PRUfessional Advisor, Ryan P.

"Yes, I regret having a life insurance."







Not because I don't want it but because:

😓 I wish I had it as early as my 18 yrs. Old age.
😫 I wish I had it when I landed my first job.
😞 I wish I knew the benefits of having life insurance earlier.
😤 I wish I knew there is also an investment plan.
😩 I wish I knew that my Family is secured and protected as well.
😖 I wish I knew that insurance will help me manage my finances better.

Life will not wait for you to decide whether you are ready or not. It all depends on your decision today that will change your life in the future.

If you want to start your financial planning and educate yourself on insurance and investments objective, talk to a Financial Advisor today!

Kuya Will: Your Sunlife Financial Advisor

What did I buy this 10.10? My 10th life insurance policy. 🥳

I've been buying life insurance since I was 18. Ang dami laging nag tatanong... bakit?!

Gustong gusto mo na ba mamatay?
Ganun ka ba ka-praning?
Why spend your money on insurance?!

Here's an excerpt from my book, "How to YOLO Wisely":

"While life insurance is meant for the future, for me, life insurance is the best tool to acquire the enjoyment of the present.

Okay, so I’m currently 29 and I have nine [now ten!] life insurance policies. Let’s break some of them down...

📌 Some policies are meant for critical illnesses. This means that if ever I get ill with cancer, heart attacks, major burns, and/or other critical stuff, I have at least Php 10,000,000 to get from all of my policies. Cancer costs a lot! At least I don’t have to pull out money from my savings and investments just to pay for hospital bills. Most importantly, I will never become a financial burden to my family.

📌 All policies have guaranteed death benefits that will go to my parents and my niece just in case something happens to me.

📌 Some of my policies are partly made of investments in bonds and equities (the stock market). Though money growth in these investments is not guaranteed - just like in any other investment vehicle - there is still a chance for me to get money when I need it. No need for me to expect my future children to pay me back for putting a roof over their heads for 18+ years, right?

Well you see, if I’m already prepared for the future, why would I be worried about spending my money in the present?"

This is how you YOLO wisely.

My 10th policy is worth P60,000 a year, and it will give me an additional coverage of Php 3,000,000 just in case I get critically ill and another Php 3,000,000 for my family if ever something happens to me.

Let's say I pass away at age 80...

Php 60,000 x 51 years = P3,060,000.

I can do two things with this Php 60,000:

👉 Religiously save up P60,000 for 51 years and hope I won't get sick so that my savings won't go down the drain.

👉 Put P60,000 in life insurance and let the insurance company pay for my P3,000,000 hospital bills plus Php 3,000,000 death benefit, plus Php 200,000 in other benefits, plus get over P3,000,000 in non guaranteed benefits as well?

If I get sick at 50, I only paid P1,260,000 but I will get P3,000,000 in hospital benefits.

Why would I ever allow my family to get financially involved with my own risks? Ayoko nga. Ayoko na pag nagkasakit ako, madamay pera at ari a***n ng pamilya ko.

This is why I buy policies.

Because really, again: If I’m already prepared for the future, why would I be worried about spending my money in the present?

Worry and anxiety only happens if you're not prepared.

But I am.

As much as I am thanking my 19 year old self now for saving and investing early, I'm 100% sure that my 39 year old self will thank me for protecting her once again.

Now, time to enjoy the present. 💖

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FAQ:

📌 Which companies did you buy from?
Pru Life UK, Manulife, PhilAm, and FWD.

📌 Are you currently paying for all ten?
Nope. 6 are completely paid off (4 one-time payments, 2 5-year payments). 1 will be done in 2 years. 3 (including this new one) will be paid for life.

📌 Do I really need this much?
IT DEPENDS! This one works for ME - but remember that all people have different financial standings, beliefs, and goals. I have this much because of my own beliefs around money, my own plans, and my own skills and privileges. There's no template for this other than knowing exactly where you are and knowing exactly what you want. 🙂

Other than the importance of protecting your money, I think this is another message I want to give you:

There's no ONE exact way of doing things. I don't want to leave you overwhelmed by how much I have. Focus instead on your own path and build on that. This life is mine, and your life is yours.

