Prulifeuk Financial Consultant - Che Nieves

💡 “Minumulto na ako ng hindi pa ako insured!” 💡
Marami sa atin ang hindi iniisip ang biglaang gastos sa ospital—hanggang sa dumating ang emergency. 😟 Pero ang totoo, mas nakakatakot ang wala kang insurance kaysa sa multo mismo.

Sa PRULIFE UK, hindi lang proteksyon ang meron ka. May hospital income benefit na tutulong sa’yo kapag kailangan mong ma-confine, kaya hindi mo kailangang mangamba kung saan kukunin ang pambayad. ✅

👉 Imagine this: habang nagpapagaling ka, may kasama kang peace of mind dahil alam mong may tumutulong sa’yo financially.
👉 Hindi lang ikaw ang panatag, pati pamilya mo rin.

Huwag nang hintayin na multuhin ka ng “what ifs.” Start protecting your future today! ✨

📩 Message us now and let’s talk about the right plan for you.

𝐂𝐫𝐢𝐭𝐢𝐜𝐚𝐥 𝐢𝐥𝐥𝐧𝐞𝐬𝐬 𝐜𝐚𝐧 𝐡𝐚𝐩𝐩𝐞𝐧 𝐭𝐨 𝐚𝐧𝐲𝐨𝐧𝐞, 𝐚𝐧𝐲𝐭𝐢𝐦𝐞. 🏥

The real question is: ARE YOU READY?

Like we always say, prevention is better than cure — but when life takes an unexpected turn, being financially prepared makes all the difference. 🙏

With the right Critical Illness coverage, you can worry less about medical expenses and focus more on what truly matters — your recovery and well-being. 🤍

📩 Message me today to learn about your options.

We are here to help you plan and have a better future for your family.

Umaasa kami na mas marami pang Pilipino ang makakadiskubre ng tulong na kayang ibigay ng LIFE INSURANCE!🥰

Enjoy your present, but don’t forget to secure your future. 🫶

Your ₱84/day can go a long way — not just for coffee, but for your protection, investments, and peace of mind.

Let’s talk about how you can start your insurance + investment journey today. ✨

📝 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 𝗤𝗨𝗘𝗦𝗧𝗜𝗢𝗡𝗦 𝗖𝗛𝗘𝗖𝗞𝗟𝗜𝗦𝗧!

Sa mga nag-iisip kung ano ba ang mga need ma-consider sa pagkuha ng insurance, this is FOR YOU!

3 things to check: Company, Agent, Policy.
Format to follow: Problem, Solution, Decision.
General backbone: Goal, Money, Time.

Assuming, ghie nadaanan na naman yang mga yan, gusto ko kasi makilatis 'yung POLICY itself.

Here's a guide for you!

⭐ 𝗣𝗢𝗟𝗜𝗖𝗬-𝗥𝗘𝗟𝗔𝗧𝗘𝗗

✅𝗣𝗼𝗹𝗶𝗰𝘆 𝘁𝘆𝗽𝗲 - pwede yang term insurance, variable insurance (VUL), pwede ring Whole-life plan or endowment.

✅𝗜𝘀𝘀𝘂𝗲 𝗮𝗴𝗲 - ito yung edad na pwedeng ma-insure. Sample 0 to 60. Yung iba pedeng 70. Yung iba pwedeng up to 80.

✅𝗠𝗮𝘁𝘂𝗿𝗶𝘁𝘆 𝗮𝗴𝗲 - ito usually ang term para sa hanggang anong edad ka covered ng life insurance coverage (death benefit). Kung age 100, whole life or VUL yan. Kung specific age, term or endowment yan.

✅𝗣𝗿𝗲𝗺𝗶𝘂𝗺 - magkano ba babayaran mo? Pantay ba ang premium or tumataas every year?

✅𝗣𝗿𝗲𝗺𝗶𝘂𝗺 𝘁𝗲𝗿𝗺 𝗽𝗮𝘆𝗺𝗲𝗻𝘁- may tinatawag na regular-pay (continuous payment), meron ring limited-pay (5, 7, 10, 15, 20 years). Meron ring single-pay. One time lang.

✅𝗠𝗼𝗱𝗲 𝗼𝗳 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 - initial payment and recurring payment. Pwedeng e-wallet, debit card, credit card, check, etc.

