Analou Dacer financial advisor

PWEDE BA eREFUND yung mga NAIHULOG sa INSURANCE COMPANY❓

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 😁☕️

-CTTO

Your younger self is believing in you.

Your older self is counting on you.

Who's in charge of your and your family's finances?

What are your excuses for not insuring yourself?

😪 Tell those excuses to your kids who will need to go to school even if you get seriously sick,

🥺 To your spouse who needs to take care of everything, if you are suddenly taken out of the picture,

🥲 To your future self when you cannot afford to retire because your money went to paying your medical bills.
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Sad but it's really true, kaya wag mong hintayin na magiging ganito ka rin,😥

Anong Plano Mo? Usap Tayo!

Ready to take your protection to the next level? With AIA Add-On Riders like Hospital Income Benefit and Enhanced Waiver of Premium, you can ensure that you and your growing family stay financially secure in case the unexpected happens to you: whether it’s accidents, disability, or even critical illnesses. All this while building up your savings with your AIA All-in-One Plus plan.

Gain real peace of mind and financial security today. Learn more at https://bit.ly/44VQjsk or talk to your AIA Life Planner.

Get more of life with our AIA Global Dynamic Income-Paying Fund - Peso! With potential quarterly dividend payouts, you may enjoy more of life's upgrades – from dream vacations to entrepreneurial ventures and newer gadgets.

Available with Peso Money tree Income-Paying. Visit our website to learn more: https://bit.ly/3wYQwi9.

Being able to love whoever you choose is a beautiful thing. ​​
Being able to protect and care for that person is even more beautiful. ​​

We are here to make that possible—because our promise has always been healthier, longer, better lives for all. ​

Learn more about AIA’s same-sex beneficiary inclusions at https://bit.ly/AIAPHSameSexBeneficiary

Ma-swerte yong mga OFW na nagbakasyon na nakakuha ng Insurance dahil pag balik nila abroad ay INSURED na sila may SAVINGS pa… Mindset ba mindset 😉💯👌

Avoid depending solely on your salary savings from your time overseas. Instead, consider investing in your future and retirement with AIA.

Iba na ang may savings while working abroad, at may income protection paguwi!

Plan it with us! I can help!
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AIA A+ Signature Plus program ❤

Parents who truly loves their children thru action and investing! ❤️

🥰kids will have a benefit of:

🔥With life insurance of P500,000

🔥With legit payout of 10% of P250,000 coverage amounting to P25,000 plus non guaranteed dividends starting on the 6th year then every after 2 years until 100 yrs old ❤

🔥With Payors death and disability rider incase something bad happened to the payor the company will cover the basic premium

💪Payout schedule

Age 6:P25,000
Age 8: P25,000
Age 10: P25,000
Age 12:P25,000
Age 14: P25,000
Age 100: P25,000

💥Plus with Non- guaranteed dividends

Literally a lifetime pamana to their kids ❤

For inquiries just pm! 😉

Analou Dacer, Senior Advisor
AIA Philippines Life Planner

Secure your future with AIA Max Protect! Double the love for your beneficiaries and optional benefits to tailor-fit your protection. 💖💝

It is a participating plan with the following benefits:

✅ Life Insurance until age 100 -- 200% of face amount e.g P1M becomes P2M na matatanggap ng beneficiaries mo
✅ Dividend earnings
✅ 200% maturity benefits at age 100

MIX AND MATCH BENEFITS (OPTIONAL BENEFITS)
✅ Personal Accident until age 75
✅ Major Critical Illnesses until age 75
✅ Total and Permanent Disability until age 65
✅ Hospital Income Benefits until age 65
✅ HMO powered by Medicard Ph until age 65
✅ Payor's Term Benefit (for juvenile policy)
✅ Payor's Death and Disability Benefit (for juvenile policy)

Ready to explore the perfect protection plan? PM me for a complimentary consultation and let's navigate your financial peace of mind together! 🌐✨

Tara Usap Tayo.☕😊



ANALOU DACER
AIA LIFE PLANNER
📧 [email protected]

𝐖𝐇𝐄𝐍 𝐌𝐘 𝐂𝐋𝐈𝐄𝐍𝐓 𝐏𝐀𝐒𝐒𝐄𝐃 𝐀𝐖𝐀𝐘, his:

👩‍⚕️DOCTORS - Insisted on professional fees.

