Ren Parayno

BUSINESS OWNER INSURANCE

𝗔 𝗣𝗿𝗼𝗺𝗶𝘀𝗲 𝗙𝘂𝗹𝗳𝗶𝗹𝗹𝗲𝗱
₱𝟮𝟮,𝟵𝟴𝟰,𝟬𝟱𝟳.𝟲𝟯 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗖𝗹𝗮𝗶𝗺 😇

The client is a 47 year old businessman, active and with a healthy lifestyle.

He was only depositing 700K yearly for 7 years (A total of 4.9M Premium Paid) and it only took less than 1 month for the cheque to be released to his family.

One thing I have learned about businessmen is they know how to protect their assets as much as they know how to earn them.

Why am I sharing this?

✅ If you are earning well either in work or in business, you can do the same as the client did, invest a portion to Life Insurance, so your loved ones will still continue the life you both envisioned even at the time of demise.

✅ For smooth processing of claims, always make sure that the requirements to be submitted is complete.

✅ For those who do not believe in the power of Life Insurance due to their own reasons or worst due to “tsismis”.

For consultation about life insurance with savings plan, feel free to message me for details. 💖

Ctto

We did it!

FWD ranks No. 1 for customer experience among insurers in the Philippines, based on KPMG's Global Customer Experience Excellence (CEE) Report 2023.

Every year, KPMG runs a global CEE survey which evaluates customer experience (CX) across various industries, based on their 6 Pillars of CX excellence: Integrity, Empathy, Personalization, Time and Effort, Expectations, and Resolution. Among the various insurance brands present, we’re proud to have secured the top spot and achieved this milestone!

Receiving this award serves as a testament on how we always put our customers first, and our constant efforts to fulfill our vision of changing the way people feel about insurance.

Life insurance is important, as it protects your family and lets you leave them a non-taxable amount at the time of death. It is also used to cover your mortgage and your personal loans, such as your car loan. Your individual life insurance follows you when you retire and you are no longer insured by your employer.

Hello friend! Eto yung mga pwede tumulong sayo if ever magkaroon ka ng Critical Illness. Ok naman lahat di ba? Pero what if wala ka nung letter C? 🤣😂 Jk !

Pero regardless, I think we all know ano ang best choice 🙂

If you want to have Letter D as one of your options, just send me a message. At the end of the day, this is not for anybody but for yourself. 😍

We support you! 🌈

Team, Did you know that we can now add the partners of our client as beneficiary ❤️

REQUIREMENTS for Common-law Partners (including LGBTQ+) as beneficiaries

🌈 Proof that the relationship between the same s*x partners has existed for 5 years or more through:
a. Government Issued IDs showing the same place of residence or Barangay Certification of Residency; or
b. Existing joint bank accounts or co-ownership of properties; or
c. Proof that financial support is provided to the partner.

🌈Philippine Statistical Authority (PSA) Certificate of No Marriage (CENOMAR) or its equivalent document abroad as proof that they are both single.

Enjoy your life in your retirement years.
Prepare early.

Free Masterclass and Strategy Call:
https://beacons.ai/mommyjrose

HEALTH CARD (HMO) or
LIFE & HEALTH INSURANCE?

There seems to be a lot of confusion when people talk about "health insurance."

Technically, may dalawa kasing types of health assistance.

1. Health Card from a Health Maintenance Organization a.k.a. HMO (e.g. Maxicare, Medicard, Intellicare, etc.)

2. Life Insurance with Critical Illness Benefits from a Life Insurance Company.

People often ask kung alin ba sa dalawa dapat 'yung meron tayo?

These are 2 different kinds of insurances that serve 2 different purposes.

✨ HEALTH CARD (HMO)

📌 Pag may health card ka from HMO, babayaran nila directly sa hospital lahat ng gagastusin hanggang sa maximum limit ng plan niyo.

📌 Kasama dito ang check-ups, lab tests, doctors' fees, etc. Usually kaakibat nito ang PhilHealth.

📌 Ang HMO company na ang nagbabayad directly sa ospital ng bills, so wala ka nang ilalabas na pera. Pero usually maliit lang ito at hindi sapat ma-cover lahat ng gastos if ever magkaroon ng critical illness. Limited amount lang ang covered hanggang diagnosis lang.

