18/07/2025
"๐๐ฎ๐ธ๐ถ๐ ๐ฏ๐ฎ ๐๐ผ๐ฏ๐ฟ๐ฎ๐ป๐ด ๐ธ๐๐น๐ถ๐ ๐บ๐ผ ๐บ๐ฎ๐ด ๐ผ๐ณ๐ณ๐ฒ๐ฟ ๐ป๐ด ๐ถ๐ป๐๐๐ฟ๐ฎ๐ป๐ฐ๐ฒ ๐ป๐ฎ '๐๐ฎ๐ป?"
Simple lang naman. You need it. Probably, you will want it.
Wala pa akong kilalang nalugi because of insurance (provided talagang in force ang policy ah, and yes, insurance ang tinutukoy ko, kasi iyong investment sa stocks, we can't guarantee that). Even I, myself is a policy holder and I truly believe and trust how it works.
Yes, you will pay for your insurance. Gastos, ika nga.
Bayad sa policy fees. Sa charges. Sa management fees, taxes, etc.
Pero bakit maraming kumukuha ng VUL despite that?
Let me ask you these:
1. What if maaga kang mawala (sudden death)?
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โNo worries. 3M pesos iiwan natin sa family mo.
2. Eh kung di naman maaga mamatay? Paano pag nagkasakit?
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โNo problem. Covered ka.
3. Paano kung di maagang mamatay and di magkasakit? Thank You, Lord. Pero may naipon ka ba?
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โ No worries, may stock investments ka dito kahit papano.
You set aside 100/day.
That is 3,000 monthly.
We all know death is certain. Ayaw mo ba na ngayon pa lang may guaranteed around 3M benefit na makukuha ang pamilya mo when you die? In short, di ka magiging burden sa kanila pag nawalan ka ng income or pag nawalan sila ng breadwinner.
Kung sa bank ka mag-iipon, ilang taon kaya bago mo mapag-ipunan ang 3M? Kung tig 3k lang iipunin mo, it will take 80+ years! ๐ฅถ
Maliban sa ipon mo sa bank, you can set aside also for your VUL policy. Sabi nga nila, don't put all your eggs in one basket.
Diversify.
Another thing is that ang projection ng stock market can go up to average of 10% annually. Covered ka pa from critical illness, accidents and hospitalization.
VUL is VALUE!
Talk to your most trusted FAs now. ๐
