FWD Iligan City

16/01/2025

𝗙𝗪𝗗 𝗟𝗶𝗳𝗲 𝗽𝗮𝘆𝘀 𝗶𝘁𝘀 𝗽𝗿𝗼𝗺𝗶𝘀𝗲.
7 months old policy and Senior Citizen client

Claim approved!Thank you Lord for the Favor and provision to the family of the bereaved family.

An insurance claim is a formal request for reimbursement for losses covered by an insurance policy. You can file an insurance claim online, by phone, by mail, or through a mobile app.

Life is uncertain, and life insurance can offer financial assistance to your family when you are no longer around.

18/12/2024

14/11/2024

PWEDE BA eREFUND yung mga NAIHULOG sa INSURANCE COMPANY❓

One of the most common concerns ng clients ay ang usaping REFUND.

Pwede nga ba mag-refund?
Paano kung tumigil na sa pagbabayad?
Mawiwithdraw ko ba ang mga premiums ko?

🧡 Simulan natin ito sa Term Insurance.
Prepaid po ang mga insurance.
Meaning, parang renta. Babayaran mo agad yung term or period na sakop ng insurance.

If ang term insurance mo ay yearly ang term, you pay now. Then covered ka.

If di ka na magbayad next year, di ka na covered. Ganun kasimple.

So may mawiwithdraw ka ba? Wala.

🧡 Paano naman kung VUL or Variable Unit-linked ang nakuha ko? Insurance with investment.

Kapag ba tumigil ka na (surrender), mawiwithdraw mo ba exactly lahat ng PREMIUMS na binayad mo? Hindi.

Ang ma-wiwithdraw mo lang ay 'yung current value ng Investment mo. (Fund value)

🧡 Bakit ganun?
Mas mainam pala ang bank. Pag nagdeposit ako, mawiwithdraw ko exactly the same.

Opo, yan ang purpose ng bank.

Iba ang purpose ng insurance. Iba rin ang investment.

🧡 Tatandaan, binibili mo ang service ng insurance contract. Kung 3 million death benefit yan, yan ang binibili mo.

🧡 So bakit nga walang REFUND?

Kapag ba bumili ka ng isang bagay o service, tuwing kelan lang may refund? Ano ang refund policy?

- kapag may DEFECT.

E kung wala namang defect ang policy, walang marerefund.

🧡 Wala naman akong naging sakit, sayang lang binayad ko.

- Bigyan kita ng analogy. Naghire ka ng bodyguard to protect you from harm. Pinasahod mo ng 5k a month.

After 2 years, nakapasahod ka na ng 120k. Wala namang umatake sayo.

Can you tell your bodyguard na, "Kukunin ko na lahat ng 120k na pinasahod ko sayo kasi di naman ako napahamak, wala namang umatake sakin."

Anong response ng bodyguard?
"Ay babalik ko sayo, may patago ka teh?"

Same concept.
You buy insurance to get the service of protection.

Kada oras na dumadaan na IN FORCE ang insurance contract mo, liable ang insurance company to fulfill the contract's obligations.

So ang Insurance charges na nababayad mo out of your premium, doon yun napupunta.

Hindi sya nasayang 😁☕️

CTO

02/10/2024

Ready to Flip with Omne!

Exciting news for all our customers! 🥳 Link your policy in Omne by FWD until October 31, 2024 for a chance to win a brand-new Samsung Galaxy Z Flip 5. Don't miss out on this treat – time is ticking! 🕰️

How to join:
1. Download Omne by FWD in App Store or Play Store.
2. Sign-up and link your policy using you Customer ID.
3. Enjoy seamless policy management 24/7.

04/08/2024

🥪 𝗦𝗮𝗻𝗱𝘄𝗶𝗰𝗵 𝗚𝗲𝗻𝗲𝗿𝗮𝘁𝗶𝗼𝗻

If you are supporting your parents while supporting your own family, ibig sabihin nasa sandwich generation ka.

Hindi natin masisisi ang parents natin na di nila napaghandaan ang kanilang retirement, pero ikaw may time ka pa para paghandaan ito.

Ayaw mo naman siguro maranasan din ito ng mga/magiging anak mo.

Paghandaan ang mga possibleng gastusin kung sakaling magkaroon tayo ng S.A.D.D events (Sickness, Accident, Disability, Death).

Kung hindi man mangyari ang mga yan, paghandaan natin ang ating retirement, education plan ng mga anak natin at magkaron ng savings.

Make a difference. Stop the cycle of poverty. Talk to any licensed financial consultant and end the sandwich generation in your family. 💪

Send me a message 📩

24/05/2024

No Servicing Agent?

I can offer my service for free,I can adopt policies with no active agents or agents that are not connected in FWD anymore.

Message me for your assistance.

17/05/2024

💯💯💯