HMJ Habits of Money-Management Journal

Values & Ethics Bridging Towards Faith & Ministry:

One arm of my professional career includes Financial Consultancy through Pru Life UK.

Over the past seven to eight years in sales and service in the insurance industry, the journey has been colorful, filled with purpose, meanings and rewards. Seeing the professional growth from the ground until breakthroughs happened, the good habits and passion to do business were nurtured from the cutting edge training, very supportive systems and generous incentives provided by the company.

But like any paths we take, there are humps and bumps, roads can be straight or curved, so we have to carefully watch our moves. Circumstances lead us to where we are moving next, and these conditions take place at certain times and places. Oftentimes, we do not see the promising impacts of these situations quickly, but how we manage the course of the plot twists matters so much in responding to what is happening during those moments.

Truly, God sets the pace in every place and time. Until the light comes to give us the space to understand. The kind of values and ethics that we choose to live by create a great influence on the kind of people, environment and outlooks we associate with, and we stand for.

And when the season is due, we see the turn of events with clarity in our views, with reconciliation on the things we hope to achieve, and with affirmation that plans become valid and decisions become decisive because of the gift of faith. Over-all, it is looking at these milestones in the perspective of a ministry where we are called for a purpose.

Dedicating these reflections to a very special person, a family man, a successful business executive, a compassionate leader, a great mentor, and a dedicated servant leader in Servants of the Living God Ministry, Sir Junjun G. Ocampo.

Together with my family, we are profoundly grateful for gifting us with a very beautiful person whose heart, wisdom, generosity and professional character are phenomenal. We pray that all these good things you’ve shared will multiply in the lives of the people you touch, especially your family.

Daghang Salamat Sir Jun. ❣️🙏


HMJ Habits of Money-Management Journal

Hi there! My name is Hazel Maglinte Joyohoy, and today let me share some personal thoughts in line with my advocacy in financial literacy.

About me:
I am dynamic & obsessed on a journey to discover my true potentials, generous in maximizing these gifts enriching beyond self, and make a positive impact in the community where I am planted. Let me take you through one arm of my many facets that define me, being a Financial Advisor.

Reflections:
For those who have been in the challenging crossroads of meeting requisites of retention parameters in this career, like some of you, I found myself drawn far from the routine intensive essentials packaged in the business. Last year, God’s calling for me to shift my cores in church ministry was loudly manifested. It was the beginning of my gradual and random limitations in the company’s constant updates, meetings and equippings.

But because being an FA has been an advocacy close to my heart, I had my influencing seasons during those times of last year. And those were part of the planting approaches in our industry’s language. This 2024, perhaps the Science of Harvesting comes when there was planting that was made and nurtured with consistency and sincerity to advocate.

Grinding hard on the process of enrolling my clients online yesterday after pooling all necessary information and assessments had led me to a lot of lessons. Consequently, the process didn’t succeed due to some updates in meeting some requirements. The best part of the company, is the easy access of support from everyone. Though I and my team (especially AUM Analiza Carizo-Bañadera Hernandez, my activation partner in Pru ASK ZARAH, and Ms. Celine and Ms. Joy of Jasper DU) had our work around in these compliances, time was the challenging concern. We had to wait until all that is required is complied. I was very clear and timely in guiding my clients, and I am thankful that they too have been very cooperative and considerate in understanding the essential protocols as explained. So our experience yesterday had brought me this blog as I aimed to share the experiences and lessons that have molded me in the life of a Financial Advisor.

Eight Financial Adviser Lessons That You Must Be Aware Of When Valuing Retention Status:

1. Self-check
Assess your self if this business still adds value to your life.
2. It’s never late to reignite
It’s never late to reignite on what has been close to your heart.
3. Anchoring on the whys
Anchoring on the whys matter much in our direction to proceed further.
4. Valuing others
Valuing others will always bring a meaningful connection to what we are doing.
5. Valuing self-worth
Valuing-self worth is important so we look at ourselves with affirmation and pride.
6. Decisiveness
Decisiveness dictates the clarity of path, the quality of works, and the longevity of our choices.
7. Moving forward
Moving forward is an attitude of hope instead of being stuck in the momentum when you are down.
8. Be ready and be open to new beginnings
Be ready and be open to new beginnings whatever the future awaits for you. A fresh start isn’t a new place, it’s a mindset.

Don’t get discouraged! 🙌

Recently, queries on what are the affordable Program Plans from our company are dropped in our inbox. 📌

📣Unlocking the Best Seller, Affordable Plans!

