STEPS Simple Techniques to Prosperity and Success by Jon Singian, FA

Ang pagkuha ng insurance policy ay para sa pakinabang ng buong pamilya.

Make a bright choice today for your loved ones!

Thank you Sir Al Quitangon!

Getting a life insurance policy is like making your will before you can make your money.

EKSENA SA TOTOONG BUHAY

Emergency fund? Sagot yan ng life insurance mo! Sa VUL, protektado kana, may funds ka pa na pwede i-withdraw sa oras ng pangangailangan! No interest! No charges!

Thank you for the opportunity to serve you Mrs G. My pleasure to personally hand you this check. :-) See you!

Friends, plan for the future, prepare for the unexpected, protect what you love! Great things don't just happen. They are planned!

WHY LIFE INSURANCE IS NOT A COOL PRODUCT? 🙂

Just a piece of realization.

Client: Maganda naman ang Life Insurance, bakit kunti lang naniniwala at meron nyan? Mag-present ka nga sa friends and officemates ko.

Me: Kasi Insurance is not tangible. It is just a piece of paper. Hindi mo sya pwedeng ipakita basta basta.

Hindi sya pwedeng ipagmalaki tulad ng: "May bagong bahay ako sa Camella village" "Kumuha ako ng 3-bedroom unit with 4 parking slots sa BGC."

"Approved na yung bank loan ko para sa Toyota Vios. Next week ko maiuuwi." "Finally recontracting na ako sa Globe.

Kukuha ako ng iPhone Xs Max." "Grabe ang ganda ganda sa Japan.

Ito pictures namin sa cherry blossoms, Disneyland, Universal Studios, Kyoto at Osaka o. 15 days kasi kami dun so nalibot namin lahat." "Nag-open kami ng franchise ng Potato Corner sa mall na yan.

Dun naman sa school ni Junjun mag Gong Cha franchise naman kami." Insurance are none of those things.

You cannot simply brag to your friends that you have a 4M death benefit, plus 2M accidental death, 1M disability benefit, 2M critical illness benefit, and more.

You cannot also mention that your parents or relatives acquired a 10M, 20M, 45M life insurance coverage to prepare for their estate planning, retirement, and wealth transfer.

Pero alam nyo ba sir ano ba talaga difference ng insurance companies sa ibang bagay o bangko?

It is a piece of paper na kapag may sakuna will read, "We owe you money" instead of it saying "You will owe us." We generate revenue not debt.

Cars, gadgets, appliances will be outdated and get obsolete one day, but your VUL will appreciate over time.

The earlier you save, the wealthier you will become. ctto

Message me now to start having it 🙂

Good news to all public school teachers!

EKSENA SA TOTOONG BUHAY

13.84% ROI
Mga ka-STEPS, ok na ba ang passive earning na P138K? :-) Thank you Mr. R for trusting the process! You can now enjoy the fruits of your investment!

The biggest risk in investing is not taking any risk at all. Inaction can lead to missed opportunities and stagnant growth.

Tama nga ata ang mga Eagles. - "We are all just prisoners here of our own device."

4Ps, magkakainsurance na for income protection, sickness and other financial burdens!

Ideas are important but it's our actions that turn these ideas into realities. Think but don't forget to act.

Better to do something imperfectly than do nothing flawlessly. - Robert Schuller

Things become extraordinary the moment you discover the 'extra' in the ordinary!

Look beyond what the eyes can see. There's more to discover!

Let's see. Consider the following:

1. If you provide for your aging parents, paano na if the S.A.D. (sickneess, aging, disability/death) things happen to you? Sapat ba ang ipon mo for their long term needs? Paano na sila?

2. If you only provide for your own needs (no financial responsibilities to other family members whatsoever), kailangan parin ba? Spare yourself from worries. In case of emergency may pagkukuhanan ka ng pondo. Life insurance policies can come with future money (investment and cash values) that you can use for retirement or personal needs. Protected kana, may sarili ka pang pera in the future! Galing di ba?

3. Life insurance can come with accident and health protection too! In case of a critical illness (e.g. cancer, heart attack or stroke), who will take care care of your medical bills? Magkano ang ipon mo ngayon? Sapat ba? Aasa pa ba sa mga magulang? Hayaan mo ang life insurance mo at ang iyong financial advisor ang bahala diyan. Concentrate on getting well. Huwag ng ma-stress kung saan kukuha ng pambayad sa hospital. May insurance ka e!

4. Pagdating ng panahon na ikaw ay magpapamilya na, may mga anak kang magdedepende sa iyo di ba? Protect your family's future/savings by protecting yourself first! Protecting your income is protecting their future too!

5. Mababa ang premium payment habang bata ka pa, the earlier you start your plan, the greater the chance of growing your cash values and investment component! If may plan kana rin na kumuha ng insurance, make the decision to do it now - habang healthy ka, habang may sweldo ka. Is there an urgency? Yes! Why? Anything can happen. This is reality!

