5 Misconceptions People Believe About Insurance
ฝัง
- เผยแพร่เมื่อ 2 ม.ค. 2020
- Gusto mo bang magkaroon ng life insurance? Kailangan ba natin ito? When we say life insurance, it's a protection money. This is one of the most undiscussed, avoided, and controversial topic because a lot of us had an unhealthy perception about insurance. However, there are things that we need to know about the lies about insurance. Ito yung mga misconceptions tungkol sa life insurance. With this video, we are going to discuss the 5 shocking lies that we believe about life insurance.
#ChinkPositive #ChinkeeTan #Insurance #liesofinsurance #lifeinsurance #protectionmoney
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RETIRE YOUNG AND RETIRE RICH: Invest and do the right thing.
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Ano po magandang insurance?
Nagbayad na po ako ng 799.00 sa link nyo "retirement at 50" bkit wala pa sa email ko po????
@@rosarioanima4746 sorry we dont endorse
@@agnesvictoria5836 kinldy wait it is on cue
@@rosarioanima4746 VUL po Madam.
I am Marygrace Moreno
Financial Consultant of PruLife UK
2:00 1) I'm still too young
3:41 the earlier u buy the cheaper it becomes.
4:20 below 35, hindi mo kailangan ng medical check up
4:50 2) it's only for the rich
5:35 it's for everyone
6:40. 3) I will get when I have enough money
7:40. It will PREVENT U from getting into debt.
8:30 4) it's just an expense.
9:00 it will SAVE U lots of money
9:46. 5) I do not need it now.
Grabe laking tulong nito lalo sa mga taong di nkakaintindi .Salamat po ❤❤❤
Excellent lecture , your great teacher,Mabuhay pilipino and Philippines 🇵🇭 God bless n peace,grace to all of us.
Kumuha kayo ng insurance! I'm 30 when i bought mine and it saved my life. After a year of paying insurance i got diagnosed with cancer and i was able to claim money for my treatment. It is the best decision of my life. I should have started in my 20's but i was ignorant and wanted to spend and enjoy lang.
Prepare for your future, secure your family's future. Of course sa reputable companies kayo bumili. Wag tamarin mag research at mag basa basa.
E E ano po yan ang sa yo health insurance?What's the difference sa health and life insurance?
Same here...hehe
if you want insurance, you may start in micro-insurance(there's also micro-insurance in cebuana lhuillier)(if even small coverage and protection driven -it does matter) pls. Don't overwhelmed on high sum assured from sales agents but high cost fees and charges. You may get savings with insurance at Security bank, BPI Pamana, metrobank (starting P2000 pesos with 100k insurance coverage) and CIMB bank(mobile and easy accessible banking) . If You want to invest and grow your money , you may start to study and to get more information about investing on a cooperatives, bonds, UITF, Mutual funds , Exchange Traded fund (index base), stock market, right way of investing in Cryptocurrency (Bitcoin, XRP, Etherum), having opportunities in real estate and Entrepreneurship and also knowing precious metals such Gold and Silver. Insurance is just options of Financial instruments , there are lot of investments (just understand and have knowledge first)(to prevent Investing without understanding and no presence of mind(na goyo-selling ng agent, peer-pressure, hiya factor, too much emotion on investing) don't let yourself drive into agent's emotional selling because it might you give disstress or get distracted (stick to your Financial game plan (too small or big --it is good as you can understand and manage). Thank you very much for your time and consideration.
yaya ncdb may life insurance plan na may rider (meaning may component or kasama na critical illness benefit which is once madiagnose ka ng any of the critical illness na nakalagay sa policy mo, award sa iyo ang cash assistance on top of your face amount) at meron naman na nagfocus lang sa health insurance.
