10/02/2023
READ THIS PARA DI MO MA SCAM SA INYONG MGA LIFE INSURANCE AGENT‼️
Just want to say something about the viral post of a college teacher/ researcher here in Cebu, regarding on life Insurance. As well as to give an advice to the public.
In his first statement as u can read the screen captured photo below, he wrote that Life Insurance is important, which is true. He also added in his statement nga nailad daw sya sa iyang agent. However, sa 2nd to the last statement niya, gi generalized na niya ang entire Life Insurance Industry as a scammers, disgusting and etc.
Thus, naglibog ko kai ang iyang statement were very contradicting. Notwithstanding the contrary of his statement, I still feel pity of what he had just experienced kai I totally agree with him, 4k per month is not a joke. It’s your hard earned money. I even chatted him personally to offer a help as I am concerned of what had happened.
Now as a Licensed Financial Advisor, my assessment of his concern is that walay Insurance company nga nag offer ug Accidental Death Benefit only nga tag 4k. Mahal ra kaayo na oy. Kanang 4k a month nimo, naa nakai millions nga coverage for Death due to illness or natural causes, Disability, Accidental Death and Disablement, Critical Illness, Hospitalization and Investment. 6 in 1 nanang 4K oy. Pwedi gani 2k or 1.5K ra. Naay Accidental Death benefit nga product like us in Pru Life UK Pero the price starts at 104 PESOS PER YEAR ONLY‼️
Another assessment nako is nang generalized naman gd sya to the entire Life Insurance Industry. Which is wrong. Bias kaayo to other Financial Advisors nga nag tinarung with their companies. Also misleading kaayo sya to the public. Di intawn ni scam ang Life Insurance oy. To the public, please know nga Di basta2 maka operate ang usa ka Insurance Industry Kung dili registered sa SEC and specially to the Insurance Commission Philippines. Naa intawn nai gi sunod nga balaod ug mga requirements nga gi comply ang tanang Insurance Company to ensure the welfare and security to the public. Public interest baya ni nga business so governed gyud tanan Insurance Company sa SEC ug sa ICP.
Also, we as Financial Advisors, licensed tawn mi. Naa mi’y lisensya under Insurance Commission. Pwerting tawn namong tuon to pass the licensure exam. We are not allowed to sell without license. Pwedi gyud mi ninyo ma sue if ever kai again our business involves public interest. Naa nag govern between Insurance Companies and its Financial Advisors and to the Public. (Lamang ang Mai alam 😉)
Lastly, in my assessment, sala gyud to sa iyang Agent/ Financial advisor, sguro mga 80% and Naa pud mistake si client mga 20% Lang. Kai first, ang gi huna2 ato nga agent, is sales Lang. It is apparent nga nangilad gyud to sya. Over promise, under deliver. Naa jud buangon sad nga agent, Mao nang naa gyud ang Insurance Commission to really protect both the agent and the public. Mao nang mangayo gyud mo guys sa among license number para sure 😁 Si client pud, Naa pud sya mistake kai wa man sya ni basa sad oy sa mga terms and conditions before sya ni sign and wa pud niya basaha ang policy contract. Para surebol ba ug ma validate tanan storya ni Agent. Naa man ta gyud hard copy sa policy contract and even sa application palang daan before ka mo sign mabasa rman na tanan imong policy dnha, imong benefits and etc. Sa application form, naa naman almost tanan sa imong policy contract kai wa manai atik2 ang life Insurance. Ang uban raman agent ang mangatik. 😅✌️
My advice to the public as A Licensed Financial Advisor and as a Client of Life Insurance is; Ayaw Lang gyud sad kaau mog tuo dayun sa chismis gud. E validate usa ninyo. Do not be afraid to get insured kai nowadays necessary and essential kaayo ang Life Insurance. Sa other country, like US, Canada, UK, Singapore, etc., linyahan gyud na sa mga taw ang Life Insurance. You just have to be keen, you just have to be careful and smart upon applying for a life Insurance Lang gyud kai it's a commitment between Agents and Clients. Choose your Financial Advisor carefully, know your financial advisor. If naa moi friend or kaila nga FA, much better kai para dali ra ninyo ma reach out and somehow Naa namoi background nila. Also You scrutinized us. ask us a millions of questions if possible kai millions pud na imong coverage haha btaw, it’s because it is your right and responsibility to fully know and understand your Life Insurance policy before signing it. and most especially, make reading a habit para Di ma scam.
My Advice also to those who has their Life Insurance policies na, talk to your agent now and ask them for a policy review. Take a second look of your policy and as anything to your Insurance Agent. Throw us questions.
Actually si Sir nga na scam sa iyang Insurance Agent, has also a mistake kai he allowed to be scammed. I’ve experienced being scammed too, money matter Lang to. And I learned my lesson nga Di ka ma scam if di nimo e allow nga ma scam ka. Meaning, be very vigilant, keen, careful, cautious enough and read gyud. Ayaw mo kahadlok oy kai naai Insurance commission nga nag protect nato. Nato kai I as well is client of Life Insurance. You must know your rights and responsibilities too as a client dili kai e entrust Lang nato tanan sa Insurance Agent. Kai Kung mangilad si agent aw, patay. E Validate jud tanan among e storya.
So now Unsa diay atong mga Rights and Responsibilities as a client when we apply for a Life Insurance?? Dali ra kai na. Tan.awa nang second picture nga akong gi post ay, Mao na sya 😊
And if you want to know more about your right and responsibility as well as tip on what’s the best thing to do when getting a Linsurance kai chatti nalang ko personally kai while nag type ko aning akong post, lagot nakaayo ug nawng si tiyo Mark Zuckerberg diri kai taas na kuno kaayo kog post. Sorna Tyo Mark 😅✌️
Oh Sge na oy, Mao ra to. Buhbyeeeee!! 😘
*Please share for awareness. Let us not spread hearsay. But facts instead 😊
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