Bisaya Financial Advisor

𝗞𝗮𝗽𝗮𝗴 𝗻𝗮𝗴𝗸𝗮𝘀𝗮𝗸𝗶𝘁 𝗸𝗮? 𝗞𝗮𝗻𝗶𝗻𝗼 𝗺𝗼 𝗴𝘂𝘀𝘁𝗼 𝗺𝗮𝗻𝗴𝗮𝘆𝗼 𝘂𝗴 𝘁𝗮𝗯𝗮𝗻𝗴?

Sa government?
Sa friends?
Sa family and relatives?

𝙊𝙧 𝙬𝙤𝙪𝙡𝙙 𝙮𝙤𝙪 𝙧𝙖𝙩𝙝𝙚𝙧 𝙗𝙚 𝙥𝙧𝙚𝙥𝙖𝙧𝙚𝙙 𝙚𝙣𝙤𝙪𝙜𝙝 𝙩𝙤 𝙩𝙖𝙠𝙚 𝙘𝙖𝙧𝙚 𝙤𝙛 𝙮𝙤𝙪𝙧𝙨𝙚𝙡𝙛?

Because when life gets hard, we can't always expect other people to carry our financial burden. Naa sab na silay own bills, responsibilities, and problems.

Mao nang while healthy pa ta, while we’re still earning, and while we still have the chance to prepare, let’s make decisions today that our future self will thank us for.

𝙄𝙢𝙖𝙜𝙞𝙣𝙚 𝙜𝙚𝙩𝙩𝙞𝙣𝙜 𝙨𝙞𝙘𝙠 𝙨𝙤𝙢𝙚𝙙𝙖𝙮 𝙖𝙣𝙙 𝙗𝙚𝙞𝙣𝙜 𝙖𝙗𝙡𝙚 𝙩𝙤 𝙨𝙖𝙮:

“𝗢𝗸𝗮𝘆 𝗿𝗮, 𝗻𝗮𝗮 𝗺𝗮𝗻 𝗸𝗼𝘆 2 𝗠𝗶𝗹𝗹𝗶𝗼𝗻 𝗖𝗿𝗶𝘁𝗶𝗰𝗮𝗹 𝗜𝗹𝗹𝗻𝗲𝘀𝘀 𝗣𝗹𝗮𝗻.”

Because at the end of the day, 𝘁𝗵𝗲 𝗼𝗻𝗹𝘆 𝗽𝗲𝗿𝘀𝗼𝗻 𝘄𝗵𝗼 𝘄𝗶𝗹𝗹 𝘁𝗮𝗸𝗲 𝗰𝗮𝗿𝗲 𝗼𝗳 𝘆𝗼𝘂𝗿 𝗳𝘂𝘁𝘂𝗿𝗲 𝘀𝗲𝗹𝗳 𝗶𝘀 𝗬𝗢𝗨. 💚

Get insured while you can. 🤞✊

Need an extra source of income without giving up your current job? 👀

We’re looking for 𝗽𝗮𝗿𝘁-𝘁𝗶𝗺𝗲 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗔𝗱𝘃𝗶𝘀𝗼𝗿𝘀 who want to earn more while helping families build a secure future. 💚

Curious? Send me a message for a 30-minute explanatory talk. Let’s see if this opportunity is the right fit for you.

𝗡𝗴𝗮𝗻𝗼 𝗸𝗶𝗻𝗮𝗵𝗮𝗻𝗴𝗹𝗮𝗻 𝗶𝗻𝘀𝘂𝗿𝗲𝗱 𝗮𝗻𝗴 𝗺𝗮𝗴-𝗮𝘀𝗮𝘄𝗮?

Simple.
“Dili responsibility sa ubang lalaki/babaye imuha asawa and pamilya” 😂😝

Kidding aside…

Dapat “insured ang mag-asawa” because if something happens to one of them—

whether mawala siya or dili na makatrabaho tungod sa illness or disability—dili man mohunong ang financial responsibilities sa pamilya.

Padayon gihapon ang mortgage or rent, groceries, utilities, children’s education, healthcare expenses, ug daily living costs.

Life goes on —and so the bills. Diba?

𝗠𝗮𝗼 𝗻𝗴𝗮 𝗶𝗱𝗲𝗮𝗹𝗹𝘆, 𝗱𝗶𝗹𝗶 𝗹𝗮𝗻𝗴 𝗱𝗮𝗽𝗮𝘁 𝘂𝘀𝗮 𝗮𝗻𝗴 𝗶𝗻𝘀𝘂𝗿𝗲𝗱.