@@yayaneri tama si Reina Hallare, yung life insurance ko may kasamang critical illness. I believe you have options which will fit your lifestyle. Better to consult with an agent. 🙂
I got my life insurance when i was 21, and now I'm 22, I'm planning to get one. Hindi po ako breadwinner at hindi malaki ang sinasahod at nakakapagabot pa sa parents pero nakakapaglaan parin ako for my insurance. Kahit wala nang pang samgyup at milktea basta may budget for my policy because I always rely on what i need vs on what i want 😁
Hi, I'm a Prulife Financial advisor, if ever you want to get another policy, I can be of help :) send me a pm in fb-Annie Roe Reyes Ballad
Vinvin Casty which company ng life insurance that u think mas ok . Try nga makahabol nga
Hi Vinvin, very good point of view when it comes of protecting yourself and your family. You are a responsible man. Kudos to you! 😊 If you want me to help you, I'm a Licensed Financial Advisor. Please PM me Eloiza Sy in FB. 🌟
Be Financial Literate first (Invest based on your capability (make you sure that you understand)), check your financial capability and commitment and you may do Buy Term Insurance and Invest the Difference(ETF, Stock market, bonds, Pag-ibig MP2). In case you want insurance in a traditional insurance companies( for cash value), get Endowment or whole life insurance with dividend pay(depends on the plan)(max of 5yrs to 10yrs. Payment term) if you have low or sufficient budget. Insurance is mostly protection. I don't recommend RPVUL (Regular pay Variable Unit Linked) insurance especially the continuous pay because many people fell satisfied at First and then the cilent found that he/she is still worried on paying for whole life , the cilent will intend to cancel because of misselling and misrepresentation of a plan by Financial sales people . Before you get and decide on what plan, you may consider thinking first based on your financial capability (long term) and create budget plan for this life insurance. If you have a relative or friend , who is Independent Registered Financial Planner (RFP) (Not biased to Financial companies) or Independent Certified Financial Analyst , pls. Consult with them first.it is better to get insurance plan little bit late as long as you can commit and favor on your financial capability. It's hard to get out on Insurance plan/policy. Not all people are suitable for VUL (Variable Unit Linked) . Pls. Be careful on Financial sales agents who do Bank vs VUL post . (They're going to do misrepresentation) (having a bank is still important especially of emergency in a critical time because of accessibility on atm) thank you very very much
Same here. At the age of 21 may life insurance na ako with living benefits such as critical illness benefit, hospital income benefit and investment component. Next plan ko is kumuha ng focus sa health naman. :) Greatest decision I’ve ever made.
Salamat sir POSITIVE.laking help sa mga kagaya namin nasa mundo ng insurance..mas mapapadali para ipaunawa sa kanila ang insurance😊
I started mine at 21. 😊 The first few months were hard-- I had to budget a lot-- but I got used to it as the time passed. I just psyched myself na ipon ko yun. 😅 I know I will benefit from it in the end.
Retire
RETIRE YOUNG AND RETIRE RICH: Invest and do the right thing. Enroll now sa aking online course HOW TO RETIRE AT 50 for only 799! Go to this link and enrol now: lddy.no/ba9d -25 videos! -Watch it ANYTIME, ANYWHERE. -Watch it over and over again. **For a limited time only, you can access ALL 14 CHINK TV ONLINE COURSES for only P1598! Click here: lddy.no/ba9b
if you want insurance, you may start in micro-insurance(there's also micro-insurance in cebuana lhuillier)(if even small coverage and protection driven -it does matter) pls. Don't overwhelmed on high sum assured from sales agents but high cost fees and charges. You may get savings with insurance at Security bank, BPI Pamana, metrobank (starting P2000 pesos with 100k insurance coverage) and CIMB bank(mobile and easy accessible banking) . If You want to invest and grow your money , you may start to study and to get more information about investing on a cooperatives, bonds, UITF, Mutual funds , Exchange Traded fund (index base), stock market, right way of investing in Cryptocurrency (Bitcoin, XRP, Etherum), having opportunities in real estate and Entrepreneurship and also knowing precious metals such Gold and Silver. Insurance is just option/s of Financial instruments , there are lot of investments (just understand and have knowledge first)(to prevent Investing without understanding and no presence of mind(na goyo-selling ng agent, peer-pressure, hiya factor, too much emotion on investing) don't let yourself drive into agent's emotional selling because it might you give disstress or get distracted (stick to your Financial game plan (too small or big --it is good as you can understand and manage). Main purpose of life insurance is to protect yourself, assets and your loved one.(bonus only of life insurance for cash value and other features). Don't underestimate on buying Micro-insurance (it is only protection and a low value) , on a Buy Term insurance and invest the difference (start a business, stocks, ETF) and on availing bank savings with life insurance. Thank you very much for your time and consideration.
Congrats!!
How?
I'm a single mom kakukuha ko lang ng insurance last Nov.2019,its hard at first dahil sa dmi ng binabayaran ko this time,pero i realized im willing to sacrificed now and enjoy later...😇
I wished i got insurance as soon as i started my job at 21 years old. I had no good financial adviser in my life then..
but now, I got one for my son as soon as he was born. Ayoko matulad siya sa akin na financially illiterate during my teens.
@@liezlmelendres5046 thank you. I want to end the cycle of "not being prepared" within the family. Because parents should not be an "emergency fund" and children should not be treated as an "investment".
And that's the mentality every Filipino should really have.
Congratulations!
Congrats incase you need a financial Advisor Im a Licensed Financial Advisor of Prulife Uk ❤️😊
For God's grace, my health at sa pru life fully paid na. My health is about to matured na. Less worry in the future. More peace, less wrinkles
san po kayo kumuha ng health?
Check your fund value. (Every time)
San po kau kuMuha ng health insurance?
pau free soul hi there ,maybe it’s time for you add another policy from PHIL AM LIFE!😇pls do contact me I will be glad to hear from you! Thank you😇
@@giglabph6946 hi..i am PrulifeUk financial advisor..
