Marc Dimaculangan - Licensed Financial Advisor

PRU TRIVIA: Pru Life UK insuring lives since 1848!

Did you know that the beneficiaries of 262 crew personnel and 30 passengers of Titanic were able to get claims from Pru Life UK?

Prudential Assurance Company Ltd. (Known as Prulife UK in the Philippines) has been in the industry and insuring lives since 1848!

We have been insuring lives since Titanic days. Back then, people never thought that The Titanic was going to sink; and then it did.

And we are true to our promise to provide financial security to the bereaved loved ones of the insured. Just when the time comes. We can insure more lives today & tomorrow.

Our income is one of our most important resources because it allows us to meet our needs and wants. It's also what helps us reach our financial goals in life.

Even if we face situations where our assets run out, like when a business doesn't succeed, as long as we have income, we can recover and start a new.

But what happens when our income stops? This can seriously impact our financial future😕. That's why it's crucial to have an Income Protection Plan.

Feel free to get in touch with me to learn more about how this plan can help you😊

Lazurite branch huddle about underwriting guidelines and free shopping for REIGNITE qualifiers. Thank you DM teri for the free pants. 🙂

Whoa! When I check college tuition fees lately, grabe na sa taas! You might be feeling a bit anxious about whether you can save enough for your kids college education.

As parents, one of the toughest questions we face about our children's education is, 'Will we be able to save up for their college in time?'
While we cannot answer this question, we can take an important STEP- to start TODAY.

The earlier we start saving, the better off we will be.

Feel free to send me a message for a free consultation. I'll be happy to assist you! 🙂

Lazurite Branch Funfest 2024! Our team won 1st runners up 💪

“It doesn’t matter how many times you fall; It’s about how many times you get back up” 😂

Offering life insurance business is running a business with little or NO capital at all!

Do you have an entrepreneurial spirit? If you want to be in the business of helping people succeed financially, feel free to send me a message! 🙂

📍𝑩𝑬𝑺𝑻 𝙎𝙀𝙇𝙇𝙀𝙍 𝒂𝒏𝒅 𝘼𝙁𝙁𝙊𝙍𝘿𝘼𝘽𝙇𝙀 𝒑𝒍𝒂𝒏𝒔📍

As low as 100 PESOS PER DAY you can now start your Life Insurance, Savings and Investment plan with Pru Life UK! 🤩

It is a VUL (Life Insurance+Investment) that provides comprehensive insurance protection and wealth accumulation through investment! 💰💰

Message me to get FREE QUOTATION 📩☺️

Life insurance can save you from financial storms of life.

Haven’t taken insurance coverage? I can help you, send me a message! 💌

While having life insurance through your job is beneficial, it might not offer sufficient coverage to meet the long-term needs of your loved ones, such as debt settlement, education funding, or income replacement.

It's advisable to also have a personal life insurance policy in place to ensure your family's security, especially if you make sudden career changes.

Want to learn more about this? Feel free to send me a message!

Pwede pa bang Mag-Apply ng Life Insurance Kapag May Sakit?

Here’s the answer: Ang totoo, kahit ikaw ay may sakit, hindi ibig sabihin na wala ka nang pag-asa na makakuha ng life insurance.

First, May mga insurance companies na nag-aalok ng mga policies na tinatawag na “guaranteed issue" policies.

Ibig sabihin, kahit may health conditions ka, maaari ka pa rin makakuha ng coverage.

Usually lang ay mababang coverage na ang pwede mo makuha. Pero this is better than not having life insurance at all. You may contact your trusted Financial Advisor for more details regarding this.

Second, it usually depends on your sickness. That’s why it’s important to try to apply first, then declare your health conditions truthfully, then The underwriting department of the insurance company will decide whether your application will be approved.

Here are three possible outcomes for your life insurance application:

Approved Standard: Your application is approved without an increase in premium or modifications from your original insurance coverage.
Approved Rated: Your application is approved with an increase in premium or, in some cases, with modifications from your original insurance coverage.
Declined: Your application is not approved.

If you find this useful, please don't forget to follow and share.

Send me a message to know more.

“Don’t count the days. Make the days count. “ — Muhammad Ali

5 TICKETS REMAINING FOR THE FREE DINNER THIS FRIDAY!

Iwas ka muna sa Friday traffic. An exciting opportunity awaits! Sa Gateway Cubao lang ito, just one MRT/LRT away lang!

Message me!

