Lets talk about the importance of Life Insurance

[JamesCo]

Contestability period of Life Insurance is 2 years.
In term insurance, at age 24, you can pay only around 9K annual with 1M coverage already with Accidental Death Benefit and Waiver of Premium due to disability. Meaning if the plan holder dies by an accident times 2 ang coverage makuha.

Buy Term Invest The Difference.

Mahal lagi bai, my friend go one for just about 5k to 6k ra annual for 1M and 30 years old siya.
and mine I just got it at July 5k annual for 800k-900k coverage at 38 yrs old. Same ra mi agent. Convertible pa siya anytime to any regular plan without proof of insurability.

[EmyHot]

Beware of this agent

a few years ago I meet this agent at Mcdo Jones, nag tupad ra among table and nig sugod na siya ug talk then ask ask question and ask siya sa akong number, ambi nako manguyab siya, his good looking and very soft spoken so ako gi hatag. then text text na siya ug mga sayings. then ask siya kung pwede mo meet. ambi nako date, pag-meet namo naa na dayon siya gidala bag sa laptop, then start siya mo sulit na if mag-save ko ug many maka kuha ko ug dagko kaayo na amount pag retire nako I thing mga 6 to 10 million guarantee daw. at first danahan kaayo ko bisag I know gi-ilad rako na date. thats the time ni ni sulti siya na taga PruLife daw siya but I told him na not now lang I have to think pa kay mga 120k gud per year para 600k sum assured. then after that sige na siya pressure nako, sige text and mo adto sa office samok kaayo. so finally para mo stop siya kuha nalang ko. at first maayo pa kaayo siya serbisio. then later on I found out na married na pala siya both couple naa sa same company. Samot pa iyang wife mo pugus ug baligya bitchi pa kaayo. pero wala ko mo dala ako gi ingong pag-human nalang nako bayad sa akong older insurance. tapos pag 2008 ni down ang ilang company so ni down akong investment grabe kaayo low akong money, and pag ask nako niya na guarantee manka anha na ni-tubo ang sungai sulti dayon siya na dili daw guarantee anha pa siya ni-ingon na naka sulat daw sa proposal niya. then ako siya gi-ingon na igo rako naka kita sa proposal pag-bayad na wala ko ka basa, nag-lalis dayon siya na ngano ni-perma ko without reading. tapos sugod na siya wala mo follow up sa akong bayranan then pag ask ko niya why wala na sulti dayon siya na gamay nalang daw commission niya sa akong policy and labad kono akong ulo. so ako nalang gi withdraw. alkansi kaayo ko.

then this year akong friend ni sulti about iyang uncle na hapit ma-victim sa iyang agent sa PruLife, inong daw ang agent sa iyang uncle na naka profit nadaw siya ug 300k sa iyang policy kay grabe na daw tubo, lipay kaayo ang iyang uncle and plan to buy again, pero swerte lang giud siya nag-pa advice siya sa isa ka agent sa BDO about it she told him that its not true PruLife wala mo recover sa financial melt down, starting price nila ay Php1.00 and it goes down to Php0.40 nalang so lugi diay siya. grabe kaayo para lang maka baligya nasad. tapos you know what pareha ra mi agent Michael Cimafranca gihapon. and style nila diay na dili ipa-basa ang ilang proposal.

[Metz]

Beware of this agent

a few years ago I meet this agent at Mcdo Jones, nag tupad ra among table and nig sugod na siya ug talk then ask ask question and ask siya sa akong number, ambi nako manguyab siya, his good looking and very soft spoken so ako gi hatag. then text text na siya ug mga sayings. then ask siya kung pwede mo meet. ambi nako date, pag-meet namo naa na dayon siya gidala bag sa laptop, then start siya mo sulit na if mag-save ko ug many maka kuha ko ug dagko kaayo na amount pag retire nako I thing mga 6 to 10 million guarantee daw. at first danahan kaayo ko bisag I know gi-ilad rako na date. thats the time ni ni sulti siya na taga PruLife daw siya but I told him na not now lang I have to think pa kay mga 120k gud per year para 600k sum assured. then after that sige na siya pressure nako, sige text and mo adto sa office samok kaayo. so finally para mo stop siya kuha nalang ko. at first maayo pa kaayo siya serbisio. then later on I found out na married na pala siya both couple naa sa same company. Samot pa iyang wife mo pugus ug baligya bitchi pa kaayo. pero wala ko mo dala ako gi ingong pag-human nalang nako bayad sa akong older insurance. tapos pag 2008 ni down ang ilang company so ni down akong investment grabe kaayo low akong money, and pag ask nako niya na guarantee manka anha na ni-tubo ang sungai sulti dayon siya na dili daw guarantee anha pa siya ni-ingon na naka sulat daw sa proposal niya. then ako siya gi-ingon na igo rako naka kita sa proposal pag-bayad na wala ko ka basa, nag-lalis dayon siya na ngano ni-perma ko without reading. tapos sugod na siya wala mo follow up sa akong bayranan then pag ask ko niya why wala na sulti dayon siya na gamay nalang daw commission niya sa akong policy and labad kono akong ulo. so ako nalang gi withdraw. alkansi kaayo ko.

