24/01/2018
You’ve worked hard you’ve got a great life to show for it and you’ve set money for your retirement but sometimes life happens you get in an accident or develop an illness that make it impossible for you to take care of yourself and you can’t work, when you can’t work you can’t pay for your rent, you can't afford your bills and then what? Who would take care of you? And how would you pay for that care?
Would you like to know? You can! With Variable universal life insurance or VUL
having the Variable universal life insurance means that you can get the Life, Health, Disability Insurance and Mutual funds all at once, maintain your independence and relieve the financial and care giving burdens from your family.
Your loved ones they meaning everything to you, you provide for their everyday needs and there future dreams but what if something were to happen to you no one want’s to think about dying but have you wondered how your loved ones would manage financially?
Having life insurance means that if you we’re to die your loved ones will receive money that will allow them to pay funeral cost, monthly bills and living expenses any outstanding debts including medical bills, credit cards, and mortgage and allow them to finance future needs like your children’s education or your spouse retirement. Unfortunately many people don’t get Life insurance because they believe it’s too expensive, for most people that just not true. For example a healthy 30 years old can have a coverage of 1.000.000 pesos for 2000 pesos a month that’s 67 pesos a day.
For Health Insurance most people don’t realize that there’s 70% chance that you will need health insurance after 65 and it can be expensive, many people think their government program and HMO will pay for that but for the most part that’s just not true most likely you’ll be paying for care from your savings or retirement fund and that can go fast. Avoid this with Variable universal life insurance which can help protect your saving and retirement nest egg! And don’t put it off a good time to have Life/Health insurance is when you’re in 20-40s when premium is affordable and your health is good.
You have dreams of living a full life don’t risk spending your money on anything else!
For Disability insurance it replaces a portion of your income if you’re sick or injured and unable to work. This is important because your most valuable asset, isn’t your home, car or other valuables, your most valuable asset is the one that allows you to pay for those things, your ability to earn an income, based on survey it says that most people couldn’t make it a month without their salary before having financial difficulties, in other words if you work and rely on your salary you need Disability insurance, Unfortunately most people don’t think about getting Disability insurance because they believe that it will never happen to them but there’s a three in ten chance of suffering disability that will keep you out of work for 90 days or more at some point of your career, people also often believe that they can rely on their government benefits and people often believe that they will have disability coverage through work however 70% of private employers don’t offer disability insurance.
Let’s say that you managed to get 60 years old without having life uncertainties, since Variable universal life insurance also has mutual funds you can get an approximately 5.000,00 pesos maybe more and enjoy your life after retirement!
Let’s make sure that you have plan that best for needs and budget.
You’ve always provided for your loved ones don’t wait till it’s no longer possible!
You have dreams of living a full life don’t risk spending your money on anything else!
Don’t just Work hard! Protect your hard work!
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