✅𝗙𝗿𝗲𝗾𝘂𝗲𝗻𝗰𝘆 𝗼𝗳 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 - monthly, quarterly, semi-annual, annual

✅𝗖𝗼𝗻𝘃𝗲𝗿𝘁𝗶𝗯𝗶𝗹𝗶𝘁𝘆 - pwede ba yan maconvert to a different type of policy? Sample, from term insurance pwede bang maging VUL?

✅𝗥𝗲𝗻𝗲𝘄𝗮𝗯𝗶𝗹𝗶𝘁𝘆 - pwede bang bayaran na lang ulit para diretso ang policy without the need for another application?

✅𝗣𝗼𝗹𝗶𝗰𝘆 𝘁𝗲𝗿𝗺𝗶𝗻𝗮𝘁𝗶𝗼𝗻 - paano or kailan ba mateterminate ang policy? Anong dates ang need tandaan? Paano ba ma-make sure na di materminate ang policy?

✅𝗚𝗿𝗮𝗰𝗲 𝗽𝗲𝗿𝗶𝗼𝗱 - gaano katagal ang palugit sa due date para di agad ma-terminate ang policy.

✅𝗥𝗲𝗶𝗻𝘀𝘁𝗮𝘁𝗲𝗺𝗲𝗻𝘁 𝗽𝗿𝗼𝗰𝗲𝘀𝘀 - kung sakaling materminate, paano mabalik sa in force ang policy?

⭐ 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 𝗖𝗢𝗠𝗣𝗢𝗡𝗘𝗡𝗧-𝗥𝗘𝗟𝗔𝗧𝗘𝗗

✅𝗖𝗼𝗿𝗲 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀 - ano ang mga usual na benefits na pwedeng ilagay? Death benefit, accidental death, disability benefit...

✅𝗥𝗶𝗱𝗲𝗿 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀 - aside sa core benefits, ano pa ang mga pwedeng ilagay? Critical illness, hospitalization, surgical, payor waivers, reimbursements, disability and critical illness waivers, etc.

✅𝗕𝗲𝗻𝗲𝗳𝗶𝘁 𝗶𝘀𝘀𝘂𝗲 𝗮𝗴𝗲 - anong edad ba ang insured para malagay ang mga specific benefits. Sample, critical illness usually 18 years old.

✅𝗕𝗲𝗻𝗲𝗳𝗶𝘁 𝗲𝘅𝗽𝗶𝗿𝗮𝘁𝗶𝗼𝗻 - until what age ba covered ng specific benefit?

✅𝗘𝗳𝗳𝗲𝗰𝘁𝗶𝘃𝗶𝘁𝘆 𝗱𝗮𝘁𝗲 𝗼𝗳 𝗯𝗲𝗻𝗲𝗳𝗶𝘁 - may waiting period pa ba? Or pagkaissue ng policy, in force na ang benefits?

✅𝗜𝗻𝗰𝗹𝘂𝘀𝗶𝗼𝗻𝘀 𝗮𝗻𝗱 𝗲𝘅𝗰𝗹𝘂𝘀𝗶𝗼𝗻𝘀 - sa specific benefits, anong mga sakit or cases ba ang kasama? At alin ang hindi sakop ng benefit?

✅𝗨𝗻𝗱𝗲𝗿𝘄𝗿𝗶𝘁𝗶𝗻𝗴 𝗽𝗿𝗼𝗰𝗲𝘀𝘀 - paano ba maaapprove sa policy application? Ano ang mga makaka-apekto sa pagka-approve nito? Medical history? Occupation? Etc.

✅𝗖𝗹𝗮𝗶𝗺𝘀 𝗿𝗲𝗾𝘂𝗶𝗿𝗲𝗺𝗲𝗻𝘁𝘀 - kung sakali magclaim, ano ang proseso? Paano simulan? Sino mag-aasikaso? Kanino ipapasa? Anong documents ang need?

⭐ 𝗜𝗡𝗩𝗘𝗦𝗧𝗠𝗘𝗡𝗧 𝗖𝗢𝗠𝗣𝗢𝗡𝗘𝗡𝗧-𝗥𝗘𝗟𝗔𝗧𝗘𝗗

✅𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗴𝘂𝗮𝗿𝗮𝗻𝘁𝗲𝗲𝘀 - ang investment ba ay guaranteed or unguaranteed?

✅𝗙𝘂𝗻𝗱 𝗮𝗹𝗹𝗼𝗰𝗮𝘁𝗶𝗼𝗻 - sa premiums na ihuhulog ko taon-taon, ilan dyan ang mapupunta sa fund investments?

