Ronald Castillo, Financial Advisor , AXA Philippines

To all our Beloved AXA clients 💓
This is our good news for you ☺️


Thank you AXA 💙

To all my AXA clients,

So the market went crashing in the past few weeks. This has been a cause of concern to many along with the COVID-19 pandemic. So "what are its implications to our respective insurance/investment plans?"

1. For those with investments (Asset Master and AmbitionX) hold on to your investments. Our economy is geared to outlast this because our fundamentals are stronger than ever. Do not withdraw... Hold on to your funds... I also DON'T advice switching funds at this moment. Top up is okay if you have excess funds as fund prices are really low in both local and international indices and to rebalance the Portfolio.

2. For those with regular-pay VUL programs (Lifebasix, Axelerator, Retire Smart) your policy has a guaranteed amount whatever happens. Your Hospitalization and critical illness (if there's any), and death benefits are all guaranteed. Re the investment portion, now is a good time for additional top- ups to continue building up your fund value. And again, do not withdraw and do not switch funds.

3. For those with traditional plans (Assure, Healthmax, Health Start, Flexiprotect), don't mind the stock crash, your benefits are guaranteed.

4. For those Global Health Access (GHA) HMO (No limit and whichever hospital and doctor) and with Healthmax and Critical Illness Riders, we got your hospitalizations covered. We got your back.

5. For those who haven't started investing yet, consider this a great opportunity to start.

If you have any questions, please feel free to message me.

In times like this, (community quarantine, forced leaves, distant contact and such) your emergency fund is your first line of defense, make sure you have one.

Thank you.

What is a Paper Profit (Paper Loss)?
A paper profit or loss is an unrealized capital gain (or capital loss) in an investment. For a purchased long investment, it is the difference between the current price and the purchase price.

For a sold or short investment, it is the difference between the price when sold short and the current price. Paper profits or losses only become realized, or actual money profits or losses, when the investment position is closed.

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To all my clients and co investors direct or indirect, VULs or through Financial Flatforms, It may be too cliche sounding, but we all know that in crisis like this is an opportunity for us to gain more. Do not panic and let your investments rest to not realize the paperloss. THIS IS THE BEST TIME to do top ups and get another investments. Red boards and down ward trails are inevitable during these times, it is not just your investment but the whole global economy due to crisis that is causing it.

For your concerns and further needs please do not hesitate to contact me. Be safe!

(This public post was given permission by Mommy Lillian)

2 years ago, one of our client passed away from a landslide accident. The client was paying 2K monthly for 10 months before the unfortunate incident.
The client is a 22 year old bread winner with young siblings. After processing the claim requirements, AXA handed a check with a substantial amount to the family. We were having mixed emotions that time. A young life lost na walang may kagustuhan na mangyari.

Now, Mommy Lillian, asked us to share the importance of being covered to her friend . She contacted her advisor Melinda Bernardez and requested for an appointment for a Financial Needs Analysis. Eventually, her friend fully understood the significance and signed a policy for herself.

"Life Insurance is like a parachute. If you don't Have it the first time you need it, there is no second chance."

(c) Icang Quinto

I'm sick of Financial Advisors scaring and guilt tripping people into buying life insurance.

"May kakilala ako na di ako pinansin dati tapos ngayon may cancer na"

"Wala ka pa rin insurance? Ingat!" *insert John Loyd Cruz meme*

They're not wrong. Not having insurance can have dire effects. But they're not helpful either.

Although I can't blame those Financial Advisors, once in my career I tried that "marketing strategy" too. But one statement from a friend who is not a Financial Advisor changed my whole perspective about life insurance.

"Nung nakuha ko yung una kong insurance, parang nabawasan yung takot ko."

"Nabawasan yung takot?", I thought to myself. What does that even mean?

Then I tried as hard as I can to look back to the time I got my first insurance plan when I was just 21 years old.

He was right. Nabawasan yung takot ko sa pagtawid ng pedestrian lane. Nabawasan yung takot ko sa mga rides involving height (I have fear of heights, malala). Nabawasan ba yung takot ko mamatay?

Not really just that. Nabawasan yung takot ko sa mga bagay na nakapaligid sa akin.

If you do a 5-minute scroll through your Facebook feed, what will you see? There is a viral outbreak, impending wars, ongoing wars, burning forests, crashing markets, and things that are volatile, uncertain, complex, and ambiguous, or VUCA, as told by Warren Bennis in 1987.

Warren Bennis was right in 1987 but we didn't care that much. We didn't know what was happening in the opposite side of the planet. But now we do because of social media. The VUCA world has amplified effects on our perspectives.

Does life insurance have to do anything with this?

Life insurance gives policy owners certainty in the midst of the world's uncertainties.

What are the things most frequently mentioned in the news today? Just three things; health threats, life threats, and economic/financial market threats.

Guess what? These are also the three main things covered by an insurance plan. An insurance plan gives its policy owner financial coverage on health threats, death, and market crashes especially for plans with guaranteed cash values.

