Life Insurance - Unsay Nindot

[Metz]

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gusto sab ko maka sabot og tarong regarding what policy to have. daghan na agents from different companies ni hatag sa ila proposals sa life insurance nako but wala gyud ko kasabot og tarong. Ganahan ko aning BTID kay murag affordable lng. Mga bossing pwede ma enlightened ani?

PM sent. I can discuss BTID with you.

[quantuminplus]

ako sad sa Kaiser...pa PM

[Calvin238]

here's what I posted a long time ago, this was a discussion between a pro traditional/whole life and pro BTID.

naa lang ko gi-bold dira kay cge ingon ang pikas team nga wa kuno mi paki sa client nya commission ra giapas. They keep saying wa kuno ayo ang BTID but the numbers tell a different story.



But I made this post bag-o pako sa IMG.
Karon what we promote by order of priority is

without dependentskung walay ga depend sa imo income, invest on yourself)

1. Kaiser - healthcare for short term AND long term(retirement)
2. Mutual funds - pension

with dependents:

1. Kaiser
2. Life insurance(at least 1M, then add as needed) -we need this while pobre pata, if dato na, optional nalang.
3. Mutual funds

so your BTID can be Kaiser + Life, or Kaiser + Life + MF if with dependents.

Investments should be the last priority, protect short term concerns before going long term.

hi metz ask lang ko what if dili ra kaayo dako imong income and with dependent ka unsa man mas maayo nga btid para ana lets say mga 15k or less ra jud imo income but still planning for securities and investment para sa atong dependent and nato nga ga work unsa may mas maayo ana pls pm me thanks