Victor Allan Diola- Prulife UK Investment and Financial Planner

To everyone out there na nagtatrabaho, umiincome, but still, vulnerable if ever you’ll spend much when you get sick.

Did you know your life insurance can HELP you BIG-TIME with the expenses? 🔐

Asides from that, did you know it can also help your savings grow at a HIGHER interest than in the banks? 📈

Sharing to you some of our VUL plans (insurance+investment) which can help you get claims in times of uncertainties and help your savings grow within your INVESTMENT horizons.

Want to know more?

Schedule a meeting with me. No commitments tayo mga friends kay committed nako sa akoang bago gi engage-an, basig makulatahan ko unya.

Let’s meet and discuss your bright future aheas! 🎉

Inclusions:
* Free Coffee at your own coffee shop of choosing
* Zoom/F2F meeting
* Financial Planning Sheet

Eyes here!👀

So, what are your mid-long term financial plans based on your budget and financial goals?🤔

* Dream House.🏡
* Starting a business in the mid-long term.🕴️
*Retirement Plan.👴👵
*Educational Fund.🏫

Pick a suggested plan and let’s discuss more via zoom or F2F!

Promo:
For online bookings, you may avail of a free coffee frappe freebie via Foodpanda or Grabfood.
For face-to-face, only available in Bukidnon, a free coffee frappe at any shop of your own liking.

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For more information you may send me a message by clicking on the SEND MESSAGE button below.

BTID vs VUL?

At san ba sa dalawa ang dapat maging strategy mo sa paginvest at pag insure sa sarili?

What are these two and why are they usually mentioned whenever people talk about finance?

BTID (Buy Term, Invest the Difference): is an investment strategy. The idea is to buy term insurance (with optional inclusioms of coverages) instead of getting a VUL, and the remaining money goes to investments you choose (mutual funds, stocks, Unit Investment Trust Fund (UITF), MP2, real estate, business, or others as such.

Important to note that in this strategy; investor must ensure that the investments are managed efficiently so as to avoid the instance of BTWD (buy term waste the difference).

Insurance Premiums are also not fixed in term insurances and dependent on age and insurability. As years pass by, term insurance premiums rise higher.

VUL: Variable Universal Life insurances provides clients’ with life insurance (including optional benefits) and investments that work like mutual funds (but managed by the insurer’s fund manager).

Unlike BTID, premiums paid for VUL are fixed and flexible. Example, if you got your comprehensive VUL Plan at 23 years old and your annual premium is 36k, regardless if you’re 45, you’ll still be paying for the same amount. If di mo rin afford ang 36k annually, the premiums can be adjusted based on your budget (but some of your coverages may lessen in the process.)

Asides from that, the burden of day-to-day investing (assuming clients will be investing on Stock Market or Businesses), will be assumed by the Life Insurance Company and their fund manager. However, no figures are guaranteed and there will be charges. But basing on a long-term investment horizon, VUL pays off your investment through premium holidays. This benefit is given to clients who pay their premiums digilently, and are give additional investments by their insurer, free of expense.

It is important to note however that your investments with a VUL plan does not immediately grow after 5 years, in comparison with your investments when applying a BTID strategy.

However, because of premium holidays and a fixed insurance premium, you’ll end up saving more in the long-term in comparison with fluctuating term insurance rates.

But again, at the end of the day, if you personally manage your investments well and can afford the fluctuating insurance premiums, then maybe a VUL isn’t for you.

Again, no size fits all!

Feel free to invest wherever you feel like your hard-earned money is secure and fits your investment time-frame.

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If you think a VUL life insurance plan is for you, why not see a free proposal and balance it for yourself!

Message me for a free FINANCIAL consultation with a free quotation plan.

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Let’s talk about Building Your Future soon!

From a financial adviser, not just an insurance agent.

Ayaw ko na bentahan kayo agad without you fully understanding what you’re getting into.

A lot of us, financial advisers, are selling VUL products to you.

But what is it and what are the risks and rewards it involves?

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DISCLAIMER: Long post ahead. I’m making this post to help you better understand of what are the risks and rewards in getting the VUL insurance product.
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This comes from two perspectives: a financial adviser who sells life insurance products, and a worker who seeks to protect and make his hard-earned money grow in the long run.

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People seem to misunderstand the true value of a VUL product.

