PRIMA by Daisy Laurente, LFA

We are once again a Q2 Podium Contender! 🎖️

Thank you, AIA Philippines, for recognizing our contribution and for having Premier The Samgyupsal Davao exclusive for us in this celebration ✨

To my dearest clients, thank you for allowing me to journey with you. With your trust, AIA Philippines has recognized my contributions in Q2 of 2024.

To more Filipino families saved! ♥️ with

Investing in Your Health = Investing in Your Future ⏳

Get your HMO coverage with AIA Medicard for as low as Php 10,739 annually!

Message me to apply 📩

Mabigat na topic, pero kailangan pag-usapan.

Breadwinner ka rin ba? May mga umaasa ba sayo? May binubuhay ka ba?

If yes, ito yung kailangan mong pag-isipan:

1. How much insurance coverage do I need to cover my family's needs and lifestyle in the next 5-10 years?

Kaya ganyan dapat ang iniisip kasi ganito yan.

Kunwari, yung family monthly expense natin ay Php 35,000. Kung titingnan natin, sa isang taon, that's Php 420,000 expense.

Php 420,000 x 5 years = Php 2,100,000 (total expense for the next 5 years)

So, kailangan ng pamilya natin ng atleast Php 2,100,000 para masurvive nila ang bills at expenses on the next 5 years. Di pa kasali diyan ang possible inflation rate.

This means, you need at least a total of Php 2,100,000 insurance coverage to make sure di mahihirapan dependents mo in the next 5 years kung sakaling mawala tayo.

Wanna take it to another notch?

Multiply your annual income to 5 years. Para kung sakali, magka loss of life, nagsilbing andyan ka since yung sahod mo na good for 5 years, binigay mo sa pamilya mo sa pamamagitan ng insurance. By then, sana dahan-dahan sila maka adjust at di ma-destabilize ang takbo ng pamumuhay.

Ganun mo sila ka-mahal.

Sabi nga nila, the greatest manifestation of love and responsibility is buying a life insurance as a gift to your family.

Kailangan mo pa ng tulong? Huwag mahiya magmessage. Let's be friends. Tulungan kita sa mga plano mo. I got you. 😊

Advisor of Choice,
Daisy

"Gusto ko ng insurance na fixed premium, at the same time, malaki na rin ang coverage, tapos budget friendly na rin."

"Kung sakali nadiagnoses ako ng sakit, may makukuha ako sa insurance ko. May ganyan ba?"

Syempre, meron!

Pero bago yan, alamin muna natin ano ba itong "critical illness insurance?

To simplify, critical illness insurance is an insurance plan designed to give you a lumpsum fund kung sakali magkaroon tayo ng critical illness. Di naman sa pinagdadasal natin mangyari. Pero ganito nalang, anwer this in your mind.

May kakilala ka ba na nadiagnose ng cancer, heart attack, o di kaya stroke?

Yung diagnosis ba yun biglaan?

Naging mahirap ba emotionally or financially sa kakilala mo o sa pamilya niya yung nangyari?

Kung sakali, may lumapit sa kanila tapos nag alok ng pera sabay sabi, "oh eto, gamitin niyo 'tong pera kung saan man kinakailangan sa ngayon". Tingin mo makakatulong yun?

Yan ang trabaho ng critical illness insurance.

Isa pang tanong,

Ikaw ba? Magkano ba ang kailangan mo para mabayaran lahat ng expenses mo in 3 months?

Kung sakaling may biglang mangyari sayo, paano mo kaya babayaran yung bills at expenses mo?

I'll let you think about that for a while.

Segue: If you want to learn more about insurance in simple terms, follow my page for more conversations like this.

Okay, balik tayo doon sa tanong ko,

If you have the answer already, and you want to know your options and change your narrative, you can message me. Explain ko sayo. Let's be friends 😊

Advisor of Choice,
Daisy

"Anong insurance ba bagay sa akin? What if ma-confuse nalang ako forever sa kung anong insurance ang para saken?"