📌 Hanggang 60 or 65 yrs old lang din usually ang coverage nito, at magagamit mo ang benefits sa accredited hospitals lang nila.

📌 The benefit is you don't have to worry about the amount of medical expenses na kailangan bayaran on the spot. Di mo kailangan maglabas ng cash pag na-emergency ka, o bigla kang naospital, o kapag magpapacheck up ka.

✨ LIFE INSURANCE WITH HEALTH BENEFITS

📌 Ang life insurance naman na may critical illness benefits, sa iyo ibibigay directly 'yung pera regardless kung magkano ang magastos mo sa pagpapagamot.

📌 Halimbawa, kung madiagnose ka ng sakit like cancer, heart attack, stroke, etc - ikaw mismo ang makakakuha ng pera. Sayo directly mapupunta yung cash, lump sum.

📌 Pwede niyo siya gamitin pangdagdag for treatments, or to replace the income na mawawala sayo.

📌 Coverage is usually until age 70 or 100, and the amount can range from Php 500,000.00 to Php 15,000,000.00.. You'll get this in cash if you get diagnosed with a critical illness.

📌 The benefit is, it's all up to you kung paano at saan siya gagamitin, basta ibibigay na lang sayo yung cash. Pwede mo 'to magamit kung gusto mo rin magpagamot sa ibang bansa, o para mag-avail ng treatments for critical illness na hindi na covered ng health card mo.

✨ WHICH ONE TO GET?

🚩 I believe that it's important to have BOTH. Yes, BOTH.

In the end kasi, they complement each other. Kung ano yung kulang sa isa, napupunan ng isa.

For health cards, usually kasama na 'to sa benefits from your company. So kung meron ka nang ganito from your employer - congrats! You don't need to pay for it out of pocket anymore. Double check mo na lang kung sapat ba yung benefits na offered.

For health insurance, very rare that employers offer this as a benefit. So it's highly likely that you have to purchase one for yourself.

✨ HOW TO AVAIL?

If walang health card yung employer mo or if you're a freelancer, you can get a health card directly from the companies themselves, just visit their websites. Or look for an accredited agent or broker.

For life insurance (with health benefits), you can contact me or you can comment below so we can design one that fits your budget and needs 👇

-------
No one can really predict when illnesses or emergencies come (nor can we stop them).

Paying for healthcare may be expensive, but it’s something that's very useful to have (even though I hope that we would never need to use it). But still reality is most people get sick before they die. Better be prepared!

Stay healthy everyone. 😊

I have Sunlife, Prulife, Axa, Kaiser (on hold)
and AXA GHA Gold Lite Plus HMO.

Except for the HMO na yearly ang renew (69k per year) Lahat yan life insurance with investment.

Malapit na matapos ang Prulife Elite 5 ko 🙂

Alam nyo ba late na ko kumuha ng mga ganyan 5 years ago lang. Laki kasi ako sa province, scam lang tingin ng parents ko sa mga yan 😂 Hindi ko din afford pa nung nag uumpisa pa làng ako sa practice ko.

Nagkasakit si Papa, Cancer, wala syang ganyan syempre. Halos or naubos na nga kasi dumating na sa point na kikitain ko pa lang ang panggagatos namin. May mga tumulong din naman, kapatid nya, pinsan nya and kapatid ko din pero sa akin talaga yung malaki at naubos. Hindi naman ako nagsisi kasi Tatay ko yun and mahal ko yun. Sana lang napaghandaan.

Na realize ko na tama na kumuha na ko 5 years ago, kasi paano kung ako naman magkasakit? Sino tutulong sa kin? Paano if mawala ako, Paano si Madam B diba.

Kaya kung meron pa dito na wala pang life insurance with Investment kumuha na kayo while bata pa kayo. If kaya pa kuha kayo ng HMO din. Yang AXA GHA Gold Lite Plus ko 100M ang annual limit nya.

If wala pa kayo, mag chat kayo sa kin, ibibigay ko kayo sa FA ko. Wala akong commission sa pag refer sa inyo 🙂

Kelangan nyo to.
Get yourself insured.