And I can’t blame you. A lot of financial advisers are overselling the idea of a VUL providing you with GUARANTEED high-returns in the foreseeable future, dismissing any possible market crashes and volatilities.

So ano nga ba talaga ang VUL life insurance product?

✔️ Variable Universal Life Insurance is a type of life insurance that builds cash value. It provides coverages for hospitalization, critical illnesses, accidents, and death.

✔️ Cash Value is built similarly with how Mutual Fund works, exposure to market fluctuations can generate significant returns, BUT may also result in similar losses. In no way are returns guaranteed as investments are diversified in the stock market.

✔️ Investments do not rise immediately compared to mutual funds. In the first years of your insurance policy, your premiums are allocated in building your coverages.

✔️ A VUL-plan can either be a policy paid for the entire lifetime or for a limited-time.

So when should you choose a VUL product and why?

✅ Having insurance coverage is always and advantage. Whenever life’s emergencies give a call, it’s always better to have an insurance policy cover for most of your expenses and to leave millions behind to your family if something happens to you.

✅ You have the option of where you can invest your money on! For some clients, they would rather play it safe and earn lesser in the long-run by investing on managed bonds. There are a lot of investment funds you can choose from.

✅ Premium Holidays are important and an advantage with a VUL product. This benefit is given if you pay your premiums timely. Your insurer provides free added capital to your investments and help your investment portion grow larger in the next 10+ years. Good for long-term growth and retirement fund planning.

✅ Getting most value out of two products; having a life insurance and an investment at one price that manages your financial risks and provides you with investment-return potential is always better than just leaving it in a bank.

✅ If you have existing investments, but still fail to get insurance coverages or still unsatisfied sa coverages, and are still in the market for more investment platforms, then this is for you!

The Variable Universal life insurance product, in no way, promises for you to be abundantly rich.

It promises you to be prepared for life’s worst, and at the same time, enjoy a significant amount of growth in your capital for the long-term to help prepare a future you can look forward to.

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May VUL insurance ka na ba?

Kung meron na, is it enough na ba?

Or, if ever, di pa kaya or di fit sa goals and budget si VUL, interested ka na ba magpainsure for critical illnesses, hospitalization, accident, and death lang?

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Message me so together, let’s BUILD YOUR FUTURE!

You can also comment how on this post so I can approach you and set a meeting for a FREE Financial Consultation with me.

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Lamang ang may alam!

Ano nga ba ang dapat unahin? 🤔

For most employees nearing retirement, they think that pension is enough.

Here’s the thing, if magkakasakit kayo during those times, you’ll be forced to withdraw from your pension (through loans) in order to pay off your hospitalization and other expenses.

This is just one of the many reasons why people should NEVER rely on PENSION ALONE.

Do you want to know more about the advantages of having a VUL plan?

Schedule a meeting with me, face-to-face or zoom, and coffee’s on me!

Let’s talk about together.

Victor Allan Diola- Prulife UK Investment and Financial Planner

𝗢𝗙𝗪 𝗣𝗔𝗚𝗕𝗔𝗕𝗔𝗟𝗜𝗞 𝗦𝗔𝗩𝗜𝗡𝗚𝗦 𝗣𝗥𝗢𝗚𝗥𝗔𝗠

𝐒𝐓𝐀𝐑𝐓 𝐘𝐎𝐔𝐑 𝐀𝐔𝐓𝐎𝐌𝐀𝐓𝐈𝐂 𝐒𝐀𝐕𝐈𝐍𝐆𝐒 𝐖𝐇𝐈𝐋𝐄 𝐄𝐀𝐑𝐍𝐈𝐍𝐆 𝐀𝐁𝐑𝐎𝐀𝐃

𝗕𝗘𝗡𝗘𝗙𝗜𝗧𝗦 𝗜𝗻𝗰𝗹𝘂𝗱𝗲𝗱:
✅Life Insurance
✅ Critical Illness Benefit
✅Accidental Coverage
✅ Hospitalization Benefit
✅ Savings & Investment Fund

𝗖𝗮𝗻 𝗮𝗹𝘀𝗼 𝗙𝗨𝗡𝗗 𝘆𝗼𝘂𝗿:
✅Educational Fund
✅Future medium to long term Investments
✅Future Travel Goals
✅Retirement Planning

*Figures may vary depending on your age, budget, occupation, health status and smoking habits. We also offer custom plans affordable for your target budget.