Also, here's an excerpt from a study by California State University in 2017:

"... But they also found that those who had no health care coverage scored 16 percentage points lower on life satisfaction than those with health coverage—a significant difference in happiness."

Just being covered, without having claimed benefits yet, already has a positive effect on a person's happiness.

Are these all just coincidence? I personally don't think so.

Many argue that insurance is the FIRST EVER formal concept in finance and economics. Some even say it's a pillar where finance and economics are built upon.

Since the beginning, we humans have been looking for a way to create some form of certainty in a very uncertain world.

So do I think that insurance is an escape? That's what I thought at first.

But I now think that insurance is one of the ways to REALLY take on the adventure that is called life.

Usually, ang laging rason natin, mura lang naman yan....pero ang di natin namamalayan, yung pa konti konting gastos eh malaking tulong na sana para sa tamang savings and investments na syang makakatulong pagdatingng matinding pangangailangan....gusto mong pag usapan natin? Or wag na at humingi ka nlng ng tulong sa PCSO, PAGCOR, GOV at iba..

Your CALL!!!

AXA’s HEALTHMAX is the best health insurance product in the market today for as low as P75/DAY!

- Health Max guarantees medical coverage until age 100
- Health Max has a comprehensive list of covered major conditions including the most common and top diseases such as heart attack, stroke, and cancer as well as minor conditions, excluded by other health plans, such as early form of cancer, and angioplasty.
- Depending on your current situation, choose the amount of coverage you need. You can start with P1 million or opt for the maximum coverage of P10 million to fund substantial costs of treatment and procedures.
- Advance Health Fund - You have the option to withdraw a portion from your health coverage

Your HEALTH is your most important asset. Now you can stop worrying about your medical bills because AXA got you covered!

Message us now!

REAL TALK:
Monthly: 3,956.75
Paid Months: 8 months only
Total Amount Paid: 31,654 only
Profile of the client: Employee
AMOUNT CLAIMED: 1,000,000 IN CASH!

PLAN: HEALTH PROTECTION (Guaranteed) against MINOR and CRITICAL ILLNESSES such as Stroke, Big C, Heart Disease, Diabetes, Pneumonia, Dengue, Hepatitis, etc.

Message me for sample quotation, it’s FREE! 😊👌🏻

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Yes! Life insurance with investment!

Ang hirap makaipon ng Milyon pesos diba?

Pero kung parent ka at gusto mo ipag ipon ang anak mo ng milyon,start ka ng maaga para habang lumalaki ang anak mo nakakaipon ka ng milyon para sa kanya in a way na hindi mo masyado nararamdaman at the same time naka insured na kayo ng anak mo habang pinag i'invest mo siya, surely you can save a Million for you and your child in the future.

Ask me how.



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I always tell mg Client di kailangan mainit or malamig or kailangan hintayin ang Bonus 🙂 sa 50 pesos a day mo kayang kaya magkaroon ng IPON.

Tara usap tayo

(c) Byaherang Advisor

2 lives got secured this month of January! 🙌🏻

Ikaw kelan mo balak simulan? Let me help you! Hindi masamang magtanong, libre lang ☺️

Gusto mo ba ng kumportableng buhay kapag nag-retire ka?? DAPAT ADVANCE KA MAG-ISIP! Habang maaga pa, habang malusog ka pa at kaya mo pang magtrabaho, paghandaan mo na ito. Save and Invest NOW!
Mag-tanong, pag-aralan at planuhin ang iyong retirement.

I can assist you in your Financial Planning. Tara, usap tayo!

Nakakatawa pero totoo. Karamihan narerealized lang ang value ng health insurance kapag na diagnosed na ng critical illness.

Ano nga ba ang concept ng health insurance?

Simple lang. Risk transfer.

Sinasalo ng mga insurance companies yung risk ng pag babayad sa hospital kapag ikaw ay na diagnosed ng critical na sakit kapalit ng mas mababang premium.

The younger the insured is, the better kasi mababa lang yung risk therefore maliit lang din yung premium. Now habang tumatanda yung insured, tumataas rin yung risk na siya ay tamaan ng critical na sakit kaya mas malaking premium rin ang kanyang dapat bayaran.

Pero by the time na nadiagnosed ka na ng critical illness, kahit doblehin or triplehin mo pa yung premium mo eh hindi ka na insurable dahil andun na yung risk at hindi mo na ito maittransfer samin.

Message me😉
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DON’T LET THIS BE YOUR STORY!

Madalas kapag ang breadwinner (example si mister) ay kinausap na kumuha ng life insurance, laging ang sinasabi ay ipapaalam muna kay misis. At madalas si misis pa ang kontra, kesyo may kung anu-anong tsismis ang narinig about life insurance. Pero hindi ba nila naiisip na KAPAG MAY NANGYARI KAY MISTER AT NAKAPAGCLAIM SA INSURANCE AY SILA RIN ANG MAGBI-BENEFIT? Eh kapag walang life insurance, at nangyari ang hindi inaasahan kay mister, SINO ANG KAWAWA?

