The Financial PRUtector

⏰Be insured Now.

There are more than 100M Filipinos but only 1.39M were Insured😌

🇺🇸🇨🇦 In US and Canada, more than 95% have insurance.

🇯🇵 In Japan, almost all Japanese have at least 2 insurance policies.

🇸🇬🇭🇰 In Singapore and Hong Kong, people line up in malls so they can get a quote from an Insurance Advisor.

🇵🇭 In the Philippines, Insurance is still viewed as an EXPENSE. While Luxury and Leisure seen as a NEED.

It's about time we learn and see the BIGGER PICTURE. Because if we don't, we will end up poor.

Time for CHANGE. Time to TAKE CHARGE of your FUTURE.

👨‍👩‍👧‍👦👩🏼‍🎓👨🏻‍🎓
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FREEZE! 🧊

Did you know when someone passes away, the family cannot withdraw the savings on their bank account right away?

The bank freezes 🧊 the account and checks the tax obligations of the depositor.

Then, the family must pay the ESTATE TAX before the savings amount can be released.

Make sure you have extra cash and the patience to withstand the wait.

And this is why VUL Life insurance is a great planning tool! 📕

If the Insured passes away, the beneficiaries will not only receive million(s) of the guaranteed sum assured plus the returns of the said investment in the stock market, they don't need to pay extra. It's tax free.

Nothing to lose, so much to gain!

If you want to set-up your VUL account, I'd be happy to assist you.📕🤗

Be PRUtected.

ATTENTION TO OUR OFW'S: 📣📣📣

In order to improve the standard of protection and promotion of welfare of OFW's particularly during our current global health emergency crisis due to Covid-19, 𝙊𝙁𝙒𝙎 𝙈𝙐𝙎𝙏 𝙃𝘼𝙑𝙀 𝘼𝙉 𝙄𝙉𝙎𝙐𝙍𝘼𝙉𝘾𝙀 𝘾𝙊𝙑𝙀𝙍𝘼𝙂𝙀 𝘽𝙀𝙁𝙊𝙍𝙀 𝙇𝙀𝘼𝙑𝙄𝙉𝙂 𝙏𝙃𝙀 𝘾𝙊𝙐𝙉𝙏𝙍𝙔 ‼️

POEA will not issue a Certificate of Overseas Employment to those who do not have a Life Insurance coverage.

To my family and friends, and anyone who can read this post, you may consult me so we can provide you a tailor-fit solution with your Insurance needs.

"Okay lang ba na hindi ako kumuha insurance?"

Oo naman. 😉

Di ko naman problema pag nagkasakit ka.
Di ko naman problema pag nawala ka.
Di ko problema pang tuition ng anak mo.
Di ko problema na tumanda kang walang pera.

Problema yun ng magulang mo.
Problema yun ng anak mo.
Problema yun ng mga kaibigan mo.
Problema mo yun.

But our job as financial advisors is to educate you to be financially free and be protected. For you to not become a burden to anyone ❤👍

Message for free consultation and quotation 🙂

THINK ABOUT THIS 🤔

⭕ Turning P3,000 into Php. 3,009.05 is called a BANK SAVINGS.
⭕ Turning P3,000 into PhP 3,300 called an INVESTMENT.
⭕ Turning P3,000 into Php 2,000,000 is called INSURANCE.

Good thing! you can be insured while investing...

A person, no matter how capable s/he is in her/his lifetime, cannot avoid two things— sickness and death.

When a person is bedridden:
1️⃣ A gift of Php 2,000 could be from FRIENDS.
2️⃣ A gift of Php 20,000 could be from RELATIVES.
3️⃣ A gift of Php 1,000,000 OR MORE could be from LIFE INSURANCE.

Get insured NOW, while you still can.

𝐆𝐨𝐨𝐝 𝐍𝐞𝐰𝐬! 𝐆𝐨𝐨𝐝 𝐍𝐞𝐰𝐬! 𝐆𝐨𝐨𝐝 𝐍𝐞𝐰𝐬!

2021 𝑭𝒐𝒓𝒃𝒆𝒔 𝑮𝒍𝒐𝒃𝒂𝒍 2000, 𝒕𝒉𝒆 𝑾𝒐𝒓𝒍𝒅'𝒔 𝒍𝒂𝒓𝒈𝒆𝒔𝒕 𝒑𝒖𝒃𝒍𝒊𝒄 𝒄𝒐𝒎𝒑𝒂𝒏𝒊𝒆𝒔.

The Forbes Global 2000 is an annual ranking of the top 2,000 public companies in the world by Forbes magazine. The ranking is based on a mix of four metrics: 𝑺𝒂𝒍𝒆𝒔, 𝑷𝒓𝒐𝒇𝒊𝒕, 𝑨𝒔𝒔𝒆𝒕𝒔 𝒂𝒏𝒅 𝑴𝒂𝒓𝒌𝒆𝒕 𝒗𝒂𝒍𝒖𝒆.