then this year akong friend ni sulti about iyang uncle na hapit ma-victim sa iyang agent sa PruLife, inong daw ang agent sa iyang uncle na naka profit nadaw siya ug 300k sa iyang policy kay grabe na daw tubo, lipay kaayo ang iyang uncle and plan to buy again, pero swerte lang giud siya nag-pa advice siya sa isa ka agent sa BDO about it she told him that its not true PruLife wala mo recover sa financial melt down, starting price nila ay Php1.00 and it goes down to Php0.40 nalang so lugi diay siya. grabe kaayo para lang maka baligya nasad. tapos you know what pareha ra mi agent Michael Cimafranca gihapon. and style nila diay na dili ipa-basa ang ilang proposal.

pwede ba mo give out ug names diri Istorya? murag character assassination ni.
Im not defending the guy but this is not the place to post names.
Just post the bad experience.

[lorenzoleo]

Mahal lagi bai, my friend go one for just about 5k to 6k ra annual for 1M and 30 years old siya.
and mine I just got it at July 5k annual for 800k-900k coverage at 38 yrs old. Same ra mi agent. Convertible pa siya anytime to any regular plan without proof of insurability.

Plus rider naman na ako gi post bro kung gusto siya naay ADB ug WPD na benefits. Kung wala ng duha bro same2x ra tag price.

[JamesCo]

Plus rider naman na ako gi post bro kung gusto siya naay ADB ug WPD na benefits. Kung wala ng duha bro same2x ra tag price.

Yeah Death benefit ra to daw.

[JamesCo]

FYI:
1. Ignore Agents who won't give you proposals, they are hiding something.
2. Read the proposal properly.
3. Investment Products are not guarantee in returns and number of payment years. Except if it is really indicated in the proposal like the one offered by AXA (I'm not sure about the Product) which give guarantee Capital return and gains.
4. Back out if your agent offers debate or discount (Some even gives you extra service you know what I mean). I promise you they wont be serving you properly.
5. Don't be fooled by agents wearing very expensive or social dress or driving expensive cars, most of them are not really successful. I heard some are having problems paying the installments of the expensive. They are just social climbers just to fool you that they are very successful.

Beware of this agent

a few years ago I meet this agent at Mcdo Jones, nag tupad ra among table and nig sugod na siya ug talk then ask ask question and ask siya sa akong number, ambi nako manguyab siya, his good looking and very soft spoken so ako gi hatag. then text text na siya ug mga sayings. then ask siya kung pwede mo meet. ambi nako date, pag-meet namo naa na dayon siya gidala bag sa laptop, then start siya mo sulit na if mag-save ko ug many maka kuha ko ug dagko kaayo na amount pag retire nako I thing mga 6 to 10 million guarantee daw. at first danahan kaayo ko bisag I know gi-ilad rako na date. thats the time ni ni sulti siya na taga PruLife daw siya but I told him na not now lang I have to think pa kay mga 120k gud per year para 600k sum assured. then after that sige na siya pressure nako, sige text and mo adto sa office samok kaayo. so finally para mo stop siya kuha nalang ko. at first maayo pa kaayo siya serbisio. then later on I found out na married na pala siya both couple naa sa same company. Samot pa iyang wife mo pugus ug baligya bitchi pa kaayo. pero wala ko mo dala ako gi ingong pag-human nalang nako bayad sa akong older insurance. tapos pag 2008 ni down ang ilang company so ni down akong investment grabe kaayo low akong money, and pag ask nako niya na guarantee manka anha na ni-tubo ang sungai sulti dayon siya na dili daw guarantee anha pa siya ni-ingon na naka sulat daw sa proposal niya. then ako siya gi-ingon na igo rako naka kita sa proposal pag-bayad na wala ko ka basa, nag-lalis dayon siya na ngano ni-perma ko without reading. tapos sugod na siya wala mo follow up sa akong bayranan then pag ask ko niya why wala na sulti dayon siya na gamay nalang daw commission niya sa akong policy and labad kono akong ulo. so ako nalang gi withdraw. alkansi kaayo ko.

then this year akong friend ni sulti about iyang uncle na hapit ma-victim sa iyang agent sa PruLife, inong daw ang agent sa iyang uncle na naka profit nadaw siya ug 300k sa iyang policy kay grabe na daw tubo, lipay kaayo ang iyang uncle and plan to buy again, pero swerte lang giud siya nag-pa advice siya sa isa ka agent sa BDO about it she told him that its not true PruLife wala mo recover sa financial melt down, starting price nila ay Php1.00 and it goes down to Php0.40 nalang so lugi diay siya. grabe kaayo para lang maka baligya nasad. tapos you know what pareha ra mi agent Michael Cimafranca gihapon. and style nila diay na dili ipa-basa ang ilang proposal.