Magtanong, makinig at pag-aralan mo ito, kapatid. HINDI GASTOS ang LIFE INSURANCE. Bagkus, ITO ANG MAGBIBIGAY SAYO NG PERA o sa PAMILYA MO SAKALING MAWALA KA.

We all need affordable health insurance.

Allow me to share with you how you and your family can save millions in medical expenses and loss of income due to critical illness by setting aside only 5% of your monthly income. I have friends just setting aside a little over 1000/month.

You can opt to pay for only 10 years. But you're covered until age 100!

From the time you started the plan until age 100, would you know your state of health? Well, in that long span of time, you'll have the peace of mind knowing you're covered.

Even the healthiest of us could get critically ill in a snap.

And if you don't get to use the benefits of the plan because luckily you're healthy, you can get your premiums back in your golden years. Also, it doubles as life insurance in case the worst happens! Your beneficiaries can claim all that is left from your health coverage!

Please PM me if you want this for you and your loved ones. No harm in just asking. No commitments!

AXA STILL RANKS FROM THE TOP.🙂
proud to be one
Choose the life you can.

Para sa Financial Advice and Free Financial Consultation, libre lang! Parang ritemed lang yan “wag kang mahihiyang magtanong” ☺️

Set an appointment now, so that we can assess where you can start and how!

Let me help you!

We easily refuse to get Life Insurance because we already have one at work. Yea?

TAMA! 😊 It is really perfect if you are planning to WORK forever. However, when you resign, your Life Insurance at work also ENDs. ☹

What if I offer you a Life insurance at affordable price that will secure you for a lifetime? Which also includes an investment at stock market that will let your money grow through time? 💯

Now, sino ba talaga ang kelangan kumuha ng life insurance? 🤔 》 LAHAT tayo! 😯 wala sa yaman o hirap ang kumukuha ng life insurance.

✅ dahil naipapakita natin dito ang pag mamahal natin sa mga maiiwan natin.
✅ mag kakaroon ka ng peace of mind na makakatapos parin ng pag aaral ang iyong mga dependents/ sinusuportahan
✅ magkakaroon ng enough na panahon ang iyong mahal sa buhay upang mag adjust emotionally and FINANCIALLY 💕👌

Eh para saan naman ang Investment? 🤔 》eto ang magsisilbing living benefit mo na kung saan ay maari mong magamit as/for:

✅ another source of income
✅ child's education
✅ retirement fund
✅ or iwan din para sa mahal sa buhay

You don't have to start big, you just have to start NOW!

Your thoughts.
A lazy boy & a blanket.
This is one of the most expensive rooms in the country today. Why? Because every person sitting here is paying P30,000 to P150,000 for a 2 hour-session of chemotherapy. And sessions are every 1-2 weeks.

That is how expensive treatments are here in the Philippines. Poverty could be one hospital admission away when illness strikes.

We don't want this to happen to anyone. But when this happens, would you rather be prepared or not?

It pays to be prepared. Think about it.

Why AXA?

AXA Group is a worldwide leader1️⃣ in insurance and asset management🌍, with 171,000 employees serving 105 million clients in 64 countries.

AXA Philippines is one of the largest and fastest growing life insurance companies in the country📈. Offers individual and group life insurance as well as general insurance through its wholly-owned subsidiary Charter Ping An.☑️
The first🔝 to introduce bancassurance operations in the country🏦, and is among the pioneers in the investment - linked insurance sector. AXA Philippines is a joint venture between AXA Group, GT Capital Holdings, and Metrobank one of the Philippines largest financial institutions.

1. Algeria🇩🇿
2. Argentina🇦🇷
3. Australia 🇦🇺
4. Azerbaijan🇦🇿
5. Bahrain🇧🇭
6. Belgium🇧🇪
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34. Netherlands🇳🇱
35. Nigeria🇳🇬
36. Norway🇳🇴
37. Oman🇴🇲
38. Panama🇵🇦
39. Peru
40. Philippines🇵🇭 ❤️
41. Poland🇵🇱
42. Portugal🇵🇹
43. Qatar🇶🇦
44. Russia🇷🇺
45. Saudi Arabia🇸🇦
46. Senegal🇸🇳
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56. The United Arab Emirates🇦🇪
57. Turkey🇹🇷
58. Ukraine🇺🇦
59. UK🇬🇧
60. US🇺🇲

For All that you value, choose AXA! 😉
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Sanayin ang sarili na gagamit lang ng credit card for points o online purchases na KAYA MONG BAYARAN NANG BUO. 💰

Dapat may separate savings ka for emergencies. Wag masanay sa paghiram, build your own funds. 🙂

Yes, we are thankful that we have our HMOs.

We are only covered until we are employed.

But AXA can give you coverage till age 100.

Covering 56 Major critical illness and 18 minor critical illness.

We will give you reward if you stay healthy, and you have us as your back up when you get sick.



Ask me how, PM now 😊

It either you walk unprepared or walk ready and comfortably.

Prepare for your retirement!
Let me help you!