Funds & Fun your Prulife UK Financial Consultant

𝙋𝙧𝙤𝙢𝙞𝙨𝙚𝙨 𝘿𝙚𝙡𝙞𝙫𝙚𝙧𝙚𝙙: 2024 𝙋𝙧𝙪 𝙇𝙞𝙛𝙚 𝙐𝙆 𝘾𝙡𝙖𝙞𝙢𝙨 𝙍𝙚𝙥𝙤𝙧𝙩 💫

𝗔 𝗣𝗿𝗼𝗺𝗶𝘀𝗲 𝗼𝗳 𝗣𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻 – 𝗘𝘃𝗲𝗿𝘆 𝗦𝘁𝗲𝗽 𝗼𝗳 𝘁𝗵𝗲 𝗝𝗼𝘂𝗿𝗻𝗲𝘆.
At Pru Life UK, every claim is more than just a number. It’s a story of comfort, hope, and support for Filipino families during life’s defining moments.

📊 𝟐𝟎𝟐𝟒 Claims Report Highlights:
✅ 𝟏𝟏,𝟏𝟒𝟕 approved claims
✅ ₱𝟐.𝟑𝟎 𝐁𝐢𝐥𝐥𝐢𝐨𝐧 total claims paid out
✅ ₱𝟏.𝟑𝟒 𝐁𝐢𝐥𝐥𝐢𝐨𝐧 in death claims — supporting families in their hardest hours
✅ ₱𝟖𝟎𝟖 𝐌𝐢𝐥𝐥𝐢𝐨𝐧 in critical illness claims — helping Filipinos bravely fight cancer, stroke, and heart disease
✅ ₱𝟏𝟒𝟒 𝐌𝐢𝐥𝐥𝐢𝐨𝐧 in living benefit claims — easing burdens from accidents, hospitalizations, and disabilities

Behind these figures are real lives touched, promises kept, and futures protected. ❤️

Grateful to be part of an organization that continues to stand with Filipinos — ensuring that for every Life, there is a secure Future. 🇵🇭❤️

Kapag learning never stops, service never stops din! 😉 Just completed my Annual Refresher Course with Pru Life UK. Certified to care! 💛

✅ 𝟮𝟬𝟮𝟱 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 𝗧𝗿𝗮𝗶𝗻𝗶𝗻𝗴 — 𝐃𝐎𝐍𝐄!
📅Released and Completed
Part of my promise is to give you the best and most up-to-date advice.💡
And now, I'm all set with the latest rules on:

Topics mastered:
✨ Helping vulnerable clients
✨ Handling high-risk cases
✨ Due diligence & AML
✨ Keeping a customer-first mindset

Training may be mandatory, but for me, it’s a commitment to excellence for every client I serve. ❤️

Quick question: Kung may mangyari bukas, ready ka ba? Not to scare you ha, pero gusto lang kitang i-remind na important din alagaan ang future, hindi lang today. Hindi siya mahirap pag may kausap kang mapagkakatiwalaan.

Halfway na tayo sa week!
Kung feeling mo parang wala kang napapala, balikan mo lahat ng maliliit na wins mo. Progress yan! You’re showing up! that’s more than enough. 🫶🙏

Pipiliin mo pa rin ba yung bagay na nagpapastress sayo araw-araw? Or pipiliin mong simulan na yung life na gusto mo talaga? Ikaw lang ang makakasagot niyan. And I’m here kung kailangan mo ng kausap.

𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝘁𝗼 𝗴𝗲𝘁 𝗮 𝗣𝗮𝗴-𝗜𝗕𝗜𝗚 𝗛𝗼𝘂𝘀𝗶𝗻𝗴 𝗟𝗼𝗮𝗻? 𝗣𝗮𝗸𝗶𝗯𝗮𝘀𝗮 𝗺𝘂𝗻𝗮 '𝘁𝗼.
Kasi minsan, hindi lang basta monthly hulog — may plot twist din!

My sister-in-law finally got her dream house through Pag-IBIG.
Exciting! First home achieved!
But a few months into paying almost ₱15K/month, napansin niya…
“Parang hindi gumagalaw yung utang ko?”

