Carl Manabat, CIA - Pru Life UK Financial Advisor

“Carl, anong mas maganda, HMO o Life Insurance?”

Simple lang, kailangan natin yan parehas.

Halos ALL of the time ito ang madalas na na-encounter ko na tanong mula sa mga client and prospects ko.

Pero sa totoo lang, parehas silang maganda at kailangan pareho for a sound financial portfolio.

Ang HMO ay mahalaga lalong lalo na for preventive care kagaya ng mga check-up at minor na bisita sa hospital. Depende sa limit ng benefit mo, may pagkakataon na kung mataas kaya din nito magcover ng critical illness.

Ang Life insurance naman na may health riders nagagamit ang hospitalization benefits para magreplace ng income na nawawala habang nakaconfine. Pero mas madalas sa critical illness nagagamit ang life insurance.

Again, parehas silang maganda pero hindi mo pwede compare ang unan at kutsara dahil may pagkakaiba sila sa paggamit.

We never know what tomorrow holds. Life can change in an instant, and the last thing you want is for your loved ones to face uncertainty when they need you most.

Be protected and insured NOW.

DM me. Let’s talk about it. 💌

Letting your insurance policy lapse can have serious consequences, depending on the type of policy. Here’s why you should avoid it: