17/08/2026
“Sir, paano kung ready na si misis… pero hindi ka na insurable?”
Hindi naman masama na sabihin na:
“Itatanong ko muna kay misis.”*
In fact, I actually encourage couples to talk about their financial decisions together. ❤️
Pero ito yung madalas nakakalimutan:
Hindi porke’t ready ka nang kumuha ng insurance, ibig sabihin guaranteed na maa-approve ka.
Insurance is subject to underwriting. Your current health, medical history, age, lifestyle, and other factors can affect your application and the terms you may receive.
Kaya habang pinag-uusapan niyo pa…
What if may biglang magbago sa health mo?
What if by the time na pareho na kayong ready, hindi na same ang insurability mo?
As a financial advisor, hindi ko naman sasabihin na:
“Kailangan kumuha ka ngayon.”
Instead, I’d say:
“Pag-usapan niyo po. Decide together. Pero habang pinag-uusapan niyo, make sure you understand what you might be risking by waiting.”
Because sometimes, the biggest risk isn't saying NO.
It's saying:
“NOT YET.”
…until one day, “Hindi na pala pwede.”
So yes, tanungin mo muna si misis.
But while you're asking for her decision,
make sure you’re not unknowingly waiting for your health to make the decision for you. ❤️
