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RE: The MOST Important Financial EQUATION!
Meron ako 1M lang sa Pioneer pero pinabayaan ko na loan ko hahaha mas gusto ko sa SSS maglagay pera kasi pwede mo itigil o ituloy anytime at pwede magbayad thru Coins.ph 😊
Hellooo. Andito ka rin pala nangangapitbahay he he. Sayang coverage mo. Kinain na ng interest ng loan mo ang cash values at dividends ng policy mo. Pero at 44 pwede ka kumuha ng bago combination life and investment program. For 1M you only pay mga 2k a month or less. Believer ka pala ng life insurance. Impressive. Konti pa lang sa Pinas ang aware nito. You're ahead of your time mam.
Loan? Bkit loan? Insurance may loan?
Meron kambal yung plan ko eh 😂
Ay waw... Dun ka n lng s walang loan. Meron nmn insurance n walang loan ah? D ko maisip bkit may loan. haha
Ano 'to may kasamang kotse or motor? Ndi ako familiar s Pioneer eh... Life insurance b yan? Parang wla nmn Pioneer ah?
Life insurance ang Pioneer. Malaki din ito na company. Pero if you want to know the top 5 Life Insurance Companies are 1. Axa Life 2. Insular Life 3. Philam Life 4. Pru Life 5. Sun Life. Any of these companies can give you a good life insurance na may kambal na (hindi loan) investment program para if you live too long meron kang retirement fund.
Oh ok po. Bkit wala ang Manulife? Haha based on popularity po b yan? D ko tlga alam yung Pioneer.
Ang alam ko lang most of the above plus Prudential and of course Manulife. 😂
No. 6 ang Manulife.
Oh I see. In terms of popularity po ba yan? Or number of clients or saan po?
2016 Philippine Life Insurance Companies ranking based on Assets, although the positions were interchanged but still silang 5 pa rin. No. 7 pala ang Manulife. Bale correct ranking of top 5 are Philam, Sunlife, Insular Life, Axa and Pru Life : ()
Ang Pioneer is ranked 13th at 10.7B in assets.
Thank You po magaling lang yung unit manager na nameet ko noon parang nahypnotized ako hindi ako nakatanggi
hahaha :-D
Ayun, kaya naman pala naglapse. Kinalimutan ka ng i-follow up ng ahente he he. Nawala yung hypnosis. But joking aside (may post nga pala ako bago panay jokes he he kung type mo tumawa) kumuha ka ng bagong plan. Kayang kayang bayaran ng mga cents mo ang premium. Hindi naman kamahalan. Unsolicited advice lang naman : ()
Yoko na po ng plan mas gusto ko na lang talaga SSS kasi ok lang anytime maclaim ng beneficiaries tama na yung may burial hahaha 😅
Sabagay. Wala ka pa namang dependents yata.
Traditional insurance policies before such as whole life, limited pay life, endowments have cash values. Cash values came from your premium payments, coupled with investments, it increases each year as it reaches toward maturity. At maturity, say a 20 year endowment will mature after 20 years, cash value is already equal to the insurance coverage. In between now and maturity, in case of emergency, you badly need cash, you can borrow the cash value of your policy in the form of a policy loan. I hope it makes sense to you now even with all the technical jargon.
Ok. Not sure if that's what she did but thanks for the info.
Sayang mam, a 1 Million insurance coverage maybe today is not that much but it still 1 Million cash to your loved ones if something happens to you. In financial planning, after setting up your emergency fund, the next step would be protection planning, that is, life and medical/hospitalization insurance. A single illness or a death of the breadwinner can wipe-out the savings of a family. SSS is not enough mam kasi I think the highest pension you can get is P 15,000 per month. I don't know if you can live comfortably with 15k with all the skyrocketing expenses today. Burial assistance is only 25K may be enough for a decent casket but not enough for the funeral services and memorial lot. You really have to augment it through your own savings and investment. Getting a life insurance is one way and the easiest way to prepare for life's eventualities. Remember, there are 2 things in life that are inevitable and inescapable: Death and Taxes!
So mauna yung health insurance tlga kesa VUL? Meron naman health add ons po ung VUL pag starting ka p lng mg-insurance keri lang yun d b?