So she went straight to Pag-IBIG to ask.
And that’s when she learned the not-so-fun part. 💔

📌 Breakdown ng ₱14,930.21 Monthly Payment:

₱11,979.17 – Interest
₱235.80 – Fire Insurance
₱360.00 – MRI
₱2,355.24 – Principal lang ito!

Yes, out of almost ₱15K, barely ₱2K+ goes to the loan itself.
The rest? Sa interest, insurance, at iba pang charges. 😬

𝗣𝗮𝗮𝗻𝗼 𝗚𝗮𝗻𝘂𝗻?
Interest is computed like this:
📌 ₱2.5M loan × 5.75% annual interest ÷ 12 months
= ₱11,979.17 interest per month in the beginning!

That’s why parang walang bawas sa utang sa simula —
Pero don’t worry, over time, the interest decreases and more of your payment goes to the principal.

𝗛𝗼𝘄 𝘁𝗼 𝗛𝗮𝘀𝘁𝗲𝗻 𝗧𝗵𝗲 𝗟𝗼𝗮𝗻: Pay Direct to Principal!

If may extra budget, instead of buying the latest phone 😅,
go to Pag-IBIG and request:
👉 “Direct to Principal Payment po.”

Example:

Monthly due: ₱14,930.21
Bayad: ₱50,000
₱14,930.21 = regular due
₱35,069.79 = directly deducted sa principal!

Mas mabilis ang bawas sa utang, at mas maliit na interest next month. 🎯

🚫 Warning: Don’t do this in Bayad Centers or other payment outlets.
Baka i-apply lang nila as advance payment for future dues —
walang impact sa principal!

📌 Pro tip: Track your loan through Virtual Pag-IBIG.
They don’t send monthly bills — ikaw ang dapat mag-monitor.

Final Thoughts:
Kung hindi mo uunawain kung paano gumagana ang housing loan mo,
you’ll keep paying for years, and still feel stuck.

So whether you're planning to buy a house or already paying one…
📣 Learn. Ask questions. Make smart payments.

Because financial literacy is survival.
Let’s help each other out!

𝐖𝐡𝐢𝐜𝐡 𝐩𝐥𝐚𝐧 𝐬𝐮𝐢𝐭𝐬 𝐲𝐨𝐮 𝐛𝐞𝐬𝐭?

Let’s explore your options:

1. 𝐏𝐑𝐔𝐋𝐢𝐧𝐤 𝐀𝐬𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐀𝐜𝐜𝐨𝐮𝐧𝐭 𝐏𝐥𝐮𝐬 (𝐏𝐀𝐀 𝐏𝐥𝐮𝐬)

An affordable investment-linked life insurance plan offering maximum protection.

2. 𝐏𝐑𝐔𝐋𝐢𝐧𝐤 𝐄𝐥𝐢𝐭𝐞 𝐏𝐫𝐨𝐭𝐞𝐜𝐭𝐨𝐫 𝐒𝐞𝐫𝐢𝐞𝐬

Designed for greater wealth accumulation and enhanced protection.

3. 𝐏𝐑𝐔𝐇𝐞𝐚𝐥𝐭𝐡 𝐏𝐫𝐢𝐦𝐞

Our best-selling health protection plan with investment benefits, perfect for securing your child’s future.

Message me to customize the perfect plan for your needs. Let’s secure your future today! 🤝🏻


Chrystel Gudito - Prulife Advisor

🇵🇭 Happy Independence Day! 💙❤️

Ang tunay na kalayaan?
Yung hindi ka nag-aalala sa future.
Yung may peace of mind ka kahit anong mangyari.
Yung financially protected ka — ikaw at ang pamilya mo.

As a Financial Advisor, I’m here to help you achieve that kind of freedom —
✔️ Freedom from worry
✔️ Freedom from unplanned expenses
✔️ Freedom to live your life fully and confidently 💼✨

Let’s secure your future, so you can enjoy your present.
Message me if you’re ready to choose kalayaang may kasamang peace of mind. 💚