kayo sa pag handle ng pera especially kung saan nyo po ito iniinvest. If you decide to Invest in the stock market, Forex or other investment vehicles, make sure na you allot time para mapag aralan ang tamang pag iinvest and kung saan kayo mag iinvest. With pure investments din, if you want higher returns, expect na dapat mataas din amount na iniinvest nyo. Risky to but of you know what you're getting yourself into and kung kaya ng income nyo then you will be fine.
VUL on the other hand is for people na hindi disiplinado sa pera nila, walang time matutukan investments nila or wala lang knowledge regarding sa pag iinvest. VUL is basically BTID. DIY lang po ang BTID. VUL provides convenience to people who are not very good or have no time para maka pag focus sa pag iinvest. VUL should also be treated as a long term/investment plan. I'm talking more than 10 years na di gagalawin ang pera. VUL also provides living benefits such as Critical Illness benefit, Accident and Disablement benefits, Daily Hospital Income etc. in which hindi napo provide ng Term. VUL can also be used as MRI or Mortgage Redemption Insurance. And if ever namatay si Policy Owner and need makuha ng beneficiary yung pamana, wala silang babayaran an estate tax. VUL is also for people na hindi sapat ang income to go for pure investments since they can get a VUL for as low as 1500 to 2000 a month. Basically, VUL is more of an Income protection and long term savings product.
So at the end of the day it will depend sa needs and goals ng individual. Sa cash flow nila. Kaya dipo sya pwede ma conclude na mas maganda ang isa since case to case basis siya. Just my 2 cents.
@@justinlasola2978 thanks, Justin! I completely agree! A lot of people demonize VUL but I agree that it still really helps a lot of people! Not everyone has the time and discipline to do BTID. I mentioned that that if I knew what I know now, I would do BTID, and that’s because I’m very involved in my stocks trading. But it doesn’t mean that everyone should do it. On the other hand, People who does BTID can do funds also though, maybe index. Not necessarily high risk like forex or stocks. Since the VUL does have extra charges linked to your investments
Yes, wasn't able to mention mutual funds or index funds. Anyway, would still love to hear your opinion about this topic though since i'm still trying to gain more knowledge based on other people's opinion. New subscriber here!
@@CharmdeLeon Went BTID 10 years ago when luckily I attended a seminar by the COL guys Javi Medina & anoither guy back then...I am so thankful to those COL guys...They stirred me clear of this VUL crap....
good day,we are watching,madam
wilfredo madrazo thank you!
Hello I'm interested to get life insurance.. What I'm gonna do first
Pwede po kau mag inquire sa financial advisor sa first step.
Coach saan ba ako maka apply ng mortgage Redemption insurance maam?
Please talk about the Security Bank All access account which I think offers free insurance...you just need an account with them. I availed of this 2 years ago. But havent checked again. BPI I think have some equivalent product. Only those two have that product in the market.
Yes, it has a free insurance coverage pero maliit lang po as compared sa mga insurance plan talaga. Meron po silang binibigay na form wherein nakalagay yung mga coverage.
@@arlenegianan5770 hinde nya maliit ang coverage...maliit sya kung/kapag maliit ang pera mong nakapark...
@@gilean6179 nope. Read the terms and condition.
@@arlenegianan5770 Ive read them. what bothers you with these 2 products? Security bank All Access and the BPI version of it?
hello may i ask what could be a reasonable and realistic interest rate for a quarterly premium of P3,500 for 35 years?
4% to be safe but it really depends where they invest it
Would you recommend investing or joining IMG?
Img here 😊
Can you recommend a life/health insurance for a beginner? I'm just 22yrs old. Like how much the annual or monthly fee?
Good day Christian, we can discuss in detail before you get an insurance para we can plan an ideal life insurance for you. This is my email ad agentdavecruz@gmail.com. we can set a virtual meeting for discussion
Hi Christian! Im from Axa Philippines. I can share with you the benefits. You may contact me at 09274140504 or csaure73@gmail.com
Sunfit and well po
offtopic lang hehe. ls endowment plan connected to Life Insurance? or inooffer ba ng mga Life Insurance company ang endowment plan? narinig ko lang na endowment plan is good in terms on investment.
Yes po, may life coverage po siyang kasama. =)
rewatching this ❤️❤️❤️
What can you say about financial advisors who advise their clients who have pre-existing illness na wag nalang ideclare ang pre-existing illness nila?
Jena Marie Nubla sometimes, it’s in the client’s best interest since they might have a higher premium or more requirements like medical exams if they declare it. But also, it might cause complications in the policy as well. I think it’s really a case to case basis because there are times when the pre existing illness doesn’t affect the policy.
Insurance plus investment is the best
I am 22 and got my AXA Life Insurance approved this month. As a breadwinner, I was worried. Now I feel secured. Thoughts about BDO Life po? I'm now studying the proposal given to me by their financial advisor. Aping permi! :)
I have not gone over a BDO life proposal but it should be okay, they’re usually more or less the same. Just make sure you’re comfortable with your FA
Mam i can give you more options and we can discuss it virtually. Here is my email ad agentdavecruz@gmail.com
@@CharmdeLeon yes, correct. Aside from the insurance, FA is very important. Dapat may care and love sa clients while providing excellent service.
