Toshi Concepcion: Pru Life UK Licensed Financial Advisor

11/03/2024

20/02/2024

THREE SIGNS THAT YOU NEED INSURANCE…

Here are three simple signs that you might need insurance:

Financial Worries: If you can't afford unexpected expenses, like getting sick, insurance can help cover those costs.

Life Changes: Getting married, having kids, or buying a home means more responsibilities. Insurance financially protects your family and assets during these big life moments.

Job or Health Risks: If your job is risky or you have health concerns, insurance provides a safety net. It can cover your income if you can't work, or help with medical bills.

In summary, insurance is like a safety cushion for unexpected events that could otherwise cause financial stress.

Let me help you if you get any of these signs.

02/02/2024

Protect your employees with comprehensive coverage that can be customised to your needs.
Talk to us now!

20/01/2024

🧐 Looking for guaranteed life long insurance benefits while growing your fund?
💯 Get the most comprehensive INVESTMENT-INSURANCE-SAVINGS plan for you.🤩

✅ INSURED UNTIL
✅ Projected Retirement Fund Investment
✅ Life Insurance (Inheritance/Fund for your Family)
✅ Critical Illness Benefit like stroke, heart attack, cancer, etc.
✅ Cash Assistance for Disability
✅ Accidental Death & Disablement
✅ Waiver of Premium Included

✨ PruLife UK's Elite Plans have short paying period of 5,7,10 and 15 years with higher premium allocations that allow for faster accumulation.

✨ Other uses:
* To purchase a house.
* Saving for a capital for business.
* Build up of educational fund.
* Build up of retirement fund.
* Other plans for at least 5 years.

07/12/2023

#1

06/11/2023

𝗛𝗲𝗿𝗲 𝗮𝗿𝗲 𝘁𝗵𝗲 𝟯 𝘁𝗵𝗶𝗻𝗴𝘀 𝘁𝗼 𝗸𝗻𝗼𝘄 𝗶𝗳 𝘆𝗼𝘂 𝗮𝗿𝗲 𝗰𝗼𝗻𝘀𝗶𝗱𝗲𝗿𝗶𝗻𝗴 𝗯𝘂𝘆𝗶𝗻𝗴 𝗮𝗻 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲:

#𝟭. 𝗜𝗻𝘀𝘂𝗿𝗲 𝗮𝗴𝗮𝗶𝗻𝘀𝘁 𝘁𝗵𝗲 𝗿𝗶𝘀𝗸𝘀 𝗶𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁 𝘁𝗼 𝘆𝗼𝘂

- Knowing the risk or risks you want to insure against will help narrow down your choices considerably.

#𝟮. 𝗖𝗼𝗺𝗽𝗮𝗿𝗲 𝗽𝗿𝗶𝗰𝗲𝘀, 𝗮𝗻𝗱 𝗺𝗮𝗸𝗲 𝘀𝘂𝗿𝗲 𝘁𝗵𝗲𝘆 𝗮𝗿𝗲 𝗮𝗽𝗽𝗹𝗲𝘀 𝘁𝗼 𝗮𝗽𝗽𝗹𝗲𝘀.

- They also came in a wide range, making it difficult to decide but one thing I discovered is that the cheapest one is not necessarily the best option.

#𝟯. 𝗕𝘂𝘆 𝗮𝘀 𝗯𝗿𝗼𝗮𝗱 𝗮 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲 𝗮𝘀 𝗽𝗼𝘀𝘀𝗶𝗯𝗹𝗲.

- Buy insurance that covers a wide number of scenarios. Don’t insure against just one type of accidental death, or one kind of serious disease.

https://www.facebook.com/photo.php?fbid=743133774528548&set=a.650104283831498&type=3&mibextid=K8Wfd2

27/10/2023

𝗣𝗥𝗨𝗟𝗜𝗡𝗞 𝗔𝗦𝗦𝗨𝗥𝗔𝗡𝗖𝗘 𝗔𝗖𝗖𝗢𝗨𝗡𝗧 𝗣𝗟𝗨𝗦 (𝗣𝗔𝗔+)❤️
Ano nga ba ang life insurance plan na ito?