Nakaka inspire ka Sir. Very relatable and realistic mga sinasabi mo. Many Filipinos are finding excuses not to save. Glad I made the decision to have an insurance last June 2016. :)
i started wen i was 22 and now im 29...so far soooo goooodddd
Very helpful itong video nyo para sa mga insurance agents. Hehehe. Used to be one pero now I'm in real estate. Malaking tulong pagiging insurance agent ko dati, dami ko nalaman about financial planning kahit basic man lang natutunan ko. haha. Coming from a family na di focused sa financial literacy dun ako nagstart matuto tlga.
Ang maa-advice ko lang din, pag wala pa masyadong pera pwede ka mag-term insurance muna unahin mo n yun, with riders. At least covered na dependents if ever may mangyari. Pag nagkapera ka na ng konti saka ka mag-mutual funds or VUL.
Pero actually ang pinakaimportante sa lahat, alamin nyo muna yung goals and needs mo personally and involving family as well. Dun mo malalaman saan ka magfo-focus to grow your money. Kahit alin unahin mo basta alam mo kung ano yung pinakauunahin at ihuhuli. Ganern. :)
Di pa naman ako expert pero aralin nyo lng mbuti. Hanap hanap lang din kayo ng multiple resources para malaman ano ggwin nyo na swak sa buhay nyo.
Thank you for sharing this kind of topic for every filipino who are not open about it..
Galing ng analogy! So informative and eye opener
Tama ka talaga Sir Chinkee Tan. I saved my money in life insurance for 2 yrs na, talagang importante siya sa buhay ng isang tao sa hinaharap at sa kanyang Pamilya. At ngayon, isa na rin ako financial advisor na nag a advocate ng importansya ng may life insurance sa buhay ng tao, hopefully sa tulong ng video na ito Sir, mas marami pang mga tao ang mamulat sa katotohanan ng pagkakaroon ng life insurance 💖💯 Mabuhay kayo Sir at sa Iyong mga kasama💞💯
Thank sir i already have life insurance with investment or VUL so far okay na man po talaga my insurance any thing happen about you insurance ang karamay mo.
ang bilis ng panahon at ngayong mga 4 years na rin ako sa insular life this year.
thank u so much
thanks sir Chinkee for sharing this :-) dapat talaga mabago ang thinking nating mga pilipino about life insurance :-) I'm a proud Pru Life UK advisor.
As a financial advisor, ito ang halos palagi naririnig ko hahaha. Ieexplain ko talaga sa kanila. Thank you!
Thank you Sir!
Have this video shared and will definitely share pa 😊
God bless you & your Family
Welcome
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
Thank you for this wonderful video about life insurance. I hope ma enlighten na yung maraming Filipino.
God bless Sir Chinkee😊
Philippine insurance sounds like not secured! What happened to educational plan of CAP that went bankrupt?
Sky Insky dyan nag invest yung kapatid ng husband ko walang nakuha.Sundalo sila.
Sky Insky Cap is not a life insurance company it is a Preneed company po. Only in the Phils.
Wala pong life insurance company na nagsara. I suggest get insurance sa mga Top companies like Manulife po. 113years in the Phils, international company. Originated in Canada.
I can discuss this further po sanyo. We can do financial planning din po for Free. Salamat😊
Thank you sir chinkee tan for enlighten us about insurance lalo na sa panahon ngyn d mo mssbi ung mangyyri bukas. Kya nung nging ofw ako dun ako kumuha ng insurance den nung umuwi ako kumuha ako nung 30yo and until now paying pa rin at malapit na matpos. And ngexam na rin ako sa sunlife para mging advisor and gusto k ishare sa iba at mkatulong sa mga may gustong mginvest sa insurance..
Napakagandang topic. Thank you Sir Chinkee! Sa mga taga Quezon Province na gusto kumuha Life Insurance pm nyo po ako for appointment. 😊
I just signed my insurance last year. Nagmamahal sya habang tumatanda ka. That’s true.
Congrats! Keep focused
Kuha kayo ng mp2
Im glad that I found this video, more power!
Be protected and secured sir. PM for FREE Financial Consultation. 📩❤️
Licensed Financial Advisor po here and a Fan po ni sir Chinkee Tan…
Thank you sir Chinkee for helping us financial advisors in opening the minds of every Pinoy about Life Insurance.
This video is an EYE OPENER! Thank you po.
I got mine at the age of 21, now I'm 22. At first i'm very hesitant but when my Financial advisor told me these things and gave me some tips for my future. Then I decided to get mine as soon as possible before I turned 22 last yr. So far so Good, I know i'm in the right path for my future. And Thank God for giving me this opportunity. God Bless you all.
I shared ur video 2 my friends/clients to learning about ur channel how 2 save at early age
Got mine last December 2019 yearly 231,000 I want to have 5M at age of 60 with critical illness up to age 100 and insured 1M. Sunlife insurance
Sa kanya aq na inspire maging financial advisor. You inspire me to become a financial advisor that's why I owe it to you sir. Godbless!
