Why life insurance is important

[jovipeorliohacokijo]

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kanang insurance, murag gi set na nimo imong mind na something will happen to you in the future

[Eve's Apple Project]

^^ sakto..but tanan tao bai, moadto jud na og hospital or morgue. hehe

like sa nahitabo sa ako papa. last year gihagad ko og insurance para ako papa, wa jud ko palit kay gasto ra. sos kay nahospital man hinoon this year?! Kidney problem..buslot bulsa oi, 120K gasto sa hospital, plus naa pajud monthly bills karon..kadakong pagbasol nako..maypag nikuha ko last year da...toink?!

[necrotic freak]

Policy holder ko sauna sa Philam life.. wala nako naka renew

[Eve's Apple Project]

ato nalang hunahuna-on nga murag payong ning insurance. di kaayo nato magamit taga-adlaw but sos kadakong pagbasol kung wa ta nakadala..wehehe

[digitalsuperman]

important ni sa mga insurance agents. syempre if dili sila makabaligya walay trabaho naa guro sila quota.

[jowng85]

para insured imo life....

[makie]

Life insurance is important if there is somebody who is depending on your income. If wala, it could not be that useful.

When it is useful to the fullest? During the critical years. Critical years are those years wherein a breadwinner have children who are depending on his income and still doesn't have the capability to earn an income. It is to protect the breadwinner's ability to earn an income so just in case something will happen to him (accident, disability, or death), those who are depending on his income will be receiving a financial support from the life insurance company. Just think of the life insurance company as the extension or back-up of the breadwinner's income generating capacity just in case something unfortunate will happen.

And regarding the agents, yes, we have quotas hence that is why some agents keep on pushing a sale. Being a life insurance agent is a needs-based selling hence we first must get to know the need of the prospect/client before giving offers or proposals. Some agents do the short cut, they immediately show the prospect/client product or policy proposals upon the first meeting which normally ends up not fitting the actual need of the prospect/client.

How to spot if an agent is doing his/her job well or is just chasing after commissions?

If you notice the agent pushing the sale without investigating your needs, keep your defenses up. Agents should investigate first your financial status, ask your needs/priorities, normally ask your budget as well, and draft a plan out from it. The product shouldn't come out without the needs/priority investigation. Doctors don't give out medicines without knowing the cases.

[trylle]

maypag e save na lng nako ang e bayad anang insurance. sureball pa.

[Gjhone]

Life Insurance - paniguro daan sa ugma. Especially naay Insurance nga covered some major ILLNESS like Cancer and others.

[walker]

Prudential just folded up... whew...

busted dreams.. looy ang mga subscribers..