BIG Decisions with R. Cabig

📣𝗪𝗘 𝗔𝗥𝗘 𝗛𝗜𝗥𝗜𝗡𝗚 𝗣𝗔𝗥𝗧-𝗧𝗜𝗠𝗘𝗥𝗦 & 𝗙𝗨𝗟𝗟-𝗧𝗜𝗠𝗘𝗥𝗦!
𝗖𝗼𝗺𝗽𝗮𝗻𝘆: 𝗣𝗿𝘂 𝗟𝗶𝗳𝗲 𝗨𝗞 - #1 Life Insurance Company

📍 Work from Home
Position: Financial Consultant

𝗣𝗲𝗿𝗸𝘀 𝗼𝗳 𝗯𝗲𝗶𝗻𝗴 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗔𝗱𝘃𝗶𝘀𝗼𝗿:
✅ Free Travel Incentives Local and International
✅ Flexible Working Hours
✅ Quarterly Bonus
✅ 50k-100k potential monthly income

Interested applicants, pls kindly scan the QR code for early registration. We need 50 applicants. Free dinner 😊venue will be announce soon.
See you all on
May 09, 2024 at 6:00pm😊

One of the active agents in our unit for the month of March.

To more Filipino’s to insure this month of April 🥰

"𝗞𝘂𝗻𝗴 𝗴𝗮𝗻𝘂𝗻 𝗱𝗶𝗻 𝗹𝗮𝗻𝗴, 𝗿𝗲𝗳𝘂𝗻𝗱 𝗻𝗶𝘆𝗼 𝗻𝗮 𝗹𝗮𝗻𝗴 𝗹𝗮𝗵𝗮𝘁 𝗻𝗴 𝗽𝗿𝗲𝗺𝗶𝘂𝗺𝘀 𝗸𝗼, 𝗱𝗶 𝗿𝗶𝗻 𝗻𝗮𝗺𝗮𝗻 𝗮𝗸𝗼 𝗻𝗮𝗴𝗸𝗮𝘀𝗮𝗸𝗶𝘁."

One of the most common concerns ng clients ay ang usaping REFUND.

Pwede nga ba mag-refund?
Paano kung tumigil na sa pagbabayad?
Mawiwithdraw ko ba ang mga premiums ko?

⭕ Simulan natin ito sa Term Insurance.
Prepaid po ang mga insurance.
Meaning, parang renta. Babayaran mo agad yung term or period na sakop ng insurance.

If ang term insurance mo ay yearly ang term, you pay now. Then covered ka.

If di ka na magbayad next year, di ka na covered. Ganun kasimple.

So may mawiwithdraw ka ba? Wala.

⭕ Paano naman kung VUL or Variable Unit-linked ang nakuha ko? Insurance with investment.

Kapag ba tumigil ka na (surrender), mawiwithdraw mo ba exactly lahat ng PREMIUMS na binayad mo? Hindi.

Ang ma-wiwithdraw mo lang ay 'yung current value ng Investment mo. (Fund value)

⭕ Bakit ganun?
Mas mainam pala ang bank. Pag nagdeposit ako, mawiwithdraw ko exactly the same.

Opo, yan ang purpose ng bank.

Iba ang purpose ng insurance. Iba rin ang investment.

⭕ Tatandaan, binibili mo ang service ng insurance contract. Kung 3 million death benefit yan, yan ang binibili mo.

⭕ So bakit nga walang REFUND?

Kapag ba bumili ka ng isang bagay o service, tuwing kelan lang may refund? Ano ang refund policy?

- kapag may DEFECT.

E kung wala namang defect ang policy, walang marerefund.

⭕ Wala naman akong naging sakit, sayang lang binayad ko.

- Bigyan kita ng analogy. Naghire ka ng bodyguard to protect you from harm. Pinasahod mo ng 5k a month.

After 2 years, nakapasahod ka na ng 120k. Wala namang umatake sayo.

Can you tell your bodyguard na, "Kukunin ko na lahat ng 120k na pinasahod ko sayo kasi di naman ako napahamak, wala namang umatake sakin."

