PRULife UK Advisor - Charmaine Chavez

𝗛𝗲𝗮𝗹𝘁𝗵 𝗖𝗮𝗿𝗱 (𝗛𝗠𝗢) 𝘃𝘀. 𝗛𝗲𝗮𝗹𝘁𝗵 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲

Ano ba difference ng HMO sa Health Insurance?🤔

Sabi nga ni kuya Kim, lamang ang may alam 👌🏻

Client: Hindi ko na kailangan ng Insurance, may health card naman kami sa company.

Did you know?
𝗪𝗲 𝗻𝗲𝗲𝗱 𝘁𝗼 𝗵𝗮𝘃𝗲 𝗯𝗼𝘁𝗵 𝗛𝗲𝗮𝗹𝘁𝗵 𝗖𝗮𝗿𝗱 𝗮𝗻𝗱 𝗛𝗲𝗮𝗹𝘁𝗵 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲. Health card can help with regular medical expenses, while insurance can step in for more serious cases like critical illnesses that could consume your HMO limit.

At kapag dumating ka sa point na gusto mo nang umalis sa company mo, mawala man ang HMO mo, may insurance ka pading sasalo sayo.😊💯

You might consider getting a Health Insurance soon!

Message me to know more. 📩

Share this if you find it interesting 😁

𝐒𝐭𝐚𝐫𝐭 𝐭𝐡𝐞 𝐲𝐞𝐚𝐫 𝐰𝐢𝐭𝐡 𝐩𝐞𝐚𝐜𝐞 𝐨𝐟 𝐦𝐢𝐧𝐝 ☺️

Make 2024 a year for financial breakthroughs and financial security. Having a life insurance policy is a sure way to secure you financial future.

Start for as low as 70pesos/day only!
PM me to get more details and for a free financial wellness check 📩

𝐂𝐡𝐚𝐫𝐦𝐚𝐢𝐧𝐞 𝐂𝐡𝐚𝐯𝐞𝐳, 𝐂𝐈𝐀
Licensed Financial Advisor

𝟐𝟎𝟐𝟑 𝐰𝐚𝐬 𝐚 𝐬𝐮𝐜𝐜𝐞𝐬𝐬 ❤️

Thank you clients, for your unwavering trust and support. With your help, we were able to achieve the national level recognition 🏆

Yours truly is recognized as a National Achiever's Club qualifier. An award given to only the top 10% of financial advisors in PRULife U.K. nationwide.

Let's continue to help more Filipinos achieve financial security through the right financial tools.

"Charm, may health card naman ako, di ko feel na need ko na ng Insurance."

Lagi ko itong naririnig sa friends ko kapag inaalok ko sila for a discussion, in the end di ako makapag discuss sa kanila because of their position about insurance. Sana talaga enough yung health card nila sa possible na maencounter nila. 🥺

Here's a good example.

Dra. Claudine Ordoñez, a surgeon that specializes in handling patients with breast cancer, gave us insights on how much it would cost if an individual will be diagnosed with such critical illness.

The financial damage would amount to a whopping ₱2,394,500.00 just for medical bills alone. Lost income, recovery expenses, emotional distress, work & family adjustments are still not included in this computation.

Friends, we are always praying that it will not happen to us, but these events cannot be controlled. No one can really guarantee that he or she is safe from cancer no matter how healthy his or her lifestyle is. So please have an adequate critical illness coverage. Please have an adequate insurance program.

CTTOO

𝟐𝟎 𝐃𝐀𝐘𝐒 𝐓𝐎 𝐆𝐎 𝐁𝐄𝐅𝐎𝐑𝐄 𝐂𝐇𝐑𝐈𝐒𝐓𝐌𝐀𝐒 🎄

Baka nag-iisip ka pa ng gift mo for yourself and sa mga mahal mo sa buhay besh, eto na yon! Tutal every year ka din naman nagreregalo, itodo mo na! Gulatin mo sila!

Kuhaan mo na sila and self mo ng 𝐕𝐔𝐋 𝐏𝐋𝐀𝐍! 🎁

𝐁𝐞𝐬𝐭 𝐆𝐢𝐟𝐭 for yourself and your 𝐅𝐀𝐌𝐈𝐋𝐘! 🥰

Nakapag-𝐈𝐏𝐎𝐍 ka na, 𝐈𝐍𝐒𝐔𝐑𝐄𝐃 ka pa ❤️

Tara pag usapan natin yan. 🫰🏻

Life insurance is like a basic safety step in your financial plan. It's there to make sure that if something unexpected happens to you, your family will have the money they need to keep going.

