Sunlife or Prulife?

[lorenzoleo]

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There is no apple to apple comparison. As I said just separate your insurance. Buy the term one.

[op2nd]

and all these agents want is to sell these products. clients just basing on the theoretical values shown.

4%, 8%,10% Returns mao rani allowed sa IC ipakita.
Dunay ni perform sa ila Equity more than 10% duna pud uban insurance ni perform lower than 4%. Sulay check kada website ila fund performance

[noboss]

4%, 8%,10% Returns mao rani allowed sa IC ipakita.
Dunay ni perform sa ila Equity more than 10% duna pud uban insurance ni perform lower than 4%. Sulay check kada website ila fund performance

Mao na ako ingon boss sa isa nako ka reply.

[op2nd]

There is no apple to apple comparison. As I said just separate your insurance. Buy the term one.

kung ang pag palit sa TERM para makabarato, depende guru sa company boss.

Ako gi compute sa amo, mas mahal nuon ang TERM total pay, compared sa VUL total pay. And by the time nahuman ug pay sa TERM, walay cash value, flat amount ang Sum Insured. PLUS cash out paka para sa mutual fund/any investment.

Sa VUL lesser amt total pay, if 3M ang life coverage and nawala sya at age 70, potential cash value is 24M+, mao ni makuha.

[lorenzoleo]

Naa koy nahibaw.an 3k+ ra ang annual premium for 1M coverage for term. Mas maka maximize ko sa investment side ani.

[op2nd]

Naa koy nahibaw.an 3k+ ra ang annual premium for 1M coverage for term. Mas maka maximize ko sa investment side ani.

asa na insurance company brad?

[lorenzoleo]

Philam MOST product

[op2nd]

kanang 3k+ ... pila man exact amount sa + ? Life ra or dunay rider?

[lorenzoleo]

Php 3,230 annual 30 year old person. Pure life insurance.
1M coverage

Convertible sad inig abot nimu 70 year old that time dako nako ug fund sa akong pure investment nga pwede nako iredeem to convert to whole life.

Genius financial planning idea (Do it yourself)

Free pa ko maka dula dula ako kwarta, pwede sd ko mu kuha ug pure HMO for hospitalization.

[op2nd]

sure bana ang 1M life is only 3,230 per year?

ngano man 6,990 per year, Philam ang 500k coverage? Kung 1M na coverage is 13,980 diay?
Kini nga link

https://fitzvillafuerte.com/philam-l...urance-through

gets na ko... pay ko 3,700 for membership sa IMG dunay special price na 3,230 sa TERM.

Good to know. Salamat