Dharen T. Cleofas, CIA - Licensed Financial Advisor

Dharen T. Cleofas, CIA - Licensed Financial Advisor

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Dharen Cleofas is a licensed financial advisor, offering both traditional and variable unit link insurance.

She is also granted a certificate to offer unit investment trust fund under the name of Pru Life Asset Management and Trust Corp, regulated by BSP.

Photos from Dharen T. Cleofas, CIA - Licensed Financial Advisor's post 07/02/2023

Sharing how i update my clients on their investment fund value, this plan is set up for their baby's future education fund. Both parents are also insured, whatever happens, with or without them, their child's future will not be compromised.

Base sa projection, yung guide natin sa magiging takbo ng investment, ang goal natin ay mareach yung highest percentage of return which 10%. Para maachieve natin ang mataas na value ng fund after 15 yrs.

Ang nakalagay sa projection, after 12mos. Dapat mareach naten is 17, 265.91. At 10%
Vs.
-Actual, ang value na nya is 21,464.54 after 7 mos.
-Actual value as of February 6, 2023 ay 40,693.84 after 12 mos.

CONGRATULATIONS po !

Sa mga gusto maginquire regarding this plan, feel free to message me for a free financial planning.

25/01/2023

Good News

Our team in IASLIA/Pru Life is expanding
We are to open General Agencies/Branch in Bicol, Cavite, Laguna and Bulacan

We are looking for people who would want to augment income, interested for side hustle, wants to shift career, loves travelling and willing to grow and learn.

Tara na ! We have a new program with a monthly allowance of 20k to 60k on top of income and commission.

Hear us
Message me for any question

20/01/2023

๐’๐š๐ง๐๐ฐ๐ข๐œ๐ก ๐†๐ž๐ง๐ž๐ซ๐š๐ญ๐ข๐จ๐ง

- a generation of people, typically in their thirties or forties, responsible for bringing up their own children and family as well as the care of their aging parents.

--------------

End the trend.
Cut the cycle.
Plan for your retirement.
Ease your children the financial burden for your retirement days.

๐๐ž ๐ญ๐ก๐ž ๐ฅ๐š๐ฌ๐ญ ๐ฌ๐š๐ง๐๐ฐ๐ข๐œ๐ก ๐ ๐ž๐ง๐ž๐ซ๐š๐ญ๐ข๐จ๐ง.

๐˜ฝ๐™ฎ ๐™จ๐™–๐™ซ๐™ž๐™ฃ๐™œ ๐™จ๐™ข๐™–๐™ก๐™ก ๐™ฉ๐™ค๐™™๐™–๐™ฎ, ๐™ฎ๐™ค๐™ช ๐™–๐™ง๐™š ๐™จ๐™–๐™ซ๐™ž๐™ฃ๐™œ ๐™—๐™ž๐™œ ๐™ฉ๐™ค๐™ข๐™ค๐™ง๐™ง๐™ค๐™ฌ.

19/01/2023
11/01/2023

Sabi nga โ€œItโ€™s not how much money you make. But how much money you keep, how hard it works for you and how many generations you keep it for.โ€

Secure your familyโ€™s future, save and invest with peace of mind.

โ˜‘๏ธ May retirement fund si daddy at mommy
โ˜‘๏ธ May educ fund si baby
โ˜‘๏ธ All of you are financially ready against financial loss due to life uncertainties

The family that saves money together, stay stable forever.
Start your family investment haul today. โค๏ธ

FINANCIAL PLANNING IS EQUAL TO FAMILY PLANNING. ๐Ÿค—

Feel free to send me a message for a FREE financial consultation and quotation proposal based on your needs and budget.


09/01/2023

Insurance advisors are only there to guide, encourage, assist, advise and recommend a program for you.

At the end of the day, ikaw pa din magdedecide.
At the end of the day, pera mo pa din yan.
At the end of the day, pamilya mo pa din yan.
Discern properly. Pray and reflect about it.

Ask yourself, kailangan ko ba ito? Gusto ko ba meron akong ganito? If yes, find a way na maipasok mo siya sa budget mo.

Find a way to start it! Ikaw pa din makakatulong sa sarili mo.โค

Ctto

06/01/2023

BPO employee / Student. Total stranger turned valued client and friend. I randomly message her sa facebook to share about Pru life UK. We met via zoom, she's only 20 years old and surprisingly she already had a policy from other Insurance company. We stayed connected, sharing her ideas and updates about Pru. After a year she decided to get a policy from me.

06/01/2023

OFW / Nurse. I reached out while nasa abroad pa sya, may idea sya about insurance with investment kasi may friends and family members din na may policy. After a year umuwi for a vacation at pinaglaan nya talaga sa schedule ang makapag-asikaso ng insurance and other pre-need plans (napakapractical).

Tinanong ko sya bakit sya kukuha ( ng insurance policy), ang sabi nya " ayoko ma-zero " (his hard-earned savings and properties) kasi aware sya sa cost of having critical illness. "sobrang mahal, saka may relapse (especially cancer) talaga after ilang years". "Dapat nga noon pa, pero inuna ko yung goal ko magkaroon ng bahay kasi wala kaming sariling bahay".

Nakaka-amaze at nakaka-inspire yung sacrifice at focus sa goals at priorities. Proud ako sayo

Photos from Dharen T. Cleofas, CIA - Licensed Financial Advisor's post 04/01/2023

ADULTING STARTER PACK โค๏ธ

Start your PRU INSURAVEST PLAN for as low as 70 per day.๐Ÿค—

PAA Plus - a regular pay investment linked plan that will cater your financial planning for:
โœ”๏ธProtection
โœ”๏ธChildren Education
โœ”๏ธMedium to Long Term Goals
โœ”๏ธRetirement Fund
โœ”๏ธCritical Illness
โœ”๏ธEstate Conservation

Core Benefits:
โ˜‘๏ธSum Assured
โ˜‘๏ธAccelerated Total and Permanent Disability
โ˜‘๏ธAccidental Death and Disablement
โ˜‘๏ธAccelerated Life Care Benefits
โ˜‘๏ธDaily Hospital Income
โ˜‘๏ธWaiver of Premium due to TPD

Attachable Riders :
Personal Accident , Crisis Cover Benefit, Life Care Advance Plus, Life Care Waiver, MLCP, Payor Term

Note:
Sample proposal for Client age 23.

โœ… Sa INSURAVEST may financial security ka na, may investment and savings ka pa!๐Ÿ˜

๐Ÿ“ฉFeel free to message me for more details.

Pru Life UK named Best Insurance Company in PH 04/01/2023

GOOD NEWS!!!๐Ÿ˜ฑ๐Ÿ˜ฑ๐Ÿ˜ฑ๐Ÿ’ฏ๐Ÿ’ฏ๐Ÿ’ฏ๐Ÿ˜๐Ÿ˜๐Ÿ˜

To our Dear Clients, we are proud to announce that Pru Life UK bagged the BEST INSURANCE COMPANY in the Philippines in the recent Global Business Magazine Award 2022.๐Ÿ†๐Ÿ†๐Ÿ†

CONGRATULATIONS and Thank you so much for choosing the best for you and your families!โค๏ธ๐Ÿ’–

https://www.google.com/amp/s/www.manilatimes.net/2022/12/24/public-square/pru-life-uk-named-best-insurance-company-in-ph/1871571/amp

๐Ÿฅ‡


Pru Life UK named Best Insurance Company in PH LEADING life insurer Pru Life UK bagged the Best Insurance Company in the Philippines award at the Global Business Magazine Awards 2022.The company was recognized for its...

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