19/06/2024
"๐๐๐ ๐ค๐ ๐ค๐ฎ๐ฆ๐ฎ๐ก๐ ๐ง๐ ๐ฅ๐ข๐๐ ๐ข๐ง๐ฌ๐ฎ๐ซ๐๐ง๐๐ ๐ค๐ฎ๐ง๐ ๐ฐ๐๐ฅ๐ ๐ค๐๐ง๐ ๐๐๐ฉ๐๐ง๐๐๐ง๐ญ." ๐คฃ๐คฃ๐คฃ (๐ฅ๐จ๐ง๐ ๐ฉ๐จ๐ฌ๐ญ ๐๐ก๐๐๐, ๐ฉ๐๐ค๐ข๐๐๐ฌ๐ ๐ฉ๐จ ๐)
Thatโs the statement of the Tiktok video that was sent to me this morning. Prolly you also read or heard this somewhere discouraging Filipinos to get an insurance policy kapag walang dependent. ๐ค
Naisip ko bigla, may dependent ba yung car insurance? May baby car? Daddy and mommy car? ๐
Kidding asideโฆ
Akala ko boxing at pagent critics ang maraming sa atin pati pala financial "experts". This Tiktok user is spewing lies that life insurance would only be used when you're already dead and she positioned it na yun lang ang option out there. Kaya naman kung wala kang dependent, wag ka na raw kumuha ng life insurance. ๐ฅต Yung iba tuloy ayaw na buksan ang message ng financial advisor.
Firstly, life insurance is NOT JUST FOR DEATH. That's one of its benefits. Seriously, ang dami nitong LIVING BENEFITS, with S kasi nga marami, providing you financial security in cases of sickness, accident, and disability. MARAMI! Kaya nga L I F E insurance kasama doon yung pakinabang mo habang humihinga ka. ๐คฉ Yung policy ang isa sa mga rason kung bakit may fighting chance ka to win over cancer, heart surgery, at kung ano-ano pa.
Bakit kasi patay-patay agad? Critical illness coverage is my favorite rider / add-on. Kailangan mo 'to kung gusto mo mabuhay nang matagal. Critical illness can affect anyone at anytime. Walang pinipiling edad. It comes with serious costs. Your life insurance can help you survive! Kasi may pagkukunan ka ng milyon kahit libo lang binayad mo. Hindi ito kaya ng HMO. ๐ค
How about in case of disability and accident? Hindi mo na kaya mag-work, paano ka? Aasa ka na naman? Manlilimos? Life insurance can provide you lump sum cash benefits and waiver (no need to pay for your premium, pensionado ka na agad) para tuloy pa rin ang buhay mo. Hindi ka pabigat kahit kanino. ๐
Eh kung healthy ka naman? Walang aksidente, walang disability? Una, congratulations at rare specie ka. Ito naman ang good news! If you have life insurance WITH INVESTMENT, may naipon ka pa. May magagamit ka sa retirement mo o kahit anong trip mo habang insured ka pa. Anong mali doon? Yung retirement mo hindi nightmare kundi holiday. MAY DIGNIDAD. ๐ฌ
May life insurance na pang-death lang. May life insurance na critical illness lang. May life insurance na disability lang. Mayroon nga pang-dengue, breast cancer, at malaria lang. Iba-iba depende sa gusto mo pero maliwanag na KAILANGAN MO KAHIT WALA KANG DEPENDENT DAHIL HIGIT SA LAHAT PARA YAN SAโYO. At di kailangan mahal. Maraming coverage na pasok sa budget. Buksan mo kasi yung message ng financial advisor saโyo ng malaman mo. ๐
At bakit we give little importance sa death? IT WILL HAPPEN. When? Walang nakakaalam kaya dapat prepared ka. Mangyayari at mangyayari. Kahit nga si Superman namatay! โ ๏ธ Dahil ba patay ka na at walang umaasa saโyo, okay na? Tapos na? Ano ka alien biglang magiging abo? Gone with the wind? Pwede ka ba itanim lang sa bakuran?
Paano naman yung inaasahan mo? Pamilya mo? Baka meron ka nyan. Pagagastusin mo, pahihirapan?
Paano yung funeral and burial expenses? Sobrang mahal nyan! I experienced it when my father and lola died. Low, mid, or high range ba gusto mo na last respect? Yung itsura ng coffin, lapida, pati yung nitso o lote may presyo. Sa planet Earth, HINDI LIBRE YAN. Last moment mo sa mahal mo sa buhay di mo pa aayusin? ๐
Tapos paano yung mga naiwan mong utang o gastusin sa hospital? Babayaran mo sa kabilang buhay? WALA KANG KARAPATANG MAGMULTO KUNG NAGING SAKIT SA ULO PAGKAMATAY MO, OKAY? ๐คฆโโ๏ธ๐คฆโโ๏ธ
Hindi ka naman biglang maglalaho na lang. Magastos mamatay at mamatayan. Kung marami ka ng pera, go! Pero kung gusto mo ng maliit na gastos pero maraming benepisyo, life insurance is the answer. ๐
Kaya life insurance policyholders can be considered millionaires dahil may sigurado silang pamana sa pamilya nila. ๐ May maiiwang magandang buhay hindi sakit sa bulsa. Make sure lang na lakihan mo na coverage mo habang maaga.
Kung hindi mo gusto na ang death benefit mo ay mapunta naman mo sa pamilya mo, pwede rin! Choice mo yan. Saโyo yan. You can assign it to a church and foundation. Ask a financial advisor how to do it. โค๏ธ
Ang daming pakinabang ng life insurance sa buhay natin. That's the reason why the Department of Education (https://www.deped.gov.ph/wp-content/uploads/2021/06/DO_s2021_022.pdf) decides to include the discussion of insurance, investment, and savings in the curriculum. Kasi naman pati sa financial advice, may fake news at maraming trolls. ๐คญ
Hindi lang pang-breadwinner ang life insurance. Kasama na dyan ang mga bread eater, well, lahat ng humihinga! ๐
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