𝗙𝗥𝗘𝗘 𝗤𝗨𝗢𝗧𝗔𝗧𝗜𝗢𝗡𝗦 𝗔𝗩𝗔𝗜𝗟𝗔𝗕𝗟𝗘.
𝗚𝗘𝗧 𝗜𝗡𝗦𝗨𝗥𝗘𝗗 𝗢𝗡𝗟𝗜𝗡𝗘





DM for a personalized program.👍🏻

Salamat Lord for this great news! 🙏

Client invested last year. We expected na sa second year of her 15 years to pay elite insurance plan with Prulife UK na by the end of the year, she will have 44,486.98. 📈📈

We're still at the second quarter, pero ang real value ng investments niya is already at 36,956.24!!! If that is the case, then on-track kami ng client ko to make her withdraw her FIRST million after 9 years!!! 🤩📈

As you can see below, these are the estimated value of my client's investments. At the same time, as you can see based on the value provided, client is looking very optimistic to start a big business soon with much capital! 🧐

After 15 years, the client's policy will be fully paid, and her investments will continue to grow and she will still get her coverages for her entire LIFETIME. 📈

Do you want to have this plan too? 🤓

Let's schedule a meeting and discuss our financial plans aimed to help your savings grow and your financial risks covered. 📈

Ask me how for more details!
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For bookings on personal financial planning sessions: You can message me on this page or reach out to my work number, 0917-130-9469.

For more tips on how to organize your cash-flow, advises on financial-planning, investments, and life-planning, make sure to click the follow button!

☕️☕️

No truer words have been spoken- with respect to our finances.

Sometimes, it's not an issue of how much people earn. It's more of a matter of concern on how they manage what they earn.

Always remember that managing your income, is equally or even much more important, than just earning it.

Millionaires don’t always earn their money overnight; they often get there via hard work and shrewd investment. Many of us don’t mind doing the former, but it’s the latter that often stymies those who need a little chat from a mentor to know where they can start.

Eyes here! 👀

Want to know the best investment and insurance plan is for you; based on budget and financial goals? 🤔

Planning for a?

* Dream House. 🏡
* Starting a business in the mid-long term. 🕴️
*Retirement Plan. 👴👵
*Educational Fund. 🏫

Pick a suggested plan and let’s discuss more via zoom or F2F!

Promo:
For online bookings, you may avail of a free coffee frappe freebie via foodpanda or grabfood.
For face-to-face, only available in Bukidnon, a free coffee frappe at any shop of your own liking.

————

Schedule:

For Zoom Meetings:
Weekdays: 10am-8pm.
Weekends: 10am-9pm.

For Face-to-Face meetings:

Weekdays: 10am-6pm
Weekends: 10am-7pm.
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How to book?
1.) Message me directly on this page.
2.) Pick a specific date and venue for the said meeting.
3.) Enjoy your freebie and get engaged in planning towards a future you can look forward to!
Cancellation of appointment must be done at least a day before the planned date.
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‘If you don’t find a way to make money while you sleep, you will work forever’ - Warren Buffet
Let’s plan your financial goals and together, let’s work towards achieving a future you can look forward to! 🤝

Hi! Good-day job and extra-income hunters! 🫰

I'm actively looking for part-timers or full-timers to join me and my expanding team in Prulife UK.

We offer these benefits:
- Unlimited earnings for part-timers and full-timers.
- Full-timers get to join a program that provides a monthly compensation at around 20-50k on top of commissions.
- Local and International Travel Incentives.
- Online and F2F Trainings.
- HMO and Life Insurance coverage provided upon hitting criteria.
- Monthly and Quarterly incentives.
- Flexible Work Arrangement: (F2F or WFH)
- W.A.O.T. (Work at your own time)

Qualifications
- Open to all college graduates.
- 6 months of sales experiences is an advantage, but not a requirement.
- Willing to be trained.
- No to Marites-ing!
- Goal-oriented and driven.

Note: This is not a networking or MLM scheme. This also is not an opening for a call-center job.

For interested applicants, you can message me on messenger or send a CV at my email, [email protected].

I have five open positions up for the grabs.

Send in your applications now!

After hitting a low-score days ago, PSEi bounced back big time two days ago to end its three-day slide.

THE Philippine Stock Exchange index (PSEi) broke its three-day losing streak on Friday, rallying by 2.51 percent to close at 6,217.56.