Insurance for lgbt partners? What company is it? I am planning to get one
Almost all allows already. I was told by PhilAm Life
Hi Ms. Anna, im from Axa Philippines. I can share with you the benefit. You may contact me at 09274140504 or csaure73@gmail.com
Hi, why does Emergency Fund matter po? is it because matagal yun pag claim sa mga insurance company? Thank u
It’s for things that don’t warrant an insurance claim. Like losing a job, a car breaking down, minor medical emergency not covered by insurance, etc
@@CharmdeLeon o yea, i get it now hehe kala ko dahil need muna magpaluwal once need for a claim na from insurance. Thanks
It may possible 4 binefisyary?
Thank you
How about retirement insurance.
Paano po mag avail ang cooperative sa ganitong insurance?
Paano po ako po May saan ako poponta mag file ako ng 101 pension
Ma'am magtanong lang po ako kung ilang taon ang pag hinulog sa life insurance , at kung magkano ang hulog sa buwat Isang buwan , KASi ma'am hindi ko gaano na intindihan ang sinasabi mo dahil hindi ako nakatapos ng pag aaral.
10 yrs to pay po at depende po sa age ninyo kung magkano po ang magiging hulog po.Quarterly, semi annually at annually po ang hulog sa insurance
im 40 now its too late to get insurance mam? What do you think mam? Thanks
@bai jologz, its not yet too late. I can assist you in creating a program suited to your needs. May I have your email address to personally contact you?
Good day Sir, its not yet late we can insured until age 65. We can set a virtual meeting to further discuss it here is my email ad agentdavecruz@gmail.com
Me too mam I'm already 50 is it too late for me to get life insurance?
@@vickyaddatu7943 mam pwede pa kayo kumuha i can send you a quotation paprovide lang po name and birthday niyo sa email ad k agentdavecruz@gmail.com
@@vickyaddatu7943, hi mam! not it is not yet too late. May I have your email address so I can assist you to have the best program suited to your needs.
Yasss. 7:50
Salamat po mam
I have a question about a life insurance without a maturity period. This was the policy I was offered, and I'm just confused about it. Is it typical for a policy to not have a maturity period? I can basically terminate it at any point, and get my returns by then and maybe do partial withdrawal at some point. But wala daw talagang maturity period. So I'll be paying until I'm alive or until anything happens to me?
Nag-email po ako. Baka may maitulong po ako. =)
How do you claim life insurances if you are the beneficiary?
File directly sa insurance company, any branch naman po yon. Pero kung nakakausap pa si advisor, mas okay pong siya nalang pag-asikasuhin niyo para din po less hassle sa inyo.
Can I ask po how to get the life insurance ng tatay ko po wala na po kasi sya pero nakakita kami ng certificate of insurance I really don't have any idea po. Thank you po hope you'll notice
Hi! I'm from Sun Life. Baka may maitulong po ako sa inyo. You can send me a message, nasa youtube profile ko po fb link ko. =)
THANK YOUUU
Very imformative
Hello po...okay po ba si bdo life?
Thoughts about IMG (international marketing group)? Im planning to become a member but im still not 100% sure about my decision.
IMG member here.
Ok naman IMG. Just make sure ano purpose mo bakit ka nag join sa IMG.
dahil sa dami ng membership benefits nakakalito na sya.
make sure your mentors is good and understanding.
Mam better be an FA so we can have you license and special training. We can discuss further virtually my emailad is agentdavecruz@gmail.com
@@HonkaiPapaPanget same here 😊
Contented Img
Nice video 😁, btw what happens if i use my accident coverage on year 3, for example i used 600k out of 800k coverage, what happens to the policy? Can i terminate it na since i only paid for 3 years and get new policy nalang? Thank you.
My premium for example is a 10 years to pay premium
@@whiskat9357 if you have the Waiver of premiums rider, you can continue enjoying the benefits without having to pay anymore. 😊 subject to their terms of course
@@CharmdeLeonthanks for answering hehe, last example scenario * just for curiosity *🤣🤔Can i cancel the insurance habang maaga pa if ever it outweighed and nasulit na ung coverage value😂? Example i only paid for 3 years 40k each =120k palang nabayaran ko but i already used my coverage of 600k from 1M, is it possible to terminate nlng the policy since konti nlang naiwang coverage for my policy 😬.
@@whiskat9357 hmm. If there’s a premium waiver sayang if you terminate it. It’s essentially free. Best to ask your financial advisor since policies really vary a lot.
@@CharmdeLeon I understand :) thank you for replying ! Great channel btw 👍 very helpful for us young adults😃 woooooo!
Life insurance ay napaka halaga talaga
Naa na dre agusan
How much it cost if I'm get life insurance in 1 year?
Hi Ms Imelda, I can help you po. Please feel free to message me fb.me/lifeplanph
Does LIFE INSURANCE also has Health Benefit? So para san pa yung HEALTH INSURANCE if meron ndn Health Benefit from Life insurance? HELPP AND enlighten me please. Thankyou
Depende po sa plan na inavail niyo. May tinatawag pong riders para po mas maging comprehensive yung plan. Pwede niyo po akong imessage kung kailangan niyo pa po ng tulong. Salamat po.