22/08/2021
Yes, financial advisers are drivers of Financial Literacy but this is not about 'Basta F* Adviser, sweet lover."
I've compiled 6 reasons para malaman mong nasa tamang policy ka na.
๐. ๐๐จ๐ฎ ๐ฅ๐๐๐ซ๐ง ๐ญ๐จ ๐ฉ๐ซ๐จ๐ญ๐๐๐ญ.
Protection and security is the core value of insurance. Nandyan lang siya parati, nakaabang sa oras ng iyong kagipitan (na stipulated sa contract)
๐Nabasa mo ba yung contract mo? Start there. Wag kang manghihingi ng wala sa napag-usapan. Or paexplain mo kay FA.
๐. ๐๐จ๐ฎ ๐ฅ๐๐๐ซ๐ง ๐ญ๐จ ๐ฌ๐๐ญ ๐ฒ๐จ๐ฎ๐ซ ๐ ๐จ๐๐ฅ๐ฌ.
"Mature na 'ko mag-isip dahil SMART ako." Di ito CLOY commercial pero di ka dapat go with the flow at kung san na lang babagsak. Kailangan meron kang Specific, Measurable, Attainable, Realistic, and Timely goals.
๐Alam mo hanggang kailan ka magbabayad kung limited pay.
๐What are non-forfeiture options maliban sa policy surrender?
๐. ๐๐จ๐ฎ ๐ฏ๐ข๐ฌ๐ฎ๐๐ฅ๐ข๐ณ๐ ๐ ๐๐ฎ๐ญ๐ฎ๐ซ๐ ๐ฐ๐ข๐ญ๐ก ๐ญ๐ก๐๐ฆ.
Maliban sa second reason, you can enjoy today, and have a planned enjoyable future ahead of you. Kasi protected ka.
๐Insurances give you guaranteed bonuses (Traditional) and Variable ones (VUL) na maari mong magamit partly for retirement. Know how much you expect (in Php or %) and how to be entitled to it.
๐. ๐๐จ๐ฎ ๐ฅ๐จ๐ฏ๐ ๐ญ๐ก๐ ๐ฅ๐ข๐ญ๐ญ๐ฅ๐ ๐ญ๐ก๐ข๐ง๐ ๐ฌ.
Marami nang magpapaligaya sayo maliban sa ngiti nya.
๐Nabasa mo yung 4% illustrative values kaya alam mo kung sustainable policy mo if ever mag premium holiday ka.
๐10% is a legal illustration, but set your expectation using the lower returns.
๐. ๐๐๐ซ๐ฎ๐ง๐จ๐ง๐ ๐ค๐ ๐ง๐๐ง๐ ๐ฆ๐๐ ๐๐ฎ๐๐ ๐๐ญ.
Dahil within budget ang insurance policy mo (DAPAT!), magiging money-smart ka dahil may significant portion ng cash influx mo ang napupunta rito. Mahahawa yan at magbabudget ka talaga pramis.
Also, alam mo rin paano nakabudget yung premiums mo
๐ Naexplain sayo yung Charges,
๐ What funds are they invested in?
๐ May fund fact sheet ka ba na makikita mo annualized returns? chart and market performance?
๐. ๐๐ฅ๐๐ฆ ๐ฆ๐จ ๐๐ง๐ ๐ฐ๐จ๐ซ๐ญ๐ก ๐ฆ๐จ.
You've set boundaries as an individual. You know yourself more, alam mo magkano kailangan mo, etc.
๐Kasi prerequisite yan bago ka kumuha ng insurance policy hindi yung na-salestalk ka lang.
๐ Tsaka conservative ka ba? Pero bakit nasa aggressive funds ka nilagay?
Sige, matulog ka na.
Walang claims sa insomnia.