𝗚𝗮𝗮𝗻𝗼 𝗸𝗮-𝘀𝘁𝗿𝗼𝗻𝗴 𝗮𝗻𝗱 𝗿𝗲𝗹𝗶𝗮𝗯𝗹𝗲 𝘀𝗶 𝗣𝗥𝗨 𝗟𝗜𝗙𝗘 𝗨.𝗞. 𝗶𝗻 𝗱𝗲𝗹𝗶𝘃𝗲𝗿𝗶𝗻𝗴 𝗶𝘁𝘀 𝗽𝗿𝗼𝗺𝗶𝘀𝗲?

What is RBC Ratio? It is the capability of an Insurance Company to pay every single person insured. In the Philippines, the Insurance Commission has required all Insurance Companies to have at least 100% and we, PRU LIFE UK, are at 1123% (as of 2021).

RBC Ratio stands for Risk-Based Capital Ratio. It means the percentage equal to (a) the quotient of the Total Adjusted Capital of the Reinsurer, divided by the Company Action Level RBC, multiplied by (b) 100.

This proves that all your hard-earned money invested with Pru Life UK is well protected. Tara na sa PRU!

Flex Ko lng ang pagiging Financial Advisor.

"Graduate ng 4 year course, nag insurance lang?"
"Ay Com Sci ka at nag Export Major ka pa, bakit Financial Advisor ka lang?"
"Oh, Gasoline Retailer ka na dati ha. Bakit ka magfifinancial Advisor?"

I have been hearing all these words in fact bago pa man ako makapasok sa industry.

I have a lot of friends who laugh and mock my other friends kasi Financial Advisor lang sila.

Like, bakit??

Because selling an insurance is not a noble job?
Kasi walang basic salary? When in fact people in this industry earns more than a basic salary. Sisipagan at titiyagaan mo lang talaga.

Dahil ba teaching people with financial literacy is not as great as being a Manager at a corporate company? Pero ubos naman oras sa pamilya, toxic pa.

Sa totoo lang naman, it is only in the Philippines that insurance is sold and not bought.

In other countries, the reason why most of them are wealthy because it is mandatory to have an insurance and protection for each family. Or better yet, provided ng government.

E satin?
Wala na ngang insurance.
Wala na ngang ipon.
Nanakaw pa ang 15 billion.
Hindi pa properly educated when it comes to finances.

Ang result?

Ayun.

Pumasok ng hospital ng mayaman, paglabas naghirap.
Ang mahirap, lalong naghihirap.
Namatayan ng breadwinner, nabaon sa utang.
Nagkasakit ng malala, naghirap ang pamilya, di pa gumaling yung pasyente.

FINANCIAL ADVISOR is such an underrated career and only those who are BRAVE enough to take this career understands the NEED and the NOBILITY of being a Financial Advisor.

Yes, makulit kami. We always message you and remind you to get yourself and your family insured.

May mga makulit man na FAs kasi gusto lang makabenta.

But MOST OF US here are TRYING to teach you the IMPORTANCE of savings, insurance, and investment.

You will hate us now. But you'll thank us later.

And to you who's a FINANCIAL ADVISOR / FINANCIAL COACH / WEALTH COACH.

Please do not give up.
The world needs you.
A lot of family needs you.

If mag give up ka, paano na lang yung mga taong kailangan ka?

So don't give up okay?

We will save Filipino families.
One family, one person at a time.

CTTO

#

PRU TRIVIA: Pru Life UK insuring lives since 1848!

Did you know that the beneficiaries of 262 crew personnel and 30 passengers of Titanic were able to get claims from Pru Life UK?

Prudential Assurance Company Ltd. (Known as Prulife UK in the Philippines) has been in the industry and insuring lives since 1848!

We have been insuring lives since Titanic days. Back then, people never thought that The Titanic was going to sink; and then it did.

And we are true to our promise to provide financial security to the bereaved loved ones of the insured. Just when the time comes. We can insure more lives today & tomorrow.

3 SIGNS THAT YOU NEED INSURANCE...

Here are three simple signs that you might need insurance:

1.Financial Worries: If you can't afford unexpected expenses, like getting sick, insurance can help cover those costs.

2.Life Changes: Getting married, having kids, or buying a home means more responsibilities. Insurance financially protects your family and assets during these big life moments.

3. Job or Health Risks: If your job is risky or you have health concerns, insurance provides a safety net. It can cover your income if you can't work, or help with medical bills.

In summary, insurance is like a safety cushion for unexpected events that could otherwise cause financial stress.

Let me help you if you get any or one these signs.

