Clarisse Gallega Batoy, Financial Consultant

𝐒𝐰𝐞𝐫𝐭𝐞 𝐧𝐠 𝐊𝐢𝐝𝐬 𝐧𝐠𝐚𝐲𝐨𝐧!!

Imagine magsasave ka lang ng 𝟱 𝗼𝗿 𝟭𝟬 𝘆𝗲𝗮𝗿𝘀 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝗰𝗵𝗶𝗹𝗱 tapos meron na siyang 𝗟𝗶𝗳𝗲𝘁𝗶𝗺𝗲 𝗕𝗲𝗻𝗲𝗳𝗶𝘁𝘀 😍

📍On the 6th year your child will receive a 𝗚𝘂𝗮𝗿𝗮𝗻𝘁𝗲𝗲𝗱 𝗖𝗮𝘀𝗵 𝗣𝗮𝘆 𝗢𝘂𝘁 𝘆𝗲𝗮𝗿𝗹𝘆 from PRU till age 100 😱

📍Your child is also Eligible for 𝗔𝗻𝗻𝘂𝗮𝗹 𝗗𝗶𝘃𝗶𝗱𝗲𝗻𝗱𝘀 😉

📍If your child decides to surrender the plan in the future he will get a 𝗚𝘂𝗮𝗿𝗮𝗻𝘁𝗲𝗲𝗱 𝗖𝗮𝘀𝗵 𝗩𝗮𝗹𝘂𝗲 🥰

Again........ 𝑮𝑼𝑨𝑹𝑨𝑵𝑻𝑬𝑬𝑫!!
Lifetime Benefits for your child! Get it now!!

𝑺𝒆𝒏𝒅 𝒎𝒆 𝒂 𝒎𝒆𝒔𝒔𝒂𝒈𝒆 𝒇𝒐𝒓 𝒂 𝑷𝒓𝒐𝒑𝒐𝒔𝒂𝒍!

Done with the 2024 Annual Compliance Refresher Course. 😊😊

As a Financial Consultant/Life Insurance Agent, we should observe and comply with the provisions of the Insurance Code, all present and future policies of Pru Life UK not otherwise applicable to its employees, the regulations of Insurance Commission (IC), Securities and Exchange Commission (SEC), Anti-Money Laundering Council (AMLC), and other government regulatory agencies, and policies adopted and implemented by the Philippine Life Insurance Association (PLIA).

It's a very long working weekend for me. ☺️ ☺️
It's sooo nice to SEA you! 🌊🌊
Still at your service on a holidays! 🥰😍

Doing after-sales requests of my clients.

To all my existing and future clients, hoping you appreciate the value of Life insurance. =) =)

YOU SHOULD KNOW THIS!!!

Bakit nga ba hindi refundable ang binayad mo na premium sa insurance policy(V.U.L.* or term insurance) mo?**

Scenario:
Friend 1: Gipit ako ngayon. Stop na ako. Pwede ko ba makuha lahat ng dineposit ko? (After paying his regular-pay VUL for a few months)

Friend 2: Bakit? Kapag nag-claim ka ng coverage for death or sickness, pwede ba bawiin ng insurance company?

Hehe! Joking aside, bakit nga ba usually walang nakukuha kapag a few months old pa lang ang policy mo?

1.) It's not a bank deposit account.
A regular-pay VUL policy po is NOT a bank deposit account, where you can "park" your money and withdraw whenever you want. It is a protection contract between a client and an insurance company. Hindi sya fair for the insurance company kasi ang laking risk ang tinataya nila. Milyones ang kapalit ng binabayad mong premium. The only time na may makukuha ka po from your policy is kapag may kita na from your investment (fund value), which is only possible kapag matagal na ang policy (at least 5 years).

2.) It's like hiring the services of a bodyguard.
Think of a VUL policy as your BODYGUARD. Regardless po kung may mangyari sa iyo o wala, kailangan nyo po sya sweldohan, kasi you were protected during the time na ni-hire nyo sya. Plain and simple.

3.) You are buying an asset.
Sa insurance or VUL po kasi, you are basically buying an asset with the choice to do it by "installment." Example, you are buying 1M coverage for 3k a month. If you were saving sa bank, it will take you nearly 30 years bago yan makumpleto. Pero sa insurance, agad-agad. Ownership was effective since Day 1 (for as long as you keep paying your premium). Same with buying a house. If you stop paying for the mortgage, wala kang makukuha. Hindi mo pwede bawiin ang downpayment mo. At lalong di mo rin magiging pagmamay-ari yung property kahit partially paid na. Subject for foreclosure.

Kaya for as long as binabayaran mo ang premium mo, mananatili ang promise ng insurance company to give that big amount if something bad happens to you. Once you stop, the company will also stop. Ang delikado dyan is kung may mangyari sa yo at cancelled na ang policy mo, hindi ka talaga maka-cover.

Kaya if I were you, continue mo lang no matter what. I understand mahirap situation nyo now pero di hamak na mas mahihirapan kayo pag ang magka-emergency ay ikaw mismo at sumabay ka to an already existing financial problem. Tandaan mo, maraming pwedeng mangyari sa isang minuto at hindi ka dun exempted. Even in your sleep, something could happen.

Ctto

Let's talk about saving....

Message me for more details. 😊😊