philam life, insular, prulife UK, UITF

[konhon]

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legacy,CAP,pryce etc. are pre need not insurance for those financial illiterate ayaw sad mo post oi maulaw baya ta......heheheheheh

[lorenzoleo]

legacy,CAP,pryce etc. are pre need not insurance for those financial illiterate ayaw sad mo post oi maulaw baya ta......heheheheheh

Hehehe! Tumpak!

[low boat]

klaro/ensakto gyud na kang konhon? unsa diay ka konhon financial consultant ka?

[darkcrux]

Ako na e clarify...

CAP - A pre-need company that didn't follow the guidelines of the government and made wrong investments which caused them to not able to give the benefits of their clients. They are not bankrupt but their investments are not liquid either.

Pryce - preneed company

Legacy - I think ang gi refer ani is "Legacy group of banks" a group of rural banks that has some investments and preneed plans. The problem was... it was a Ponzi Scheme. A obvious scam that made fools of a lot of people.

So yeah.. they are not insurance companies... They are pre-need companies regulated by the SEC.

Ang insurance companies are regulated by the Insurance Commission.

@TS... if you want the best return para sa imo money and have insurance along the way.. separate the insurance and the investment. A concept called B.T.I.D.. get pure life insurance which is cheaper, and invest the remaining money in some mutual funds, stocks, bonds, real-estate.. etc. Naa say gi tawag na B.T.P.D... buy term insurance and pay debts.. then once the debt is cleared, go to B.T.I.D.

[mugworx]

PhilAm Life - AIG

[konhon]

AYALA LIFE - globe millions of text income daily hehehehehehe

[darkcrux]

PhilAm Life - AIG

what are you implying on this? ^_^

[jobhim23]

PRU LIFE UK
150yrs in the business. older than PHILAM
over $530billion in managed funds and capitalization
over 2M policy holders worldwide
paid 324 passengers of titanic. survived the 2 world wars. and still as stable as ever

[badongski78]

try savings and protection muna k call o text me 09287796899 ulysses of generali

[ayen23]

asa ang nindot nga kuhaan ani ug life insurance or any other investment na tag-as ug return
gawas sa time deposit .....pls share..thanks..

for me Philam life insurance And PAMI., I started as early as 24 years old investing for my future.
I have an account in PAMI (PSGF),. maganda ung return every year kung marunong k mgtrading,. last year nmigay cla ng 30% stock div., less than 1 year umakyat ng 45% ung investment q,but I don't recommend n mgtrading if di mo naintindihan galaw ng market.

then the service is good lalo n kung yung broker mo is credible and the office as well as the staff's performance can be rated excellent.

My account in Philam Life,. it's a variable,.maganda kc fix ang no. of years ng savings unlike the 2 other insurance companies n nlagyan q 10 years ago, that they just said kahit kelan mo gusto at mgstop mgsave tapos after 10 years of paying monthly hiningi q ang estimated surrender value ng pera q if ipapastay q ng another 10 years and di nila mbigay ang estimated surrender value ng savings q,. (oh my God ano bang klac ng fund manager meron cla) sinabi lng ng agent at ng manager n malay mo mgdouble young pera, walang computation unlike sa philam naprepresent lahat s policy.
meron din yung parang time deposit ung "Money Tree". Maganda ang return if mababa ang stocks nung pinasok mo,.and halos lahat ng mga kakilala q nkuha tlga nila ang benefits as stated in the policy n walang aberya,

Meron din aqng variable n nkuha from other insurance companies (meron jan s nabanggit mo) before aq kumuha sa PAMI and Philam,. .so I can differentiate both.,

This is just base on my own experience and opinion.