Everyone's story has the same end; we just don't know when. That's why having life insurance is smart. It puts a safety net under your family's future.

Think of your money plan like building a house. You wouldn't start with the roof, right? You'd start with a solid foundation. Life insurance is that foundation. It protects your family's future, so you can then focus on growing your savings and sharing it out when the time is right.

Make sure your financial house is built on solid ground. Start with life insurance, and then build up from there.

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If you’re a financial advisor looking to upgrade yourself to better value add your client, I’ve prepared a book for you here: www.financialplanningbook.com

OFW & Seafarer Savings Program ❤️

Protect the future you're working hard to build.
Check out our Best selling plan for OFWs and seafarer, insured ka na may ipon ka pa.

Enjoy these benefits:
📍Retirement Fund
📍Critical Illness Coverage
📍Accident & Disability Coverage
📍Medical Reimbursement
📍 Daily Hospitalization Allowance
📍 Life Insurance

📩 Send me a DM today to discuss your options and your goals.

Guide kita in your financial journey 😍

Charmaine Chavez, CIA
Licensed Financial Advisor
Certified Investment Advisor
PRULife UK

Discover the significance of safeguarding your income. Here are 4 key points on "Income Protection: How Disability Insurance Enhances Financial Security":

1. Understanding Disability Insurance
A lifeline when illness or injury prevents you from working. With Short-Term and Long-Term Disability options, you can ensure a consistent income stream regardless of the duration of your recovery.

2. Why Disability Insurance is Crucial
Accidents and illnesses are unpredictable. Instead of draining savings or relying on minimal government support, disability insurance provides a reliable source of income, helping cover living costs and medical bills.

3. The Benefits of Disability Insurance
Beyond income replacement, some policies offer support for rehabilitation, therapy, and vocational training, while also allowing customization, like cost-of-living adjustments, to match your unique needs.

4. Choosing the Right Policy:
Disability coverage varies. By understanding policy details, you can optimize premium costs, select an appropriate coverage amount, and ensure the duration matches potential recovery periods.

Stay prepared and safeguard your financial future with disability insurance. Reach out to a financial advisor to navigate the best options for you and your loved ones. 🛡️

"Discomfort is what happens when we are on the precripice of change"

- 101 essays that will change the way you think (Brianna Wiest)

𝐖𝐇𝐀𝐓 𝐈𝐒 𝐘𝐎𝐔𝐑 𝐆𝐑𝐄𝐀𝐓𝐄𝐒𝐓 𝐀𝐒𝐒𝐄𝐓?

Your greatest asset is not your money, your properties, or your businesses.

Your greatest asset is YOU!

Your health and ability to earn a living...

You should therefore protect your greatest asset... Stay fit and healthy,

And most importantly, BE FINANCIALLY PROTECTED. ❤

________

Message me to know more about Financial Planning!

Some say
"𝗡𝗘𝗫𝗧 𝗧𝗜𝗠𝗘 𝗡𝗔𝗟𝗔𝗡𝗚, 𝗗𝗔𝗠𝗜 𝗣𝗔 𝗚𝗔𝗦𝗧𝗢𝗦"

While others say:
"𝗦𝗔𝗡𝗔 𝗣𝗔𝗟𝗔 𝗡𝗔 𝗣𝗥𝗜𝗢𝗥𝗜𝗧𝗜𝗭𝗘𝗗 𝗞𝗢 𝗧𝗢 𝗕𝗘𝗙𝗢𝗥𝗘! 🥹"

𝘉𝘶𝘺 𝙇𝙄𝙁𝙀 𝙄𝙉𝙎𝙐𝙍𝘼𝙉𝘾𝙀 𝘸𝘩𝘦𝘯 𝘺𝘰𝘶 𝘥𝘰𝘯'𝘵 𝘯𝘦𝘦𝘥 𝘪𝘵.
𝘊𝘰𝘻 𝘰𝘯𝘤𝘦 𝘺𝘰𝘶 𝘯𝘦𝘦𝘥 𝘪𝘵, 𝙔𝙊𝙐 𝘾𝘼𝙉'𝙏 𝙂𝙀𝙏 𝙄𝙏.
You're not dealing with 𝗠𝗘, you're dealing with your 𝗧𝗜𝗠𝗘, your 𝗛𝗘𝗔𝗟𝗧𝗛, and your 𝗠𝗢𝗡𝗘𝗬.