Keep it up
Hindi rin ako nagbebenta ng life insurance pero lagi akong nag a advice sa mga friends ko na kumuha sila because they really need it
Edi nagbebenta ka nga...hypocrite
Mary rose Caringal it’s good that you’re helping spread financial literacy.👌🏻
@@philsmith9412 tanga ka o bobo hahahahah liit ng utak mo tol hahahahaha
Good thing yan. Baka gusto mo dn iturn into passion especially your helping us. You can contact me at 09063224561. Helping begets helping :)
Thank you for enligtening many Filipinos about Insurance. I'm a Licensed Financial Advisor from Pru Life Uk. Let me help you in your finances. 🌟
Thank you for your help and guidance about insurance to know what is best for all
Thank you sir for this informative and helpful video.
Good thing I already have one. Salamat po, Sir Chinkee.
Congrats!
Thank you sir mas na enlighten na ako lalo about getting life insurance. Will definitely get a life insurance na talaga kasi i will need it in the near future. Thank you so much sir!
laysclassic im Financial Advisor of Manulife, just in case pwede kita tulungan about your protection🙂 Thank you
look for the best company and choose the best financial advisor that you will be comfortable to talk about your finances. it will be a ig help in the long run :) trust me
Yes tama talaga!
Proud philam life advisor here and advocate of securing future
Thank You po Mr. Chinkee Tan👏👏👏❤️❤️❤️
Adulting be like, "Okay, I need to know these things." New subscriber here sir Tan! Just less than an hour watching your videos and I already learned a LOT! Thank you sir Tan! Happy New Year po! 😃
I actually open minded about this, at first i dont like life insurance because for me what is thè purpose? I am still alive i can saved.
I am 31 years old today.
And i am happy that i am secured with bpi philam life insurance. I am so happy thanku coach
You are Awesome. You are telling the truth. I bought my life insurance when I was younger. It's paid now and still putting money for going to Debi dent.
Bagong subscriber nyo lng ako pero dami kong natutunan sa mga sinabi nyo. 10 video nyo yata ang napanood ko ngayong araw puro tama naman ang mga sinabi nyo. Yon po ay sarili kong opinyon
Insurance is the least priority ng marami, yung iba natatakot na baka magsara pero what if kung mas nauna ka pa mawala sa mundo kaysa sa company ng insurance?
if you want insurance, you may start in micro-insurance(there's also micro-insurance in cebuana lhuillier)(if even small coverage and protection driven -it does matter) pls. Don't overwhelmed on high sum assured from sales agents but high cost fees and charges. You may get bank savings with insurance at Security bank, BPI Pamana, metrobank (starting P2000 pesos with 100k insurance coverage) and CIMB bank(mobile and easy accessible banking) . If You want to invest and grow your money , you may start to study and to get more information about investing on a cooperatives, bonds, UITF, Mutual funds , Exchange Traded fund (index base), stock market, right way of investing in Cryptocurrency (Bitcoin, XRP, Etherum), having opportunities in real estate and Entrepreneurship and also knowing precious metals such Gold and Silver. Insurance is just options of Financial instruments , there are lot of investments (just understand and have knowledge first)(to prevent Investing without understanding and no presence of mind(na goyo-selling ng agent, peer-pressure, hiya factor, too much emotion on investing) don't let yourself drive into agent's emotional selling because it might you give disstress or get distracted (stick to your Financial game plan (too small or big --it is good as you can understand and manage). Thank you very much for your time and consideration.
Hahaha 😅
Kung mauna man kaming mawala kesa magsara ang insurance, okay lang. Pwede naman mag invest sa ibang bagay. Me ibang paraan nmn para mapaghandaan ang future. Hndi lang yang insurance na pinagkakakitaan lang ang tao
@@TeacherWeng galet na galet gustong manaket😂😂😂
Teacher Weng I think it will be better for the person to know the company first before getting or committing into any insurance po.
There are more prevalent sickness today that kills the younger generation compared to before. I know that because I am a life insurance agent. I hope people takes care of their health and their finances better.
It's good to invest but check always the status of your life insurance plan and/or proposal. It might required you to pay continuously unless you will get the SPVUL (Special VUL) (one time pay) because it requires you 1 time although quiet expensive at least lesser fees and cover the charges for whole life and also Regular Pay VUL has cost more charges but looks deceiving because of the proposal shown by Financial sales people. You may also try bank savings with life insurance included (protection only but it's no cost to secure) like CIMB, BPI pamana account, Security Bank. Always check the fund value of your plan. Thank you very very much
Thank you for this sir Chinkee. da best. im a financial advisor. ill just send this link to my prospect clients.
Thank you SIR for this sharing ❤❤❤
This is one of my goals last 2019. I made sure to apply for one. And now i have life insurance and am planning to get another one. Thank you for this very helpful vid sir chinkee.
Yes correct, I also do that, planning and make sure to have 1 last year, and i did it,
Ako din na goal ko tlga makakuha last year and planning on adding another one this year
Congrats!!!
