The Young Investor

The best health protection plan that you can give to your loved ones.

Retirement is your longest holiday. No work, no income but expenses are still present.

Prepare ahead so that you won't need to depend on your children. In that way, your children can also prepare for their retirement and your grandchildren can also prepare for theirs ♥️

Start creating a good cycle in your family.
Let us PLAN your FUTURE as early as NOW.

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Ready for Policy Contract delivery for brighter promise🌞🌞🌞
Congratulations to all my clients for making a bright decision to start something for your future and as provider of your family!

My goal is to secure each breadwinner and responsible family members to have less worries for the future!

Thank you for choosing me as your Lifetime Partner! ✨💖

✨🙋‍♀️

Before you say NO to a Life INsurance policy.......

think your future and your family's future.
Know your priorities.

Get a FREE Quote NOW
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or pm me on my personal fb account
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👩🏻Irene Garcia | Licensed Financial advisor



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TRIVIA:
Variable Universal Life Insurance (VUL) or Mutual fund (MF)

Madami nagtatanung kung ano ba dapat nila unahin kung VUL daw ba or MF. Ano daw ba mas maganda?ano ba yung mas ok unahin?

Magkaibang magkaiba ang VUL at MF.

VUL is INSURANCE with INVESTMENTS while MF is pure investments.

-If you're for short term (5 years) money gain then go with MF (still not guaranteed base padin sa phil market)

-If you're expecting money gain in less than 10 years then dont go with VUL. Pero kung long term naman goal mo like retirement or more than 10 years from now. you can consider VUL.
Priority ng VUL ang insurance at bonus niya ang investment na pwede mo magamit for your retirement or education ng anak mo kung more than 10 years from now,at the same time insured ka pa.

PERO ANO BA DAPAT KONG UNAHIN?

Ganito yan,

Kung susundin natin ang financial pyramid dapat pinakabasic na meron tayo is Life/health insurance.

Bakit? Dahil life uncertainties can happen to anyone.

Scenario. mas inuna ni juan (bread winner) ang kumuha ng pure investments, life uncertainty happens to juan nagkaron ng major critical illness or worst death, ang tendency nito ay possible na withdraw nya pera niya sa investment niya para makatulong sa pagpapagamot.

What if kung may life/health insurance sana siya? possible na hindi niya nagalaw investments niya.

2. Wealth accumulation or investment

Dito na papasok ang pure investments, as long as enough ang life insurance at meron na health insurance. then go with MF para mas maximize ang gain,

Anytime pwede ka makakuha ng MF kahit nagkaron kana ng critical illness or may health issue, while VUL once naunhan ka ng health issue worst case ma decline ka na kahit willing ka magbayad ng million for your insurance,

Again: if you really want for your money to gain in short period of time (5years)then go with mf,but please if ever mag mf kayo do it regularly,wag yung makapag open lang hindi na dagdagan.

Pero kung long term ka naman then gusto mo may taga push sayo to save and gusto mo din may insurance na kasama you can consider VUL. Pareho silang not guaranteed still depends on phil market.

Know your priorities.

Get a FREE Quote NOW
👉🏼 https://www.facebook.com/TheYoungInvestorPH/

or pm me on my personal fb account
👉🏼
https://www.facebook.com/graziey.lasquite
👩🏻Irene Garcia | Licensed Financial advisor

May balak ka ba ngayong bumili ng bahay, condo, o lupa na naka-bank loan o Pagibig Funding at gusto mo pang makatipid at makasulit?

Kung oo, alam mo ba na every loan application, isa sa mga binabayaram mo ay MRI (Mortgage Redemption Insurance) for assurance na di mawawala ang pinag hirapan mong pinundar kung sakaling may mangyari sayo at maputol ang pagbabayad mo. Normally package na un sa loan application mo. Okay na dba?

Eto pa maganda, para maka sulit ka at mas makatipid pwede mong gamitin ang existing insurance mo ngayon. Nakabawas ka pa ng loan application expense!

Marami na kaming clients na nagamit nila ang Sun Life plan nila. Covered na ang loan, meron pang kasamang savings/ hospitalization benefit. Walang tapon. Nakatipid ka na, nakasulit ka pa. 😉

Let me help and guide you. Financial Advisor at your service! 👨🏻‍💻

Did you know that giving love offerings or “Abuloy” to a bereaved family is a good example of risk sharing in a community?

This act of kindness comes in the form of money given to the family who has lost someone to help them with the burial expenses, and in most cases to help them cope financially, especially if they have lost a breadwinner.

Insurance companies operate under the same principle, wherein, they collect premiums from their clients with the objective of helping the community in risk sharing in case of untimely death from its members. The money they collect and manage, are given as benefits to policyholders’ families who experience death in their family to help them move forward and cope with the death of a family member. In most cases, beneficiaries are able to survive with the loss of income from the death of a loved one, and still manage to fulfil their obligations and dreams like keeping their children in school and keep their worldly possessions within the family.

So, if the love offerings will be the last income you will be able to bring to your family when you die, ask yourself; would you like your “abuloy” to come from just family and friends or, would you like it to come from your insurance policy?