******

See I can advocate this without me becoming a formal FA and be part of a team na may commission ako 😛

Another Insured Investor !

Congratulations to my dear client who is a medical representative that wants to invest while being insured ! This 29 years old client has on him P2.5M Comprehensive Protection with P3.2M Projected Investment that he can enjoy in his retirement ! 👏

Want also to be an insured investor ? Send me a message 📩 and I will guide you towards your financial goals and dream retirement or even educational fund for your kids !

_________________________

Ren Parayno
Financial Advisor

𝐖𝐡𝐲 𝐄𝐥𝐢𝐭𝐞 𝟓 𝐢𝐬 𝐭𝐡𝐞 𝐁𝐞𝐬𝐭 𝐒𝐚𝐯𝐢𝐧𝐠 𝐏𝐫𝐨𝐠𝐫𝐚𝐦?

- Elite has the highest Fund Allocation in the Market

𝐏𝐫𝐮 𝐋𝐢𝐟𝐞 𝐔𝐊'𝐬 𝐄𝐥𝐢𝐭𝐞 𝟓 has a short saving period of 𝟓 𝐲𝐞𝐚𝐫𝐬, with higher premium allocations on investment, which allows for faster wealth accumulation.

Perfect for:

✅ 𝐌𝐞𝐝𝐢𝐮𝐦 𝐭𝐨 𝐥𝐨𝐧𝐠-𝐭𝐞𝐫𝐦 𝐩𝐥𝐚𝐧𝐬
✅ 𝐄𝐝𝐮𝐜𝐚𝐭𝐢𝐨𝐧𝐚𝐥 𝐟𝐮𝐧𝐝
✅ 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐅𝐮𝐧𝐝
✅ 𝐁𝐢𝐠 𝐏𝐮𝐫𝐜𝐡𝐚𝐬𝐞𝐬
✅ 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐏𝐥𝐚𝐧𝐬

And so much more. Plus, you or your loved ones are still insured. So, if you have enough funds sleeping in the bank, why not invest a portion of it in INSURAVEST such as ELITE 5.

Also available in 7, 10, and 15 years savings options. 😊

There's no other way but to go up. Always choose to diversify.

📥 Message me for a free consultation.

Happy to share this investment report of my dear client owning an Elite 15 plan 😊. His policy is only 8 months old now and the actual investment value already surpasses the projected fund at 1 year 😱 .

Want to invest while being insured ? Just send me a 📩 and I'll assist you 😊

Ren Parayno
Lic. Financial Advisor

Planning to retire soon?
Buy a house and lot?
Purchase a car?
Build a business?

I got you! Be an ELITE POLICY HOLDER. ✨

Let’s have a quick discussion and customize your own plan FOR FREE!

Comprehensive INSURANCE BENEFIT plus INVESTMENT. 😊❤️

Message me for inquiry 🥰

Thank you Lord for the achievement and Thank you dear clients for your trust 😊🙏 .

🔹Circle of Champions April 2023
🔹 Top Rookie April 2023

Let's talk about EDUCATIONAL PLANNING. 📝

Client: Paano ko magagamit sa educational funding ang insurance na kukunin ko?

Me: Ganito po yun client, habang nagbabayad ka ng insurance mo regularly iniinvest ni insurance company ang portion ng pera mo sa ibat ibang investment platforms like funds, bonds or stocks so intime may tinutubo ang pera. At ang tubo na yun or fund value ay maaari mong withdrawhin sa oras na magcollege na si junior or si baby.

Yes, client! Ang perang tinubo ng investment mo ay maaari mong gamitin habang buhay ka pa. Magnegosyo, magtravel o magpagawa ng rest house.. Kayang kaya mo na client at hindi nababawasan ang sum assured ng insurance mo. Kung 3M man yan, may 3M ka pa ring maiiwan sa pamilya plus ang tinubo pa ng pera mo.

The best to, client! ♥️

Let's talk. Let's plan. Get your own policy insurance with investment now! ☺️”

Come and join us !
Be a PruLifer !

looking for a sign 🤔?

then sign-up now ! Send me 📩📩📩

Life insurance with investment may not make you rich right away. But it can help with the ff:

⭕️ Preserve your wealth when a critical illness, accident, or hospitalization happens;
⭕️ Leave behind a legacy for your loved ones if you are called early

⭕️ Prepare for life milestones - College of kids, Purchase or major properties, Business setup, Retirement, Travels, etc.

