Earl John Eser Jose- PRU Life UK Finance Planner

𝐁𝐄𝐒𝐓 𝐒𝐄𝐋𝐋𝐈𝐍𝐆 𝐄𝐋𝐈𝐓𝐄 𝐏𝐋𝐀𝐍𝐒 🤩

What are your plans 5 to 15 years from now?

✅ Retirement?
✅ College Funding for you kids?
✅ Business?
✅ House and Lot?
✅ Or for a Car?

Achieve your goals with our 𝐋𝐈𝐌𝐈𝐓𝐄𝐃 𝐏𝐀𝐘 𝐄𝐋𝐈𝐓𝐄 𝐏𝐋𝐀𝐍𝐒! You will no longer be required to save after the term of the plan and your investment for its intended purpose will continue growing while you are insured. 🤩

Sa atin ang West Philippine Sea
at sa AKIN ka kumuha ng insurance🫶

The most precious resource we have is time.

Kaya para sa mga nasa 20s pa— do your best, execute your goals and build your financial foundation at this age. Mag-ipon kahit paunti unti, matuto mag-invest at maghawak ng pera.

Minsan, delayed gratification talaga pero ‘di tayo makakabalik sa younger age.

Majority ng nasa 40s— medyo challenge talaga sa pag- iipon ngayon. Bakit? Maraming financial responsibilities pero na-stuck sa old salary. Tumaas ang bayarin, dumami ang binubuhay pero pareho pa rin ang kinikita.

Let's all take action while we can.

Client: Insurance plus Investment? How does that work? 🤔💭

It's like opening a savings account with the bank. The catch is, it already includes comprehensive protection — critical illness benefit, disability benefit, accidental benefit and hospitalization benefits. 🤗

At the same time, you also have a growing investment in the stock market (Jollibee, San Miguel, Ayala, SM, BDO, and other high performing companies).💰💯

When is the best time to get one?

✅ Before ka mag-birthday
✅ As long as healthy & insurable
✅ Now, stock prices are low
✅ If not yesterday, then TODAY

The GOOD NEWS about this is PRU LIFE UK is the pioneer of this program and we have the best Fund Manager in Asia. 🤩

Message me to know more and to check your possible options. 📩

Just as a friend is there for you in difficult times, insurance provides financial support when unexpected events occur.

Here is a reminder that life insurance is intended to safeguard you and your family financially when unfortunate events happen.

Message me for an Online Appointment to understand how you can get sufficient life insurance and protection for yourself and your family today! ⭕

Any illness can wipe out an entire family's savings, that took years to save, because of medical bills. Nobody is ready for this.

Having a critical illness coverage/insurance is a big help. Secure your family’s future before illness strikes, so it can protect you from financial loss that can result from this distressing situations.

Talk to a financial advisor today. 📩

Earl John Eser Jose
Pru Life Uk

Great meeting with Mr. Architect! We talked about how important income protection plans are for breadwinners. These plans can provide financial security for your family if you're unable to work due to uncertainties of life.

More and more Filipinos are recognizing the value of comprehensive financial planning. It's an investment in your future and well-being. ❤️

I'd be happy to help you create a personalized plan that addresses your financial gaps and gets you closer to your goals.

Most people spend money and save what is left.

Wealthy people save money and spend what is left.

Most people consider healthcare and insurance as an expense.

Wealthy people consider healthcare and insurance as an investment.

Most people work for money.

Wealthy people let money work for them.

The difference between wealthy and most people is the way they think about planning their future.

©The secret to saving & building your future

Ano nga ba ang Insurance

Ang insurance ay safety net na tutulong sayo maka recover sa posibleng financial losses mo kung sakaling magkaroon ng SADD (Sickness, Accident, Disability, and Death) events.

𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗶𝘀 𝗮𝗻 𝗲𝘅𝗽𝗲𝗻𝘀𝗲.

Opo, gastos po ito tulad ng utility bills, food, luho, at iba pa.

Pero insurance lang ang gastos mo na magbibigay ng pera pabalik sayo sa oras na kailanganin mo.

𝗜𝘁 𝗶𝘀 𝗮 𝗿𝗶𝘀𝗸 𝗺𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁 𝘁𝗼𝗼𝗹.

Gusto mo ba mag save ng 2k or 3k monthly para sa insurance coverage worth of Million

Or

Hundreds of thousands lump sum for hospital expenses.

It all matters on how you will manage your risk.

Talk to your Financial Advisor. 🙌🏻

Why is insurance important? Let’s look at these 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 especially 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 to leave behind

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

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.

📌Plus additional benefit is, may naka link narin itong investment or VUL kung tawagin so kung hindi mo man sya magamit sa health, pwede mo sya magamit sa mga personal purchase mo (car, house and lot,educational fund, business or travel).

🤔 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.

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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!

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 👇

Stay healthy everyone.💙

𝗜'𝗺 𝗼𝗻 𝗮 𝗺𝗶𝘀𝘀𝗶𝗼𝗻 𝘁𝗼 𝗵𝗲𝗹𝗽 𝗙𝗶𝗹𝗶𝗽𝗶𝗻𝗼𝘀 𝗯𝘂𝗶𝗹𝗱 𝗴𝗲𝗻𝗲𝗿𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝘄𝗲𝗮𝗹𝘁𝗵 𝗮𝗻𝗱 𝗯𝗿𝗲𝗮𝗸 𝘁𝗵𝗲 𝗰𝘆𝗰𝗹𝗲 𝗼𝗳 𝘁𝗵𝗲 "𝘀𝗮𝗻𝗱𝘄𝗶𝗰𝗵 𝗴𝗲𝗻𝗲𝗿𝗮𝘁𝗶𝗼𝗻."

Here's why:

-Recent data shows a decline in insurance pe*******on in the Philippines, highlighting the need for financial protection.

-Through Project 100M, I aim to provide 100 Million pesos worth of life insurance to Filipinos.

-My goal is to empower families with financial planning tools and ensure they leave a legacy for future generations, instead of facing the financial burdens often faced by the "sandwich generation."

Are you interested in:

Spreading awareness about the importance of financial planning and life insurance?
Protecting your loved ones and building a secure future for your family?

Join me in this mission!

Please reach out to me for a personalized consultation and let's discuss your financial goals.