Isa lang naman to sa mga best-selling INSURAVEST PLANS ng PRULIFE UK✨

This is a comprehensive coverage with 𝘭𝘰𝘸 𝘧𝘪𝘹𝘦𝘥 𝘱𝘳𝘦𝘮𝘪𝘶𝘮 𝘩𝘢𝘣𝘢𝘯𝘨 𝘯𝘢𝘣𝘶𝘣𝘶𝘩𝘢𝘺 𝘬𝘢. Very flexible ng program na to dahil sumasabay yung policy mo sa lifestyle mo.

We all know that our priorities are always changing as we move from one life stage to another. With this plan, PAA+, you may upgrade from lower premium na binabayaran mo sa mas higher premium if you think you want more coverage in terms of health benefits and other needs mo.

AT ALAM MO BA? May 10% loyalty bonus tong plan na to if ever mag-avail ka✨✨

Lastly, yung investment mo— International Fund Manager magma-manage, Eastspring Investments✨

If you want to learn more about the program or other plans…

📩Message me for a free consultation

-ctto

23/10/2023

𝐀𝐧𝐬𝐰𝐞𝐫𝐢𝐧𝐠 𝐭𝐡𝐞𝐬𝐞 𝐅𝐫𝐞𝐪𝐮𝐞𝐧𝐭𝐥𝐲 𝐀𝐬𝐤𝐞𝐝 𝐐𝐮𝐞𝐬𝐭𝐢𝐨𝐧𝐬🤔💡

1.𝗣𝘄𝗲𝗱𝗲 𝗯𝗮 𝗮𝗻𝗴 𝟭 𝗺𝗼𝗻𝘁𝗵 𝗯𝗮𝗯𝘆 𝗺𝗮-𝗶𝗻𝘀𝘂𝗿𝗲?
- YES kahit 7 days old pa lang ❤️👶🏻

2. 𝗠𝗮𝗴𝗸𝗮𝗻𝗼 𝗺𝗶𝗻𝗶𝗺𝘂𝗺 𝗻𝗴 𝗶𝗻𝘀𝘂𝗿𝗮𝘃𝗲𝘀𝘁?
- 1,700php only (for kids) * 😉

3. 𝗦𝗲𝗻𝗶𝗼𝗿 𝗰𝗶𝘁𝗶𝘇𝗲𝗻 𝗽𝘄𝗲𝗱𝗲 𝗺𝗮-𝗶𝗻𝘀𝘂𝗿𝗲?
-Yes po for ages 60-70 👵🏻🧓🏼

4. 𝗠𝗮𝘆 𝗳𝗶𝘃𝗲 𝘆𝗲𝗮𝗿 𝗽𝗹𝗮𝗻 𝘀𝗮 𝗣𝗿𝘂?
- Meron ✋🏼
Hindi na kayo maghuhulog after 5 years tapos insured ka na until 100 years old and may growing investment pa. 😍

5. 𝗞𝗮𝗽𝗮𝗴 𝗻𝗮𝗴𝗽𝘂𝗻𝘁𝗮 𝗮𝗸𝗼 𝗻𝗴 𝗶𝗯𝗮𝗻𝗴 𝗯𝗮𝗻𝘀𝗮 𝗶𝗻𝘀𝘂𝗿𝗲𝗱 𝗽𝗮 𝗿𝗶𝗻 𝗮𝗸𝗼. - Yes, basta wag ka po lalabas ng earth. 😅🌎💙

6. 𝗕𝗮𝗸𝗮 𝗶𝘄𝗮𝗻𝗮𝗻 𝗺𝗼 𝗿𝗶𝗻 𝗸𝗮𝗺𝗶 𝗵𝗮. 𝗔𝗻𝗴 𝗱𝗮𝗺𝗶𝗻𝗴 𝗮𝗴𝗲𝗻𝘁 𝘄𝗮𝗹𝗮 𝗻𝗮 𝗻𝗴𝗮𝘆𝗼𝗻. 𝗡𝗶-𝗴𝗵𝗼𝘀𝘁 𝗻𝗮 𝗸𝗮𝗺𝗶.
- I am your lifetime Financial Advisor. I can also provide service to orphaned clients even without commission, which means I got you and your family. At patuloy pa po akong nag iinvest sa sarili para maging expert sa Insurance and investment industry. 🥰