Both spouses deserve financial protection because each plays an important role in the family.

Kung ang breadwinner ang mawala or dili na makatrabaho, mawala pud ang source of income nga gisaligan sa pamilya.

And if a non-working spouse can no longer fulfill their role, someone else may need to step in—and that can mean additional expenses for the family.

Marriage is a partnership.

And when you’ve built a life together, protecting that life should also be a shared responsibility. 💚

Slow progress is still progress.

𝗸𝗲𝗲𝗽 𝗴𝗼𝗶𝗻𝗴. ✨✊

“𝙅𝙚𝙣, 𝙣𝙜𝙖𝙣𝙤 𝙢𝙖𝙣 𝙡𝙖𝙝𝙞-𝙡𝙖𝙝𝙞 𝙖𝙣𝙜 𝙥𝙧𝙚𝙢𝙞𝙪𝙢𝙨 𝙨𝙖 𝙞𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚?”

Here’s the thing, guys. There are several factors to consider when getting insurance.

Let me break it down for you:

📍𝘼𝙂𝙀 —The younger you are, the lower the premium. That’s why mas maayo gyud mag-start while you’re still young and healthy!

📍𝙃𝙀𝘼𝙇𝙏𝙃 —If you have pre-existing conditions, your premium could go higher. Worst case, ma-decline or ma-postpone imong application. So while wala pa kay ginpamati, pa-insured na!

📍𝙇𝙊𝘾𝘼𝙏𝙄𝙊𝙉 —Where you live and work also matters. Some areas are considered high-risk, mao nang mas taas ang premium.

📍𝙊𝘾𝘾𝙐𝙋𝘼𝙏𝙄𝙊𝙉 —If your job is risky (like police, soldier, or seaman), expect a higher premium. Pero no worries, we can check it for you.

📍𝙁𝘼𝙈𝙄𝙇𝙔 𝙈𝙀𝘿𝙄𝘾𝘼𝙇 𝙃𝙄𝙎𝙏𝙊𝙍𝙔 —If both sides sa imong family have history of critical illness, it can affect your premium too.

📍𝙇𝙄𝙁𝙀𝙎𝙏𝙔𝙇𝙀 —Smoker ka? That could increase your premium. Pero again, we’ll check your options.

📍𝙏𝙀𝙍𝙈 𝙇𝙀𝙉𝙂𝙏𝙃 —Plans can be for 1 year, 5 years, 10 years, or even lifetime. Depende ra sa imong budget and long-term goals.

𝙐𝙂 𝙐𝘽𝘼𝙉 𝙋𝘼!
That’s why it’s important to talk to a 𝙩𝙧𝙪𝙨𝙩𝙚𝙙 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙨𝙤r para ma-guide ka sa right plan for you. 💚

Message me if you want to know what fits you best.

I got you! 😉

Dear Valued Clients,

Please don’t let your life insurance policy lapse.

𝑳𝒊𝒇𝒆 𝒊𝒏𝒔𝒖𝒓𝒂𝒏𝒄𝒆 𝒊𝒔 𝒂 𝒑𝒓𝒊𝒗𝒊𝒍e𝒈𝒆.
Dili tanan nga mag-apply automatic ma-approved.

Once your policy is issued, secured ka na ug covered bisan ug unsa pa ang mahitabo.

Remember:
Walay benefits ang lapsed policy.
𝗔𝗺𝗼𝗻𝗴 𝗮𝗹𝗹 𝗼𝘂𝗿 𝗺𝗼𝗻𝘁𝗵𝗹𝘆 𝗯𝗶𝗹𝗹𝘀, 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗶𝘀 𝘁𝗵𝗲 𝗼𝗻𝗹𝘆 𝗼𝗻𝗲 𝘁𝗵𝗮𝘁 𝘁𝗿𝘂𝗹𝘆 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝘀 𝘆𝗼𝘂 𝗮𝗻𝗱 𝘆𝗼𝘂𝗿 𝗳𝗮𝗺𝗶𝗹𝘆.

A lapsed policy is a broken promise sa imong self ug sa imong mga mahal sa kinabuhi.

Keep it active.

Stay insured. ✊

𝗪𝗵𝘆 𝗱𝗼𝗲𝘀 𝗰𝗮𝗿 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗲𝘅𝗶𝘀𝘁?