Talk to a Financial Advisor today 🙌🙌

👞👔👖💼👓🖥️💻📃💹

To everyone, please understand that our job as Financial Consultant is not simply about sending out sample proposals.

In order to create the best plan for our clients, we meet them personally so that we can better understand their needs and goals.

Mas madali nalang ngayon, Online meeting via ZOOM at the comfort of your home.

Tara, Usap na tayo? 🙂

Client Convo Regarding Insurance:

Client: Meron na ako insurance.
Advisor: Congratulations po! How much ang insurance coverage nyo sir?
Client: 1M

Advisor: I see. If I may ask, magkano po ang monthly expenses nyo sa family? Breadwinner po ba kayo?
Client: Yes, I'm the breadwinner. Nasa 50K ang monthly expenses namin sa family.

Advisor: So if 50K po ang monthly expenses nyo, ilang months lang po tatagal ang 1M?
Client: Ummm.. compute ko lng..
(After computing) "20 months."

Advisor: If something happens po sa inyo, your family can only live for 20 months or less than 2 years with your 1M insurance coverage. Ok lang po ba yun sa inyo?

Client: No. I think I need additional insurance coverage.

Kayo po, how much na ang insurance coverage nyo sa ngayon? If hindi po kayo sure if that is enough, I can help you!

Feel free to contact me 😍

Why is life insurance important?

Let’s look at five key reasons.

1. Protection for you and your family

Your family depend on your financial support to enjoy a decent standard of living, which is why insurance is important once you start a family.

It means the people who matter most in your life may be protected from financial hardship if the unexpected happens.

2. Reduce stress during difficult times

None of us know what lies around the corner. Unforeseen tragedies such as illness, injury or permanent disability, even death – can leave you and your family facing tremendous emotional stress, and even grief.

With insurance in place, you or your family’s financial stress will be reduced, and you can focus on recovery and rebuilding your lives.

3. To enjoy financial security

No matter what your financial position is today, an unexpected event can see it all unravel very quickly.

Insurance offers a payout so that if there is an unforeseen event you and your family can hopefully continue to move forward.

4. Peace of mind

No amount of money can replace your health and wellbeing – or the role you play in your family.

But you can at least have peace of mind knowing that if anything happened to you, your family’s financial security is assisted by insurance.

5. A legacy

A lump sum death benefit can secure the financial future for your children and protect their standard of living.

If you want to know more about us and our programs, feel free to send me a message anytime and I’ll be happy to assist you. ☺️

✨The Magic Pantalon ✨

Sabihin nating kaya mong mag-ipon ng 5,100 monthly.

𝗟𝗲𝗳𝘁 𝗽𝗼𝗰𝗸𝗲𝘁 (Bank) - Php 3,000.00 allotted for savings, emergency fund, short-term goals.

𝗥𝗶𝗴𝗵𝘁 𝗽𝗼𝗰𝗸𝗲𝘁 (Pru Life UK) - Php 2,100.00 allotted for insurance just in case magkasakit ka, ma-ospital, o ma-aksidente. (Bonus: may investment allocation din ito.)

Imagine if sa bank mo lang sini-save yung Php 5,100.00 mo, kapag nagkasakit ka, ubos ang savings mo at madalas kulang pa.

Whereas, if naisipan mong hatiin, you are also entitled to guaranteed protection benefits.

𝙉𝙖𝙬𝙖𝙡𝙖𝙣 𝙠𝙖 𝙗𝙖 𝙣𝙜 𝙥𝙚𝙧𝙖? 𝙃𝙄𝙉𝘿𝙄

Hinati mo lang para when uncertainty happens, di mo magagalaw ang mga pinaghirapan mong ipunin.

That’s the value of financial literacy.

Send me a direct message if you need a plan that is right for you. 😊📩

Unfortunate events can happen anytime ...😌

So, ate/kuya, bro’s,paps,sis, tropapips!😁
Message mo na ako dali! Wag nang magpatumpik-tumpik pa! 😍👌🏻📩