𝑷𝑹𝑼 𝑳𝑰𝑭𝑬 𝑼𝑲 (𝑷𝒓𝒖𝒅𝒆𝒏𝒕𝒊𝒂𝒍 𝑷𝒍𝒄) 𝒎𝒂𝒅𝒆 𝒊𝒕 𝒕𝒐 𝒕𝒉𝒆 105𝒕𝒉 𝒔𝒑𝒐𝒕 𝒂𝒕 𝑮𝒍𝒐𝒃𝒂𝒍 2000 𝒆𝒗𝒆𝒏 𝒂𝒎𝒊𝒅𝒔𝒕 𝒑𝒂𝒏𝒅𝒆𝒎𝒊𝒄!
🏆 Credibility
🏆 Sustainability
This shows how stable PRU LIFE UK is! 💪

Congratulations Dear Clients, future clients and PRU LIFE UK family! 👏👏👏

Source: https://www.forbes.com/lists/global2000/

Financial Planning 101👍

4 Reasons Why Planning for Retirement is Important

1. SSS is not enough - it will not sustain your medical bills and hindi talaga enough considering limited na source of income that time.

2. INFLATION - Your 1 peso right now will have lesser value in the future. Kaya you need set up a savings plan that could beat up inflation.

3. KIDS are not our retirement fund - they will build and take care of their own family, too.

4. WE LIVE LONGER- Imagine retiring at the age of 60 with no income then living until the age of 80, thats 20 years worth of expenses, 60 years old too far to imagine right? How about taking a vacation for a month with no SALARY?

Do not just depend on your company retirement benefit. Get your own back up plan.

DM me for free consultation for your retirement plan let me help you to have one😘.

Source: Grow Bright Juan

Hindi gastos ang Life Insurance.☺️

Bakit? Balang araw, ito ang makakatulong sayo o sa pamilya mo kapag ang mga life uncertainties (untimely death, disability, critical illness and accident) ay dumating sayo. May peace of mind ka dahil tiyak na may pera kang gagamitin.

Ang Life Insurance ngayon ay may investment na. Hindi masasayang ang ibinabayad mo dahil nakainvest at tumutubo ito. After 5yrs and up may nakaready ka ng Education fund or Retirement fund.💯

Ngayon, ang tanong mo kung magkano? Baka mahal? PM mo po ako, pwede ako magcustomized ng plan na pasok sa budget mo.😉



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Most people forget that the only way to enjoy retirement is if you have substantial amount of savings and pension that could cater for your medical needs, living expenses and leisure expenses and will help you survive your olden age even without regular income or relying with other people.

Those who misunderstood this, usually end up becoming a financial burden to those around them.

It’s not about how much money you earn, it’s all about how you manage the money that you are earning.

Wanna know more about how to manage and reach your financial goals? Feel free to message me☺️

The Financial PRUtector now takes appointments on their Page.

This is how Life Insurance can change and help the life of a married couples.

If you CAN afford it, think about it and go get it.

If you CAN'T afford it, think about it and go get it soon.

Note: It's important to talk only to your trusted agent who will help you achieve a well-designed investment-linked insurance plan tailored to your needs.

Let them know how much money you would like to set aside for your plan, what are the benefits you would like to add, how much death benefit you would like to give to your family, how much living benefit you would like to receive in the future. Ikaw ang masusunod.

Ang tanong, ilang milyong piso ang gusto mong iwan?
Ilang milyong pisong critical illness benefit ang gusto mo?
Ilang milyong projected fund ang gusto mong makuha?

Take action. We can't afford to live too long with too little savings. 😊

I salute all Parents! 👏
Especially those who are thinking ahead, preparing for their child's future and making sure na mawala man sila, hindi "mawawalan" ang anak nila, in whatever way they can. 💪❤

We have been protecting lives, one family provider at a time since 1848. And we will continue to do so until we fill the gap of protection of everyone.

We have gone a long way. We are the company that you can trust to deliver our commitment in times of need.

We are the people that DO. We listen. We understand. We deliver.

✔



Note: Pru Life UK and Prudential plc are not affiliated with Prudential Financial, Inc. (a US-registered company), Philippine Prudential Life Insurance Company, Prudentialife Plans, Inc. or Prudential Guarantee and Assurance, Inc. (all Philippine-registered companies)..

💚

“Magkano pinakamurang life insurance?”

Ito ang madalas na kadalasang inaalam ng mga gusto kumuha ng Insurance.

Ang sagot po namin dito ay “DEPENDE po.”

“DEPENDE.”

Parang gamit lang yan.
Halimbawa sa gadget na cellphone. Ang pinakamurang cellphone na mabibili mo ay pwede mo magamit na pan-text o tawag lang. May camera naman pero mas malabo pa Pasig River ang resolution. Okay lang ba yun sayo?