Anong response ng bodyguard?
"Ay babalik ko sayo, may patago ka teh?"

Same concept.
You buy insurance to get the service of protection.

Kada oras na dumadaan na IN FORCE ang insurance contract mo, liable ang insurance company to fulfill the contract's obligations.

So ang Insurance charges na nababayad mo out of your premium, doon yun napupunta.

Hindi sya nasayang.

I hope you get my point. Alamin sa mga agents ninyo ang full details.

Some of the reasons why I love Mondays ❤️.

Always learning. Always improving. Always growing 🫶🏼

Feel nako gina judge nakos akong mga makasugat ug kasunod mudagan. Hahaha. Pero feelingon man ko so wa rakoy pake. Slower than yesterday’s pace.

Run at your own pace ✨

Anyway, back to work nata kay mag weekend na. Sahod na, start na ta sa imo insurance. Remember, same with running. Start at your comfortable budget. Start small, what’s important is nagstart naka 🥰

Dili need na paspas gyud ka mudagan to be a runner. Unless g**o ug sprinter ka or ganahan mag podium. Pero if you’re same with me na gusto lang mu finish sa race to prove sa self na kaya diay, then start running. Start slow. Run at your own pace. Enjoy the run.

If naa kag CDO, sabay ta, d tika biyaan. Basin mautas kag hulat nako kay hinay kayko mudagan 🤣

Okay, back to work kay sahod na naman ng mga gustong magkainsurance 🫶🏼

‼️NEW PRODUCT ALERT‼️
PruLove Wealth
Launched last March 8, 2024

Product features:
- Single-pay product with a minimum of 500k placement
- 7 years holding period
- With 4% GUARANTEED annual returns for 7 years
- Death benefit is at 125% of the amount placed
- Capital is preserved. This means that the entire amount you've placed will be given back to you after 7 years

Market:
- For conservative clients who want guaranteed returns and capital preservation
- Yung may mga nakatenggang pera sa bangko or elsewhere
- Sa mga gusto ng returns pero may death benefit pa rin
- Sa gusto lang magdiversify ng portfolio

LET'S GO FOR FINANCIAL STABILITY!

Kinsay Gusto makita in person si
Jan Ocampo or si
The Present and maka-attend sa iyahang Financial literacy session for FREE?
5 seats available only! 😍🥰

Unta mag panic pod ang mga walay insurance oi
🙂

“Dili me forever mag work abroad”

Had a chance ta talk and discuss to this married couple(family friend) with two beautiful children about sa ila future plans. Na storyahan namo na they work as OFWs para mapa skwela ilang mga anak and puhon, gusto nila mu settle down sa ilang retirment here sa Pinas 10-15 year from now.

Namention pod nila na naa silay kaila na nag need ug dako na amout na kwarta kay nag ka cancer. And dli nila gusto na if “God forbid” this happens, magamit ilang savings or magkautang2.

Tungod ani, I shared to them an OFW Savings Plan. Save sila for 10 years para mag grow ilang hard-earned money, and naa pa gyud silay guaranteed millions of insurance coverage in case SADD (Sickness, Accident, Disability, Death) moments happens.

Magsugod na gyud mi sa ilang OFW Savings plan puhon, kay ana pa sila ”Dili me forever mag work abroad, nindot ni kay naa me insurance and naa pa gyuy investment”

____________________________________

Save for 5, 7, 10 or 15 years. Be insured with millions of guaranteed income protection benefits and grow your millions.

Pm lang if you want to see your options.




Rhunjie Damas Cabig
Assistant Unit Manager
Financial Advisor | Pru Life UK

The FUTURE is beautiful, if you PLAN for it.

