Unsay Nindot Nga Life Insurance?

[op2nd]

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Nindot jud lagi ato ni i compare para dili na tawn maglibog...ako willing ko mo hatag sa computation ug kinsay ganahan magpa compute ug TERM and VUL.

"I have a term insurance which I paid for P3380 only(of course this would base with your age) which has a coverage also of P1M. i round off na lang nato to P3500".

@medwarc
sa 3,380 per month nimo na payment, 1M coverage POLICY sa PHILam Life...
ask lang ko Bro, pila ang edad nimo ani pagkuha sa TERM?

Para ma compare nato sa uban...

[Terminatorn]

Philam is offering bro much cheaper but this is only a privilege given to us. Wala ni gi offer sa market even sa ila agent. From your sample 3M, it costs only P8670/year for a 25 year old.

Mas nindot ni kang boss @medwarc nga Term Life diay oi. Baratoha ra.

[lexiereyjean]

PhilAM sir nindot ni

[op2nd]

Mas nindot ni kang boss @medwarc nga Term Life diay oi. Baratoha ra.

from medwarc - Philam life:
"Philam is offering bro much cheaper but this is only a privilege given to us. Wala ni gi offer sa market even sa ila agent. From your sample 3M, it costs only P8670/year for a 25 year old."

Nindot ni ug gi offer sa client... privilege man gud, ug mag subay napud ta ug privilege ma OFF TOPIC.
Sa privilige duna mi, FREE for all agents and managers with HMO.... dili lang ta subay ani.

(Philam Life since 1947, main office Manila, affiliate of BPI, biggest in the Philippines )
http://en.wikipedia.org/wiki/Philippine_American_Life_and_General_Insurance_Com pany



from medwarc - Philam Life:
"I have a term insurance which I paid for P3380 only (of course this would base with your age) which has a coverage also of P1M. i round off na lang nato to P3500."

kini gusto nako mahibaw-an pila ang age pagkuha niya para ma compare nato.



AXA Computation:
AXA Premium (TERM): 1,179.90 --- TERM, 5yrs to pay, 3M sum insured, Male, Age 25


(AXA since 1816, main office Paris, found in 61 countries, affiliate of Metrobank, biggest in the World)

http://en.wikipedia.org/wiki/AXA
http://en.wikipedia.org/wiki/AXA#mediaviewer/File:Axa_worldmap.PNG (AXA world map)



Kinsa gusto magpa compute FREE lang,
No commitment, para ma compare ninyo sa uban.

[BatmanBeyond]

from medwarc - Philam life:
"Philam is offering bro much cheaper but this is only a privilege given to us. Wala ni gi offer sa market even sa ila agent. From your sample 3M, it costs only P8670/year for a 25 year old."

Nindot ni ug gi offer sa client... privilege man gud, ug mag subay napud ta ug privilege ma OFF TOPIC.
Sa privilige duna mi, FREE for all agents and managers with HMO.... dili lang ta subay ani.

(Philam Life since 1947, main office Manila, affiliate of BPI, biggest in the Philippines )
http://en.wikipedia.org/wiki/Philippine_American_Life_and_General_Insurance_Com pany



from medwarc - Philam Life:
"I have a term insurance which I paid for P3380 only (of course this would base with your age) which has a coverage also of P1M. i round off na lang nato to P3500."

kini gusto nako mahibaw-an pila ang age pagkuha niya para ma compare nato.



AXA Computation:
AXA Premium (TERM): 1,179.90 --- TERM, 5yrs to pay, 3M sum insured, Male, Age 25


(AXA since 1816, main office Paris, found in 61 countries, affiliate of Metrobank, biggest in the World)

http://en.wikipedia.org/wiki/AXA
http://en.wikipedia.org/wiki/AXA#mediaviewer/File:Axa_worldmap.PNG (AXA world map)



Kinsa gusto magpa compute FREE lang,
No commitment, para ma compare ninyo sa uban.

kani sa axa kay term man ni so after 5 years kay ur no longer covered, di ba? at almost 1,200/month, that realy cheap.

for IMG members, they have a cheap one, its called MOST forgot the meaning. but exclusive for IMG members lang jud ni. in my case at 27 yrs old, thats 4,700 for 1M coverage with 1M critical illness

i have a vul proposal from insular. coverage is 1.5M then pwede ma adjust ang ang premium if pila ang imu makaya. in my case, i asked the 1.5M coverage for 20k per year, payable for 5 years. take note that its a vul, not term.

[op2nd]

yes TERM ni... dili man sila ganahan sa VUL

GI compute nako ang TERM sa AXA para klaro.

FYI:
AXA Premium (TERM) : 1,179.90 --- TERM, 5yrs to pay, 3M sum insured, Age 25, Male

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.

[MarNey]

yes TERM ni... dili man sila ganahan sa VUL

GI compute nako ang TERM sa AXA para klaro.

FYI:
AXA Premium (TERM) : 1,179.90 --- TERM, 5yrs to pay, 3M sum insured, Age 25, Male

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.

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.

[makie29]

Kini nalang ato data: Male, Age 25, Term, 5yrs to pay, 3M sum insured

I think kulang ang information. Maybe let's include how long ang coverage since this is term insurance.
Anyway, here's the premiums from Philam Life

Guardian 5 (that means every five years mausab ang premium)

First 5 years: P10,980/year
Second 5 years: P11,700/year
Third 5 years: P13,770/year
Fourth 5 years: P16,050/year
Fifth 5 years: P22,650/year
Sixth 5 years: P30,210/year
Seventh 5 years: P46,890/year

*It can be paid on a quarterly basis. No monthly mode of payment for term insurance in Philam Life.

I would agree that IMG gives by far the cheapest term insurance (that I know of). For the same coverage, I think they can give it for as low as P7,500 to P8,000 per year.

[makie29]

"bro, kanang term 1,179.90 ako lang i clarify, monthly payment na sya or for 1 whole year na na?"
@medwarc .... monthly na bro.

For comparison's sake, I assume that the coverage is just for pure insurance, wala pay apil riders.
Since naa may modal charges, how much would it be kung annual (since annual is cheaper)?

[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.

Pwuede guihapon apilian ug RIDER wala lang nako giappilan para dili na malibog tawn ang uban na dili Ahente...

Basic lang para sayon pag compare.

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

yes nindot...but ato concern ani para sa CLIENT para dili malayo sa topic.
Ug member privilege, duna mi libre 1M