Start yours today with me as your lifetime financial advisor! 💯

Sometimes, it makes sense to call REJECTION 🚫 as REDIRECTION ↩️

Choose to secure your future this 10.10 ❤️
for as low as 100pesos/day lang, insured ka na may ipon ka pa!!

📩 PM mo lang ako at tutulungan kita na planuhin ang financial future mo 😊

Isang dahilan kung bakit gusto kong mainsure ang mga OFW at mga Seafarers.

Even if you are in abroad, we can process your claims.🙏🏻
One of our clients, 29, was admitted in the hospital due to seizure in Singapore. The Doctor’s final diagnosis was CVT, a rare kind of stroke. We submitted her claim forms and medical records via email last July 12, 2022, Authenticated in Phil embassy in Singapore. Claim amounting of 1 Million pesos was approved after a week.
Yes in 1 week! 💯

Fullfilling what we promise in times of need.
Pru Life UK delivered.✅

My advocacy to secure not just my friends but also their loved ones.

Thank you for trusting us. 🙏🏻

Praying for your fast recovery, dear client!🙏🏻





P.S. Please get insured. I can help you. Send me a message.

CTTO

All. of. us. ✨️

What’s wrong with this Picture?

Your car has insurance.
Your house has insurance.
Your other assets have insurance.
People tend to protect acquired things but they forget to protect the most important ones.

Protect yourselves first. Be insured today.

"You are your greatest investment."
- George Matthew Adams

❤️

Protect your future for as low as 100pesos/day!

Get these benefits in just one policy:
- Life insurance
- Accident coverage
- Disability coverage
- Critical illness coverage
- Hospitalization allowance
- Medical reimbursement
- Growing investment fund

Need to know more? Send me a message to schedule a FREE appointment.

Achieve your dreams with us as an Insurance and Investment Broker! 🤩

-Earn Unlimited Income
-Own your time
-Work from home or Field Set Up
-Part time or Fulltime
-Be the owner of your own Insurance Agency
-Enjoy International and Local Travel Rewards

Check out our Career Preview through zoom!
📩PM for more details

Pru Life UK is one of the standout brands and organizations that topped the inaugural PH Best in Customer Service 2023 survey.

Check the full list here: inq.news/PHBestCS2023

The PH Best in Customer Service 2023 is conducted by Philippine Daily Inquirer and Statista from April 12 to May 17 among Filipino respondents.

Kailangan paba natin ng 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘?

-𝐘𝐄𝐒, kasi hindi tayo palaging malakas at mahal magkasakit.

-𝐘𝐄𝐒, kasi we love our family, at least we have peace of mind.

MAHAL KASI YAN!
-𝐍𝐎, if we love ourselves and our family, money is not an issue 𝐲𝐨𝐮 𝐜𝐚𝐧 𝐬𝐭𝐚𝐫𝐭 𝐬𝐦𝐚𝐥𝐥.

𝘠𝘰𝘶 𝘤𝘢𝘯 𝘣𝘦𝘨𝘪𝘯 𝘸𝘪𝘵𝘩 𝘴𝘮𝘢𝘭𝘭 𝘴𝘵𝘦𝘱𝘴, 𝘮𝘺 𝘧𝘳𝘪𝘦𝘯𝘥. 😉

Attended a 2-day leadership training in Tagaytay ❤️

This exclusive training is meant to help financial advisors advance their career in the insurance industry. Yours truly have been chosen to represent my clients and teammates to this prestigious gathering of the best leaders in the industry. 😍

Thank you PRU. Thank you Co-love community.

𝐆 𝐎 𝐀 𝐋 𝐨𝐫𝐢𝐞𝐧𝐭𝐞𝐝 fersons ba kamo? 😍

Sama mo naman yung pagkakaroon ng Life Insurance sa goal mo or goals niyo 🤜🤛
Either with your special someone/partner,👫 especially with Families syempre 👪.
Or mas close ka ba sa Barkada or beshies mo?🤸

If wala pa, make it happen by STARTING yours NOW. The rule to society progression is by having someone to start.🧑‍💻UMPISAHAN mo kasi, ika nga. Soon, everyone will follow. ☺️

Kaya START mo na. 💪

GET your Life Insurance now! And set this goal to make sure everyone you care for are secured and futureproof.

💌Message me to get started 🤗

Don't let your policy lapse. 📢

Pera na mauuwi pa sa peram ng pera.

