InvestWise PH

Sometimes, a family is forced to ask for help from relatives or even strangers just to gather money for funeral and unexpected expenses when a loved one passes away. 😔💔

Pero alam mo ba? We can avoid that — if every family is financially prepared for the SAD EVENTS in life. 💛

S – Sickness 🤒
(Here in the Philippines, medical bills can easily reach ₱1M or more)

A – Accident 🚧
(One sudden moment can change everything)

D – Death ⚰️
(Untimely and inevitable… and no one is ever ready for the pain)

That’s why while you’re young and still earning, protect yourself and your family. 🌞

Get insured and secure your future habang kaya pa. 💛🛡️

I’m here to help you — message me anytime. 💬

𝐀𝐊𝐀𝐋𝐀 𝐌𝐎 𝐌𝐀𝐇𝐀𝐋?

Let’s break it down:
𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗽𝗿𝗲𝗺𝗶𝘂𝗺 - ito yung regular mong hulog para sa insurance plan mo. Pwedeng monthly, quarterly, or yearly, ikaw bahala.

𝗠𝗴𝗮 𝗯𝗮𝗴𝗮𝘆 𝗻𝗮 𝗻𝗮𝗸𝗮𝗸𝗮𝗮𝗽𝗲𝗸𝘁𝗼 𝘀𝗮 𝗽𝗿𝗲𝗺𝗶𝘂𝗺:
1. Age – Mas bata, mas mura. Mas matanda, mas mataas ang risk kaya mas mataas din ang insurance charges.

2. Work – May trabahong high-risk, may hindi insurable, at may mga “rated” (rated means mas mahal premium pero mas limited coverage). Kung pasok naman sa standard ang trabaho mo, ibig sabihin pasok ka rin sa normal rate at coverage.

3. Coverage amount – Mas malaki ang protection benefits na gusto mo, mas mataas din ang bayad.

4. Type at details ng benefits – Mas complete o mas flexible (like multiple-use critical illness o complete hospitalization benefits), mas mataas ang premium.

5. Health condition – Kung healthy ka, mas mababa ang chance na ma-deny at mas mura ang rate. Pero kung may existing illness o history ng sakit, mas mataas ang charges/premium at subject for approval pa ng company.

6. Type of insurance plan – Iba-iba ang plans (VUL, Endowment, Term, etc.), at nakadepende sa type ng plan kung gaano kalaki ang premium.

So, magkano nga ba dapat ang premium mo? May mga bagay na hindi mo kontrolado (like age or work), pero meron ding nasa kamay mo.. gaya ng goals mo, reason mo for getting insured, at budget mo.

𝙂𝙊𝙇𝘿𝙀𝙉 𝙍𝙐𝙇𝙀: 𝙙𝙖𝙥𝙖𝙩 𝙠𝙖𝙮𝙖 𝙢𝙤𝙣𝙜 𝙞-𝙨𝙪𝙨𝙩𝙖𝙞𝙣 𝙮𝙪𝙣𝙜 𝙥𝙤𝙡𝙞𝙘𝙮 𝙞𝙣 𝙩𝙝𝙚 𝙡𝙤𝙣𝙜 𝙧𝙪𝙣. 𝘼𝙨 𝙖 𝙜𝙪𝙞𝙙𝙚, 𝙥𝙬𝙚𝙙𝙚𝙣𝙜 𝙖𝙧𝙤𝙪𝙣𝙙 10% 𝙣𝙜 𝙞𝙣𝙘𝙤𝙢𝙚 𝙢𝙤, 𝙊𝙍 𝙘𝙚𝙧𝙩𝙖𝙞𝙣 % 𝙣𝙜 𝙣𝙖𝙨𝙖-𝙨𝙖𝙫𝙚 𝙢𝙤 𝙢𝙤𝙣𝙩𝙝𝙡𝙮 𝙮𝙪𝙣𝙜 𝙞𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚 𝙥𝙧𝙚𝙢𝙞𝙪𝙢, 𝙙𝙚𝙥𝙚𝙣𝙙𝙚 𝙨𝙖𝙮𝙤.

I offer free insurance planning for everyone. Alamin natin ang proper plan and premium na swak sa lifestyle, budget, needs, at priorities mo. (𝑷𝑺. 𝒕𝒉𝒊𝒔 𝒊𝒔 𝒏𝒐𝒏 𝒄𝒐𝒎𝒎𝒊𝒕𝒕𝒂𝒍, 𝒊𝒇 𝒎𝒂𝒈𝒖𝒔𝒕𝒖𝒉𝒂𝒏 𝒎𝒐 𝒕𝒉𝒆𝒏 𝒘𝒆 𝒄𝒂𝒏 𝒅𝒐 𝒔𝒐𝒎𝒆𝒕𝒉𝒊𝒏𝒈 𝒕𝒐𝒈𝒆𝒕𝒉𝒆𝒓, 𝒊𝒇 𝒏𝒐𝒕 𝒐𝒌𝒂𝒚 𝒍𝒂𝒏𝒈 𝒂𝒕 𝒍𝒆𝒂𝒔𝒕 𝒏𝒂𝒌𝒂𝒑𝒂𝒈-𝒖𝒔𝒂𝒑 𝒕𝒂𝒚𝒐.)

At the end of the day, you don’t have to start big, kahit start small lang muna. Ang mahalaga, nasimulan mo na 🙏🏻

In our culture, borrowing money is easy.
Pero ‘yung magbayad?
Parang nakakahiya pa minsan ang maningil.

“Small amount lang naman.”
“Wala pa ako.”
“Baka nakalimutan na niya.”

But why is it like that?
Why does it feel harder to collect kaysa magpautang?