6. Pagusapan naman natin ang worst case scenario (kung darating ang inaasahan). Hayaan mo ang life insurance ang magbayad ng mga mortgages mo, gastos sa hospital, funeraria at lote sa memorial park. Yes, you heard it right! - funeraria at memoral park! Magiiwan ka pa ba ng problemang financial sa pamilyang iniwan mo?

Plan for the future. Prepare for the unexpected. Protect what you love.

Want to protect your income now? Click link below!
https://docs.google.com/.../1FAIpQLSeU33JVfyqgcV.../viewform

Brighter Ideas. Brighter Life.

Ano ang Beneficiary?

Ang Beneficiary ay ang tao (o entity) na tatangap ng death claim sa oras ng pagpanaw ng isang insurance policy owner. Karaniwan, ito ay ang asawa, anak, magulang o isang malapit na miyembro ng pamilya. Ang policy owner ang nagdedesignate kung sino o sinu-sino ang magiging beneficiary/ies.

Aplikasyon sa totoong buhay:

1. Ang pagkakaroon ng beneficiary ay mabisang paglalaan ng pamana sa mga mahal sa buhay.

2. Ang death claim na makukuha ng pamilya ay pwedeng gamiting pambayad sa estate taxes. Hindi na out-of-the-pocket funds ang bubuoin ng pamilya sa pagtransfer ng lahat ng assets, businesses, at properties ng yumao.

3. Maiiwasan ang awayang pamilya sa oras ng pagpanaw ng isang policy owner sapagkat maaaring paghati-hatiin ang death claim ayon sa porsyento na gustong ibigay ng policy owner sa kada miyembro ng pamilya.

Plan for the future. Prepare for the unexpected. Protect what you love.

Want to know more? Click link below.

https://docs.google.com/forms/d/e/1FAIpQLSeU33JVfyqgcVC0C8is9A6uh4s4GI7xNc2Vxh9Wpc_wkziVVA/viewform

Second policy for a breadwinner! New financial goals! New plan!

Term insurance.
Minimal cost for maximal protection.

Plan for the future. Prepare for the unexpected. Protect what you love.

Secure your parent's health with Sun Senior Care!

Your bRigther future starts today! Click link below.
https://docs.google.com/forms/d/e/1FAIpQLSfc8I4scGIkBXtcMhLuM03CpVtSyc6GisOu5auBRFDRa8OQzg/viewform

Your bRighter future starts today! Click link below.
https://docs.google.com/forms/d/e/1FAIpQLSfc8I4scGIkBXtcMhLuM03CpVtSyc6GisOu5auBRFDRa8OQzg/viewform

Father = the Provider, the Priest and the Protector of the family.



artwork by: Jojo Limpo

Anything can happen. :-)

Plan for the future. Prepare for the unexpected. Protect what you love.



Image source: Narcissistic.23

Protect your Health with Sun Life's Sun Fit and Well! Your total health protection!

Your bRighter future starts today! Click link below.
https://docs.google.com/forms/d/e/1FAIpQLSfc8I4scGIkBXtcMhLuM03CpVtSyc6GisOu5auBRFDRa8OQzg/viewform

🤔

Ang Mortgage Insurance ay isang uri ng insurance na pinroprotektahan ang nagpautang at maging narin ang pamilya ng nang-utang kung sakaling mawala sa eksena ang nang-utang na family member. Ayon sa Investopedia - Mortgage Insurance is an insurance policy that protects a mortgage lender or titleholder if the borrower defaults on payments, passes away, or is otherwise unable to meet the contractual obligations of the mortgage.

Key Takeway:
1. Ang isang lender (banko, financial institusyon, lending company) ay naninigurado rin na mabayaran ng buo kung sakaling mamatay ang nang-utang. Isang requirement ito sa pag-apply ng isang loan.

2. Proteksyon sa pamilya ng nang-utang ang Mortgage Insurance, Hindi na mahihirapang bayaran ang naiwang utang ng namayapang family member. Ang insurance company na ang maglalabas ng napagkasunduang pera para bayaran ang inutang na bahay, property o negosyo.

Aplikasyon:
1. Kung ikaw ay isang negosyante, kaagapay mo ang Mortgage Insurance sa pagpapalago ng negosyo mo. Di mo kailangang mag-alala kung sakaling magkasakit at wala ng kakayahang magbayad dahil sa disability.

2. Hindi ka magiiwan ng malaking responsibilidad at aalahanin sa pamilya kung sakaling hindi mo na mababayaran ang inutang mo.

Konklusyon:
Ang Mortgage Insurance ay isang tool para sa pagpapalago ng iyong negosyo, pagpapagawa ng bahay o pagbili ng isang property. Gamitin ng tama ayon sa pangangailangan at kakayahan.

Kailangan mo ng Mortgage Insurance? Pag-usapan natin. :-)