Kailan dapat simulan ang paghahanda para sa pagreretiro? Kapag feel mo na? Hindi.

Sa oras na kumikita ka na. 😊


Message me to start planning for your retirement.

𝐋𝐢𝐜𝐞𝐧𝐬𝐞𝐝 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐏𝐫𝐨𝐟𝐞𝐬𝐬𝐢𝐨𝐧𝐚𝐥 ❤️

To serve my clients and future clients better, I am deficated to continuing to improve my knowledge and skills in the insurance industry.

𝐂𝐨𝐦𝐦𝐢𝐭𝐭𝐞𝐝 𝐭𝐨 𝐬𝐞𝐫𝐯𝐞 ❤️

I am honored to share this milestone with you, my dear clients. With your continued trust and support, we were able to qualify to the 2022 PRUService Mark Awards.

This international recognition is awarded to agency leaders and financial advisors who exceeded the standards of customer service.

Thank you everyone who are behind this success.

𝗖𝗼𝗺𝗽𝗿𝗲𝗵𝗲𝗻𝘀𝗶𝘃𝗲 𝗯𝗮 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗺𝗼?
𝗜𝗳 𝗵𝗶𝗻𝗱𝗶 𝗽𝗮, 𝗰𝗵𝗲𝗰𝗸 𝗺𝗼 𝗶𝘁𝗼. ❤

Anu-ano nga ba ang mga insurance benefits na dapat meron ka? 💭🧐

(This is just a sample proposal/quotation, if you want to request for a customized sample proposal, send me a message ☺️)

𝗟𝗜𝗙𝗘 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 - Sum Assured or Death benefit, upon approval, 2.9 million upon clients passing. Pag buhay parin si client ng 100 yrs old, ibibigay na sakanya ang 2.9M

𝗧𝗢𝗧𝗔𝗟 𝗣𝗘𝗥𝗠𝗔𝗡𝗘𝗡𝗧 𝗗𝗜𝗦𝗔𝗕𝗜𝗟𝗜𝗧𝗬 𝗕𝗘𝗡𝗘𝗙𝗜𝗧 - Kapag di maperform ni client ang ordinary things in life, 6 yun. 3/6 dapat masatisfy, ibibigay na ung cash benefit kay client.

𝗔𝗖𝗖𝗜𝗗𝗘𝗡𝗧𝗔𝗟 𝗗𝗘𝗔𝗧𝗛 𝗔𝗡𝗗 𝗗𝗜𝗦𝗔𝗕𝗟𝗘𝗠𝗘𝗡𝗧 - Kapag naputulan or nawalan ng parts ng body si client due to accident, entiteld siya dito to a certain percentage.

𝗟𝗶𝗳𝗲 𝗖𝗮𝗿𝗲 𝗕𝗲𝗻𝗲𝗳𝗶𝘁 - 36 Critical illness included here. Pag nandun ang sakit ni client, entitled siya sa benefit.

𝗗𝗮𝗶𝗹𝘆 𝗛𝗼𝘀𝗽𝗶𝘁𝗮𝗹 𝗜𝗻𝗰𝗼𝗺𝗲 - Kapag naconfine si client, kahit anong reason. Meron siya matatanggap per day kay PRU.

𝗪𝗮𝗶𝘃𝗲𝗿 𝗼𝗳 𝗣𝗿𝗲𝗺𝗶𝘂𝗺 𝗱𝘂𝗲 𝘁𝗼 𝗧𝗼𝘁𝗮𝗹 𝗮𝗻𝗱 𝗣𝗲𝗿𝗺𝗮𝗻𝗲𝗻𝘁 𝗗𝗶𝘀𝗮𝗯𝗶𝗹𝗶𝘁𝘆 - kapag nadisable si client, si PRU na bahala mag continue ng policy niya.

𝗣𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝗔𝗰𝗰𝗶𝗱𝗲𝗻𝘁 𝗥𝗶𝗱𝗲𝗿𝘀
𝗔𝗰𝗰𝗶𝗱𝗲𝗻𝘁𝗮𝗹 𝗧𝗼𝘁𝗮𝗹 𝗮𝗻𝗱 𝗣𝗲𝗿𝗺𝗮𝗻𝗲𝗻𝘁 𝗗𝗶𝘀𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝗮𝗻𝗱 𝗔𝗰𝗰𝗶𝗱𝗲𝗻𝘁𝗮𝗹 𝗗𝗲𝗮𝘁𝗵 𝗮𝗻𝗱 𝗗𝗶𝘀𝗮𝗯𝗶𝗹𝗶𝘁𝘆 - Kapag due to accident ung reason kaya nadisable or naputulan si client, may additional benefit from this rider.

