Cristy Apurado•Financial Consultancy- Christ TY On Your Pru Life Journey

𝐘𝐨𝐮𝐫 𝐧𝐚𝐦𝐞 𝐥𝐨𝐨𝐤𝐬 𝐛𝐞𝐭𝐭𝐞𝐫 𝐰𝐢𝐭𝐡 “𝐌𝐃𝐑𝐓 𝐐𝐮𝐚𝐥𝐢𝐟𝐢𝐞𝐫“ 𝐧𝐞𝐱𝐭 𝐭𝐨 𝐢𝐭.


That thought alone fuels me. ❤️‍🔥

I had the privilege of attending our Q2 Family Meeting at Ignite Global Summit LIA, and it was more than just a gathering—it was a wake-up call.

Our speaker, a neurologist, shared real client stories that hit hard. In just a moment, a critical illness can change everything—physically, emotionally, and financially. One of the harshest realities? The overwhelming burden of hospital bills that can break even the strongest families.

It reminded me why I do what I do.

Insurance isn’t just a product—it’s protection, security, and love in action. It’s about making sure our families can continue the life we’ve worked so hard to build, even when we’re no longer around.

Grateful for moments like this that realign our purpose. And even more grateful to be part of a team that values not just growth, but family—where even our kids are welcomed and celebrated. ❤️‍🔥

Thank you to our BM and UMs for creating such a meaningful experience.✨

𝐀𝐧𝐨𝐧𝐠 𝐦𝐚𝐬 𝐦𝐚𝐡𝐚𝐥: Ang 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐏𝐫𝐞𝐦𝐢𝐮𝐦 o ang 𝐇𝐨𝐬𝐩𝐢𝐭𝐚𝐥 𝐁𝐢𝐥𝐥? 🏥 Bill check tayo today!

Minsan, ang lakas nating magsabi ng 'Ayoko niyan, dagdag gastos lang 'yan.' Pero pagdating sa usapang kalusugan, doon natin nare-realize na ang pinaka-mahal na bill ay yung hindi natin napag-handaan. 📉💊

𝐀 𝐬𝐢𝐧𝐠𝐥𝐞 𝐜𝐫𝐢𝐭𝐢𝐜𝐚𝐥 𝐢𝐥𝐥𝐧𝐞𝐬𝐬—𝐥𝐢𝐤𝐞 𝐜𝐚𝐧𝐜𝐞𝐫, 𝐬𝐭𝐫𝐨𝐤𝐞, 𝐨𝐫 𝐡𝐞𝐚𝐫𝐭 𝐚𝐭𝐭𝐚𝐜𝐤—𝐜𝐚𝐧 𝐰𝐢𝐩𝐞 𝐨𝐮𝐭 𝐲𝐞𝐚𝐫𝐬 𝐨𝐟 𝐬𝐚𝐯𝐢𝐧𝐠𝐬 𝐚𝐧𝐝 𝐡𝐚𝐫𝐝 𝐰𝐨𝐫𝐤 𝐢𝐧 𝐣𝐮𝐬𝐭 𝐚 𝐟𝐞𝐰 𝐦𝐨𝐧𝐭𝐡𝐬. 🛑

𝐂𝐫𝐢𝐭𝐢𝐜𝐚𝐥 𝐈𝐥𝐥𝐧𝐞𝐬𝐬 𝐏𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧 is not just about paying the doctors. It’s about:
✅ Replacing your income while you recover.
✅ Giving you the freedom to choose the best treatment.
✅ Ensuring your family's lifestyle doesn't change while you're fighting for your health. 🛡️✨

Your health is your greatest wealth. Huwag hayaang isang hospital bill lang ang tatalo sa lahat ng pinag-ipunan mo. 🕊️🙌

Let's check if your health fund is enough for any 'Big C' or 'Big S' today! 📲💻

Lifetime nga ba magbabayad sa insurance?
It depends sa type ng insurance at sa terms nito.

Explain ko muna nang mabilis yung 4 structures ng insurance.
Term insurance, VUL, Whole Life, Endowment.

Term Insurance - Traditional type, pay as you use. Pwede ka macover hanggang limited years lang, hindi hanggang 100 years old. And you have to pay them always. If want mo macover until 60 years old, pay the premiums until 60 years old.

