Melanie Rivera - Pru Life UK Licensed Financial Advisor

Recently, two of my clients had their accidental and medical expense reimbursements approved—one for a motorcycle accident and the other for a dog bite.

When I found out that they had an accident, I assisted them right away. I immediately prepared everything needed for the application.

And in just 5 days after we submitted the requirements, they received their claims. All medical expenses including doctor’s PF, diagnostic procedures, vaccines and medicines were reimbursed😇

That’s why I always recommend adding personal accident riders, especially for those without HMO. It’s a huge help😌

Message me for a free quotation. Let’s customize a plan and get your coverage started today!♥️




P.S. Sa mga nagdadalawang isip pa rin magstart at iniisip na mahal ang monthly premium ng mga clients kong ito kaya maraming benefits, mali po kayo✌️You just need to find the right insurance plan that suits your budget and of course financial advisor na aasekasuhin kayo☺️💓

Ipon Challenge tayo na may kasamang peace of mind😌

Nakapag-IPON ka na, INSURED ka pa! 🫰🏻

Be wise with your spending. We have different plans to accommodate your protection needs, budget, and financial goals.

𝗚𝗘𝗧 𝗜𝗡𝗦𝗨𝗥𝗘𝗗 𝗡𝗢𝗪, 𝗪𝗛𝗜𝗟𝗘 𝗬𝗢𝗨 𝗦𝗧𝗜𝗟𝗟 𝗖𝗔𝗡.
Get a Plan from Pru Life UK. ❤️

Magpapa-insure na this 2024!!! G?
Tara, usap tayo. I can help you! 🥰

What is a Lapsed Policy?

A policy is ‘lapsed’ when the policy holder misses the premium payments and when the account value of the insurance policy has already been exhausted.

Important points to know about policy lapses.

❤️A policy lapse occurs only after a grace period - kapag po namiss natin ang due date ng ating policy, hindi po automatic na maglalapse ang policy, binibigyan po tayo ng grace period up to 30 days. Once this grace period expires and your premium still remains unpaid, saka lang ito maglalapsed

❤️It is possible to reinstate a lapsed policy. - all is not lost, kung naglapsed po ang inyong policy, pwede naten siyang reinstate within 1 to 3 years simula nung naglapsed sya. Depende din po sa kung anung klaseng policy ang nakuha ninyo.

❤️Taking measures to ensure timely premium payment can help avoid a lapse. We can set up auto debit / scheduled payment para hindi natin makalimutan yung mga due date naten and most of the time nagreremind naman si Prulife UK at ang inyong advisors about it.

❤️It’s advisable to not let your policy lapse. - Even though there are steps you can take para mareinstate ang policy mo, maaring hindi ka ma approve kung may pagbabago sa health mo, marerestart din yung 2 years contestability period once marevive na ito.

Lastly, our obligation is to fulfill our PROMISE, to give you and your family the coverage and benefits na pinangako namin nung kumuha kayo ng policy. Sa kabilang banda, as a client your obligation is to pay the premiums on time and/or required paying period.

We all know that may mga pangyayari sa buhay natin na biglaan at hindi inaasahan, as a Financial Advisor, naiintindihan ko po yan, kung magkaproblema po kayo, imbes na hindi ninyo kami kausapin. Huwag po kayong matakot na magsabi sa mga Advisors ninyo. Pwede naman po tayo magtulungan. ❤️🙏

In Prulife UK, Prutect your Financial Goals💗🏆

✨The Magic Pantalon ✨

Sabihin nating kaya mong mag-ipon ng 5,100 monthly.

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

𝗥𝗶𝗴𝗵𝘁 𝗽𝗼𝗰𝗸𝗲𝘁 (Pru Life UK) - Php 2,100.00 allotted for 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 5,100.00 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 financial literacy.

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

Unfortunate events can happen anytime, START PLANNING TODAY!

What Is Mortgage Redemption Insurance or MRI? 🤔

👉Do Banks Require That I Get One?

A: When applying for a housing loan from a bank, you would be asked to get a mortgage redemption insurance or MRI. An MRI is a form of life insurance that pays off a part or the whole of the insured’s outstanding mortgage balance in case of his or her death or total disability.

If you have an existing life insurance policy, you can assign your policy as your MRI. If you have none, the bank will require you to get an MRI, which usually will be incorporated to your housing loan in lump-sum payment (one-time premium paid annually).

Other people hesitate getting an MRI as it gives them an extra expense, which by the way is considerable. However, with that single investment, you might be saving your family from wallowing in debt or losing the home you have sought to provide them with.

Let’s talk about MRI. Feel free to message me🤗

📍 𝑷𝑨𝒀𝑫𝑨𝒀 𝑵𝑨 𝑵𝑨𝑴𝑨𝑵!
𝑩𝑬𝑺𝑻 𝙎𝙀𝙇𝙇𝙀𝙍 𝒂𝒏𝒅 𝘼𝙁𝙁𝙊𝙍𝘿𝘼𝘽𝙇𝙀 𝒑𝒍𝒂𝒏𝒔.📍

As low as 100 PESOS PER DAY you can now start your Life Insurance, Savings and Investment plan with Pru Life UK! 🤩

It is a VUL (Life Insurance+Investment) that provides comprehensive insurance protection and wealth accumulation through investment! 💰💰

Feel free to message me to know more 😊

Planting and harvest don't happen in the same season.

Friends, start planting good things in life whatever it may be as long as it is good for the future. 😊

Your future self, your family and your friends will be thankful for the good decision you will make today.

"One day, we will appreciate the truly important things in life."

☔💰

Who’s free tonight?

Baka gusto nyo muna magpalipas ng traffic later bago umuwi😁

Visit our event at Dusit Thani Makati, 7pm.

Click on the link below to register⬇️
https://makati0814.eventbrite.com

OR direct message me to reserve your slot☺️

Limited slots only kaya PM na agad.

FREE dinner will be served🤗

In Life Scenarios, there are 2 major risks 💯
Dying too soon? INSURANCE...
Living too long? INVESTMENT...
The goal is to protect yourself and your family in the event of either.

Take action now and have the peace of mind you deserve🫶🥰

Looking for a trusted Licensed Financial Advisor? ✨
Message me now. 📥