Simply Delicious

Kwentong Insurance 101

While browsing a webpage of quotable quotes, I read -------- “A PERSON WITHOUT AN INSURANCE IS A WALKING LIABILITY.”

Tumaas ang kilay ko. Kumunot ang noo. Parang ganito nga naman yan. Meron kang car, and since brand new, siyempre may insurance yan. Ikaw na owner, hindi mo priority ang sarili mong insurance. Now, (knock on wood) at may aksidente. Sino pa ang mas may value? Si car. Bakit? Kase may proceeds from the insurance. May St. Peter ka kamo? Teka, nagmamadali ka naman agad, hospital muna. May HMO naman, di ba? Pero take note may limitations ang HMO. Up to what extent lang ang coverage niya and how much?

Dugtungan natin ang kwento. Hindi nadeads, pero nasa ICU. May assets naman ako, may stocks pa ko, may business pa ako, may mga collections ako ng mamahaling gamit. So you mean liquidate natin to cover the hospital bills? Paano naman ang mga susunod na henerasyon mo, kung bread winner ka pa di ba? Or may pamilya naman ako. Ako ang nagpaaral sa mga kapatid ko, imposible namang pagdamutan nila ako. Right, ikaw nga ang tumulong sa kanila na umangat, huwag mo naman sila hataking pababa dahil sa sila ang sasalo sa mga bills mo. Pano kung may mga pamilya na rin silang binubuhay?

May kasabihan nga na ---- “Insurance is bought not because someone has to die, but because there are those who will be left behind who need to continue living.”

Nowadays, mahal na ang magpagamot at mahal din ang mga gamot. Tuloy pa rin natin ang kwento. Since nasa hospital ka, income has somehow stopped coming in since you are not capable of working or trading stocks and your business is now being mismanaged. Ang lungkot, beshie, di ba?

If only you have listened to that makulit na Financial Advisor who kept asking you an hour of your time to help you prepare for the unexpected, hayahay ka sana ngayong nagpapagamot. Mabilis ka makakarecover, pwede na magtravel agad agad pag labas ng hospital.

Nasa huli ang pagsisisi. It’s better to be five years early than five minutes late.
BOW.

Life insurance as a glance can simply seem like an expense to every household. Like most of us has a wrong connotation of getting life insurance as if we are throwing money. But it’s something you get not because someone has to die but because your family must continue living. Remember all your hard work, the life you would like them to give, how about your dreams for them? If you love them that much then better seal those dreams with life insurance.


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This is WHY you should GET FINANCIAL PROTECTION Now!

One of my advisors had a male client who got a life insurance policy on a Tuesday. Four days later he DIED due to an accident. He was only 25 years old, and left a 23-year old wife and a baby.

The wife didn't like insurance but for some reason she did not object when her husband took out the policy. At his wake, the grieving wife can only whisper to him "grabe ka, hanggang sa huli hindi mo kami pinabayaan." I'm pretty sure she's now a believer of the value of life insurance.

The situation would've been very different If the departed client postponed for another week or even just a few days getting that life insurance policy, or the wife prevented her husband from getting one.

So for your family's sake get financial protection RIGHT NOW. Tomorrow may be too late. Any delay could mean a life of financial hardship for your family if you pass away unexpectedly.
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As an EMPLOYEE or OFW, what is the BEST WAY to BUILD YOUR FAMILY'S FINANCIAL FUTURE?

As a Financial Advisor, I always recommend this FINANCIAL SUCCESS FORMULA:

👉SAVE + INVEST + SECURE = SUCCESSFUL FINANCIAL FUTURE.

Saving money is not enough because inflation will beat you... So you need to INVEST.

But investing is also not enough. You need to PROTECT and SECURE the future of your children and spouse just in case something happens to you.

✅These three things are the best ways to build your family's financial future.

The GOOD NEWS right now is that you can do these things (SAVE + INVEST + SECURE) in a SINGLE FINANCIAL INSTRUMENT called VUL or Variable Unit Linked.

Are you interested to know more about VUL so you can BUILD YOUR FAMILY'S FINANCIAL FUTURE RIGHT AWAY?

TAP the 'Send Message' button below and let's start a conversation.