Kung damit naman, baka isang laba mo lang masira agad o kahit sa sapatos baka wala pang 2 buwan sira na agad tanggal na swelas. Sayang lang kung gagastos ka, hindi mo din naman mapapakinabangan ng maayos.

Bilang Financial Advisor, normal na tinatanong sa amin ito.

Ang sagot ko ay isang tanong na ang sagot ay mula sayo.

"Tingin niyo po, anong buhay ang deserve ng inyong pamilya kapag nawala kayo, maghirap o maginhawa?"

"Magkano po ang gusto ninyong pera na magagagamit kapag tinamaan kayo ng sakit?"

"Gusto niyo po ba makapag-aral at makapagtapos ang inyong anak sa maayos na paaralan kahit wala na kayo sa mundong ito?"

"Anong buhay ang gusto ninyo kapag nagretiro kayo, yung maginhawa o yung pinagpapasahan ng anak dahil wala kayong ipon?"

Ang sagot po ay nasa sainyo.

Kayo po, gusto niyo pa rin ba yung pinakamura?

Kahit anong budget merong insurance ang para sayo, ang kailangan mo lang gawin ay magmessage para malaman kung paano ito. 💛

Message me to know more

Ang mahalaga trusted ang Financial Advisor mo 🤗

Many people assume that life insurance is only for married couples and families. While it's true that not all single people need life insurance, there are a number of reasons to still consider it if you’re flying solo.

Read more on our blog: lifehappens.org/blog/why-single-people-need-life-insurance

Bakit nga ba hindi refundable ang binayad mo na premium sa insurance policy(V.U.L.* or term insurance) mo?** 🤔

Scenario:

Friend 1: Gipit ako ngayon. Stop na ako. Pwede ko ba makuha lahat ng dineposit ko? (After paying his regular-pay VUL for a few months)
Friend 2: Bakit? Kapag nag-claim ka ng coverage for death or sickness, pwede ba bawiin ng insurance company?

Hehe! Joking aside, bakit nga ba usually walang nakukuha kapag a few months old pa lang ang policy mo?

1.) It's not a bank deposit account.

A regular-pay VUL policy po is NOT a bank deposit account, where you can "park" your money and withdraw whenever you want. It is a protection contract between a client and an insurance company. Hindi sya fair for the insurance company kasi ang laking risk ang tinataya nila. Milyones ang kapalit ng binabayad mong premium. The only time na may makukuha ka po from your policy is kapag may kita na from your investment (fund value), which is only possible kapag matagal na ang policy (at least 5 years).

2.) It's like hiring the services of a bodyguard.

Think of a VUL policy as your BODYGUARD. Regardless po kung may mangyari sa iyo o wala, kailangan nyo po sya sweldohan, kasi you were protected during the time na ni-hire nyo sya. Plain and simple.

3.) You are buying an asset.

Sa insurance or VUL po kasi, you are basically buying an asset with the choice to do it by "installment." Example, you are buying 1M coverage for 3k a month. If you were saving sa bank, it will take you nearly 30 years bago yan makumpleto. Pero sa insurance, agad-agad. Ownership was effective since Day 1 (for as long as you keep paying your premium). Same with buying a house. If you stop paying for the mortgage, wala kang makukuha. Hindi mo pwede bawiin ang downpayment mo. At lalong di mo rin magiging pagmamay-ari yung property kahit partially paid na. Subject for foreclosure.

Kaya for as long as binabayaran mo ang premium mo, mananatili ang promise ng insurance company to give that big amount if something bad happens to you. Once you stop, the company will also stop. Ang delikado dyan is kung may mangyari sa yo at cancelled na ang policy mo, hindi ka talaga maka-cover. Kaya if I were you, continue mo lang no matter what. I understand mahirap situation nyo now pero di hamak na mas mahihirapan kayo pag ang magka-emergency ay ikaw mismo at sumabay ka to an already existing financial problem. Tandaan mo, maraming pwedeng mangyari sa isang minuto at hindi ka dun exempted. Even in your sleep, something could happen.

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* V.U.L. refers to Variable Unit Link or investment-linked life insurance, insuravest, unit-linked life insurance or investment with insurance
**May 15 days cooling off period na pwede isurrender iyong policy upon pagka-inforce ng application. Eto ay full refund.

The Prudent Generation



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Happy Monday! Stay safe☺️

Why Smart People are Buying Insurance in December? 🤔

Here are some reasons to buy insurance in December this year:

❤ December is the time where you receive your bonus
❤ You expect to have more liabilities in 2022
❤ Your income changes
❤The best gift for someone you truly care about is a flow of consistent income
❤ You intend to start a family or get married

- Dr. Sanjay Tolani

Pwede pa humabol to start an insurance plan this 2021! ☺️





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