Hello Jheca, pwede nyo po ako icontact if gusto nyo po kumuha ng insurance. Financial advisor po ako sa Philam Life. Madami po ako pwede i offer na fit sa budget and lifestyle nyo. Thanks :)
@@genesiswu2282 hello may friend kaba na pwd mo e reto sa akin Cebu base
Interested kasi ako
Maganda Yung may assurance kana SA langit may insurance pa sa lupa di hayahay Ang buhay
Cleo Roxas I agree Ptr Cleo
Gusto ko ito pastor! Assurance in heaven. Insurance in Earth
Very informative! Thank you.
The vedio is so informative. And I think I need to get one. Salamat po.👍🏼
I got mine when I was 20, dahil sa payo ng cost accounting professor ko na dapat kumuha ng insurance na bata pa para mura ang premium.
RC Dy 👍 how about getting another plan from PhilAm life..I would be glad to hear from you ! Thanx
My two year old daughter kinunan na namin ng life insurance, I agree sa sabi mo the earlier you buy the cheaper it becomes. Lahat kmi my insurance, honestly tatlo yung life insurance ko ibat ibang company.
Be Financial Literate first (Invest based on your capability (make you sure that you understand)), check your financial capability and commitment and you may do Buy Term Insurance and Invest the Difference(ETF, Stock market, bonds, Pag-ibig MP2). In case you want insurance in a traditional insurance companies( for cash value), get Endowment or whole life insurance with dividend pay(depends on the plan)(max of 5yrs to 10yrs. Payment term) if you have low or sufficient budget. Insurance is mostly protection. I don't recommend RPVUL (Regular pay Variable Unit Linked) insurance especially the continuous pay because many people fell satisfied at First and then the cilent found that he/she is still worried on paying for whole life , the cilent will intend to cancel because of misselling and misrepresentation of a plan by Financial sales people . Before you get and decide on what plan, you may consider thinking first based on your financial capability (long term) and create budget plan for this life insurance. If you have a relative or friend , who is Independent Registered Financial Planner (RFP) (Not biased to Financial companies) or Independent Certified Financial Analyst , pls. Consult with them first.it is better to get insurance plan little bit late as long as you can commit and favor on your financial capability. It's hard to get out on Insurance plan/policy. Not all people are suitable for VUL (Variable Unit Linked) .For VUL Purpose, it is best on SPVUL (Single-Pay VUL) because it is one time to pay and almost covers your payment and insurance coverage) and less hassle on payment because 1-time to pay(it's large starting 100000+ to millions but at least, worries on payment (actually looks expensive but cheaper on the long term) (VUL has mostly zero/low value on your first year because it goes mostly insurance protection and some fees to admin fee , marketing fee, agent's commission, tax, fund manager's fee). Pls. Be careful on Financial sales agents who do Bank vs VUL post . (They're going to do misrepresentation) (having a bank is still important especially of emergency in a critical time because of accessibility on atm) thank you very very much
Wow sana all
@@truytayaba2415 you hit the money on this one. Hindi lahat suitable for VUL
Thank you, Sir. This is worth sharing.
I'm interested Chicky thank you so much to teach us how important to learn & have a protection plan.Retire @ 50.God bless!
RETIRE YOUNG AND RETIRE RICH: Invest and do the right thing. Enroll now sa aking online course HOW TO RETIRE AT 50 by going to this link: lddy.no/ba9d for only P799! -25 videos! -Watch it ANYTIME, ANYWHERE. -Watch it over and over again. **For a limited time only, you can access ALL 9 CHINK TV ONLINE COURSES for only P1598! Click here: bit.ly/2F9SOyr .
Number one we need is financial education
Madam advice ko wag kang maniwala sa mga insurance experience ko sa (CAP) 1992 kumuha ako hanggang ngayon matagal na graduate ang anak ko ni singkong duling wala bumalik
Nathanael Urbi CAP has been proven a scam, I cannot blame you on that, I had that too and same experience, but it doesn’t mean you and I cannot be educated in the industry, we need to learn and understand why, the company (CAP), and agents weren’t trained to execute their integrity and professionalism. My advice to you is to educate yourself. My faith and belief in insurance industry is growing kasi pinag aaralan ko po and here in US, it is highly regulated my federal and the state. I chose to educate myself so I cannot be fooled anymore, so I can retire early, and help a lot of people. Advsing people like what you advised me doesn’t make me educated and professional. I prefer to grow my wisdom than expose ignorance, and impart what I learned.
Prudential insurance ako. Graduate na ako 7 years ago pero nakuha ko 1k lang bwsit.
LuFfy D. Monkey you need to find out why. Prudential company is one of the reputable company. If you don’t educate yourself you’ll never find out. you’ll never understand
Should have used 'myth' instead of 'lie' wala lang. Hehe!
