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Values in proposals aren't real returns, those are mere projections.. lol!

It's not just about life insurance coverage or being the company that gives the highest return (all life insurance companies claim this anyway). It's more than that. It's letting the client know...

This is a very misleading statement by insurance companies. In VULs, they would say that after 5 to 7 years, premiums will go 100% to investment pero the cost of insurance is still deducted from the...

For comparison's sake, I assume that the coverage is just for pure insurance, wala pay apil riders.
Since naa may modal charges, how much would it be kung annual (since annual is cheaper)?

I think kulang ang information. Maybe let's include how long ang coverage since this is term insurance.
Anyway, here's the premiums from Philam Life

Guardian 5 (that means every five years mausab...

Exactly my point because having it separate gives me higher gains which could cover my premiums maski every year pa ko magrenew. I also get to avoid the high charges of VULs (2% to 5% per year) and...

BTW, connected pud ko sa Philam Life so I also get to know these stuff. The thing about life insurance is we get it for protection. Kanang mga cash value and investment (sa VUL) comes in secondary...

But premiums of whole life insurances are way higher than term insurances right? Imagine coverage up to age 100.

@op2nd: The premium that I am referring to is term insurance, not VULs which can be paid monthly. If that's possible in AXA, then good.

Lugi ka if you get a whole life plan. At some point in your life, you will no longer need life insurance or your current life insurance coverage might not be the right one for you.

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^^Possible sad nga basin typo error ra pud pag encode niya. Maybe your agent missed out a single zero mao nadivide by ten imong life insurance coverage.

Yes, if basic life insurance coverage is only P50,000, mao lang na ang makuha sa beneficiaries.
I suggest you get a pure life insurance (term insurance) or get a VUL nga inclined towards protection....

^^Basic life is the life insurance coverage. Is that a VUL plan? Kung VUL, the investment portion might be big. If it's just a term or pure life, gamay ra gyud siya.

^^Got your PM. BTW, just a suggestion. Don't confine yourself to a single company. Pick the best plan that you think suits you best regardless of company. You can check which companies are legit from...

Not bad, it's quite competitive. How long is the term? 1, 5, 10 or 20 years?
For 1 year (renewable every year), that's normally the premium for that corresponding age but if its at least a 5-year...

How much is the coverage for that amount?

All life insurance companies in the Philippines have term insurance. What IMG has is a customized term insurance from Philam Life with some riders attached to it already.

Guys, here are some tips in getting life insurance policies/plans.

First, be sure that the agent that you are talking to is a part of a company that is listed in the Insurance Commission (IC). You...

Sure, sent you a PM to ask for some details.

One time payment lang. Basically an investment with an attached free life insurance coverage.

Philam Life has whether its pure life insurance (term) or VUL (insurance with investment).

The main purpose of top ups is to add more and fast track the investment or savings portion.
But on the side note, yes, adding top ups normally end up increasing the protection as well. But not all.