7. 𝗣𝘄𝗲𝗱𝗲 𝗯𝗮 𝗮𝗸𝗼 𝗺𝗮𝗴 𝘄𝗶𝘁𝗵𝗱𝗿𝗮𝘄 𝘀𝗮 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗸𝗼 𝗮𝗻𝘆𝘁𝗶𝗺𝗲? - Yes, pero as much as possible kung di emergency wag po. Ilaan natin ito for long term goal like retirement fund. 📈

Your trusted Financial Advisor,

Toshi Concepcion
Licensed Financial Advisor - 𝑃𝑅𝑈 𝐿𝐼𝐹𝐸 𝑈𝐾

*𝘤𝘰𝘮𝘱𝘶𝘵𝘢𝘵𝘪𝘰𝘯𝘴 𝘮𝘢𝘺 𝘷𝘢𝘳𝘺 𝘥𝘶𝘦 𝘵𝘰 𝘢𝘨𝘦, 𝘰𝘤𝘤𝘶𝘱𝘢𝘵𝘪𝘰𝘯, 𝘥𝘦𝘴𝘪𝘳𝘦𝘥 𝘤𝘰𝘷𝘦𝘳𝘢𝘨𝘦𝘴/𝘣𝘦𝘯𝘦𝘧𝘪𝘵𝘴.

17/10/2023

Here are 𝟒 𝐫𝐞𝐚𝐬𝐨𝐧𝐬 𝐰𝐡𝐲 𝐲𝐨𝐮 𝐬𝐡𝐨𝐮𝐥𝐝 𝐜𝐨𝐧𝐬𝐢𝐝𝐞𝐫 𝐛𝐮𝐲𝐢𝐧𝐠 𝐥𝐢𝐟𝐞 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐧𝐨𝐰, when you are still young & healthy rather than later:

𝟏. 𝐘𝐨𝐮 𝐜𝐚𝐧 𝐠𝐞𝐭 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐰𝐢𝐭𝐡 𝐚 𝐥𝐨𝐰𝐞𝐫 𝐩𝐫𝐞𝐦𝐢𝐮𝐦 𝐚𝐧𝐝 𝐛𝐞𝐭𝐭𝐞𝐫 𝐜𝐨𝐯𝐞𝐫𝐚𝐠𝐞
Age & health condition are crucial amongst the several other factors that affect how much you pay for life insurance. Generally, the younger and healthier you are, the lower your premiums will be. You can use online life insurance premium calculators to estimate your coverage costs and get a better insight on this.

𝟐. 𝐓𝐡𝐞 𝐞𝐚𝐫𝐥𝐢𝐞𝐫 𝐲𝐨𝐮 𝐚𝐫𝐞 𝐜𝐨𝐯𝐞𝐫𝐞𝐝, 𝐭𝐡𝐞 𝐦𝐨𝐫𝐞 𝐩𝐞𝐚𝐜𝐞 𝐨𝐟 𝐦𝐢𝐧𝐝 𝐲𝐨𝐮 𝐠𝐞𝐭
There is actually something money can’t buy, that is an insurance policy. Insurance is purchased with 2 things, health, and age. That's why, buying life insurance early will give you the peace of mind to focus on things that more important in your life rather than living with the fear of losing everything you have suddenly.

𝟑. 𝐁𝐚𝐧𝐤 𝐛𝐚𝐥𝐚𝐧𝐜𝐞 𝐦𝐚𝐢𝐧𝐭𝐚𝐢𝐧𝐞𝐝
Your medical bills are not likely to deplete your bank balance if you have an effective insurance plan in place.

𝟒. 𝐈𝐭 𝐜𝐚𝐧 𝐜𝐫𝐞𝐚𝐭𝐞 𝐚 𝐥𝐞𝐠𝐚𝐜𝐲
In your 20s or early 30s, you may not have had a chance to build significant assets. Life insurance can replace what you would have accumulated over a lifetime of work and saving so you have something to pass on to your loved ones when you are not there anymore. Additionally, you might be “passing on” things to your family that you’d prefer not to—like debts and liabilities.

16/10/2023

Samahan natin ang Pambansang Wealth Coach, Mr. Chinkee Tan, as he talks about spending and saving wisely during the holiday season! 🎄

Save the details 👇
25 October 2023 (Wed), 6:00pm via Zoom
This webinar is FREE for everyone! Limited seats, so register NOW
https://bit.ly/PruLifeUKOctober25

12/10/2023

✅National Achiever
✅Pru Service Mark