The Kuripot Investor

26/07/2020

Mahal nga ba ang insurance?

Kung gusto mo ng coverage at very minimal cost, get TERM INSURANCE.

Cheapest form of life insurance and perfect for those who would like to start financial strategy.

Do you want to get your own Term Insurance Policy now?

The good thing we can apply it ONLINE, message me🙂

*Sample illustration shown is Sun LifeAssure

PM is key 🔑
Ctto

02/07/2020

Before you tell someone that Life Insurance is not important, first ask these people.

Once in their lives will be visited by one of the ODDS.
OLD AGE
DISABILITY
DEATH
SICKNESS

Question is, ARE YOU PREPARED ENOUGH?

Message me for a free quote. 👍😀

____________________
Credits to Wise in Money
Content Credit: Yosef Brian E. Villanueva.

02/03/2020

Planning to get a VUL?

With a VUL or Variable Universal Life, you enjoy the benefits of TWO IN ONE: life insurance to protect your family, and an investment to secure your future.

When should you start a VUL? It's best to START EARLY as premiums are cheaper, while your investment returns are higher.

If you want to learn more about a VUL, just send me a message and I'll be happy to answer your questions. 🙂

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Here to help you, send us a direct message .

Dolly Kristine Gimena 09778292778

01/03/2020

True!

Tara usap tayo, message me.

27/02/2020

Kalimutan na natin ang maling paniniwala sa Insurance.

Sa Traditional Life Insurance, Oo, ang mga naiwanan mo lang sa buhay ang makikinabang.

Pero ngayon, meron na kasing Variable Unit-Linked Insurance. Variable Unit-Linked Insurance ay Life Insurance na may katumbas na Units. Ang mga Units na katapat noon ay ang syang ipupuhunan pambili ng Bonds o kaya naman ay Stocks. Sa pamamagitan ng noon ay kikita ang iyong units. At sa ganitong Insurance maari ka pang magdagdag ng tinatawag na Insurance Rider katulad ng Life Care Benefit. Ang Critical illness Benefit ay binibigay na halaga sa Insured kapag ikaw ay nagkaroon ng isang malubhang karamdaman katulad ng Cancer. At marami pang ibang Insurance Rider.

Sa Variable Unit-Linked Life Insurance ito na ang mga maari mong pakinabangan:
1. Life Insurance
2. Savings
3. Investments
4. Critical Illness Benefit (kapag meron Insurance Rider ang iyong policy)
5. Ang Fund Value na may kita sa investment sa bonds o stocks ay maari mong mawithdraw pagdating ng tamang panahon na maaari mong gamitin sa Retirement o sa pagpapaaral ng iyong anak - Tuition Fee o pambili mo ng Sasakyan, Lupa’t Bahay o pampuhunan mo sa inaasam mong Negosyo.

Ang dami di ba!?

Marami kang pwedeng makuha. Maniwala ka!

Mag-umpisa ka na ngayon mag ipon!

Huwag ka nang mag-aatubiling i-message ako for a free quote.. Tara usap tayo!

CTTO

24/11/2019

Usapang SUN SMARTER Life ELITE Peso 5/10 and VUL 🙂

Anu ang Sun smarter Life Elite Peso 5/10?
Ito ay 5/10 year payment whole life insurance na merong GUARANTEED Cash Value or merong guaranteed anticipated Endowment benefit.

Nagbibigay si Sun Life ng 8% GUARANTEED cash benefit upon full payment of the policy until 100 years old and 2 years there after.

Anu daw?
Magbibigay si Sunlife ng 8% guaranteed ng face amount pagkatapos bayaran ang policy, tapos kada 2 taon ang pagbigay hanggang tumanda ka until 100 years old. Diba ang ganda, nag p pension ka until 100 years old.

Anu ang PROS ng Sun Smarter Life Elite 5/10...
- double ang face amount upon death
-merong syang GUARANTEED 8% na endowment benefit
-meron kang dividend (not guaranteed ,projected 3%)
-maganda sa child's educational fund from 0 to 10 years old
-ikaw ang bahalang ilipat sa anak mo ung cash benefit, until magka apo ka, meron kang makukuha until 100 years old.
-sa laki ng face amount ,sa laki ng 8% na mabibigay
-merong waiver of premium kapag namatay ang nagbabayad ng policy, ibig sabihin secured ang education ng bata kahit mawala ka sa mundo ng hindi inaasahan ( wag man sana), makakatanggap sya ng pera until 100 years old.
- maganda sa Ayaw ng VUL, since ayaw nila I invest sa stocks ang pera nila.
-maganda sa taong sigurista
-may paying period na 5 years or 10 years
-merong Accidental Death at Total Disability Benefit

Eh panu naman ang CONS nito..
-Puede sa CLASS A, na merong budget na 20,000-50,000 per month para sa plan nila
-hindi puede sa maliit ang budget
-hindi ka naghahawak ng shares ng top companies sa pilipinas (shareholder)
-hindi ka naka invest sa stocks,money market, bond

Eh panu naman ang VUL
-puede ito sa maliit ang budget,it's a affordable plan for everyone.
-flexible ang payment period
-ok sa long term investing
-mura kesa sa Elite 🙂

🙂 🙂 🙂
For example if you have
1,000,000 face amount..
8% is 80,000

Child: 0 years old
If 10 years ung payment,

11th year : 80,000 + dividend
13th year: 80,000 + dividend
15th year: 80,000 + dividend
17th year: 80,000 + dividend until 100 years old 🙂 🙂 🙂

Eh panu kung 2,000,000 face amount
8% is 160,000 + dividend until 100 years old 🙂 🙂 🙂

*** the lowest face amount is 200,000
***puede mong ipunin yung pera
***kahit saan puede mong paggamitan ung pera
*** puedeng gamitin as pension

Happy Learning 🙂

CTTO

11/11/2019

Sad truth if a person fails to plan his estate, there's a chance that what you have worked hard to accumulate, will not go to it's rightful heirs.

Or, worst, the heirs might be burdened with liquid funds to pay off the estate taxes.

One quick fact, life insurance is a cost-effective solution. Feel free to consult with your lawyer, accountant or Financial advisor. 😉


Credits to the owner

05/11/2019

05/11/2019

True # hugot

Photo ctto

05/11/2019

66% of pinoy don't have savings.

"Kung krimen ang walang savings matagal na ko nakakulong"

Ctto

28/10/2019

For as low as 79 per day you can enjoy the benefits:
(Based on a plan for 25 year old male, 10 years paying)

✔Preparation for retirement (age 60) worth Php 3,340,275 "Projected return not guaranteed, Variable but average return is 10%"
✔Insurance Coverage of Php 1,000,000
✔Critical Illness benefit of Php 500,000

FAQ about VUL:
-Hindi after 10 years yung 3M, they started at age 25 projected return at age 60 yung 3.3M.

Saan nag-iinvest?
Sa stocks (SM,BDO,AYALA etc) bigc companies we have here in the phil

Magkano ang gain dyan?
if you're expecting in less than 5 years gain, VUL is not for you. VUL is really for long term More than 10 years, pang retirement talaga or kung may mag-college kang anak ng more than 10 years from now.

How much?
Nag vary ang monthly payment nito sa age,smoker or non, work and sa coverage na kukunin mo.
Note: as we age mas nagmamahal ito.

How to open?
-1 valid ID
-Signing of form (not applicable online we need to meet to sign forms)
-First quarter premium

Feel free to send us a Private Message

Credits to Wise in Money.