26/05/2026
May nakausap akong client, mid-30s, doing well, stable ang income.
Sabi niya,
“Gusto ko sana mag-start… pero baka hindi pa kaya ng budget yung gusto kong coverage"
So instead of going in circles, trying to convince him to start his plan,
tinignan namin yung current setup niya.
Then I showed him something simple:
“Sir, what if 1% of what you’re earning today, the reflected premium in this proposal, kayang i-protect 100% ng income para sa mga umaasa sa’yo?”
Kasi hindi pala issue kung kaya o hindi,
ang tanong, optimized ba yung ginagawa niya ngayon?
We adjusted a few things. We made sure that we covered the income that he can provide for his family in the next 10 years without increasing hiz premium
Hindi drastic. Hindi mabigat.
Pero after that, ang sabi niya:
“Ngayon, i believe mas manageable na and I also feel na what I'm getting is worth my money.”
That’s the gap most people don’t see.
It’s not about adding more, it’s about making sure what you have is working the right way.
That’s the power of a well-designed plan.
