Darlene Pilande - Financial Adviser

Did you know that most Filipinos need to have 2 to 3 jobs to steer clear of poverty according to the Commission on Population and Development (PopCom)? 🤔

Relying solely on one income is not enough to achieve financial stability and goals. On a lighter note, pursuing SIDE HUSTLE can be fulfilling and fun. 🤗

It can provide you an opportunity to explore new interests and passion. It can help you accelerate building wealth, add skills, meet people and expand your network. 💯 👊

Photo credit thanks to: Sir Chinkee Tan ❤️

Walt Disney once said, “If you can dream it, you can do it.”

But did you know that Disney was fired by his editor for lacking imagination and having no good ideas?
He was also turned down by hundreds of bankers before he received the funding he needed for his Disneyland in California. When he was young, he also had to declare bankruptcy several times while stablishing the Disney empire that we all know and love today.

Walt Disney proved that success can be achieved in many ways, and success is never limited to a certain group of people. Equipping yourself with the right set of skills and having a good set of values can help set you on the road to greatness.

A Child insurance plan allows us to set away a specific sum for the child's future financial needs while also protecting the child from harm. Child plans are investment plans that assist policyholders in providing the greatest education and future for their children. These plans cover the entire cost of education as well as other critical expenses, allowing the investor to invest in their child's future.

Know the difference between Savings, Investments, and Insurance.

Life insurance is among the most useful, and most maligned, of all the purchases that you will ever make. If properly tailored to your needs and purchased at a competitive price, life insurance offers important advantages, including:

✅Income replacement for your survivors
✅Investment/forced savings for you
✅Reduced income and transfer tax liability
✅A ready source of cash at a time when it's likely to be needed most
✅Funding of small business buy/sell agreements

Be cool, be a financial advisor! Good vibes and fun while earning extra income. Travel with friends, join the young generation of trendsetters. Make a difference, join our team of financial advisors. The future is yours, grab it now!

Using your insurance policy for mortgage redemption insurance is a wise decision as it can provide added financial protection for you and your family. If something unexpected were to happen, such as a loss of income or a medical emergency, having a mortgage redemption insurance policy in place can help cover your mortgage payments and ensure that you don't lose your home.

It's important to review your options and work with a trusted insurance professional to ensure that you have the coverage you need to protect your most valuable asset.

Did you know that as of 2021 the average life expectancy in the Philippines is around 67 years. The life expectancy for men is around 65 years, while for women it is around 69 years. The Philippines has been improving its life expectancy over the years, and it has increased from around 63 years in the early 2000s.

Invest in your future and protect your loved ones with a life insurance policy. Despite an improvement in life expectancy in the Philippines, it is still lower compared to neighboring countries such as Japan and South Korea where life expectancy can reach up to 84 years.

With access to healthcare still a challenge in our country, it's more important than ever to take control of our own well-being and ensure our loved ones are taken care of in case of an unforeseen event. Invest in a life insurance policy, it gives you peace of mind and financial security for your loved ones.

You may have come across this photo before, as it is frequently shared by those in the industry. When people first see it, they tend to have one of two reactions: they either become alarmed by the potential reality of unexpected medical expenses and take action, or they brush it off and pretend they didn't see it, despite feeling a sense of worry deep down. The truth is, this reality is staring us in the face, yet many choose to ignore it.

It is ultimately our own responsibility to prepare ourselves for these kinds of expenses, rather than becoming a financial burden to others.

Reach out to me and I can assist you in creating a personalized insurance plan that fits your budget and desired coverage. Don't hesitate to contact me. ☺️

Growing up without financial security can be a hardship that no child should have to endure. It can impact the child's ability to pursue higher education and limit their opportunities in life. Unfortunately, many children are faced with this reality because their parents didn't plan financially. It is the responsibility of parents to ensure their children have a bright future, and one way to do this is by planning and preparing for the unexpected.

