Unsay Nindot Nga Life Insurance?

[op2nd]

kanang life 400k apil nana cya sa critical illness ? if apil na gamay ra d.i ang coverage no?
naa agent sa tga Pru Life VUL cya den age 25 2k per month ra.

nindot sad btw to gi offer ni @medwarc pero mao sad lagi member ra dli ipa offer sa uban.

basic lang ako gipakita na comparison para simple.



@MarNey
FYI: oct 21,2014

AXA VUL = 2K/ month ( Life Coverage is 592k + Health coverage 500k) pwuede ma adjust depende sa client.

[op2nd]

TERM computation (oct 19,2014, Phils)

CLIENT: male, age 25, 5yrs to pay, 3M coverage, renew every 5th yr.



Guardian 5 (Philam Life) since 1947, covers Phils, biggest in Phils, partner BPI

mode of payment: ------------ quarterly, annual


monthly ------------------------ n/a
quarterly ----------------------- 2,745

(Age 25-30) 1st 5 years: P10,980/yr
(Age 30-35) 2nd 5 years: P11,700/yr
(Age 35-40) 3rd 5 years: P13,770/yr
(Age 40-45) 4th 5 years: P16,050/yr
(Age 45-50) 5th 5 years: P22,650/yr
(Age 50-55) 6th 5 years: P30,210/yr
(age 55-60) 7th 5 years: P46,890/yr ........ total = 152,250
(Age 60-65) 8th 5 years: __n/a
(Age 65-70) 9th 5 years: __n/a



AXA

mode of payment: ------------monthly, quarterly, semi-annual,annual

monthly -----------------------1,179.90
quarterly ------------------ 3,353.4

(Age 25-30) 1st 5 years: 12,420/yr
(Age 30-35) 2nd 5 years: 12,780/yr ...10th yr you're covered up to 100yrs, if VUL (VUL= 1,256.01), min. coverage? theres AXA way to increase it.
(Age 35-40) 3rd 5 years: 13,320/yr
(Age 40-45) 4th 5 years: 14,100/yr
(Age 45-50) 5th 5 years: 16,200/yr
(Age 50-55) 6th 5 years: 23,100/yr
(age 55-60) 7th 5 years: 37,500/yr ..... total129,420
(Age 60-65) 8th 5 years: 56,820/yr
(Age 65-70) 9th 5 years: 83,580/yr

AXA note: convertible to VUL anytime
you may renew until age 74 even without evidence of insurability.




AXA VUL (mutual fund + life coverage)

AXA Premium (VUL) : 1,256.01 --- VUL, 10yrs to pay, Whole Life, 400k sum insured, Age 25, Male

: 35% goes to insurance, 65% investments, after the 5th yr, tanan investments na.
: pwuede ni mapatas-an up to 8M no medical required at age 25



** Important to know the background when choosing your PARTNER ...

since 1816, Paris, covers 61 countries, biggest in the World, partner Metrobank



http://fortune.com/global500/axa-16/
http://en.wikipedia.org/wiki/AXA#mediaviewer/File:Axa_worldmap.PNG
http://bestglobalbrands.com/2014/axa/



http://whatbrands.blogspot.com/2012/02/best-life-insurance-companies-in.html#comment-form_7095628932608639609

[op2nd]

I dont agree with someone saying you will no longer need a life insurance coz around the globe and in other countries priority jud ni nila but i believe and agree that your current life insurance might no longer be "enough" (the right term) for one person.

As for term insurance, yeah nice ni sya if u want to max ur protection coverage but it's paid Annually wlay monthly ani ....

" .... but it's paid Annually wlay monthly ani"

you can pay monthly with AXA ...

[makie29]

[SIZE=1][COLOR=#0000FF][FONT=century gothic]: 35% goes to insurance, 65% investments, after the 5th yr, tanan investments na.

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 investment portion.

[op2nd]

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 investment portion.

Well... ug i compare napud nato ang VUL sa AXA bisag unsa pana mga deductions bottom line ...
AXA gives the highest Return

Besides we are talking about insurance here ... this is about life coverage lets respect that.

[BatmanBeyond]

Well... ug i compare napud nato ang VUL sa AXA bisag unsa pana mga deductions bottom line ...
AXA gives the highest Return

Besides we are talking about insurance here ... this is about life coverage lets respect that.

We respect everyone here. Btw, pls give us proof that AXA gives the highest return.

We want to point out also that past performance does not guarantee future returns.

[op2nd]

We respect everyone here. Btw, pls give us proof that AXA gives the highest return.

We want to point out also that past performance does not guarantee future returns.

Yes i know dili guaranteed... gai ko ug computation dated karon, pareha ta ug data, then taparan nako
para duna sila sample makit-an.


Insurance man gud ang main topic dili man VUL .. ni tubag lang ko atong usa diha.

[makie29]

Well... ug i compare napud nato ang VUL sa AXA bisag unsa pana mga deductions bottom line ...
AXA gives the highest Return

Besides we are talking about insurance here ... this is about life coverage lets respect that.

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 everything that he/she needs to know. No pun intended, I'm just pinpointing the very obvious yet agents and clients oversee.

[Simplewish]

Let us not confuse the TS or those planning to get a Life Insurance...ang question or subject I believe is "Unsay Nindot Nga Life Insurance?" Dli unsay Barato or asa mas maau Term or Life or VUL. Best we can do is pm kinsay interested... Let us not confuse the already confused readers. Anyway, good morning sa tanan!

[novem]

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