Everything said here is so true!! 💜
Veronica Aura 👍🏻
Yes
Thank you po ganyan na ganyan yung mga gusto naming sabihin sa mga Client namin 🔆😊
salamat po sir, God bless and more power to you!
It is not a lie, but the truth about buying life insurance. When you're still young you only worry about yourself. You don't have enough money earned to buy insurance from your low starting wage. You have no family to protect when you die. If you are married, and your marriage is in trouble, you might be in a dangerous situation, you what I mean!
The rich becomes rich because they also protect their income and they also have rich mindset. The poor becomes more poor because of poor mindset.
Licensed F.A here po sir Chinkee 😊 and a newbie subscriber nyo po . Nkakainspire po kayo . Galing galing! ♥ Im doing vlogs din po bout Protection money. Sana maging ganyan kagaling din po ako sa pag eexplain like you po. Godbless you more po ❤
Thanks for the very informative video about insurance.
Your Sunlife Licensed Financial Advisor willing to arrange your finances.
Kahit mahirap lang me but priority ko ung insurance ko dbale na wala akong ipon bsta my insurance. Na kht maubos ung pera ko atleast alam ko my pupuntahan na mabuti ung pera in future kc di nten alam kung hnggang saan at hnggang kelan tau mbbuhay ayoko mghirap ung family ko kc breadwinner me yan naisip ko nung knuha ko ung insurance ko sa Bank. Naranasan ko kc yung hirap na namatayan kme ng tatay na sobrang walang wala kme at baon pa sa utang un yung ngtulak saken na bumili ng insurance (practical decision para saken) at salamat sa video n ito dahil di ako ngkamali sa desisyon kung yun. i have my insurance policy at the age of 25 almost 2 years nq sa hinuhulogan ko. Sobrang bilis ng panhon parang last month lang aq ng start mghulog! At ang magnda pa sa nkuha q na insurance kumita sya ng almost 30% dun sa yearly ko na policy payment. Thank u Mr.Chink for this video!
Congrats! Correct
Pwede ko po ba ito share sa page ko? Permission to post po.
The Breadwinner's Journey
Madali limits mahirap mag claim tapos magsasara kawawa ka Lang sa tagal mo naghuhulog sa isang iglap magsasara. My iindrose ka Lang na insurance. Maniwala ako sau loko
@@judyanngodoy1371 that's why , humanap ka ng company na stable at ng ahente mo na di ka tatakbuhan at uutuin lang.
LCB Marygrace Moreno Correct!
Hi
Good day
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para kapag meron po ako video ay manonotify po kayo.
Happy New year to you and to your family!
Thank you
very informative thank you sir 😀
Di ako sure if I made the right decision of buying insurance - thanks for validating my decision
Same here
Congrats :)
It's good but check always the status of your life insurance plan.It might required you to pay continuously unless you're get the SPVUL (Special VUL) (one time pay) because it requires you 1 time although quiet expensive at least lesser fees and cover the charges for whole life and also Regular Pay VUL has cost more charges but looks deceiving because of the proposal shown by Financial sales people. You may also try bank savings with life insurance included (protection only but it's no cost to secure) like CIMB, BPI pamana account, Security Bank. Always check the fund value of your plan. Thank you very very much
I have insurance and im proud a IMG member
Okey po ba ang IMG ? Nag apply na kc ako maam last month with my cousin my doubt Lang ng kunti Coz it’s my first time .
I'm learning a lot from you, Sir. One of the reasons why I have insurances from Sunlife and Kaiser 😊
Talking about Insurance? SUBSCRIBED! 😊
I was thinking getting an insurance policy today then boom! TH-cam recommended this! Oh my, pati utak ko na detect ng algorithm ni YT. :D
Great to hear your good plan sir. :) stay safe!
Free financial consulation here! 🤗
Galing tlaga ni bitoy mag payo.
thank you po sir..thanks mayron na kaming philam ng anak ko...
Thank you sir Chinkee! Sun Life advisor here 😊
May add lang po ako sa Diary ng Pulubi... Luho Aso now Pulubi later, marami akong nakikitang nagpapakain ng aso na mamahalin dog and cats product naghahalaga ng 2k pataas dog food and accessories.
Good afternoon! I hope you're doing great.
Are you interested to start your investment and have your life and health protection coverage with 🔵AXA🔵?
LICENSED FINANCIAL ADVISOR FROM TRINOMA. QUEZON CITY DOING ONE ON ONE FINANCIAL COACHING!
please contact me
lovelyjanesingson@gmail.com
I want na mag eenjoy nalang in the future. Preparing for the worst, may nakalaan talaga na budget for my insurance.
Paano mo ma enjoy kung bago ka magretire bankrupt na ang kumpanya experience ko lang
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@@nathanaelurbi3034 Mag invest ka sa government-offered insurances. Wag sa private. Kahit na reputable pa yan. Gobyerno lang ang di nalulugi kac foreber ang gobyerno.
@@nathanaelurbi3034 Pre-need companies are not the same as insurance company.
