Pru Life UK Financial Advisor - JJ Sotomayor

Kulang pa pala?

Nag-log in ako sa GCASH, tapos may ad: “The average cost of cancer treatment is ₱ 2 MILLION”

Buti na lang nagstart na ko magbuild ng coverage 'ko, di pa ₱2M coverage ko for critical illness pero papunta na tayo d’yan!

If you already have policies, that’s great! But it’s still worth reviewing if your coverage is really enough to keep you financially secure, 𝐣𝐮𝐬𝐭 𝐢𝐧 𝐜𝐚𝐬𝐞 something like cancer happens.

Galing o! My client hits the third-year projected fund sa second year pa lang ng policy niya. 💰 Proud to see how we help our clients achieve their financial goals. 💡



**Disclaimer: Fund Value is not guaranteed; it will always depend on the market's performance and the investment funds' actual returns

Thank you for your time Sheila! nakapagchikahan rin kahit papano! very responsible and loving daughter, always looking after your parents! looking forward to being your financial advisor! 😎

"Kaya naman tayo nagsisikap para makabawi tayo sa mga magulang natin" 👏👏

"𝗞𝘂𝗻𝗴 𝗴𝗮𝗻𝘂𝗻 𝗱𝗶𝗻 𝗹𝗮𝗻𝗴, 𝗿𝗲𝗳𝘂𝗻𝗱 𝗻𝗶𝘆𝗼 𝗻𝗮 𝗹𝗮𝗻𝗴 𝗹𝗮𝗵𝗮𝘁 𝗻𝗴 𝗽𝗿𝗲𝗺𝗶𝘂𝗺𝘀 𝗸𝗼, 𝗱𝗶 𝗿𝗶𝗻 𝗻𝗮𝗺𝗮𝗻 𝗮𝗸𝗼 𝗻𝗮𝗴𝗸𝗮𝘀𝗮𝗸𝗶𝘁."

One of the most common concerns ng clients ay ang usaping REFUND.

Pwede nga ba mag-refund?
Paano kung tumigil na sa pagbabayad?
Mawiwithdraw ko ba ang mga premiums ko?

⭕ Simulan natin ito sa Term Insurance.
Prepaid po ang mga insurance.
Meaning, parang renta. Babayaran mo agad yung term or period na sakop ng insurance.

If ang term insurance mo ay yearly ang term, you pay now. Then covered ka.

If di ka na magbayad next year, di ka na covered. Ganun kasimple.

So may mawiwithdraw ka ba? Wala.

⭕ Paano naman kung VUL or Variable Unit-linked ang nakuha ko? Insurance with investment.

Kapag ba tumigil ka na (surrender), mawiwithdraw mo ba exactly lahat ng PREMIUMS na binayad mo? Hindi.

Ang ma-wiwithdraw mo lang ay 'yung current value ng Investment mo. (Fund value)

⭕ Bakit ganun?
Mas mainam pala ang bank. Pag nagdeposit ako, mawiwithdraw ko exactly the same.

Opo, yan ang purpose ng bank.

Iba ang purpose ng insurance. Iba rin ang investment.

⭕ Tatandaan, binibili mo ang service ng insurance contract. Kung 3 million death benefit yan, yan ang binibili mo.

⭕ So bakit nga walang REFUND?

Kapag ba bumili ka ng isang bagay o service, tuwing kelan lang may refund? Ano ang refund policy?

- kapag may DEFECT.

E kung wala namang defect ang policy, walang marerefund.

⭕ Wala naman akong naging sakit, sayang lang binayad ko.

- Bigyan kita ng analogy. Naghire ka ng bodyguard to protect you from harm. Pinasahod mo ng 5k a month.

After 2 years, nakapasahod ka na ng 120k. Wala namang umatake sayo.

Can you tell your bodyguard na, "Kukunin ko na lahat ng 120k na pinasahod ko sayo kasi di naman ako napahamak, wala namang umatake sakin."

Anong response ng bodyguard?
"Ay babalik ko sayo, may patago ka teh?"

Same concept.
You buy insurance to get the service of protection.

Kada oras na dumadaan na IN FORCE ang insurance contract mo, liable ang insurance company to fulfill the contract's obligations.

So ang Insurance charges na nababayad mo out of your premium, doon yun napupunta.

Hindi sya nasayang.

I hope you get my point. Alamin sa mga agents ninyo ang full details.

Read na rin ikaw ng ibang articles sa page ko. ❤️



+Repost*

Thank you, Kuya and Ate for welcoming in your home and also for the trust as allowing me to be your financial advisor. Kahit ginabi na, hinintay pa rin until ma-issue yung policy! Salamat ulit!

Quick story time muna tonight about my recent interaction with my client. 😊

So my friend randomly reached out to me asking if he could withdraw money from his fund value because he needs to undergo a procedure for his ACL tear. Of course, dahil pera nya na yun, PWEDENG PWEDE 🙏🏻🙌🏻

He is covered by their company HMO, but it will fall short because there is a certain screw needed for the procedure that will not be covered by his HMO. Buti na lang false alarm kasi no need na raw to operate dahil hindi naman napunit si meniscus. 🙏🏻

See? This is what we call an uncertainty, where we can use your fund value from your disciplined savings with Pru. 🙂 Ang galing diba? Ang focus mo nalang ay sa pagpapagaling dahil may pambayad kana 🙂

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Don't just live life; secure it! 🌟 Drop a comment or shoot me a message if you want to unravel the mysteries of life insurance together! 🤔🔍

𝑳𝒆𝒗𝒆𝒍 𝒖𝒑 𝒚𝒐𝒖𝒓 𝒇𝒊𝒏𝒂𝒏𝒄𝒊𝒂𝒍 𝒈𝒂𝒎𝒆 𝒘𝒊𝒕𝒉 𝑰𝑵𝑺𝑼𝑹𝑨𝑽𝑬𝑺𝑻! 🚀

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Curious about Pru Life UK or need a hand with your financial plans? Slide into my DMs. Open po ang opisina, pwede rin mag chismisan lang tayo 😝