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04/07/2024

No matter the weather, Allianz Well!’s comprehensive and all-around coverage will protect your health! ️💙

06/06/2024

Do you have P1,000,000?

Let's say that you do. Do you want to use that P1,000,000 to pay for hospital bills?
If you ask me, ayoko. But if placed in a position where I have to do it, assuming that I don't have insurance, I will.

Now, what if you don't have P1,000,000? How will you pay for your hospital bills?
I've asked this to over a thousand people already. And they always say the same things and follow this order:
✅ Ubusin ipon, kung meron man.
✅ Ubusin ipon ng family, kung meron man.
✅ Mangutang sa relatives, kung may mauutang man.
✅ Magbenta ng gamit at ariarian, kung may bibili.
✅ Magpost sa Facebook at humingi ng donations.

Then I ask them...
"What if there's a way para hindi mo siya kailangang gawin?"
Of course they get excited.
Then I show them that they need to pay around P1,500 to P5,000 a month depending on their age and gender. Ayun, magsisilabasan na ang...
❎ Ay, di ko naman yan priority.
❎ Marami pa kaming gastos ngayon eh.
❎ Ahhh... ok lang, di naman ako magkakasakit. Wag muna.

Okay. I stop there. After running all possible scenarios, if someone doesn't want to avail, I don't push for it too much anymore.
Pero ilan sa kanila ang bumabalik sa akin pag nasa ganung sitwasyon na?

Marami.

And how many of them get benefits when there's already a need for it?

ZERO. WALA. NADA.

You can't get life insurance when you need it already. You can only get it when you don't need it yet, hoping you won't need it ever.

(NOTE: Before I proceed, just a quick disclaimer that the sample below is just that - a sample. If you're an agent, please don't use my comment section to sell. TY!)

Let's say you're young and your policy costs P2,500 a month.
For P2,500, you will get:
📌 P600,000 in wealth inheritance (for your family)
📌 P2,000,000 in critical illness benefits (to be paid for hospital bills)
📌 P2,000,000 worth of other benefits

Let's compute!

So, you're paying P2,500 / month for a total of P4,000,000 in benefits, right?
If you pay, for example, from age 25 to 65, you will pay a total of P1,200,000. Your benefits? P4,000,000.
If you pay, for example, from age 25 to 40, you will pay a total of P450,000. Your benefits? Still P4,000,000.

If you don't get one and place the money in the bank instead for 3 years, you will get to save P90,000.
If you need P1,000,000, congrats! You can now wipe out your savings of P90,000 and find the remaining money somewhere else. Hirap noh? 😅

If you can't imagine doing it for yourself, then imagine mo na lang doing it for your car.
If you have car insurance, the company will shoulder the expenses for car damages.
If you have life insurance, the company will shoulder the expenses for your personal finance damages.
That's it.
Insurance simply protects your money. Simple. Wag na nating gawing komplikado.
——
Ctto. Nomad Finance Girl

Pm me for free consultation and free quotation

Keanu Cezar Villaruel
Financial Advisor at your service
Allianz PNB Life

04/06/2024

VARIABLE UNIT LINKED (VUL) ay nagbibigay ng bahagi ng pagtitipid sa halaga ng pera at benepisyo sa kamatayan. Ito ay isang permanenteng patakaran na nag-aalok ng mga flexible na premium at mga benepisyo sa kamatayan.

Ang pagkakaiba sa ganitong uri ng unibersal na seguro sa buhay, gayunpaman, ay na-invest nito ang halaga ng pera sa mga asset tulad ng mutual funds, bond funds o equity funds na mabibili lamang sa loob ng patakaran. Nangangahulugan ito na ang paglago ng halaga ng pera ay nakatali sa pagganap ng mga pamumuhunan.

Ang mga VUL ay naniningil ng mas mataas na premium kaysa sa halaga ng pag-insure sa iyo. Ito ay dahil ang dagdag na pera mula sa mga pagbabayad ng premium ay namuhunan upang ang patakaran ay bumuo ng isang halaga ng salapi.

Pinakamahusay para sa:
Mga taong may mas mataas na risk tolerance pagdating sa investments
Mga taong nais ng higit na kontrol sa kanilang mga pamumuhunan sa halaga ng pera
Mga Kalamangan ng Variable Unit Link o Variable Universal Life Insurance:
Propesyonal na pinangangasiwaan ng mga eksperto sa pondo ang mga pondong pinili para sa mga VUL. Kung mahusay ang performance ng mga pamumuhunan, ang iyong patakaran sa VUL ay maaaring maging mas mahalaga kaysa sa iba pang mga produkto gaya ng buo o unibersal na buhay. Kaya, maaari itong mag-alok ng pagkatubig at mas mataas na pagbabalik ng pamumuhunan bilang karagdagan sa proteksyon sa buhay.

Kahinaan ng Variable Universal Life Insurance:
Maaaring bumaba ang halaga ng iyong patakaran sa seguro sa buhay kung hindi maganda ang performance ng mga pamumuhunan. Kaya, ang iyong mga premium ay maaaring tumaas upang matiyak na mayroong sapat na pera upang mamuhunan. Bukod dito, ang ganitong uri ng plano sa seguro sa buhay ay hindi nag-aalok ng mga garantiya laban sa mga panganib sa pamumuhunan.

Para sa ibang karagdagan ng pagpapaliwanag. Tumawag o magbigay ng mensahe sa aking messenger.

Talk to an Allianz Life Changer™ and sign up for Allianz eAZy Health today
Keanu Cezar M. Villaruel
Licensed Allianz Life Changer

01/06/2024

SHEILD YOURSELF FROM THE UNEXPECTED.