🏥 HOSPITAL - Required payment before her release.

🪦FUNERAL PARLOR - Asked for funds to ensure her dignity on her final day.

💐HER FRIENDS - Sent flowers.

❤️ SOME RELATIVES - Offered hugs.

But as his FINANCIAL ADVISOR, I did more than helping his protect her wealth. I provided his family with substantial support—MILLIONS—to carry them through these dark days.

Remember, your financial advisor is MORE than just a number cruncher. We're here to support you through life's toughest moments. ❤️

CTTO UM Camille Llanera Galindo

Just like house & lot (properties) naga increase din ang premium ng life insurance mo at bumababa ang coverage nito base on your age! So if you have a plan to get life insurance better to start now kahit yong mababa premium muna tapos pag ok na ang finances mo pede ka nmn mag dagdag to upgrade your life insurance! Ask me how?!

Quarter end assembly ❤️
AIA Tagumpay

❤️

Worry less and get more from your investments with AIA Global Dynamic Income-Paying Fund-Peso!

Enjoy potential quarterly dividend payouts and added protection benefit for yourself and your finances with AIA Peso Money Tree Income Paying! Learn more about GDIF-Peso, visit our website at https://bit.ly/3yx6sIU now!

ANG WAIS NA MISIS

This is true kasi i have a client na si wife mismo ang nag-push na kumuha yung husband nya ng insurance, gusto nya insured si Husband, para kung ano man ang mangyari, may maiiwan si Husband sa kanila ng mga anak nya.

Ang wais na misis ganyan ang ibubulong kay mister ..bakit ?

Kasi ikaw at mga anak mo magbebenefit nyan.

Para sayo at sa mga anak mo yan... it will protect your whole family. 🙅🏽‍♂️🙅

You can talk to a widow who was left behind and nobody help her taking care of the family and their expenses. 📚

Talk to a child who was forced to stop schooling due to lack of resources. 💉💊

Talk to a family who had a member that go through critical illness/hospitalization and need to swallow their pride just to borrow money from relatives and friends for medical expenses...

PM us for free financial planning now.😉❤️

Planning for Retirement is not an option but a Necessity! 💯👌
Congratulations to my client a business owner from Panabo City ❤️

Thank you for trusting me as your financial advisor and choosing AIA as your partners in life! 😊❤️

Retirement fund for only php57.00/day!?
Dm me 😊💯👌

If namomroblema ka kung lahat ng nasa wheel ay poproblemahin mo in the future…When you promise your children you’ll protect them,

LIFE INSURANCE IS THE KEY🔑

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Eto na pinapakilala na ng Tito ko ang newest ordinary life plan ni AIA Philippines.

Grabe tinodo na ng pamilya ko kasi dito sa plan na to, ikaw ang bahalang pumili ng combination na gusto mo at fit sa life goals mo.

What makes AIA Max Protect DABEST?
✅ 200% Life Insurance coverage
✅ 200% Maturity benefit
✅ With additional non-guaranteed dividends

Here are the optional riders:
✅ 10 Critical Illness Benefit
✅ Total and Permanent Disability Benefit
✅ Personal Accident Coverage
✅ Personal Accident due to Public transportation or Acts of nature
✅ Hospital Income Benefit
✅ Medical Benefit (Health card- MediCard)
✅ Enhanced Waiver of Premium
✅ Payor's Benefit for Death and Disability
✅ Payor's Term Benefit

Oh diba grabe magmahal ang pamilya ko, lahat yan binigay nila para sa inyo. Kaya tara na, pag-usapan natin anong combination ang fit sa life goals mo. Message mo na ako para makapagplano na TAYO 👊😁

PM for more......

❤️❤️

⛵

CTTO - JR Briñas

4 emergencies that eat savings: And how to beat their ipon-eating effects This list of savings-guzzling emergencies doesn't have to drain your resources; find out how to make the right preparations.

Business owner, Freelancers, VA , Call center agent, OFW ka ba? Protect yourself and youe family with life insurance!! 💯👌

Chase after your dreams with AIA Max Protect's 200% Life Coverage and Additional Comprehensive benefits.