Wag ma-confuse. Hindi 'to situationship, so bawal ma-confuse. Let's simplify insurance!

Now that you know what to consider when buying life insurance, it's time you understand what are the different types of insurance.

Breakdown natin isa-isa.

1. Term Insurance - ito yung insurance na renewable lang. pwedeng one year, every 5 years, 10 years or 20 years. hangga't sa gusto mo. charez 😆. kidding aside, si "term insurance", ito yung type of insurance na pwede mo lang i-renew kung trip mo pa (backburner lang ang peg 🤧) pero take note: nagbabago premiums nito. habang tumatanda ka, tumataas ang premium. bakit? dahil tumataas din potential risk mo every renewal mo.

2. Whole Life Insurance - ito naman si whole life insurance, insured ka hanggang forever. you heard that right. dito may forever. you will be insured for the rest of your life (til age 100). tapos dito, di tumataas premium. kung magkano binayaran mo mula nung kinuha mo ang plan, ganun lang talaga siya hanggang sa matapos kang magbayad for it. so, kung maaga kang kumuha, mas mura pa ang premium and even after 10 years, same premium lang.

3. VUL - maraming kumukuha nito kasi may investment option siya. meaning, part of what you're paying, hinuhulog sa investments. kaso may heads up to dapat: di guaranteed ang investments, so pwedeng may gains, pwede rin may loss. madami din dapat kailangan tingnan sa ganitong klase ng insurance. di ko na ma-isa isa dito, gawa nalang ako ibang materials for it. if gusto niyo malaman agad, message me para personally ko nalang i-explain sa inyo. i gotchu.

So tanong, which is best?

To be honest, depende yan sa apat na factors din:
1. Priorities - ano ba priorities mo ngayon?
2. Needs - ano ba pinaka kailangan mo ngayon?
3.Budget Allocation - honestly, magkano lang ang kaya? wag pilitin kung hindi pasok sa budget.
4. Potential Risk - may medical history ba? or existing medical conditions? importante din ito sa pag-assess.

Kaya, importante kumakausap ng expert para mas guided ang decision-making. Follow my page and let's be friends here 😊

Now, if you trust me that I can expertly guide you through it, you can just send me a message so I can explain it further 📩

Advisor of Choice,
Daisy

Salamin, Salamin, Nasan ang Pag-ibig?

Nasa Insurance Beneficiary List ☺️🫶

I know some of you may be bombarded with ads about insurance.

But really, how do you make sure you're making the right decision?

There are actually just 5 essential things you need to consider before buying life insurance.

1. Assess your life insurance goals.
2. Understand the types of life insurance.
3. Determine your budget for premiums.
4. Review policy riders.
5. Review the fine print with an expert.

All these are briefly explained in this AIA PH article: https://tinyurl.com/5EssentialConsiderations

Happy to be one of AIA Philippines' Ambassadress!

77 years strong. Credible. Stable.

Since 1947, our journey to help Filipinos live Healthier, Longer, and Better Lives, started as Philam Life.​
​
Today as AIA, we stand stronger than ever in that promise.​

Each milestone is a testament to the hard work and dedication of our employees, agents, and partners, filled with countless shared memories and victories!

Do you like the freedom of choosing and creating your own plan? What if I tell you there's a way for you to take charge of your own insurance policies?

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Sample quotation below:
26 year-old, Female
Preferred Coverage:

☑️Life Insurance (Php 1,000,000 coverage)
☑️Critical Illness (Php 500,000 coverage)
☑️HMO (Php 500,000 coverage every year)
☑️Hospital Income Benefit (Php 1,000 per day of confinement)

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What are you waiting for? Now is the right time. Create your own insurance policy with AIA Philippines.

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Congratulations, Q1 Podium Finishers! 🎖️ This is a testament of hardwork & heartwork. Big thanks to my family, my industry leaders, my teammates, and my dearest clients! ♥️

As AIA Philippines acquired Medicard last year, our array of services just got even more comprehensive.

Here's RxER Health Package that you need! For as low as ₱1,998.00 you can now avail of this services.

Message me to know more 📨