All about Insurance Plan

[Vincent Valentine]

Mga lods plano ko kasi kumuha ng insurance. Madami dami na rin ako nabasa about dito at ang benefits. Ang tanong ko, ako ba ang may control ng payment terms pag dating sa insurance plan na gusto ko?

Pa-advise naman sa mga nakaka alam sa insurance plans at kung ano ang dapat at hindi ko gawin.

Salamat!

 

[0106]

Hi TS! Ng iinsurance kc wife ko. As far as I know when it comes to payments terms, they will present you with what they have and will match it to your preferred terms. Ako kc, once a month lang ako ng bbayad (aparently may insurance din ako, life insurance with investment), and walang expiration until when ako mg bbyad ng insurance ko. Sa iba naman, may certain years na magbabayad sila, they call that traditional insurance.

 

[Vincent Valentine]

Hi TS! Ng iinsurance kc wife ko. As far as I know when it comes to payments terms, they will present you with what they have and will match it to your preferred terms. Ako kc, once a month lang ako ng bbayad (aparently may insurance din ako, life insurance with investment), and walang expiration until when ako mg bbyad ng insurance ko. Sa iba naman, may certain years na magbabayad sila, they call that traditional insurance.

Salamat sir! Yung current insurance plan mo ba sir anytime pwede mo makuha without deductions? Papaano nagwowork yung ganyang walang expiration sir? You mean unlimited yung insurance mo as long as nagbabayad ka? Walang target years to pay etc.?

 

[-A7PHA-]

Nice Thread Lods, Insurance Agent from PRU Life UK Here.

First po alamin nyo muna kung para saan po ba yong insurance na kukunin nyo.

For Income Protection ba?, Legacy (Pamana)?, Ready fund for Critical Illness?, Childs Education?, Etc..

Usually po kung wala pa kayong kahit isang insurance ang kinukuha is for Protection lalo na po kung bread winner. Magugulat ka lods kasi Hybrid ang mga insurances ngayon hehe.. daming benefits, tapos kung VUL pa, nag ggrow pa yong pera mo..

I'll be happy to assist lods kung need mo pa ng additional info.. Providing Free Quotation po para tailored fit sa needs mo yong Insurance na makukuha mo ^_^. plus macocompare mo pa sya sa ibang company if nag ccanvass ka ^_^.

 

[Vincent Valentine]

Wow! Nakahanap pa ng Insurance Expert dito sa thread!

Salamat lods for the brief explanation!

Ang gusto ko sana is yung Insurance na may investment and at the same time covered yung childs education. Katulad ng sabi mo hybrid na ang mga insurances nowadays.

Ang tanong ko lods may Insurance ba na covered niya lahat? Income Protection, Pamana, Ready funds for Illness, Childs Education, etc.?

Ano po yung VUL?

Ano po suggestion niyo sa OFW Worker na gusto kumuha ng Insurance sa Pinas? Covered ba yung international?


Maraming salamat po!

 

[-A7PHA-]

Wow! Nakahanap pa ng Insurance Expert dito sa thread!

Salamat lods for the brief explanation!

Ang gusto ko sana is yung Insurance na may investment and at the same time covered yung childs education. Katulad ng sabi mo hybrid na ang mga insurances nowadays.

Ang tanong ko lods may Insurance ba na covered niya lahat? Income Protection, Pamana, Ready funds for Illness, Childs Education, etc.?

Ano po yung VUL?

Ano po suggestion niyo sa OFW Worker na gusto kumuha ng Insurance sa Pinas? Covered ba yung international?


Maraming salamat po!

Yes Lods, Actually pagkumuha ka ng VUL, halos makukuha mo na din lahat yan, nag dedepende na lang sa allocation, kung gusto mo bang mas mataas ang investment, Critical illness fund, etc. at naka depende din sa budget mo.

VUL is Variable Universal Life aka Variable Unit Linked or simply Insurance with investment heheh..

Yes po covered ka po internationaly sa mga major claims (Crititical Illness, Personal Accident Insurnace, Accidental Death and Disablement Insurance, Sum Assured) except yong Hospital income Benefit, dito lang sya sa Pinas magagamit.

First po for OFWs make sure po nasa Pinas kayo bago kayo kumuha ng Insurance, other's will offer you po that they can do it online pero, wag po kayo mag risk. bawal pa din po yon, kahit po online ang transaction need nasa pinas kayo pag pumirma.

Then if wala pa po kayong kahit isang Policy, ang pinaka the best na kunin po is Protection (Sakup na po neto ang Critical Illness Benefit, Pamana, Disablement Benefit, may mga pede po tayong isingit dyan depende sa budget). kaya nyo pong isabay yong sa Child's Education dyan, depende pa din po sa budget nyo..