Dami mo na na-add to cart ah! Sige lang! But don’t forget to also set aside money for your family's future and protection too! 👨‍👩‍👦

Be part of happening on August 02. Let's celebrate with our AIA Global Ambassador David Beckham along with our very own Nico Bolzico, Mond Gutierrez, Wil Dasovich and Anton Del Rosario.

Get a chance to win a trip to London to watch the Tottenham Hotspur by signing up at Https://bit.ly/AIALIVE_AIAPHILAMLIFE

https://youtu.be/_S8VBBWZITI

PHILAM LIFE AIA MED ASSIST

Who can avail:
18 to 55 years old

PLAN FEATURES & BENEFITS:

☑️ Life Insurance Coverage up to 80 years old
☑️Hospitalization & Medical Benefits (90% of your medical bills will be paid by AIA MED ASSIST)
☑️Daily Hospitalization Income Benefit
☑️Medical Fund (Investment/Savings)
☑️Philam Life Vitality (Rewarding Health & Wellness Program)

🔻with Waiver of Premium benefit, you won't have to pay your future premiums.

Wag papigil sa hospital bills Di dapat balakid sa buhay ang hospital bills. Afford mo ring magpaospital kung kinakailangan. Para tuloy-tuloy ang pagkayod for your loved ones, talk to an A...

During this trying time, I can help keep you and your loved ones protected against life's major risks. We can meet virtually while staying at home! Send me a PM if you're interested.

What happens when you get disabled? Income stops but expenses still continue - and it's a worse situation to be at than death. Loved ones will eventually take care of you, but did you ever ask the question 'who takes care of them?'

Number one in Assets, Invested Assets and Networth!♥️♥️♥️
PhilamLife is sufficiently stable to make sure your loved ones won’t be left with less than you’d planned after you go.

Source: Insurance Commission (insurance.gov.ph)


stable
insurance company

You currently have insurance on car, home, and gadgets. You insure things that are replaceable, but not your family?

Philam Vitality allows you to enjoy rewards for taking active steps in knowing and improving your health. The healthier you get, the more points you earn and the higher your status becomes. The higher your status, the bigger your rewards.

LOOK FORWARD TO A HAPPIER, FULLER LIFE!
Active Health Invest Plus is a health and insurance plan that takes care of your health now and in the future.

Your family is your greatest treasure so you do your utmost to ensure their happiness and well-being.

With Philam Life's Guardian, an affordable term insurance plan, you can now give more than just basic protection for you and your family.

Family Secure is a life insurance plan that allows you to live life free of worry. It provides high-value life insurance coverage that you can convert into a retirement plan when you get older.

Family Secure is available at a minimum premium of PHP 16,000 a year.

You work hard to achieve your dreams. However, your hard earned savings are not growing as much as you want them to.

Get a head start in achieving your dreams faster with Philam Life’s MoneyWorks.

Be prepared with Philam Life's Cancer Life Shield. It is annually renewable health insurance plan which gives you coverage for expenses incurred due to cancer.
Cancer Life Shield is available at a minimum premium of 2,000 a year.

Be one step ahead and avoid the stress caused by the medical expenses. With AIA Med-Assist, nothing will hold you back from continuing your dream.

What if we tell you that you can go even further in protecting your dreams and family?
With AIA All-In-One, you can now protect your loved ones from 4 major life risks: critical illness, accident, disability, and untimely death.
That way, you can conveniently secure your future and live worry-free with your family.

Retirement is a time to enjoy all the things you never had time to do.It is the phase of your life when you just want to sit back, relax and live without worries.
Philam Life's Future Protect can take care of your future needs.

Message me for more details.

Coverage for 100 critical illnesses until age 100

Critical Illness Insurance Plan | AIA Critical Protect 100 | Philam Life Stay one step ahead with AIA Critical Protect 100 - a critical illness insurance plan that protects you against 100 critical illnesses from age 0 to 100. Contact Philam Life today!

Life and Health Insurance vs HMO: Which protection is more beneficial for you?

Health Insurance vs HMO: Know the Difference & Similarity | Philam Life Do you enjoy health insurance benefits through your employer’s HMO? Find out how insurance with health benefits can step in when your company's HMO falls short and fails to provide. Learn more.