Unfortunately, life can be unpredictable, and unexpected events can happen at any time. That's why it's important for parents to take the necessary steps to protect their children's future.

Purchasing a life insurance policy is a valuable tool for parents to secure their children's future, even in the event of the unexpected. A life insurance policy can provide a safety net, helping to ensure that your children's future is secure, and their quality of life is not compromised.

Once upon a time, there was a family of four: a loving mother, father, and two young children. The father was the sole breadwinner of the family, working long hours as a construction worker to provide for his family. One day, while on the job, he had an accident and passed away. The mother was devastated, not only by the loss of her husband but also by the financial burden it placed on her and her children.

The mother had never thought about getting a life insurance for her husband, but to her surprise, she found out that he had a life insurance policy, which he had purchased years ago. She immediately filed a claim and received the death benefit from the insurance company. The money helped her to pay off the mortgage, credit card debt and other bills, and gave her the financial stability she needed to take care of herself and her children.

With the help of the life insurance money, the family was able to continue living in their home and maintain their standard of living. The mother was able to take time off work to grieve and take care of her children without worrying about how to pay the bills. The life insurance claim allowed the family to focus on healing and moving forward, rather than struggling to make ends meet.

The mother realized that having a life insurance policy was one of the best decisions her husband made, it gave her and her family a sense of security and peace of mind knowing that they were taken care of financially. The story illustrates the importance of having a life insurance policy and how it can protect the ones you love even in the most difficult times.

P.S. The photo may not be directly connected to the story, but it is important to remember that the characters portrayed in the story are based on real people.

Maintaining your purchasing power in the face of inflation can be a challenge, but owning a life insurance policy can help.

These policies often include a savings or investment component, allowing you to grow your premium payments over time. This growth can be used to supplement your retirement income or provide funds for other long-term financial goals.

Additionally, some policies offer a cash value component that can provide policyholders with additional funds to help them maintain their purchasing power during times of inflation.

It is important to understand the options available and consult with a financial advisor or insurance agent to find the best policy to suit your needs and secure a financially stable future.

In an inflationary environment, unevenly rising prices inevitably reduce the purchasing power of some consumers, and this erosion of real income is the single biggest cost of inflation. Inflation can also distort purchasing power over time for recipients and payers of fixed interest rates.

A small investment of only 100 pesos a day can give you a lifetime of peace of mind with comprehensive insurance coverage. Not only that, but starting early means your investment has the potential to grow significantly. While it's easy to spend more than 100 pesos a day on things that don't benefit us in the long-term, it's important to be wise with our money and invest it in something that truly matters, like an insurance policy.

You deserve the security and protection that insurance provides, and it is more affordable than you might think. Take the first step towards peace of mind and invest in your future with an insurance policy today.

Our educational fund plans are designed to help you secure your future. Start saving today with a low monthly premium and no debt!

This is a long post but allow me to shed some light about the "Sandwich Generation"

The "sandwich generation" refers to people who are simultaneously caring for both their aging parents and their own children. This can create a lot of stress and financial strain, as they are often responsible for providing both emotional and financial support for both generations.

One of the main financial concerns for the sandwich generation is saving for their own retirement while also supporting their parents' living expenses and potentially paying for their children's education. This can make it difficult to set aside enough money for their own future.

In the Philippines, the sandwich generation is a growing demographic, as the population ages and life expectancy increases.

According to a study by the Philippine Institute for Development Studies, around 37% of Filipino households are considered part of the sandwich generation.

As a result of the COVID-19 pandemic, many Filipino members of the sandwich generation have had to take on additional responsibilities, such as homeschooling children and providing care for elderly family members.

According to a study by the Philippine Statistics Authority, around 21% of Filipino households are multigenerational, with grandparents living with their adult children and grandchildren.

Many Filipino members of the sandwich generation are facing financial challenges due to the added expenses of caring for multiple generations, including the cost of healthcare, education, and housing.