VUL - Insurance with investment components. You pay the premiums, kaltasan ng charges, may maiiwang fund value. Which in turn, this fund value will cover the future charges. Insured ka normally hanggang age 100, and if you want macover until that time, you have to maintain paying the charges.

Whole Life - Insured ka habambuhay, until age 100. The charges will be compressed and you have to pay them normally ng 5,10,15,20 years. Ang tawag dyan, limited-pay Whole Life Insurance. May Cash value, dividends, payout.

Endowment - Insured ka for a limited period like 20 years. Then you can pay it in 5 or 10 years. May Cash value, dividends, payout.

Ituro ko na rin yung payment terms. Merong 3 types.
Single pay, Limited pay, Regular pay.

Tumutukoy ito sa PREMIUM PAYMENT PERIOD.
Paano mo babayaran or huhulugan ang premiums.

Single pay - one time hulugan
Limited pay - 5,7,10,15,20 years to pay
Regular pay - designed bayaran until maturity (end of coverage)

So ang kumpletong tawag sa mga plans,
Payment terms + Insurance type

Sample:
Limited-pay VUL
Regular-pay Whole Life Plan
Limited-pay Endowment

Next mong need maintindihan ay ang pinagkaiba ng PREMIUM at CHARGES

Premium – Ito yung hinuhulog mo
Charges – ito yung kinakaltas sayo

So usually, kapag nagtatanong ang clients, gaano katagal bayaran, premiums ang tinutukoy nila
Pero dapat kapag ineexplain ito sa clients, alam rin nila ang charges

Sample.

Term insurance. You pay premiums hanggat gusto mong macover. Yung premiums na yun, kakaltasan yun ng charges (admin charge, insurance charge). Ang ending = 0. Wala. Walang fund value, cash value. Walang matitira sa hulog mo.

VUL. You pay premiums. Papasok ito sa company, kakaltasan ng charges, maiiwan sa fund value.
Parang coffee card, naglagay ka ng 500 pesos per day, nagkape ka ng 200 pesos. May maiiwan.

Since magkaiba ang Premiums at charges, need itong maintindihan ng clients.

Sample, VUL plan ang kinuha mo. Limited-pay VUL. 10 years to pay VUL.
Anong meaning nyan?
10 years ang premium payment terms.
Next mong tanong, hanggang anong age ka ba covered nyan? 100 years old daw. So maturity period or benefit period is up to 100 years old.

Tanong: Ang 10 years VUL ba, 10 years to pay lang Talaga?
Hindi. Bakit? Kasi ang premiums, oo, 10 years to pay. Pero ang charges, lifetime until maturity benefit (100 years old).

After 10 years, may fund value ka. Duty nyan is maging insurance fund mo. If it can sustain the charges, buhay ang insurance mo. If not, terminated na ang insurance mo.

Why? Because you can no longer pay the charges.

Same sa term insurance, if you can no longer sustain the charges, terminated ang policy.

So hindi ko masasabi kung until when ka magbabayad ng premium. If you look at the contract, follow it. If 10 years to pay, bayaran for 10 years pero please understand na you have to maintain the charges. You have to “pay” the charges.

Ang frustrations nito is marami ring clients na ayaw magbayad ng charges until lifetime.
If you want that, get a traditional whole life plan. Compressed na yung charges until lifetime. So parang inadvance mo na ng bayad. Kaya mas malaki agad ang premium payments nyan.

Kaya mapapansin nyo na ang term insurance, mura sa simula ang premiums.
Kaya ang VUL, mas malaki ang premiums kasi may iniiwan na fund value to pay for future premiums.

It is a matter of how you want to pay your entire charges.

So if you have 10-years to pay VUL, how to know hanggang kelan ka magbabayad.
1. Monitor your fund value always. Pag paubos na, magtop up.
2. Check the fund transaction history to see how much are the actual charges na kinakaltas so you can estimate future charges. Para magtira sa fund value ng enough to cover the charges.