👷🏠📍LLOYD CADENAs HOUSE IS NOW FULLY PAID BECAUSE OF THEIR MRI.

👉 𝗪𝗵𝗮𝘁 𝗶𝘀 𝗠𝗥𝗜?
𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗲𝗱𝗲𝗺𝗽𝘁𝗶𝗼𝗻 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲

MRI is a requirement by PAG-IBIG and banks before approving your HOUSING loan. The proceeds of your insurance will fully pay the remaining LOAN while the excess of the insurance money will be given to your heirs.

Did you ever wonder what will happen to your house without MRI? PAG-IBIG and Banks can foreclose your property regardless of how much is your remaining loan. MRI ensures that your family will STILL have your house to live when you die too soon.

Kaya please stop spreading fake news na hindi pa bayad ang bahay ni Lloyd. Co'z the good son in him didn't want her mother suffer pag nawala siya.

"Gastos lang ang insurance!"

Yes, may premium o gastos ito kapalit ng coverage, just like any commodity na binibili mo to have one di ba?

Look at the Pros and Cons.🤔
During these time of uncertainty, let say you need 1M today, do you have the fund readily available and do immediate treatment?

Or are you willing to lose your savings for how many years just for medical bills?

Kapag di ka makakapagpagamot, gagaling ka kaya ng kusa?

Needless to say, Sickness, Accident , Death and Disability could happen to anyone at anytime.





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Pru Life UK has donated Php 5 million to Philippine General Hospital Medical Foundation Inc. as part of the Prudential relief fund, which provides financial support for Prudential’s communities and the volunteering efforts of its people in Asia, the US, and Africa.

This donation will support the University of the Philippines-PGH Bayanihan Na COVID-19 project to provide quality medical-grade equipment and supplies for PGH and its healthcare workers who risk their lives to help battle against the COVID-19 pandemic.

Pru Life UK earmarks 5M COVID-19 relief fund to PGH Medical Foundation Inc. The fund will support the UP-PGH Bayanihan Na COVID-19 project to provide quality medical-grade equipment & supplies for PGH & its health workers who risk their lives to help battle against the pandemic.

Consider this:

• Turning P1,500 into P1,503.75 is called a BANK.
• Turning P1,500 into P1,700 is called an INVESTMENT.
• Turning P1,500 into Php 1,500,000 is called an INSURANCE.

Good thing you can be insured while investing.

A person, no matter how capable he is in his lifetime, cannot avoid two things, — sickness and death.

When a person is bedridden:
1. A gift of Php 2,000 could be from FRIENDS.
2. A gift of Php 20,000 could be from RELATIVES.
3. A gift of Php 1,000,000 OR MORE could be from LIFE INSURANCE.

Get insured NOW, while you still can. Let me help you 😊

A client asked:

: Kumusta naman si PRU ngayong pandemic?
: Baka malugi si PRU? Kasi may pandemic 😬

FACT - Despite the pandemic, kaya bayaran ni PRU ang clients niya, up to 7 times! 😊

To all of our existing and future clients,
Do you want to know how strong and reliable is PRU LIFE UK in delivering its promise? By checking our RBC Ratio, we share a good news to you!!

What is RBC Ratio?
It is the capability of an Insurance Company to pay every single person insured.
In the Philippines, the Insurance Commission has required all Insurance Companies to have at least 100% and we, PRU LIFE UK, are at 740% 💪🏽

RBC Ratio stands for Risk-Based Capital Ratio. It means the percentage equal to (a) the quotient of the Total Adjusted Capital of the Reinsurer, divided by the Company Action Level RBC, multiplied by (b) 100.

This proves that all your hard-earned money invested with Pru Life UK is well protected.

Invest na sa PRU! 😉






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