Philam Life

[makie29]

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hi unsay latest sa philam? interested ko mokuha ug savings ug affordable nga plan w/ hospitalization. pm me pls. age: 37

Our latest product is Health Invest. A VUL plan that covers critical illnesses like cancer, diabetes, etc.
Upon diagnosis, makakuha na ang plan holder ug benefits.

gi offer pa ni nga plan?

Yes, it's a plain life insurance plan with health insurance. If you wish, you can actually get it separately and at a lower premium.

[nhadz]

sir makie, naa ba VUL type insurance (dont know the exact term) ang philam life nga mga around 1.5k a month lng.. nahan mn gd ko mukuha ug insurance but i want the VUL for investment purposes pd, actually I sent you a pm I don't know if you received it..

[makie29]

sir makie, naa ba VUL type insurance (dont know the exact term) ang philam life nga mga around 1.5k a month lng.. nahan mn gd ko mukuha ug insurance but i want the VUL for investment purposes pd, actually I sent you a pm I don't know if you received it..

Yes, we do have. But the coverage will depend sa imong age. The younger you are, the lesser the premium or the higher the coverage. I'm not sure if nakadawat ko, when nimo gisend ang PM?

[nhadz]

Yes, we do have. But the coverage will depend sa imong age. The younger you are, the lesser the premium or the higher the coverage. I'm not sure if nakadawat ko, when nimo gisend ang PM?

last last week pa sir.. i will send a pm lng again...thanks

[makie29]

last last week pa sir.. i will send a pm lng again...thanks

Got it. Thanks.

[edoy]

unsay investment vehicle sa Philam life na pwede sa 13 y.o. and below sir ?

[makie29]

unsay investment vehicle sa Philam life na pwede sa 13 y.o. and below sir ?

For a 13-year-old, I think the best plan that Philam Life could offer is the Bright Future Invest (an educational plan).
If your intention is purely for growth, I think the best thing to do is to invest in either mutual funds, UITFs or in the stock market directly.
Either of those three doesn't require much capital/amount to start with.

[OUTthinking]

hello makie29,

this is my family's current status:
Me(33 y.o, maxicare provided by Company A)
Wife(26 y.o, maxicare provided by Company B)
Child A(7 y.o, maxicare dependent under wife)
Child B(5 y.o, maxicare dependent under wife)
Child C(1 y.o, no maxicare as Company A's maxicare do not cater dependents and Compnay B's maxicare dependent limit has been reached )

I'm looking for a (life + health + investment) combo plan, if I choose philamLife Family Secure:
- naa ni dependents, if yes; a)naay limit?
b)covered sad sila sa life and health? if no, option ba nako mag-Philam Life's Mediguard health insurance family plan?
- covered ang common sickness like (pneumonia, dengue, etc...) and consultations?

Senxa if libog. Nag-prepare lang ko in case of job loss unya dli na mi covered sa maxicare.
Maytag naa koy madaginot na plan kay ang akong kaya mabayad yearly for my family kay Php10,000 ra(basin ma less p jd). :C

nice forum, More Power!

[makie29]

hello makie29,

this is my family's current status:
Me(33 y.o, maxicare provided by Company A)
Wife(26 y.o, maxicare provided by Company B)
Child A(7 y.o, maxicare dependent under wife)
Child B(5 y.o, maxicare dependent under wife)
Child C(1 y.o, no maxicare as Company A's maxicare do not cater dependents and Compnay B's maxicare dependent limit has been reached )

Thanks for considering Philam Life as one of your options. Below are my suggestions for your concerns.

I'm looking for a (life + health + investment) combo plan, if I choose philamLife Family Secure:
- naa ni dependents, if yes; a)naay limit?

Family Secure doesn't have any health insurance attached to it but it do have a very high protection (insurance) coverage and an attached investment (mutual funds). Unfortunately, since it is a life insurance plan, ikaw lang ang covered but you will make your wife and children beneficiaries. So in case (buyag lang) mawala na ka or madisabled and lose your income generating capacity, dako2x ang makuha sa imong wife and children. I would also like to emphasize that unlike majority of insurance plans with investments nga either-or (usa lang imong makuha), you can get BOTH life insurance coverage and investment with Family Secure.

b.)covered sad sila sa life and health? if no, option ba nako mag-Philam Life's Mediguard health insurance family plan?
- covered ang common sickness like (pneumonia, dengue, etc...) and consultations?

Senxa if libog. Nag-prepare lang ko in case of job loss unya dli na mi covered sa maxicare.
Maytag naa koy madaginot na plan kay ang akong kaya mabayad yearly for my family kay Php10,000 ra(basin ma less p jd). :C

nice forum, More Power!

Sa life insurance, dili, ikaw lang ang covered then beneficiaries sila. If naay mahitabo nimo, they get a huge sum of money through life insurance plus the investment.

The Mediguard was actually my suggestion as well. If ganahan ka life+health+investment, you get Family Secure and Mediguard. Naay plan nga pang family ang Mediguard and it is very affordable. All illnesses are covered but the requirement is, dapat confined of at least 18 hours to get the benefit. BTW, Mediguard is not like Maxicare nga moshoulder sa hospital bills. Reimbursement siya for every day of confinement. Basically, ulian ka sa Philam Life sa imong nagasto during confinement regardless if hospital related or dili.

Unfortunately though, for P10,000 per year, murag lisod2x gyud achieve ni tanan but we could consider other options like dropping the investment part for now then focus on protecting your family first (life insurance and health insurance). I can also offer you other options which may not cost you that much.

If its ok with you, set lang ta appointment so we could talk about it more then para madiscuss nako ang other options.

[toosexy]

For a 13-year-old, I think the best plan that Philam Life could offer is the Bright Future Invest (an educational plan).
If your intention is purely for growth, I think the best thing to do is to invest in either mutual funds, UITFs or in the stock market directly.
Either of those three doesn't require much capital/amount to start with.

sir makie, daghan plan nga interesado ko. for now since nagweigh pa ko unsay dapat gyud. magstart lang sa ko ug mutual funds. had check the philam website kay naay online form ug katong questionnaire but i think kailangan ug signature sa agent? pm me more details about mutual funds pls b? send it to my email add: babeytcup@yahoo.com