PRUwife Advice

23/08/2021

MEGA ang VUL kaya bago ka mag-cancel, mag research muna.

Bakit mega ang VUL?

1. A client can get a million worth of basic cover in less than P1,500/month in VUL. The gentleman on this picture purposely shows sum assured(VUL) of less than P300k with high premium on his facebook contents as if VUL can only provide such range of coverage to obviously manipulate the minds of the public. Clearly misleading and misinforming the people. Even my own clients can't relate to his sample videos because they are enjoying a multi-million peso worth of coverage! Hindi man para sa iba ang VUL plan, hindi ito nangangahulugang hindi na ito para sa lahat. Each insurance product has its own purpose. So yes, VUL offers low premium plan without sacrificing the coverage. Don't quickly judge the insurance product by its cover, so to speak.

2. Most agents are commission-based. Walang fixed-salary. Ipagkakait pa ba ang commission sa kanila. If they're earning big, it's because of their dedication. It is a lucrative career but involves constant hustling and many instances of rejection before a sale is ever made. It is a tough-field. Hindi malaki ang komisyon ng mga ahente, marami silang kliyente kaya lumalaki ang komisyon nila. 'Yun talaga 'yon. After all, it is a service that needs fees. A lifetime noble service.

And to ask people kung "nabudol na ba sila ng VUL" is an outright disrespect to all hardworking and dedicated Financial Advisors/Insurance Agents and to the insurance industry as a whole. It is tantamount to saying agents are fraudsters and that they practice fraudulent activities. This is so wrong in so many levels. I couldn't believe a self-confessed financial guru can spit those words.

3. Tulad ng simpleng karinderya sa kanto, kailangan mong magbayad pagkatapos mong kumain para tuloy-tuloy ang operasyon nito at dahil may serbisyo kang natanggap mula rito. Same logic applies, charges are meant to keep the company, employees, and policies alive. And these investment-linked insurance charges are nothing compare to the benefits our clients will eventually get.

If you want a thorough understanding about VUL, please consult your trusted insurance agent.

Hindi nega ang VUL. Kundi mega. Mega sa protection, mega sa investment. 😊

❤

07/08/2021

Pag-isipan ninyo munang mabuti bago kayo magdesisyon lalo na sa usaping pagpapamilya. Hindi biro ang magkaanak at magtaguyod ng pamilya. Kung binata o dalaga ka at hindi sapat ang kinikita mo para sustentuhan ang iyong mga pangangailangan, huwag ka ng mandamay pa. Unahing maging responsable muna sa iyong sarili.



Credits: Redefining Filipinos

16/07/2021

Don't worry about things you can't control.

13/07/2021

Madalas mo bang naitatanong sa sarili mo kung bakit hindi ka nakakaipon? Bakit kahit anong sipag mo sa pag-overtime sa trabaho para madagdagan ang iyong income ay parang walang nangyayari. Baka naman kasi isa ka sa madaming tao sa mundo na tuwing sweldo ay SHOPPING DITO, SHOPPING DOON, WEEKLY SAMGYUP AT UNLI MILKTEA OR MADALAS LAMAN NG MAMAHALING COFFEE SHOPS.

Sir, Madam...Change your habits na. Follow this Smart Money Tips para mabilis makaipon at siguraduhing protected ang iyong sarili. Stay woke, not broke!😉

11/07/2021

I've been asked this many times: "Sanjay, should I be saving money for my kid's education? What are the different types of products I could use?”

Well, your childrens' education is something that has to be paid for. Understand that there are 2 possible outcomes:

1️⃣ You start saving now, earn some money on it and use it for their education.
2️⃣ Your kids will take a loan, borrow the money and then pay interest on that borrowing.

So, the question is: “Do you save for it or not?”

The most logical answer is: YES, you should start saving for it! If there is a shortfall, we can borrow a little bit to cover that shortfall, but YES, you should be saving money for it.

Make sure that the education plan provides you insurance coverage. You see, as a parent, when you are saving money for your child's education, if something happens to you, that saving immediately stops. There is no money there for them to be able to say: "This is money for my education".

So, make sure that your child education plan includes insurance benefits as well. As a parent, if something happens to you in this case, the children are still protected.

In general, the purpose of saving money for your kid’s education is:

✅ Making sure that they can CHOOSE where they study.
✅ You have given them the option to design their life.

If you can make these 2 things happen, you as a parent have done your duties.😉

If you are a client reading this, do spend some time today with your financial advisor to find out the best options for you to ensure your children’s education is fulfilled!🙌

09/07/2021

07/07/2021

Mare at Pare, ang daming affordable na insurance. Kailan pa kayo magiging ready?

04/07/2021

Like & Share if you agree.

17/06/2021

Sana all talaga 🥰

𝗜𝗸𝗮𝘄, 𝗸𝗮𝗶𝗹𝗮𝗻?
Let's schedule a free financial assessment and learn how we can tailor fit an affordable coverage option for you.

𝗟𝗘𝗧'𝗦 𝗧𝗔𝗟𝗞.
Apple Malapascua-Sangoyo
Licensed Financial Advisor, Pru Life U.K.

11/06/2021

Let's schedule a free financial assessment and learn how we can tailor fit an affordable coverage option for you.

𝗟𝗘𝗧'𝗦 𝗧𝗔𝗟𝗞.

Apple Malapascua-Sangoyo
Licensed Financial Advisor, Pru Life U.K.

09/06/2021

Hindi lang tao ang nagmamahal, LIFE INSURANCE din. Kaya while young & healthy, get an Insurance Policy.

31/05/2021

Work with the #1 LIFE INSURANCE COMPANY in the Philippines!
Message me to know more.