10/02/2026
𝐃𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐭 𝐓𝐲𝐩𝐞𝐬 𝐨𝐟 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐀𝐩𝐩𝐥𝐢𝐜𝐚𝐭𝐢𝐨𝐧
⛔ 𝐃𝐞𝐜𝐥𝐢𝐧𝐞𝐝: Your application is rejected, and no policy will be issued.
I once submitted an application for a client. Kaya niyang ihulog? 10K monthly. However, his application was declined.
⚠️ 𝐏𝐨𝐬𝐭𝐩𝐨𝐧𝐞𝐝: Your application is put on hold, with the possibility of reconsideration later. You may need to wait at least 6 months before reapplying.
I also submitted an application for a client. Diabetic and hypertensive. Kahit 20K monthly gusto niyang ihulog, pinostpone muna ni Pru kasi di pa controlled ang blood sugar level niya. We reapplied 6 months later, pero postponed ulit.
☑️ 𝐑𝐚𝐭𝐞𝐝: Your application is approved, but with a higher premium due to added risk factors, i.e., occupational, territorial, or medical risks.
Then I have this client. Sabay sila ng friend niyang kumuha sa akin. Same gender, same age, same benefits, different premiums. He's paying 4.5k, and his friend is paying only 3k. Reason? He has hypertension. He also underwent medical examinations para lang ma-approve.
✅ 𝐀𝐩𝐩𝐫𝐨𝐯𝐞𝐝: Your policy is issued, meaning your protection is secured!
This is the outcome for most of my clients. Thank God I was able to reach out to them while they are still healthy.
☺️ Lowest monthly premium for a comprehensive plan? Nasa 2.5k to 3k lang.
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𝙄𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚 𝙞𝙨 𝙣𝙤𝙩 𝙖 𝙜𝙪𝙖𝙧𝙖𝙣𝙩𝙚𝙚—𝙞𝙩’𝙨 𝙖 𝙥𝙧𝙞𝙫𝙞𝙡𝙚𝙜𝙚. 𝙏𝙝𝙚 𝙗𝙚𝙨𝙩 𝙩𝙞𝙢𝙚 𝙩𝙤 𝙜𝙚𝙩 𝙞𝙣𝙨𝙪𝙧𝙚𝙙? 𝙔𝙚𝙨𝙩𝙚𝙧𝙙𝙖𝙮. 𝙏𝙝𝙚 𝙨𝙚𝙘𝙤𝙣𝙙-𝙗𝙚𝙨𝙩 𝙩𝙞𝙢𝙚? 𝙏𝙤𝙙𝙖𝙮.