✅𝗙𝘂𝗻𝗱 𝗼𝗽𝘁𝗶𝗼𝗻𝘀 - ano ba ang pamimilian ko ng funds? Stocks? Bonds? Mixed?

✅𝗙𝘂𝗻𝗱 𝗺𝗮𝗻𝗮𝗴𝗲𝗿 - anong asset management company ang maghahandle ng investments ko?

✅𝗙𝘂𝗻𝗱 𝗽𝗿𝗼𝗷𝗲𝗰𝘁𝗶𝗼𝗻 - I want to check what will happen presumably after 10 years, kung ganito ang market condition? Can you give a ballpark figure?

✅𝗥𝗶𝘀𝗸 𝗽𝗿𝗼𝗳𝗶𝗹𝗲 - anong babagay sakin na fund type? Ako ba ay risk averse? O aggressive?

✅𝗔𝗰𝘁𝘂𝗮𝗹 𝗵𝗶𝘀𝘁𝗼𝗿𝗶𝗰𝗮𝗹 𝗳𝘂𝗻𝗱 𝗽𝗲𝗿𝗳𝗼𝗿𝗺𝗮𝗻𝗰𝗲 - pwede ko ba masilip ano ang past historical performance ng mga funds ninyo?

✅𝗦𝘂𝗿𝗿𝗲𝗻𝗱𝗲𝗿 𝗰𝗵𝗮𝗿𝗴𝗲𝘀 - kung sakali ba magwithdraw ako or tumigil na sa policy, may bawas ba?

✅𝗣𝗿𝗲𝗺𝗶𝘂𝗺 𝗵𝗼𝗹𝗶𝗱𝗮𝘆 𝗰𝗵𝗮𝗿𝗴𝗲𝘀 - kapag ba nagpahinga ako sa pagbabayad ng policy, at gagamitin ko ang fund value pambayad, may charge ba?

✅𝗟𝗼𝘆𝗮𝗹𝘁𝘆 𝗯𝗼𝗻𝘂𝘀𝗲𝘀 - ito yung kapag di ka nagwithdraw or walang mintis ang payment mo, may natatanggap na guaranteed bonus pandagdag sa fund value.

✅𝗣𝗮𝗿𝘁𝗶𝗰𝗶𝗽𝗮𝘁𝗶𝗻𝗴/𝗡𝗼𝗻-𝗽𝗮𝗿𝘁𝗶𝗰𝗶𝗽𝗮𝘁𝗶𝗻𝗴 - kapag participating, it means maaaring makatanggap ka ng bonus o dividend. Kapag non-participating, walang share sa dividends.

✅𝗗𝗶𝘃𝗶𝗱𝗲𝗻𝗱 𝗽𝗮𝘆𝗼𝘂𝘁𝘀 - ito yung share mo sa profits ng company. Unguaranteed ito pero lower risk ito kumpara sa mga equity investments.

✅𝗟𝗼𝗮𝗻 𝗳𝗲𝗮𝘂𝘁𝘂𝗿𝗲 - pwede ka bang magtake ng loan out of your policy?

✅𝗡𝗼𝗻-𝗳𝗼𝗿𝗳𝗲𝗶𝘁𝘂𝗿𝗲 𝗼𝗽𝘁𝗶𝗼𝗻 - kapag ba hindi mo natuloy ang pagbabayad sa whole life plan, may way ba para hindi materminate ito?

✅𝗣𝗿𝗲𝗺𝗶𝘂𝗺 𝗿𝗲𝗱𝗶𝗿𝗲𝗰𝘁𝗶𝗼𝗻/𝗳𝘂𝗻𝗱 𝘀𝘄𝗶𝘁𝗰𝗵𝗶𝗻𝗴- pwede bang palitan ko yung prior fund selected ko? Or pwedeng yung moving forward investments ko, sa ibang fund na ilagay?

✅𝗪𝗶𝘁𝗵𝗱𝗿𝗮𝘄𝗮𝗹 𝗽𝗿𝗼𝗰𝗲𝘀𝘀 - pwede ba akong magwithdraw? From the fund value? Paano ang process? Magkano minimum withdrawal? Mqy maintaining balance ba?

Marami pang iba. Pero sa ngayon, pwede na.
Update na lang rin ako dito kapag may naisip pa. Feel free to message me..

The Magic Pantalon
Sabihin nating kaya mong mag-ipon ng 5,000 monthly.

𝗟𝗲𝗳𝘁 𝗽𝗼𝗰𝗸𝗲𝘁 (Bank) - Php 3,000.00 allotted for savings, emergency fund, short-term goals.

