Unsay Nindot Nga Life Insurance?

[medwarc]

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dako2x if mo invest/trade directly pero di man sad siya in-ana ka sayon, hehe. ka try ko stock market trading and ni grow siya 30% (net of fees and losses sa uban trades) in 6 mos. pero di man siya in-ana ka dali. di kayo ko ka multi-task and I need to focus sa biz. lastly, murag na-chambahan rapud to, hahaha. . . sakit2x rapud sa heart whenever volatile kaayo so sa investment/capital appreciation nga side, sa biz lang sa ko mag focus.

based sa current "need" and comfortable sa pagbayad, VUL pa bro pra moabot ang time nga sustainable na ang investment side to pay the premiums. ang concern raman nako ani is what if moabot ang time mo-correct na ang market. how deep will it go and basi katong dako2x na og living benefit kay mag panic withdrawal sa ila "gains", maka-cope up ba ang life insurance company ana and medyo late naman ko mokuha life insurance, basi imbis padung upside, flat or padung ubos na hinuon, hehe. pero, mao raman pud na ni play sako mind and we never really know so if that will happen, let it be nlng.

Let's say, okay rajud bisan ny corrections.
ang mo fit sako kay VUL nga style, kato maka-sustain na in time ang investment side to pay the succeeding annual premium.
kay maglisod kog dungan2x sa "liabilities"/expenses/financial obligations.
whenever moabot ang time nga kaya na mo add lain, mo add rako.

naay term life nga 5, 10, 15 and 20 years pero bisan sa 20 years, murag feel nako di pako mamatay ana if natural death, hihi. basi 3 to 5 years from now then 20 years term, pwede na ang term

opinion rana nako ha. life and death kay di man matag-an as well as the capacity to pay (may be stable karon, pero mokalit dili), etc...

murag swerte jud maka bana nimo sis da kay asset ka. hehehe anyway, pls pm me daw imo age ug ang monthly nga ma bayran nimo sa imo napilian na and ang coverage amount. ako lang i compare sa gi offer sa amo nga term insurance kay I personally believe nga pinaka barato ra jud ni. Thanks.

[cebu.opportunities]

murag swerte jud maka bana nimo sis da kay asset ka. hehehe anyway, pls pm me daw imo age ug ang monthly nga ma bayran nimo sa imo napilian na and ang coverage amount. ako lang i compare sa gi offer sa amo nga term insurance kay I personally believe nga pinaka barato ra jud ni. Thanks.

sa karon? murag di man swerte, haha. naa paman koy financial obligations and daghan pasad dapat i-work out for self-improvement. di nlng nako ipanglista diri kay murag mapuno, lol.

mas barato gyud ang term life pero sige lang.

Quick question sa kadtong naay MF, VUL... Dagko kaau ug deductions inyong first-third year ani?

VUL
tasagaran sa first 5 years. diha man ang deductions sa commission, premium and other charges.
then after ana, ang bulk kay padung na sa investment (naa pasad ni fee, murag 2% siguro, not sure) less premium.

MF:
direct investing = 2.5% to 3% man siguro ila charge sa initial and top-ups then murag naa pasad ny fee nig redeem (a little higher siguro if parehas sa stocks nga naa pai sales tax).

puro estimates rana ha.

[rhodem24]

sa karon? murag di man swerte, haha. naa paman koy financial obligations and daghan pasad dapat i-work out for self-improvement. di nlng nako ipanglista diri kay murag mapuno, lol.

mas barato gyud ang term life pero sige lang.




VUL
tasagaran sa first 5 years. diha man ang deductions sa commission, premium and other charges.
then after ana, ang bulk kay padung na sa investment (naa pasad ni fee, murag 2% siguro, not sure) less premium.

MF:
direct investing = 2.5% to 3% man siguro ila charge sa initial and top-ups then murag naa pasad ny fee nig redeem (a little higher siguro if parehas sa stocks nga naa pai sales tax).

puro estimates rana ha.

Thank you sa reply maam. Sa pikas thread ni nako nga post sa? Hahaha.

[jbass]

sungrepa life ko.. life insurance... 10 years to pay

[bul0y]

U maybe interested in investing sa FWD INSURANCE. PLEASE try to do a quick research.

Thank you

[Cherry101]

Pru Life UK

[callsyn_bigbird]

Hi fellow istoryans,

Share sad ko gamay ani nga topic. I’ve made some research kun asa jud ang nindot nga life insurance company both worldwide and nationwide, this is what I found out.

World’s Top 10 Insurance Companies:
1. AXA
2. Zurich Insurance Group
3. China Life Insurance
4. Berkshire Hathaway
5. Prudential PLC (PUK)
6. United Health Group
7. Munich Re Group
8. Assicurazioni Generali S.P.A
9. Japan Post Holding Co., Ltd.
10. Allianz SE

Info courtesy of: World's Top 10 Insurance Companies (LFC,UNH,BRK.A,PUK,ING,PRU,AIG,MFC,MET)

Top Insurance Companies in the Philippines:
• Sun Life of Canada (Philippines) Inc. – total premium income of P30.7 billion
• AXA Life Insurance Corp – total premium income of P18.35 billion
• Philippine American Life and General Insurance Corp. (Philam) – total premium income of P18.3 billion
• Pru Life Insurance of the UK – total premium income of P15.4 billion
• BPI Philam Life Assurance Corp – total premium income of P14.4 billion
• Sunlife Grepa Financial – total premium income of P7 billion
• Manulife Chinabank Life Assurance Corp – total premium income of P4.9 billion

Info courtesy of: Sun Life, AXA Life lead in premium income in 2014 | Business, News, The Philippine Star | philstar.com

Talking not as a Financial Adviser but as an investor, here's what I can say: Dili mo matter kun unsa ka nindot or kadako ang usa ka company. Don't get me wrong, I am not promoting any company. lol.

Tanan man life insurance companies ga offer ug nindot nga mga packages with very affordable prices nga kaya kaayo sa bulsa and ang mga financial advisers kay well trained sad. However, those things doesn't matter. Why? Simply because what matters is ang need naku as a client. As an investor myself, I always ask for two (2) things:

1. Annual rate of return - if gamay kaayo ang annual rate of return then let's forget about investing my money sa inyuhang company.
2. After-sales support - ang common reviews sa mga tao nga bati daw ang life insurance kay tungod sad sa mga agents wherein naa diha 24/7 but after na gani ma close ang deal kay mawala na dayun nga mura ug bola.

Kani akoa opinion ra naku and walay labot ang company wherein I am currently connected.

[janelorelyn]

sunlife pls pm me

[sedated33]

Same ra basta naa lang sa top 5. Ang important gyud kay ang financial adviser.. Trustworthy and honest.. Dili ra commission gi apas. I suggest nga adto mo kuha sa mga karaan na sa industry kana naana track record. I'm a financial adviser myself and I've witnessed so many people come and go in sales. Choose someone you trust and someone you know...

[Simplewish]

I agree with callsyn ��...on those last two points she mentioned. I'm with Pru Life U.K. And just pm me for questions. ��