Pwede kayo mag-basa basa ng update about insurance dito sa www.insurance.gov.ph
May supervision na po ng government ang insurance companies which is the insurance commission.
Sir thank you sa info. Buti na lang pinilit ako ni mama kumuha ng life insurance. Sobrang hirap sa umpisa lalo na magbudget pero ngayon sanay na. Hindi na masakit sa bulsa. Godbless po sir.
Sir Chinks, dapat po siguro "Myth about life insurance". Nabasa ko title kala ko about lie of insurance matters like VUL or commisions related.
But still its a great content. I agree that insurance should be a necessity for all Pinoys. More power po!
Yes thats true..habang bata pa kumuha na ng life insurance kc mura pa..i got my term insurance at the age of 28... it was a good decision until now...
Hi...may i know po kung anong insurance company ang best choice at papano po makakuha nun? Salamat
@@dinafrancedao6114 hello din po...dito po kc kami sa Canada.. meron din jan sa Pinas na Sunlife insurance...ung sa amin dito Is Primerica.. kinuha ko lang is term insurance for 30 years but much better if you are still young 35years para by that time before matapos ung term may ipon ka na and may retirement benefits ka na din..
Congrats!
@@dinafrancedao6114 Good afternoon! I hope you're doing great.
Are you interested to start your investment and have your life and health protection coverage with 🔵AXA?🔵 TOP INSURANCE COMPANY IN THE PHILIPPINES. YOU CAN DO A RESEARCH MAAM 😄
LICENSED FINANCIAL ADVISOR FROM TRINOMA. QUEZON CITY DOING ONE ON ONE FINANCIAL COACHING!
please contact me
lovelyjanesingson@gmail.com
@@dinafrancedao6114 Hi, financial advisor from Sunlife here. Sunlife is longest and #1 insurance company in the PHILIPPINES, we are not claiming the world but only in the philippines. You might want to check our products and have a proper discussion via mail. Just message me at rafaelrenzolee@gmail.com. :)
Glad that I didn't think twice getting myself an insurance from Prulife..
Asta Lavista it’s always nice to see intelligent people understanding the value of insurance or insurance with investments. 👌🏻
Hi,Mr Chinkee Tan watching your blog about money saving
I'm an ofw for 5 years with no savings,I dedicated my time in the ministry medyu sensitibong usapin of course money was involved here,I left 2 years ago kc narealized ko wlang wla ako how can I give if I don't have,matagal ko na nkikita blog mo sa TH-cam dko lng pinapanood ngyun ko lng pinapanood medyu nainspire ako so now tlagang ipon ang goal ko binabalikan ko yung limang taon sayang!
Sana gawa ka yung blog about sa Religious vs reality marami matataaman Jan
May you inspire more viewers
God bless for your effort
Retire
Hello Mr. Chink Positive. Can you create a video for the Top 10 Life Insurance here in the Philippines if possible. Thank you in advance.
Kailangan natin sya. Pero madaming insurance company ang nalulugi at nagsasara kung kailan natapos mo ng bayadan ung insurance mo. Wala kang kahabol habol.
Hi Teacher Weng! kung mangayari man po na magsara ang Insurance company you can appeal with Insurance Commission. IC po is the one who is protecting the insured 😀
@@growingrichph6968 pero napakalaking abala at magpapabalik balik ka para sa perang pinaghirapan mo. Maige po sana kung 100% ng naihulog mo ay maibabalik.
@@TeacherWeng wala pa pong nagsasarang Life Insurance Company sa Philippines 😉😉😉
@@juancarloosorio6712 sure ka??? Eh ang dami na sa amin ang nabudol budol ng ganyan.
@@TeacherWeng anong company po madam? 😊
Insurance is a zero sum game meaning, if 100 people got an insurance and 30 people claimed something, the other 70 will pay for the 30. Basically if a client gained something, another client loses something. PALUWAGAN din siya. It is not a win-win all business model. Some are guaranteed to lose money as someone benefits. Ever wonder why most insurance are pushed to young people because they are less likely to claim anything early. Less claims = More money for insurance companies to keep. Only a handful truly benefits from the money they put in. Much better na maaga ka mag aggressive mag invest sa stock market (Index fund: PSEI), direct to brokers. The gains from the investment will not only equal the insurance promise of gains but even exceed it. Plus money is liquid (no claiming needed, withdrawable money) if you invest it minus the complexity of claiming requirements of insurance. Insurance is not a need as they preach, it's an option. Focus on wealth building first.
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Thank you! Good thing a have paying 3 variable insurance from AXA, PHILAMLIFE, and FWD.
Sir, you might want to consider Sunlife din. 😊
This is so true. Unfortunately, the reality is para sa isang mahirap na pamilya, tipong isang kahid isang tuka, hindi realistic para sa kanila ang life insurance.