𝐂𝐓𝐓𝐎

✨ 𝗪𝗵𝘆 𝗖𝗵𝗼𝗼𝘀𝗲 𝗣𝗥𝗨𝗠𝗶𝗹𝗹𝗶𝗼𝗻 𝗣𝗿𝗼𝘁𝗲𝗰𝘁 (PMP) ?
Pru Life UK Newest Product Launched 🛡️📈

1️⃣ 2-𝙔𝙚𝙖𝙧 𝙋𝙖𝙮 𝙋𝙡𝙖𝙣
Magbayad ka lang for 2 years, pero enjoy long-term insurance protection plus potential fund growth.

👨‍👩‍👧 𝙇𝙚𝙜𝙖𝙘𝙮 𝙛𝙤𝙧 𝙔𝙤𝙪𝙧 𝙇𝙤𝙫𝙚𝙙 𝙊𝙣𝙚𝙨
May strong life insurance coverage para secured ang future ng family mo kahit anong mangyari.

💰 𝙎𝙤𝙪𝙧𝙘𝙚 𝙤𝙛 𝙁𝙪𝙣𝙙𝙨 𝙛𝙤𝙧 𝙀𝙢𝙚𝙧𝙜𝙚𝙣𝙘𝙮
May built-in fund value na pwede mong maging financial backup in case of emergencies.

♿ 𝙍𝙚𝙖𝙙𝙮 𝙁𝙪𝙣𝙙 𝙞𝙣 𝘾𝙖𝙨𝙚 𝙤𝙛 𝘿𝙞𝙨𝙖𝙗𝙞𝙡𝙞𝙩𝙮
May financial support ka kung sakaling magkaroon ng disability.

🛡️ 𝘼𝙙𝙙𝙞𝙩𝙞𝙤𝙣𝙖𝙡 𝙋𝙧𝙤𝙩𝙚𝙘𝙩𝙞𝙤𝙣 𝙛𝙤𝙧 𝘼𝙘𝙘𝙞𝙙𝙚𝙣𝙩𝙨
May have extra benefits for accidental death or disability for added peace of mind.

🎁 𝙀𝙭𝙩𝙧𝙖 𝙍𝙚𝙬𝙖𝙧𝙙𝙨 𝙛𝙤𝙧 𝙎𝙩𝙖𝙮𝙞𝙣𝙜 𝙊𝙣
May additional rewards/bonuses kapag minaintain mo ang policy long-term.

📈 𝙇𝙤𝙣𝙜-𝙏𝙚𝙧𝙢 𝙂𝙖𝙞𝙣𝙨 𝙋𝙤𝙩𝙚𝙣𝙩𝙞𝙖𝙡
Short-pay plan siya pero designed to help grow your wealth over time through projected fund values.

✨ 𝗣𝗥𝗨𝗠𝗶𝗹𝗹𝗶𝗼𝗻 𝗣𝗿𝗼𝘁𝗲𝗰𝘁 = 𝗦𝗵𝗼𝗿𝘁-𝗽𝗮𝘆 𝗽𝗹𝗮𝗻 + 𝗟𝗼𝗻𝗴-𝘁𝗲𝗿𝗺 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻 + 𝗪𝗲𝗮𝗹𝘁𝗵-𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝗼𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝘆.

Message us now for your FREE quote! 🥰

𝐒𝐖𝐄𝐋𝐃𝐎 𝐃𝐀𝐘 • 𝐒𝐖𝐄𝐋𝐃𝐎 𝐖𝐄𝐄𝐊

But most especially IPON-DAY
Make sure to pay yourself first this payday. Your hard-earned money should be invested & protected as well.

Looking for a disciplined savings account with critical illness insurance plan or an investment program for your future?

Usap tayo via zoom or over coffee?

This is worth sharing.

Not just for kids.

Let’s be real… even adults get confused about taxes sometimes 😅

But this explains it in such a simple way,
you’ll finally go, “Ahh, okay. Now I get it.”

𝗡𝗲𝘄 𝗣𝗿𝗼𝗱𝘂𝗰𝘁 𝗔𝗹𝗲𝗿𝘁! 🚨
is here! ✨

Our newest 2-year pay investment-linked plan, launched last Feb 16.

It comes with 500% Life Insurance, Loyalty Bonus every 5 years after the 10th year, and extra cash for accidents and disability!