However, this still is a manifestation of how trading is risky for investors with low-medium risk tolerance.

Invest better by having an investment manager sort out your investments for you.

https://www.manilatimes.net/2022/06/25/business/top-business/psei-snaps-3-day-slide/1848630

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For bookings: You can message me on this page and set-up an appointment to talk about how we can plan your investments and the options you can make to ensure you achieve a future you can look forward to.

Honored to be invited in such a prestigious event!

Out of a thousand agents, I am grateful and blessed to be one of the 21 qualifiers for our branch in the Mid-Year Achievers’ Congress of Prulife UK.

This is the first time, and I certainly hope not the last, that I qualify for such a prestigious event that features only a qualified few to be a part of it.

This accomplishment is not my own, but a fruit of all the support that my family, mentors, and clients support and patronage.

Maraming Salamat sa paniniwala at pananalig, and I look forward to achieve more as I serve you more!

Investments in the stock market are still volatile due to global econonic conditions and instability of pricing in the PH market.

Let us help you do away with the stress of trading and investing.

Prulife UK’s investments are managed by Eastspring Investments, a global leader on investment management.

Message me for a free investment planning session and a free quotation.

Stocks dive, peso weakens ahead of BSP rate meeting Philippine stocks took a beating for the second straight day, and the peso lost further ground a day ahead of the rate-setting meeting of the Bangko Sentral ng Pilipinas.

Purchasing power of peso still at threat due to rising global inflation rates.

How does this affect the ordinary Filipino consumer?

- Ability to spend may be constrained due to rising prices and low valuation of currency.
- Savings are threatened due to potential of rising prices.

Ensure that your savings grow moderately to combat future constraints in ability to spend.

PH peso at its weakest since 2005 at 54.47:$1 MANILA, Philippines — After breaching past the P54 mark against the greenback, the Philippines’ local currency continued to weaken on Wednesday, closing at 54.47:$1, b...

Key notes on why ABS-CBN believes that life insurance can help promote a healthier, longer, and better life. 🔐

1.) Unexpected expenses will not bankrupt you
* Medical emergencies or untimely passing of a family's breadwinner can greatly affect a family, however, there are insurances that cover these situations so that families do not have to worry about finances during these difficult times.

2.) Potential to earn investments
* A variable universal life insurance has a built-in cash value that is then invested by the insurance company to stocks, bonds, and mutual funds which enables insurance policy holders to earn at a higher rate.
* This can help you potentially earn from your investments and buy your financial goals sometime soon. Examples of financial goals that you can buy are houses, properties, starting a business, or owning a car.

3.) Comprehensive life protection solutions
* Innovations within the different insurance companies brought to life new insurance products and reinstated the limited pay schemes of popular products, in order to cater to customers' changing needs and make insurance accessible and affordable for all Filipinos.

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Get financially protected.
Earn from your investments.
Live a life you can look forward to.

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For bookings on personal financial planning sessions: You can schedule a meeting here or reach out to my work number, 0917-130-9469.
For more tips on how to organize your cash-flow, advises on financial-planning, investments, and life-planning, make sure to follow our page!

How insurance brings healthier, longer, better lives Owning an insurance policy may lead to a lot of benefits for an individual and a family to help reduce risks in income loss.

Paano ba mas maging effective sa pagtitipid? 🔐

Sharing to you some tips I learned from my business-owner and employee clients who have now attained financial freedom; earning passively, getting a lot of money from their investments, and have no financial risks! 🌅

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Let me help you plan towards a future you can look forward to!

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For bookings on personal financial planning sessions: You can schedule a meeting here or reach out to my work number, 0917-130-9469.
For more tips on how to organize your cash-flow, advises on financial-planning, investments, and life-planning, make sure to follow our page!

How can we manage rising prices in the mid-long term horizon? 🤔

Albay Rep. and economist Joey Salceda states that he predicts PH inflation rate could hit 8%.

With global uncertainty still looming on basic consumption prices due to the disruption of supply chain, the rising inflation rates on basic consumer goods are going to be a continuous trend in the incoming months.

With factors such as these damaging the purchasing power of peso, it is important for us consumers to diversify our savings and investments to ensure that our finances in the near future cope with these threats of rising prices.

How can a VUL help you manage these risks?