I'm Insured na yehey sana I done this earlier. But atleast better late than neverrr haha
I'm thankful po at the age of 26 I started my life insurance
13,685 pesos yearly. 10years to pay lngcxa. yung binababayaran ko 1,100+ lng monthly ko. now 5years naako naghuhulog and good news recently lng inutusan ko sister ko to update my insurance status sa bank ofw ako diko macheck sabi is allow na akung magloan anytime 😇😇 God is so good...masaya ako kc mga siblings ko beneficiary ko if anytime maymangyari saakin I'm sure makakapagsimula cla at maymagagamit cla ...I'm very independent person since I'm very young until now I'm 30 ...honestly as independent person ang dami ko natutunan sa buhay na diko natutunan sa family ko ,at now a days napaka dali matutu kc maraming mga motivator like you sir chink your one of the person I've always watching here abroad
And its really helpful mga thoughts niyopo Godbless you more☝☝☝🙏🙏🙏🙏👏👏👋👋👋💪💪💪
Swerte po ng mga siblings nyo sau.🤗
@@coachnursececille Thanks po ma'am yap...Godbless to us
Hi . just check fund value of your plan. Keep in mind, there are fees like fund manager's fee, admin fee, policy fee, commission (agent fee),cost of underwriting and more. It is good to hear from you that you're insured but monitor your plan/policy. Thank you very very much
I see myself in you. I am also very independent person and I always strive for educating myself
Marami akong natututunan na hindi ko natutunan sa family ko.
My family have deeply rooted poor mindset.
Don't forget be careful on what you invest in. Make sure you really understand it. Thank you very very much
Just watched this video in a right time. I was hesitant to get a life insurance for my mom. I don't have mine yet tho as I'm an OFW and I don't want to risk signing the agreement form electronically. But that's one thing I will do first for sure once I get home. And by the way, I'm the bread winner of our fam and I'm inspired with all of your videos Sir Chinkee. I already started my own small humble business here in Malaysia and I can say that all the "pagod" are worth it. 🥰 By God's grace, I'm now about to start my dream house early this 2021 and I know I can achieve more. 🙏🏻 I'm just 26 years old.
That's my thought before sir but when my big sister was on her death bed and all her saving and money was used on her hospitalisation,,I realized one thing.,I need life insurance.Thank God,a relatives came to visit my sister and mentioned about life insurance and they are an agent,from that moment,Kumuha aq Ng life insurance ko. That was when I was 30 years old,in few months ,matatapos ko na Yong premium ko,Kaya Kumuha ulit aq Ng isang insurance which is purely investment.
Its all about changing our mindset about life insurance.Thank you sir Chinkee.
Insurance is very good but just be careful in choosing the right company. My children graduated using the Educational Plan i got at PHILAMLIFE. Every semester they payed their tuition fees and had a cash for college graduation gift. It was one of the best comfort time of my life. Some of my relatives and friends invested in other insurance companies but got closed.
Mam how can I find philamlife insurance
Advice po
When I was young, I remember what happened to my father's insurance...it was not clearly explained to him..that eventually made my parents lose their trust in insurance companies.
What happened po? 😢
@@exmrsnowwomanscorned8369 that time kasi bata pa ako...tapos nagkasakit father ko..wala syang nakuha sa insurance...From then on, parang Di maganda ang impression ko about insurance
@@CecileCasanova that's a very sad experience😞😞😞. Sadly, i think most insurance agents noon are just in it for the money and not really concerned about their clients.
same po sakin..
parang parents ko dn.... wag daw ako mg insurance kc naloko sila... pati nga yng mga educational plan eh
I've learned a lot sir. Thank you!
You're welcome
God bless
salamat po sa pag clarify as of my age 24 nagkuha na po ako life insurance
Dapat importante na alamin kung anong covered
Agree
I was only 21 years old when I got my Life insurance with Manulife. Believe me iba ang feeling kapag alam mong secured ka na kung anytime may mangyari sayo alam mong may maiiwan sa family mo. 😊 I'm currently investing in real estate as well pero I still manage to save money. It's not easy pero kailangan kayanin. 💪🙏🏼
Thank you sir Chinkee for being an inspiration! 😊
Maam wala po kasi ako idea sa life insurance isang beses lng po ba maghuhulog o buwan buwan ka maghuhulog
Same here po. My parents encouraged me to get one at 18 yrs old in Canada, and they were in their early 40's when we moved here. Good thing another kababayan educated us properly about it. We bought a permanent life payeable in 20 yrs. I can only imagine the astronomical costs should we get one now, I'm nearly in my 40's and my parents are both in early 60's now.
@@reynanlaurio3490 sir, tga san po kayo? im a life insurance agent here in manila. maybe i can assist you po.
@@reynanlaurio3490 Hi, I can help you with your concerns 🙂 I'm a licensed financial advisor of Pru Life UK ❤
Makukuha mo ba ung pera after mo magbayad for example after 10 years?
Thank you, Sir!
Thanks for sharing Idol;)God bless po!!!