𝗠𝘂𝗿𝗱𝗲𝗿 𝗮𝗻𝗱 𝗔𝘀𝘀𝗮𝘂𝗹𝘁 𝗕𝗲𝗻𝗲𝗳𝗶𝘁 - Kapag napatay or muntik mamatay due to murder or assault, matatanggap to.

𝗔𝗰𝗰𝗶𝗱𝗲𝗻𝘁𝗮𝗹 𝗠𝗲𝗱𝗶𝗰𝗮𝗹 𝗘𝘅𝗽𝗲𝗻𝘀𝗲 𝗥𝗲𝗶𝗺𝗯𝘂𝗿𝘀𝗲𝗺𝗲𝗻𝘁 - Kapag naaccidente ng minor, sugat sugat or ano man, marereimburse lahat ng nagastos. Kunin lang resibo.

𝗥𝗲𝗻𝗲𝘄𝗮𝗹 𝗕𝗼𝗻𝘂𝘀 - For the next 5 yrs, nag iincrease ng 5% ang PA riders.

𝗜𝗻𝘁𝗲𝗻𝘀𝗶𝘃𝗲 𝗖𝗮𝗿𝗲 𝗨𝗻𝗶𝘁 𝗕𝗲𝗻𝗲𝗳𝗶𝘁 - on top of daily hospital income, counted ang no of days na nasa ICU

𝗟𝗼𝗻𝗴 𝗧𝗲𝗿𝗺 𝗛𝗼𝘀𝗽𝗶𝘁𝗮𝗹𝗶𝘇𝗮𝘁𝗶𝗼𝗻 𝗕𝗲𝗻𝗲𝗳𝗶𝘁 - also on top of daily hospital income, counted ang no of day kapag over 30 days na sa hospital. Example: 40 days total hospitalization, 31st-40th day ang counted (10 days).

𝗜𝗡𝗩𝗘𝗦𝗧𝗠𝗘𝗡𝗧𝗦 𝗢𝗡 𝗦𝗧𝗢𝗖𝗞 𝗠𝗔𝗥𝗞𝗘𝗧- Investing in the stock market can be a powerful way to grow your wealth over the long term. ( It's up to you kung saan mo gagamitin, pwede as retirement fund, travel fund, business fund, or educational fund ).

𝗟𝗔𝗛𝗔𝗧 ito ay 𝗚𝗨𝗔𝗥𝗔𝗡𝗧𝗘𝗘𝗗 𝗕𝗘𝗡𝗘𝗙𝗜𝗧𝗦.

Let's secure your 𝗙𝗨𝗧𝗨𝗥𝗘 now 🤝
If you are interested to avail 𝗟𝗜𝗙𝗘 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 with 𝗜𝗡𝗩𝗘𝗦𝗧𝗠𝗘𝗡𝗧 huwag mahihiyang mag message. LIBRE PO MAGTANONG ☺️

I would like to offer you a 𝗙𝗥𝗘𝗘 𝗤𝗨𝗢𝗧𝗔𝗧𝗜𝗢𝗡. Please kindly provide the details below. I am very much happy and willing to assist you.

FULL NAME:
BIRTHDAY:

Thank you and I will be glad to hear from you soon 🤝

P.S. Personal policies are customizable depending on the needs and wants of each and every client. So yes po, pwede natin tanggalin at idagdag ang ilang benefits dyan sa baba kung sa tingin nyo ay mababa ang chance na magamit nyo ito 😊

𝐄𝐚𝐫𝐥𝐲 𝐀𝐜𝐡𝐢𝐞𝐯𝐞𝐫’𝐬 𝐂𝐨𝐧𝐠𝐫𝐞𝐬𝐬 𝟐𝟎𝟐𝟑

Thank you PRULife UK for always recognizing our efforts and for continuing to nurture us. ❤️

Yours truly, was given the honor to represent my clients and teammates to this exclusive awarding of top leaders and financial advisors nationwide.

Always a proud PRUlifer 😍

𝐂𝐡𝐚𝐫𝐦𝐚𝐢𝐧𝐞 𝐂𝐡𝐚𝐯𝐞𝐳
Licensed Financial Advisor