Be a CHAMPION in life! Be prepared for any challenges!!!!! Financial greatness is within you 💪🔥☄️

Top 3 things you should consider when pursuing a LONG-LASTING CAREER

When seeking a long-lasting and fulfilling career, consider the following three factors:

1. Passion Alignment: Look for a career that aligns with your passions and interests. When you enjoy what you do, it becomes easier to stay motivated and committed in the long run.

2. Continuous Learning Opportunities: Look for companies or industries that value professional development, offer training programs, and encourage employees to expand their skill sets. A dynamic and evolving work environment can contribute to a sense of purpose and longevity in your career.

3. Work-Life Integration and Job Satisfaction:.
A healthy work-life balance and a positive workplace culture contribute significantly to job satisfaction. Look for companies that prioritize employee well-being, offer flexibility when needed, and foster a supportive atmosphere.

By prioritizing these things—passion, continuous learning, and a positive work environment—you increase the likelihood of finding a career that not only lasts but also brings you personal and professional fulfillment.

I found it here in PRU.

Baka gusto mo rin i-explore.

Send me a DM to know more.

Shield your company's heart and soul! Because every key player deserves a safety net. Here are four reasons why Keyman Insurance is important:

✅ Protects the Business: Keyman insurance is like a safety net for your business. If something happens to a very important person in your company (like the boss or a specialist), this insurance can give the company some money. This can help the company get through a tough time without this person.

✅ Replaces Lost Profits: If the key person can't work or passes away, the company might lose money because this person was really important. The money from the keyman insurance can help replace this lost profit.

✅ Helps Find a Replacement: It can take time and money to find someone new to do the job of the key person. The money from the keyman insurance can help with this. It can be used to hire and train a new person.

✅ Reassures Investors and Lenders: Investors and banks like to know that the company has a plan if something goes wrong. Keyman insurance shows them that the company will still have money even if a key person is no longer there. This can make them feel more confident about giving money to the company.

When things don't go as planned, Keyman insurance is there to help, keeping your business safe, helping you find new key people, and making sure everyone still believes in your company.

Pusa ka ba? O si Ricardo Dalisay?

Kasi kahit si Ricardo Dalisay ka pa, kailangan mo pa din ng life insurance.

Ang Life Insurance kasi may living benefits like sickness, disability or retirement funding.

Sabi nga, it is scarier to live too long than die too soon, wether you live healthy or not.

Pag-isipan mo besh.

Kapag nakapagdecide ka na, tara usap tayo, tulungan kita. 😄


LazuriteElevate

When seeking a long-lasting and fulfilling career, consider the following three factors:

1. Passion Alignment: Look for a career that aligns with your passions and interests. When you enjoy what you do, it becomes easier to stay motivated and committed in the long run.

2. Continuous Learning Opportunities: Look for companies or industries that value professional development, offer training programs, and encourage employees to expand their skill sets. A dynamic and evolving work environment can contribute to a sense of purpose and longevity in your career.

3. Work-Life Integration and Job Satisfaction:.
A healthy work-life balance and a positive workplace culture contribute significantly to job satisfaction. Look for companies that prioritize employee well-being, offer flexibility when needed, and foster a supportive atmosphere.

By prioritizing these things—passion, continuous learning, and a positive work environment—you increase the likelihood of finding a career that not only lasts but also brings you personal and professional fulfillment.

I found it here in PRU.

Baka gusto mo rin i-explore.

Send me a DM to know more.

Nalilito ka ba sa dami ng insurance products na pwede mo pagpilian? Or meron kang gusto na insurance pero hindi pa fit sa iyong budgeet? I understand that every family is different, and there's no one-size-fits-all solution. If you need someone who will work closely with you to design a personalized insurance package that fits your lifestyle, budget and priorities,you may send me a message for a FREE CONSULTATION 😊

Marc Dimaculangan - Licensed Financial Advisor

Lumaki po ako sa farm your honor...

Di ko lang po maalala kung kaninong farm to your honor.🤔

Pero masarap po magkape dyan your honor.

At gusto na po ulitin para maalala ko po your honor..

Furthermore, hinihintay ko si “the one dito”… ung chinita na may helicoter 😂🚁

*caption stolen from mam grace 😂*

“The best time is now! Because tomorrow is not guaranteed. “

Baka may kakilala kayo.? Kailangan ko ng 5 college graduates to attend. Pwde maging part time agent if magiging interested. Dm na lang

Life Insurance Tip: Before talking to any Financial Advisor, you have to fully assess and determine the coverage amount that adequately
meets your family's financial needs in the event of your passing. Then determine how much you can afford every month for your life insurance policy. These two factors will help you determine the rightinsurance for you once you have talked to a Financial Advisor. 🫵🏽🎯💰