🟢 Low premium affordability. In the case of hospitalization or any other medical-related emergencies, your VUL product can help manage your expenses during your hospitalization or expenses incurred during the period at little cost.

🟢 Our savings program grow up to 5,8,10% or even higher in the mid-long term. This is because your savings are invested on the stock market on companies who are growing amidst this uncertainty.

We cannot control the rising of prices, but what we can control is how you manage your finances during these times.

Ask me, your financial adviser today.

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For bookings

Please message me on this page: Victor Allan Diola- Prulife UK Investment and Financial Planner

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https://business.inquirer.net/350742/ph-inflation-rate-could-reach-8-percent-if-russia-ukraine-war-continues-salceda

It's now easier to send Victor Allan Diola- Prulife UK Investment and Financial Planner a message.

Paano ba nakakamit ng mga employees ang kanilang financial goals? 🤔

As a person who depends on a monthly income, in which the amount is fixed and increase often comes a while, I'm sure you have also felt the fear that time might run out for you to make big leaps in buying your ideal house, getting your dream car, or preparing a suitable retirement fund.

Salary-earners are often constrained to increasing living expenses albeit having a fixed-salary, and thus it is understandable of where this fear roots from.

Living paycheck-to-paycheck makes it hard for us to see if basing on our budget, we are able to achieve these financial goals we have in mind.

Below are tips on how, as an income-earner, you can prep start preparing yourself towards achieving your financial goals. 👇

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For bookings on personal financial planning sessions: You can schedule a meeting here or reach out to my work number, 0917-130-9469.

For more tips on how to organize your cash-flow, advises on financial-planning, investments, and life-planning, make sure to follow our page!

Eyes here! 👀

Want to know the best investment and insurance plan is for you; based on budget and financial goals? 🤔

Pick a suggested plan and let’s discuss more via zoom or F2F!

Promo:
For online bookings, you may avail of a free coffee frappe freebie via foodpanda or grabfood.

For face-to-face, only available in Bukidnon, a free coffee frappe at any shop of your own liking.
————
Schedule:

For Zoom Meetings:
Weekdays: 10am-8pm.
Weekends: 10am-9pm.

For Face-to-Face meetings:
Weekdays: 10am-6pm
Weekends: 10am-7pm.
————
How to book?

1.) Message me directly on this page.

2.) Pick a specific date and venue for the said meeting.

3.) Enjoy your freebie and get engaged in planning towards a future you can look forward to!

Cancellation of appointment must be done at least a day before the planned date.

————

‘If you don’t find a way to make money while you sleep, you will work forever’ - Warren Buffet

Let’s plan your financial goals and together, let’s work towards achieving a future you can look forward to! 🤝

Do you want to know what keeps me in this industry? 🤔

I believe that as important an investment and insurance plan is, where you get it from is equally important.

Here are tidbits explaining my why’s and what I want to accomplish with you. 🏆

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‘If you don’t find a way to make money while you sleep, you will work forever’ - Warren Buffet

Let’s plan your financial goals and together, let’s work on achieving them all! 🤝

Book me!

Face-to-Face and Zoom Meetings:

📲 09171309469

Or

Message me here!

Hi! 👋

Lovely to meet you!

My name is Victor Diola, an Assistant Unit Manager, and an award-winning financial and investment planner for Prulife UK.

Prior to working with Prulife UK, I've had multiple experiences working in different fields such as education, sales, marketing, and customer-service. Working in these different industries have taught me valuable lessons not only for my personal life, but also in work, and most especially in finance.

I look forward to seeing you more frequently on my page. I'll be posting every now and then content that will seek to help give you insight and reflection of how my experiences in life and managing with different client portfolios have shaped me and my clients financially, spiritually, emotionally, and mentally.

For bookings on investment and financial planning, you can reach me by messaging this page or my work number (0917-130-9469). I can help you sort out your finances, de-risk your finances, and put it in platforms that are best to help you achieve your goals.

This is a growing process and I look forward to growing with you.

Much love,

Vic

Victor Allan Diola- Prulife UK Investment and Financial Planner updated their business hours.

What is the most important food/drink in your breakfast meal that helps you focus on the day ahead? 🤔

The best way to honor your income is to reinvest it. Give it a chance to work harder than you. Don't waste everything you get. Not everything you earn is meant for spending. When you understand this massively that's where financial freedom begins.