Ikaw na nga ‘yung nawalan,
ikaw pa ‘yung nahihiyang mag-follow up.

Because you don’t want to sound mukhang pera.
But let’s be real… sometimes it’s not about the money.

‘Yung ₱500 na ‘yon?
It’s not just cash.
You also lent trust.

And sometimes, you’re not even asking for the payment anymore.
You’re just hoping for a little respect.
A simple, “Uy, sorry ha. Wala pa ako, pero babawi ako.”
Or even a message saying when they’ll pay.

Pero tahimik sila. Seenlord.
And you? You stay quiet.
Kasi ayaw mong masabing masama ka for reminding them.

That’s why…
Let’s make it a habit to pay our debts..
kahit maliit, kahit matagal na, kahit walang naniningil.

If we know how to borrow,
we should know even better how to pay back.

And if ikaw ‘yung may utang ngayon,
no judgment.
But maybe… this is your sign.

Pay it.

Let’s normalize paying what we owe… even when no one’s asking.

Because sometimes, freedom starts with a simple:
“Finally… paid in full.”

“Bebentahan lang ako Niyan!”

Sounds familiar?
Yan madalas nating sinasabi kapag may ahente o advisor na nag-o-offer ng insurance.
Lalo na kung relatives, kakilala o kaibigan pa natin — mas madali nating iwasan.

Pero naisip mo ba kung bakit ka nila kinukulit?

From a financial advisor’s perspective, tuloy pa rin naman ang trabaho namin kahit hindi ka kumuha.
Wala namang mawawala sa amin.

Pero sa’yo at sa pamilya mo — meron. 💔

Kaya kami nagrereach out, hindi para bentahan lang, kundi para tulungan kang maging handa bago pa dumating ang mga hindi inaasahan. 🙏

Believe me, mas mabigat makita ang pamilyang naiwan na walang proteksyon kaysa marinig ang salitang “next time na lang.”

💭 Future Parents, take note:
Kung seryoso tayo sa pagbuo ng pamilya, dapat seryoso rin tayo sa pera.

Ayaw nating ipamana sa anak natin ang utang o financial stress.

Let’s prepare early — para love at security lang ang mana nila, hindi burden. 💙

In 1997, the Malacañang declares that in every 1st week of OCTOBER every year, it is a "Life Insurance Awareness Week".

One of the best gift you can give to yourself is to be insured , protect yourself and be prepared for your future.

Its provides financial protection in times of need and peace of mind when uncertainties of life happens.It also generates meaningful long term savings.

Majority of our population continuous without Life Insurance Coverage. Protect your Greatest Asset-----YOURSELF. 🤗

Join us in the advocacy of sharing the beauty of life insurance by commenting 🤗

Together let us make a difference.

Live a brighter and peaceful mind.

PAANO MAPABABA ANG EXPENSE?



Can you guys help me trim down our expenses? How would you approach it?

Combined income monthly is at 340k, but may times na 300k or more expenses + bills, been living ok naman and sends our kid to private school but I feel like kaya pang bawasan yung expenses so we can save more. Below is actual June Expenses, Bills are fixed at 50k monthly.

Thanks!

Define your needs and wants, then allocate for expenses properly.

This way, you remain on track with your financial goals while still enjoying some form of gratification.

Allocate accordingly!

Ten years from now, you will wish you started today.

It means saying no to another episode on Netflix,
skipping the weekend hangouts to work on your goals, and choosing the uncomfortable path of growth— even when everyone thinks you're being too serious.

It is waking up earlier to study,
saving money instead of spending on wants,
building skills that no one sees yet
while others are choosing instant gratification.

Yes, starting feels overwhelming.
But procrastination?
Procrastination is watching others launch their businesses while you're still planning.
Procrastination is seeing opportunities pass because you never prepared.
Procrastination is realizing at 40
that you're still living the same life you had at 30.

Starting takes effort today.
Procrastination steals your entire decade.

So choose wisely the discomfort that builds your future. Not the comfort that keeps you stuck.

This is a reminder to all of our future clients na—

Pwede lang po mag-apply ng insurance KAPAG nakauwi na sa Pilipinas. 😊

Give 1-2 hours for a proper financial planning during your vacation here.

Mas magandang may nasimulan habang OFW, para pag-uwi ninyo dito at age 50 or 60– may naitanim tayo at may magagamit sa retirement.

Working my ass off because the goal is not luxury, just stability.

The kind of stable where…

- I can afford regular checkups without brushing it off as “sayang sa pera”
-I can pay the bills on time
- I can buy medicine the moment it’s needed
- I don’t have to borrow for tuition, school projects or scramble during enrollment season
- I can rest when I need to, without guilt
- I can sleep 8 hours without worrying if next month’s income is covered
- I can eat spicy pancit canton with medium boiled egg only bec I crave for it 🤤
- I can register for 5-7 marathons/fun runs in a year
-I can scroll shopee or tiktok shop, check out a cart or two ( maybe 3 🤔) and not feel broke after

A life where I can afford little joys.

A quiet home.
Food on the table.
Peace in my head.

Don’t let your policies lapse especially during these trying times. It is of utmost importance that we keep our policies IN FORCE. 💯

Do not let your policy LAPSE, because of increasing financial responsibilities. The greater your responsibilities are, the more protection you will need. Thus, you and your loved ones need the protection your policy provides. 💯

Lapsed Policy? All of the benefits of a life insurance policy become null and void if you let the policy lapse by not paying the premium. This can leave your family vulnerable. Luckily, a lapsed life insurance policy can be reinstated, if you act within a certain timeframe. 💯

This is why it’s so essential to settle the life insurance policy on time. 💯

A Lapsed Life Insurance Policy is a broken promise to yourself and your loved ones.

If you love someone do not break your promise.