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FWD PH Financial Wealth Planner

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ALL ABOUT INSURANCE

18/09/2025

𝗦𝗮𝗯𝗶 𝗻𝗴 𝗮𝘀𝗮𝘄𝗮 𝗻𝗶𝘆𝗮:

“𝙆𝙪𝙣𝙜 𝙬𝙖𝙡𝙖 𝙨𝙞𝙮𝙖𝙣𝙜 𝙞𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚, 𝙗𝙖𝙠𝙖 𝙥𝙖𝙩𝙞 𝙖𝙠𝙤 𝙨𝙪𝙢𝙪𝙠𝙤.”

Kung ikaw ‘yung taong laging nagdadalawang-isip…
Ito na ‘yung sign mo.

Hindi mo kukunin ‘to dahil plano mong magkasakit — 𝙠𝙪𝙣𝙙𝙞 𝙙𝙖𝙝𝙞𝙡 𝙝𝙞𝙣𝙙𝙞 𝙢𝙤 𝙖𝙡𝙖𝙢 𝙠𝙖𝙞𝙡𝙖𝙣 𝙞𝙩𝙤 𝙙𝙖𝙧𝙖𝙩𝙞𝙣𝙜.

Secure mo sarili mo. Secure mo pamilya mo.
Gusto mong malaman magkano protection mo?

I can give you a FREE quote. No commitment.
📩 Message me if you want to know how.

26/07/2025

FWD Set for Health critical illness insurance plan allows you to claim up to 300% of your coverage amount if you are diagnosed with three unrelated major critical illnesses from the 42 covered illnesses .

* The three illnesses must be unrelated. The specific definition of "unrelated" is detailed in the policy document.

* There is a waiting period of 90 days from the effective date or last reinstatement before a claim can be filed.

PM!! 🥰

26/07/2025

Insurance premiums go up as we get older, right? But here's the smart part, if you pick a plan with investments, those investments help cover the rising costs. So, you won't really feel the premium increases until much later down the line

02/07/2025

30 ka pa lang, HEALTHY ngayon. YES, may insurance ka sa company! 🛡️
Pero HINDI BA’T DELIKADO ang umasa dito?
1M DEATH BENEFIT, 200k sa critical illness, 200k sa disability—LAHAT YAN MAWAWALA PAG NAG-RESIGN KA. 😱

Pagdating ng 40s mo:
❌ Wala nang coverage
❌ Mas mahal na ang insurance
❌ Baka HINDI KA NA INSUREABLE (high blood? diabetes?)

BLESSED KA NGAYON, pero TATAGAL BA?
Anong PLANO MO PAG UMAYAW KATAWAN MO SA 40s? 💔
DON’T WAIT FOR CRISES TO WAKE YOU UP.
Kumilos habang MAY TIME, HEALTH, AT OPTIONS KA PA. 💪

PS: Hindi ka "insured forever" dahil sa company. It’s TEMPORARY.
Secure your FUTURE self NOW. ⏳
PM me. Let’s talk REAL protection.

19/06/2025

HMO (Health Maintenance Organization):
Sakop nito ang mga medical expenses tulad ng check-ups, labs, konsulta sa doctor, at hospitalization. Focus dito ay preventive care (para hindi ka magkasakit) at pang-araw-araw na health needs mo. 💊🩺

Critical Illness Insurance:
Bibigyan ka ng lump-sum cash (isang bagsakang pera) kapag na-diagnose ka ng malubhang sakit (hal. cancer, stroke, heart attack). Pwede mo gamitin ang pera para sa treatment, recovery, o kahit sa bills mo sa totoong buhay. 💸🩹

29/05/2025

Naguguluhan ka pa ba sa Life Insurance at Personal Accident Insurance (PA)? Let's clarify! Ang PA ay para sa mga unexpected accidents at illnesses na CAUSED by accidents. Samantalang ang Life Insurance ay mas comprehensive—inaalagaan ka hindi lang habang buhay ka pa, kundi pati na rin ang future ng pamilya mo pag mat nangyare sayo (knock on wood!). Magtanong ka pa! IPM MO YAN! 🥰

27/05/2025

Paano Gumagana ang MRI?

1. Decreasing Term Insurance: Bumababa ang coverage habang nababawasan ang loan. Halimbawa, kung ₱2M ang loan mo at ₱1.5M na lang ang balance sa 5th year, ₱1.5M na rin ang coverage ng MRI .

2. Required ng Banks: Karamihan ng banks sa Philippines (like Pag-IBIG, BDO, etc.) ay required ang MRI bago i-approve ang housing loan. Para itong collateral para sa lender .

3. Premium: Depende sa edad mo, loan amount, at term. Halimbawa, kung 30 years old ka at ₱2M ang loan, baka ₱10k–₱20k ang annual premium .

Bakit Kailangan ng MRI?

- Proteksyon sa Pamilya: Kung mawala ka, hindi mapipilitang magbayad ng amortization ang family mo.

- Avoid Foreclosure: Kapag di nabayaran ang loan, pwedeng kunin ng banko ang bahay. Pero kung may MRI, covered na ito .

- Madaling Approval: Mas mabilis ma-approve ang loan application kung may MRI ka .

Mga Dapat Tandaan!

- Hindi Ito Life Insurance: Ang MRI ay para lang sa housing loan. Kung may existing life insurance ka, pwedeng gamitin ito as MRI, pero dapat sapat ang coverage .

- Hindi Covered ang Property Damage: Para sa fire, lindol, o bagyo, kailangan mo ng separate property insurance .

- Renewable Yearly: Kadalasan, yearly mo ito babayaran kasabay ng amortization. Pwede rin i-add sa monthly payments .

11/05/2025

Same with CTPL, ang VTPL o Voluntary Third Party Liability ay isang mahalagang dagdag na protection para sa iyong sasakyan. Kung sakaling masangkot ka sa aksidente at may masaktan o masira ang ari-arian ng iba, ang VTPL ay tutulong upang masakop ang mga gastusin tulad ng medical bills, pagkukumpuni, at legal fees. Mas malaki ang coverage nito kaysa sa compulsory insurance, kaya't mas mapapanatag ka sa anumang mangyari.

Vehicles that are under loan often require Voluntary Third-Party Liability (VTPL) insurance. This is because the lender, typically a bank or financing company, has a financial interest in the vehicle until the loan is fully repaid.

09/05/2025

Ang pangunahing layunin ng Compulsory Third Party Liability (CTPL) insurance ay protektahan ang mga taong hindi kasali sa aksidente (mga pedestrian, pasahero sa ibang sasakyan, o ibang driver) na maaaring masaktan o mamatay dahil sa aksidenteng sanhi ng sasakyang sakop ng insurance. Sa madaling salita, mananagot ang insurance company sa mga pinsala o pagkamatay na dulot ng insured vehicle sa ibang tao, hindi sa mismong may-ari o driver ng sasakyan.

17/01/2025

LIFE INSURANCE CAN SAVE YOUR DREAMS! 🥰

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18/09/2025

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