PLUS, no hassle on medical exams! 😎💪

Let’s protect what matters most!

Protect your family's legacy! Don't let estate taxes take more than they should. Plan ahead and secure your wealth for future generations. 🫶

Talk to your trusted financial advisor today 📲

5 𝙧𝙚𝙖𝙨𝙤𝙣𝙨 𝙬𝙝𝙮 𝙮𝙤𝙪 𝙨𝙝𝙤𝙪𝙡𝙙 𝙉𝙊𝙏 𝙜𝙚𝙩 𝙖 𝙡𝙞𝙛𝙚 𝙞𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚:

1. No 𝐨𝐧𝐞 is 𝐝𝐞𝐩𝐞𝐧𝐝𝐞𝐧𝐭 on you financially.
2. You'll 𝐧𝐞𝐯𝐞𝐫 get 𝐬𝐢𝐜𝐤.
3. You can work 𝐟𝐨𝐫𝐞𝐯𝐞𝐫.
4. You are 𝐢𝐦𝐦𝐨𝐫𝐭𝐚𝐥.
5. You're 𝐧𝐨𝐭 the 𝐛𝐫𝐞𝐚𝐝𝐰𝐢𝐧𝐧𝐞𝐫.

However, if those reasons do not apply to you, then it’s a 𝐌𝐔𝐒𝐓 that you own a 𝐋𝐈𝐅𝐄 𝐈𝐍𝐒𝐔𝐑𝐀𝐍𝐂𝐄 𝐏𝐎𝐋𝐈𝐂𝐘.

Allow me to help. Our plans are flexible enough that they can match your goal, budget, and needs. 🙌✨

📣 𝐍𝐄𝐖 𝐏𝐑𝐎𝐃𝐔𝐂𝐓 𝐀𝐋𝐄𝐑𝐓!

𝐏𝐑𝐔𝐌𝐢𝐥𝐥𝐢𝐨𝐧 𝐏𝐫𝐨𝐭𝐞𝐜𝐭: PruMillion Flex for Good — the smarter, stronger way to secure your future.
Enjoy big benefits with a 𝟐-𝐲𝐞𝐚𝐫 𝐩𝐚𝐲 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐩𝐥𝐚𝐧 that stays with you long-term, plus the freedom to enhance your coverage with optional riders.

✨ 𝐖𝐡𝐲 𝐏𝐑𝐔𝐌𝐢𝐥𝐥𝐢𝐨𝐧 𝐏𝐫𝐨𝐭𝐞𝐜𝐭?

Here’s what you get:
✔️ 𝟓𝟎𝟎% 𝐥𝐢𝐟𝐞 𝐜𝐨𝐯𝐞𝐫𝐚𝐠𝐞 𝐛𝐚𝐬𝐞𝐝 on your annual premium
✔️ 𝐄𝐚𝐬𝐲 𝟐-𝐲𝐞𝐚𝐫 pay setup
✔️ Coverage that lasts — 𝐢𝐧𝐬𝐮𝐫𝐞𝐝 𝐮𝐩 𝐭𝐨 𝐚𝐠𝐞 𝟖𝟓
✔️ 𝟗𝟓–𝟗𝟖% 𝐟𝐮𝐧𝐝 𝐚𝐥𝐥𝐨𝐜𝐚𝐭𝐢𝐨𝐧 in the first two years
✔️ Extra 𝐩𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧 𝐛𝐞𝐧𝐞𝐟𝐢𝐭𝐬 for stronger security

Protection that grows with you. Wealth that works for your future.

𝐘𝐨𝐮𝐫 𝐥𝐞𝐠𝐚𝐜𝐲, 𝐟𝐮𝐥𝐥𝐲 𝐬𝐞𝐜𝐮𝐫𝐞𝐝. ✨

𝐏𝐫𝐨𝐬𝐩𝐞𝐫𝐢𝐭𝐲, 𝐩𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧, 𝐚𝐧𝐝 𝐩𝐞𝐚𝐜𝐞 𝐨𝐟 𝐦𝐢𝐧𝐝 — wishing all my valued clients a powerful start to the Year of the Horse! 🐎❤️‍🔥

Thank you for trusting me on your financial journey.
Gong Xi Fa Cai! ✨