It’s there to ease the financial burden when something unexpected happens —like repairs or accidents.

Life and health insurance exist for the same reason:

𝙏𝙤 𝙥𝙧𝙤𝙩𝙚𝙘𝙩 𝙮𝙤𝙪 𝙖𝙣𝙙 𝙮𝙤𝙪𝙧 𝙛𝙖𝙢𝙞𝙡𝙮
𝙛𝙧𝙤𝙢 𝙪𝙣𝙚𝙭𝙥𝙚𝙘𝙩𝙚𝙙 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙗𝙪𝙧𝙙𝙚𝙣𝙨.

But the difference is,

a car can be repaired or replaced.

Ikaw, 𝙙𝙞𝙡𝙞.

Mahal magkasakit,
and one hospital stay can wipe out your entire savings.

That’s why your life and health deserve even more protection. ✊💚

I often hear this from people:

"𝘿𝙞𝙡𝙞 𝙪𝙨𝙖 𝙠𝙤 𝙢𝙖𝙜𝙥𝙖-𝙞𝙣𝙨𝙪𝙧𝙚𝙙 𝙠𝙖𝙮 𝙢𝙖𝙝𝙖𝙡 𝙢𝙖𝙣 𝙜𝙪𝙙."

"Dili ko maka-afford."

They think insurance is expensive.

But here's the thing...

If for you, 𝗣𝗛𝗣2,000 - 𝗣𝗛𝗣3,000 𝗮 𝗺𝗼𝗻𝘁𝗵 𝗮𝗹𝗿𝗲𝗮𝗱𝘆 𝗳𝗲𝗲𝗹𝘀 𝗲𝘅𝗽𝗲𝗻𝘀𝗶𝘃𝗲...

How much more if you suddenly face a P100,000 to
P1,000,000 hospital bill?

Just one accident.
One illness.
One unexpected diagnosis.

𝗕𝗶𝘀𝗮𝗻 𝘂𝗴 𝗻𝗮𝗮 𝗸𝗮𝘆 𝘀𝗮𝘃𝗶𝗻𝗴𝘀,
𝗱𝗮𝗹𝗶 𝗿𝗮 𝗴𝘆𝘂𝗱 𝗻𝗮 𝗺𝗮𝗵𝘂𝗿𝗼𝘁
𝘄𝗵𝗲𝗻 𝗺𝗲𝗱𝗶𝗰𝗮𝗹 𝗲𝘅𝗽𝗲𝗻𝘀𝗲𝘀 𝗰𝗼𝗺𝗲 𝗶𝗻 𝘂𝗻𝗲𝘅𝗽𝗲𝗰𝘁𝗲𝗱𝗹𝘆.

That's why financial protection like life and health
insurance exists. ✨

Not because we expect the worst...

But because 𝗯𝗲𝗶𝗻𝗴 𝘂𝗻𝗽𝗿𝗲𝗽𝗮𝗿𝗲𝗱 𝗰𝗮𝗻 𝗰𝗼𝘀𝘁 𝗳𝗮𝗿 𝗺𝗼𝗿𝗲.

So maybe the real question is not:

"Can I afford insurance?"

But instead:

"If something happens,
can my finances survive without it?"

Client:
“I already have a company HMO, so I guess I don’t really need any additional insurance.”

Okay ✅

But here’s the thing:

A company HMO covers you only 𝘄𝗵𝗶𝗹𝗲 𝘆𝗼𝘂´𝗿𝗲 𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗱.

𝗕𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝗺𝗮𝘆 𝗯𝗲 𝗹𝗶𝗺𝗶𝘁𝗲𝗱 for serious illnesses or accidents.

Once you change jobs or retire, the 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲 𝗲𝗻𝗱𝘀.

Unless naa kay plano mag-work forever sa inyuha company, it’s worth thinking twice. 😌

𝗛𝗮𝘃𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗼𝘄𝗻 𝗹𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗽𝗼𝗹𝗶𝗰𝘆 𝗶𝘀 𝗮 𝘄𝗵𝗼𝗹𝗲 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝗹𝗲𝘃𝗲𝗹 𝗼𝗳 𝘀𝗲𝗰𝘂𝗿𝗶𝘁𝘆. ✊

Imagine if something serious happens and dili na ikaw covered because you resigned or changed jobs?

Unsa kaha pwedi mahitabo?

Think of your HMO as short-term support,
and life insurance as long-term protection.✨