Talk to an Allianz Life Changer™ and sign up for Allianz eAZy Health today
Keanu Cezar M. Villaruel
Licensed Allianz Life Changer 📩📩📩

30/05/2024

𝘔𝘪𝘳𝘳𝘰𝘳, 𝘮𝘪𝘳𝘳𝘰𝘳 𝘰𝘯 𝘵𝘩𝘦 𝘸𝘢𝘭𝘭, 𝘩𝘰𝘸 𝘤𝘢𝘯 𝘐 𝘣𝘦 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭𝘭𝘺 𝘴𝘵𝘢𝘣𝘭𝘦? 🪞

Trust Allianz as your ultimate financial partner! Feel empowered to invest in your needs and the things that bring you joy!

LEARN MORE: https://bit.ly/AZPH-AZSolutions



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29/05/2024

"You know what you don't need a Health Insurance."

Bakit hindi mo kailangan ng Health Insurance?

There are 3 reason's why you don't need a Health Insurance;

1. You are very Healthy and you're immortal then you really don't need an insurance.

2. If you own a Hospital, you don't need an insurance

3. Kung anak mayaman ka or anak ka ng mga business tycoon then you really don't need an insurance.

Kung hindi Ka nabibilang dyan sa tatlo then you really need a Health Insurance. Because when Critical Illness strikes, all the work you had for;

WORK for
SAVE for
And for your FAMILY

Will all be wiped out!

Millions ang nakataya kapag nag-kasakit Ka, at SA mga bayad sa mga hospitals. Lalo na kapag nag-karoon ka ng Critical Illnesses.

Kaya Kung ako sayo kumuha kana ng Health Insurance, laging tandaan kahit ang mga mayaman kumukuha din ng Health Insurance para pag nag-kasakit sila Hindi sila mababaon sa utang at ang kanilang pamilya.

Wag mo iwanan ang pamilya mo ng responsibilidad, iwanan mo sila ng Pamana na may Life and Insurance Coverage ☺️

We have Two Health insurance plans for you ☺️
But it depends on your budget!
Free qoutation and consultation 🫡

Keanu Cezar Villaruel
Licensed Financial Advisor at Allianz PNB Life

Allianz PNB Life

27/05/2024

𝐞𝐀𝐙𝐲 𝐇𝐞𝐚𝐥𝐭𝐡 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞
Make your life easier with Allianz eaZy Health!

✅Insurance coverage for five (5) years
✅Budget and First timer friendly
✅EASY application, payment and claim process

𝐄𝐀𝐒𝐘 𝐋𝐀𝐍𝐆! 𝐄𝐀𝐒𝐘 𝐋𝐈𝐅𝐄!

𝑯𝒐𝒘 𝑨𝒍𝒍𝒊𝒂𝒏𝒛 𝑬𝒂𝒛𝒚 𝑯𝒆𝒂𝒍𝒕𝒉 𝒄𝒂𝒏 𝒉𝒆𝒍𝒑 𝒚𝒐𝒖?
1. To be prepared in emergency situations like accidents and sickness
2. To have peace of mind knowing you will leave behind a life insurance
benefit to your loved ones in case the unexpected happens.
3. To make your life EASY knowing you are protected and secure.

With Allianz eaZy Health Insurance covered ka na for 5 years! With 4 Critical Illness coverage + Enhanced Protection for other conditions
Diba? Easy?!

1. 4 Covered Critical Illness + Enhanced Cover for all other conditions;
The covered Critical Illnesses are:
● Cancer;
● Heart Attack;
● Stroke;
● Coronary Artery By-pass Surgery

2. Enhanced Cover for all other Conditions:
If none of the 4 critical illnesses are present, may solusyon diyan. Dahil sa Enhanced coverage natin, if there's a permanent impairment of any body part, system or function to the extent to which it permanently impairs and if it affected the activities of the daily living of the Insured as a person (Example: Inability to do toileting), siguradong covered ka pa rin!

3. Accidental Death, Disability and Dismemberment;
With Accidental Death, Disability & Dismemberment (ADDD), if you suffered injury dahil sa aksidente within 180 days from the date of the incident. Don't worry! we will pay you in corresponding amount!

4. Death Benefit;
If in the event that you've taken out of the picture dahil sa accident or natural causes, be assured dahil makakatanggap ang beneficiary mo in corresponding amount kung nangyari man ito.

5. Health Bonus of 30%:
If you takecare of yourself well within 5 years and paid all your premiums completely, Ofcourse! We will give you a bonus points, If no claims are made kahit ano sa Critical Illness (CI) and Accidental Death & Dismmebernt (ADDD). You may claim your bonus worth 30% of total premiums paid of five (5) years. Odiba? San ka pa?

What are you waiting for? Would you like to make your life easier? Start today and create a better tomorrow for YOU and your loved ones!
Don't keep waiting before it's too late! 😉

Let me help you, make your life at ease!

𝒃𝒚: 𝒚𝒐𝒖𝒓𝑫𝒊𝒈𝒊𝒕𝒂𝒍𝑭𝒊𝒏𝒂𝒏𝒄𝒊𝒂𝒍𝑨𝒅𝒗𝒊𝒔𝒐𝒓

Get in touch with me, for 𝐅𝐑𝐄𝐄 financial consultation.
- Keanu cezar Villaruel I Licensed Financial Advisor I Life Changer

27/05/2024

from the courage of youth to the reflection of experience, three generation of women share the heartfelt financial advice they would give to their younger selves. Lets inspire each other to embrace financial empowerment at every stage of life.

Talk to an Allianz Life Changer™ and sign up for Allianz eAZy Health today
Keanu Cezar M. Villaruel
Licensed Allianz Life Changer