The sandwich generation may also face emotional stress and burnout due to the added responsibilities, it is important for them to seek support and reach out for help if needed.

Here are some ways to battle the challenges of the sandwich generation:

Prioritize and plan for your own financial future: It is important to set aside money for your own retirement and savings, even if you are also supporting your parents and children financially. A financial advisor can help you create a plan that takes into account your multiple responsibilities and helps you save for your future.

Communicate with your family members: Open communication with your parents, children and other family members is key to understanding each other's needs and finding ways to support each other.

Look for support from outside sources: Many communities have support groups for the sandwich generation where you can connect with others who are going through similar experiences. Some organizations provide in-home care services that can help alleviate some of the physical and emotional burden of caring for aging parents.

Prioritize self-care: Caring for others can be emotionally and physically draining. It is important to make time for yourself and practice self-care, whether it is through exercise, hobbies, or time with friends.

Seek professional help: It is important to seek help from professionals such as financial advisors, therapists, and elder care specialists, if needed.

Be realistic: It's important to understand that you can't do everything and that you can't please everyone all the time. It's important to understand your limits and set boundaries.

In summary, the best advice for members of the sandwich generation is to prioritize their own financial and emotional well-being, communicate with family members, seek support from outside sources, practice self-care, seek professional help, and be realistic about what can be achieved.

We are thrilled to bring you to this year's travel destinations!

Are you ready to take your revenge trip and be swept away by the beauty of another country's culture and scenic landscapes?

Do you want to find out how you can join the fun? Join us this Saturday for an online pre-onboarding session and hear about how you can get your passport stamped! Hurry!

Allow me to begin the week with a positive note.

For the past 26 years, it has been our greatest honor to deliver our promise to you, our dearest customers —financial protection through life's difficult moments.

In 2021, we were able to help Filipino families make the most out of life through 4,967 counts of claims amounting to ₱1.65 billion.

78% or ₱1.28 billion of these were for the families of insured individuals who have passed on. Their ages ranged from above 69 to below 20, but no matter the age, hindi nababawasan ang dalamhati sa pagkawala ng minamahal sa buhay.

An accumulated amount of ₱319.8 million were for insured individuals who were taking their journey to recovery from critical illnesses. Majority came from an age group where they may be at the peak of their career or at the prime of their lives, but have endured health challenges such as cancer, stroke, and heart attack.

And amid the pandemic, ₱498 million were given to insured individuals who were recovering from COVID-19, so they can enjoy the company of loved ones once again.

Through these claims, we fervently hope to have helped thousands of families get through difficult times, whether they are grieving the loss of a loved one, recovering from critical illnesses and injuries, or recuperating from COVID-19.

We are truly grateful for your continued trust, and so our commitment to helping you and your loved ones get the most out of life is stronger than ever.

LEADING life insurer Pru Life UK bagged the Best Insurance Company in the Philippines award at the Global Business Magazine Awards 2022.

Read more about it here:

https://www.manilatimes.net/2022/12/24/public-square/pru-life-uk-named-best-insurance-company-in-ph/1871571?mibextid=Zxz2cZ

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Wishing everyone a truckload of cheer! May your day be filled with so much love and blessings.

Merry Christmas, folks!

Our heartfelt thanks to our customers, agency force, employees, and partners for making us the Best Insurance Company in the Philippines at the Global Business Magazine Awards 2022!​

We remain steadfast in our commitment to helping more Filipinos get the most out of life.

This will surely help you make sense of life:

We were able to secure the future of 222 Families last month with 290M worth of life insurance policies! Job well done team! Let's continue to educate our friends and family members about the beauty of life insurance.

Join our Online Career Preview this Saturday at 7-8PM via Zoom! Find out how you can jumpstart your career in the financial advisory industry! Got questions? Message us directly!

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Do you want to know how to budget your money? This budgeting method is the most basic way to get control of your finances today!

We'll show you how!

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