-Dr. Sanjay Tolani

Policy Owner: 𝗜𝗸𝗮𝘄 ✅
Policy Life Insured: 𝗜𝗸𝗮𝘄 ✅
Investor: 𝗜𝗸𝗮𝘄 ✅

Beneficiaries: 𝗙𝗮𝗺𝗶𝗹𝘆 ( Asawa, Anak, Tatay, Nanay, Kapatid, Pamangkin, Fiance, etc.) 🥰

Having yourself and income protected is one way of telling your family that you love them, and you care for their future 🤗

𝗧𝗮𝗿𝗮, 𝗽𝗮𝗴 𝘂𝘀𝗮𝗽𝗮𝗻 𝗻𝗮𝘁𝗶𝗻 𝗯𝗮𝗸𝗶𝘁 𝗺𝗮𝗵𝗮𝗹𝗮𝗴𝗮 𝗯𝘂𝗵𝗮𝘆 𝗺𝗼 𝗮𝗻𝗱 𝘄𝗵𝘆 𝘆𝗼𝘂 𝗻𝗲𝗲𝗱 𝘁𝗼 𝗯𝗲 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗲𝗱. 🤝

Monday is always a Learning day to equip myself for the week 🥰. Learnings from CGBasics to Full-Timers Club training

𝓟𝓻𝓮𝓼𝓮𝓷𝓽𝓲𝓷𝓰 𝓸𝓾𝓻 𝓔𝓛𝓘𝓣𝓔 𝓢𝓔𝓡𝓘𝓔𝓢 ✨

🤔Are you retiring in 5-15 years?
🤔College funding preparation in 5-15yrs?
🤔Gusto mo ba magbusiness in 5-15 years?
🤔How about your dream house/car in 5-15 years?

If your answer is YES to one of these questions, I AM HERE TO HELP! 😊

Save and invest through these ELITE programs to START building your DREAMS today! 🤩✨

These are investment-focused plans coupled with protection benefits 😉

Want to know more? Let’s meet! 🫶🏻 PM me

PRUtected lives with a total of 5.1 MILLION Insurance Coverage,
Great job Rhunjie Damas Cabig for being the Top 1 Agent of the team! 🥳🤩

Hello to all OFW friends!

Para gyud ni ninyo!💓

Message me for free quotation! 😁

‼️‼️ CHECK THIS OUT ‼️‼️
For only Php 350, protect yourself and your family from the cost of dengue infection in time for the rainy season.
ASK ME HOW!!
PHP350 ONLY

DO YOU HAVE A SLEEPING PHP100,000 IN THE BANK?

Why not invest in our Cash Flow Fund Plus (CFFP) and have a potential of 1.5% pero quarter or 6% yearly payout! With 125% Life Insurance

This offer is until DECEMBER 31 ONLY!

*Exclusive for PruLink Investor Account Plus & PruMillionare Products

PM me for more details

I suggest to get life insurance before getting a memorial plan😊.

It's wise to have a health or critical illness plan first

Let's talk😊❤️

🍵

ＰＬＥＡＳＥ ＴＡＫＥ ＴＩＭＥ ＴＯ ＲＥＡＤ

• Turning P3,000 into P3,009.50 is called a BANK.
• Turning P3,000 into P3,300 is called an INVESTMENT.
• Turning P3,000 into Php 2,000,000 is called an INSURANCE.

Good thing you can be insured while investing.🥳

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

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

VUL plan will back you up! Learn more about it by talking with your Trusted Financial Advisor🥰

As a Financial Advisor, this kind of feedback gives me so much kilig and happiness.

I ask her to help me with my survey and as a thank you, I offered her "One Free Financial Consulation" and also given for Free a Worksheet.

This person is a believer of Life Insurance na. In fact, she availed one from her PruLife UK FA friend when she started working. But after the consultation, we discovered that there are still gaps in her benefits. After knowing this, I advised her to her existing Life Insurance to have a higher benefits.

Congrats AC Donozo on your Life Insurance Policy upgrade. So happy our consultation helped you ❤️🫰🏻

_________________________________

Avail Free Financial Consulation and i will also give you for Free a Financial Worksheet, where i will teach you techniques on how to budget and organize your cashflow. Limited slots only. Send me a message to set an appointment here or through
FB account Rhunjie Damas Cabig