𝗥𝗶𝗴𝗵𝘁 𝗽𝗼𝗰𝗸𝗲𝘁 (Prulife Uk) - Php 2,000.00 allotted for Life Insurance just in case magkasakit ka, ma-ospital, o ma-aksidente. (Bonus: may investment allocation din ito.)

Imagine if sa bank mo lang sini-save yung Php 5,000.00 mo, kapag nagkasakit ka, ubos ang savings mo at madalas kulang pa.

Whereas, if naisipan mong hatiin, you are also entitled to guaranteed protection benefits.

𝙉𝙖𝙬𝙖𝙡𝙖𝙣 𝙠𝙖 𝙗𝙖 𝙣𝙜 𝙥𝙚𝙧𝙖? 𝙃𝙄𝙉𝘿𝙄
Hinati mo lang para when uncertainty happens, di mo magagalaw ang mga pinaghirapan mong ipunin.

That’s the value of Insurance.

Send me a direct message if you need a plan that is right for you.

🤔If you lose your health, what else falls with it?
Your income? Your savings? Your dreams?

We often work hard to build a good life—steady income, a comfortable lifestyle, future plans, and maybe even a few investments. But all of that rests on one fragile foundation: your health.

💡That’s why smart people don’t just invest in assets… they protect them.

Insurance is the block that stands between a health crisis and financial collapse.
It’s the silent protector that ensures your income, savings, and goals stay standing—even when your health takes a hit.

❓So today, ask yourself:
Have you protected the most important piece in your financial puzzle?

✅ It’s time to Rethink.
Start your financial plan today. Message me. 📲

Let's put the payment years in perspective.

Kaya mahaba ang paying years ng Pag-lbig and SSS dahil masmaliit ang cash out nila on a regular basis.

Kaya 10 years ang example dito sa pagbayad ng life insurance dahil na-compress lang ang paying years pero ang intended niyang bayaran ay ang insurance hanggang age 100.

Meron ding life insurance na tuloytuloy ang bayad. Magandang idea ito if you want big coverage and many benefits pero ayaw mo nang malaking cash out every time you pay.

Maganda lang to compare Pag-Ibig, SSS and life insurance to show na magkakaibang serbisyo ang kaya nilang ibigay.

Aangat ang life insurance sa SSS at Pag-Ibig kung iko-compare mo siya sa life insurance dahil ang main purpose ng life insurance is the death benefit.

Iba ang main purpose ng SSS and Pag-lbig.

Kung gusto mo ng pinakamurang solusyon sa malaking gastos pag dumating ang death or critical illness, kumuha ka ng life insurance with critical illness benefit.

Yan ang pinakapoint nitong poster na ito.

Sana ituloy mo pa rin ang pagbayad ng SSS at Pag-lbig dahil meron mga benepisyo jan na hindi kayang ibigay ng kahit anong life insurance plan.

*Photo belongs to the rightful owner.

Health Card (HMO) vs. Health Insurance

Ano ba difference ng HMO sa Health Insurance?9

Did you know?
We need to have both Health Card and Health Insurance. Health card can help with regular medical expenses, while insurance can step in for more serious cases like critical illnesses that could consume your HMO limit.

At kapag dumating ka sa point na gusto mo nang umalis sa company mo, mawala man ang HMO mo, may insurance ka pading sasalo sayo.

You might consider getting a Health Insurance soon!

2025 na! Insured ka na ba?

For only 117 pesos a day, you can start opening an Investment +Insurance Plan with Prulife UK.

5-in-1 Insurance with Investment Plan Where you can have:

✅ Life Insurance
✅ Disability Benefit
✅ Accident Benefit
✅ Critical Illness & Hospitalization Benefit
✅ Investment

Imagine, by just saving P117/day or P3,500/month. You already have millions on your financial portfolio.

You are saving your money, invested in stocks and if something happens you have the Insurance benefits, if you live long you will experience the best retirement ever!

You want to know more? Send me a message and get a sample proposal

SSS VS PRULIFE Insurance 🤔

But why not have BOTH, right?

✅ Your government mandated contributions might not be enough for you to have a comfortable retirement.

✅ Pru Life UK gives comprehensive life and health insurance with investment.

For sure, in the future both of these plans will be reliable in times of difficulty and dire needs.

Let's have a comprehensive understanding about life insurance and how it can change your outlook.

The best time to secure life insurance was yesterday. The next best time is today.

Let us help you get started now.