 

[Vincent Valentine]

Yes Lods, Actually pagkumuha ka ng VUL, halos makukuha mo na din lahat yan, nag dedepende na lang sa allocation, kung gusto mo bang mas mataas ang investment, Critical illness fund, etc. at naka depende din sa budget mo.

VUL is Variable Universal Life aka Variable Unit Linked or simply Insurance with investment heheh..

Yes po covered ka po internationaly sa mga major claims (Crititical Illness, Personal Accident Insurnace, Accidental Death and Disablement Insurance, Sum Assured) except yong Hospital income Benefit, dito lang sya sa Pinas magagamit.

First po for OFWs make sure po nasa Pinas kayo bago kayo kumuha ng Insurance, other's will offer you po that they can do it online pero, wag po kayo mag risk. bawal pa din po yon, kahit po online ang transaction need nasa pinas kayo pag pumirma.

Then if wala pa po kayong kahit isang Policy, ang pinaka the best na kunin po is Protection (Sakup na po neto ang Critical Illness Benefit, Pamana, Disablement Benefit, may mga pede po tayong isingit dyan depende sa budget). kaya nyo pong isabay yong sa Child's Education dyan, depende pa din po sa budget nyo..

Maraming maraming salamat lods! Sobrang laking tulong neto di lang sakin pati nadin sa mga gusto kumuha ng insurance! Godbless you!

Sir kung kukunin ko yang VUL mga magkano po kaya ang estimate na budget? Kung monthly ang bayad at kung annual payment?

At yung sinasabi ni sir @0106 na walang expiration yung payment terms niya, how does it work po?

 

[-A7PHA-]

Maraming maraming salamat lods! Sobrang laking tulong neto di lang sakin pati nadin sa mga gusto kumuha ng insurance! Godbless you!

Sir kung kukunin ko yang VUL mga magkano po kaya ang estimate na budget? Kung monthly ang bayad at kung annual payment?

At yung sinasabi ni sir @0106 na walang expiration yung payment terms niya, how does it work po?

God Bless you too lods!

Nasa sayo po if how much yong kakayanin mong isave monthly or annually, Commintment kasi eto lods, hindi lang sya one time, so make sure bago ka mag decide mapapanindigan mo sya hehe, kasi mababale wala kong di mo din maitutuloy..

para mas mabigyan kita ng figure lods, I will need these info.

Full Name:
Birthday:
Email Add:
Contact #:
Willing to save every month: (Example: 5k-10k/Month)

ang coverage at minimum premium po ay naka depende sa Health and Age naten.

Send mo na lang sa 09613309651 or my Personal FB (Click Here)

 

[Vincent Valentine]

God Bless you too lods!

Nasa sayo po if how much yong kakayanin mong isave monthly or annually, Commintment kasi eto lods, hindi lang sya one time, so make sure bago ka mag decide mapapanindigan mo sya hehe, kasi mababale wala kong di mo din maitutuloy..

para mas mabigyan kita ng figure lods, I will need these info.

Full Name:
Birthday:
Email Add:
Contact #:
Willing to save every month: (Example: 5k-10k/Month)

ang coverage at minimum premium po ay naka depende sa Health and Age naten.

Send mo na lang sa 09613309651 or my Personal FB (Click Here)

Sige lods. Maraming maraming salamat!!

 

[-A7PHA-]

Sige lods. Maraming maraming salamat!!

Maraming salamat din sa pag open ng ganitong topic dito Lods, at sa pag up ng aking Thread ^_^.

 

[0106]

Salamat sir! Yung current insurance plan mo ba sir anytime pwede mo makuha without deductions? Papaano nagwowork yung ganyang walang expiration sir? You mean unlimited yung insurance mo as long as nagbabayad ka? Walang target years to pay etc.?

Nasagot na ata lahat ni -A7PHA- mga katanungan mo hehehe, Correct, no target years to pay as long as I am alive. Pero malaki sum assured ko. ( yun yung maiiwan sa family kapag na deads na ako)

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[-A7PHA-]

Marami pa po yan malawak po ang insurance heheh, kahit nakakuha na kayo may mga katanungan pa po tayo for sure. Lalo na po sa time na mag multiple policies na tayo hehe ^_^.

 

[Vincent Valentine]

Lods. Pano pag kumuha ako insurance now tapos single ako now, then nagpakasal ako next year. Pwede ko ba baguhin yung policy from my single insurance to married insurance plan?

 

[-A7PHA-]

Lods. Pano pag kumuha ako insurance now tapos single ako now, then nagpakasal ako next year. Pwede ko ba baguhin yung policy from my single insurance to married insurance plan?

walang kaso yan lods, pede naman ipa amend yan, or better yet kuha ka pa ng isang Policy para sa ibang goal naman ^_^