[honey2723]

pwede ba mo give out ug names diri Istorya? murag character assassination ni.
Im not defending the guy but this is not the place to post names.
Just post the bad experience.

@Metz - I agree w/ you... If somebody wants to know the name of the agent, do it privately lang... wala ta kahibaw, nag-bag-o na sila karon... I'm not defending him pud ha... I am revolted by what he did coz it's these kind of guys that makes my job harder, but that still doesn't give us the right to name him here... do it in the right place lang...

@EmyHot - sorry for your bad experience... I hope this does not close your eyes to the other opportunities out there because of this person...

[JamesCo]

Beware of this agent

a few years ago I meet this agent at Mcdo Jones, nag tupad ra among table and nig sugod na siya ug talk then ask ask question and ask siya sa akong number, ambi nako manguyab siya, his good looking and very soft spoken so ako gi hatag. then text text na siya ug mga sayings. then ask siya kung pwede mo meet. ambi nako date, pag-meet namo naa na dayon siya gidala bag sa laptop, then start siya mo sulit na if mag-save ko ug many maka kuha ko ug dagko kaayo na amount pag retire nako I thing mga 6 to 10 million guarantee daw. at first danahan kaayo ko bisag I know gi-ilad rako na date. thats the time ni ni sulti siya na taga PruLife daw siya but I told him na not now lang I have to think pa kay mga 120k gud per year para 600k sum assured. then after that sige na siya pressure nako, sige text and mo adto sa office samok kaayo. so finally para mo stop siya kuha nalang ko. at first maayo pa kaayo siya serbisio. then later on I found out na married na pala siya both couple naa sa same company. Samot pa iyang wife mo pugus ug baligya bitchi pa kaayo. pero wala ko mo dala ako gi ingong pag-human nalang nako bayad sa akong older insurance. tapos pag 2008 ni down ang ilang company so ni down akong investment grabe kaayo low akong money, and pag ask nako niya na guarantee manka anha na ni-tubo ang sungai sulti dayon siya na dili daw guarantee anha pa siya ni-ingon na naka sulat daw sa proposal niya. then ako siya gi-ingon na igo rako naka kita sa proposal pag-bayad na wala ko ka basa, nag-lalis dayon siya na ngano ni-perma ko without reading. tapos sugod na siya wala mo follow up sa akong bayranan then pag ask ko niya why wala na sulti dayon siya na gamay nalang daw commission niya sa akong policy and labad kono akong ulo. so ako nalang gi withdraw. alkansi kaayo ko.

then this year akong friend ni sulti about iyang uncle na hapit ma-victim sa iyang agent sa PruLife, inong daw ang agent sa iyang uncle na naka profit nadaw siya ug 300k sa iyang policy kay grabe na daw tubo, lipay kaayo ang iyang uncle and plan to buy again, pero swerte lang giud siya nag-pa advice siya sa isa ka agent sa BDO about it she told him that its not true PruLife wala mo recover sa financial melt down, starting price nila ay Php1.00 and it goes down to Php0.40 nalang so lugi diay siya. grabe kaayo para lang maka baligya nasad. tapos you know what pareha ra mi agent Michael Cimafranca gihapon. and style nila diay na dili ipa-basa ang ilang proposal.

They are right its in the forum rules, which I just read it a few days ago, I didn't know that its not allowed cause I saw a few threads with warnings and even pictures bout scams and people like the one you mention. that is why I indicate in this thread that people should put bad agent names and company names to warn others. Cause my parents are also a victim of evil insurance agents my mother until now really hates insurance, and thank God all of us siblings was already graduated when my dad passed away.

I also know this guy he had pest me before but I refuse to buy insurance from him cause I remembered that he was a snob specially after he had married a rich girl and he just got friendly (Plastic) after he started selling insurance. He even ruin my life by saying bad things about me to my friends and relatives. According to my friends the couple is very poisonous and is very good in gossiping (very nosy).

I understand its hard to forgive and let go, but leave it to the Lord he had his way. I hope you will learn something from this thread.

By the way I ask my agent she told me to try to file complain to the Insurance Commission. Sorry, I don't know where and don't know the procedure.

[jess]

You will never understand life insurance if:
1. u don't have one
2. u dont know what are the different types of life insurance
3. u dont attend Financial mgnt trainings, read related materials

[nvv21]

Nice sir JEss 3 Points for that...