Imagine beginning your journey towards Protection, Savings, and Investment with Pru Life UK for as little as 84 PESOS PER DAY! 🌟

What's the secret behind this incredible opportunity? It's called a VUL plan, combining Life Insurance with Investment. This dynamic duo offers you not just insurance protection but also the chance to build wealth through investment. 🚀

Here's why you should be excited about this:
✅ Comprehensive Protection: Safeguarding your future and the ones you love.
✅ Wealth Accumulation: Building financial security and achieving your dreams.

The beauty of this plan lies in its flexibility and affordability. It's a gateway to your financial goals, no matter how big or small they may be. It's about securing your family's future and your peace of mind. 💪

Are you ready to explore this incredible opportunity? Feel free to drop me a message to learn more about how this plan can help you into achieving your financial aspirations. Let's make your dreams a reality, one step at a time. 💬✨

Hi everyone! It’s been a while that this platform has been in low key as I have been drawn to the women ministry of our church.

But over the past short period that this financial consultancy platform has not been actively maximized, I am more than fulfilled to say that I have been actively doing my services to my clients.

Highlights include:
📌Being able to fulfill a 2.5 Million Sum Assured of a 35 YO client who passed away due to unexpected illness
📌 Being an agent that aid 100K and 500K to early 50 year old plus clients who were diagnosed with critical illnesses both Cancers
📌 Being an FA that has facilitated the hospital reimbursements of clients who were into admission as their health weakens
📌 Being there to bring financial support to several clients who took partial withdrawals of their funds from 30K to 100K to meet their emergency needs.
📌 And being a financial consultant to my clients in our continuing efforts to remind ourselves of our bond into why they got their Pru Life plans

“Doing Financial Consultancy services is a constant ministry. I always choose to actively engage in client service bringing to life the company’s promise in times of their protection and financial needs.” - HMJ

Lately, there have been people who have been reaching out for services in line with my professional work as an FA. And for me, the overlapping queries and post servicing to existing clients implied a call to speak up again for this advocacy.

So here we go, it’s time to reignite again the spark via HMJ Habits of Money-Management Journal platform as this noble career of being a Financial Advisor has always been a ministry.

To all my clients, thank you for the referrals and for your continued trust to my works and to my company, Pru Life UK.

Hazel Maglinte - Joyohoy
Licensed Financial Consultant,
Certified Investment Advisor,
Pru Life UK

HMJ here, friends! Good day.👋

During the past months, I was pulled into my ministry to serve the women sector of our church. But the advocacy to be a voice of making others understand the value of proactiveness in life as an FA is constantly observed.

Spreading Financial Literacy Awareness has always been a very special core among my priorities. With my professional qualifications in the industry, I was able to offer my sincerest services to people from all walks of life. And what a great milestone to see the progress of this meaningful career through the years… seeing its impact to my clients and their loved ones.

Thank you to every client who value the program they have started since years ago. And thank you for the new faces who engaged in the conversation in their willingness to start under my professional services.

For more of these programs and services, talk to your Trusted Financial Consultant today!

Hazel Maglinte Joyohoy,
Licensed Financial Consultant,
Certified Investment Advisor
Pru Life UK Philippines

Financial Literacy Advocate
HMJ Habits of Money-Management Journal

PRULIFE UK, Still a Winning Insurer!

"The insurance industry has always been seen as boring and 25 years ago Philam (AIA), Insular, and Sunlife, dominated the market and seemed invincible.

As our economy developed the market has quintupled over the past 24 years and taking a step back, change is very apparent.

While Sunlife was able to more or less maintain its position and grow with the market, new companies came in and captured market share, causing both Philam (AIA) and Insular to become insignificant players.

Initially Pru and AXA and Manulife expanded fast. The last two by developing bank distribution, while the first one built their own agency network with 50,000 agents. That turned out to be the most sustainable wat to grow, although not the most profitable it seems.

With the former CEO of Pru joining FWD, we might see Pru's growth going to being shared with FWD, that had plateaued the past 4 years.

Exciting to see what the future will bring and how fast Singlife can get up the charts."

- Rein Hermans
CEO, Singlife Philippines

Once an advocacy, the value towards its purpose is deep and the impact is strong.

This holds true to one of my interests in positioning the need of Financial Literacy Awareness in the country. The gap of this concern is wide and the need to act in reducing this gap is essential. It requires to take actions with sense of urgency.

My Financial Consultancy Services is sustained and it’s always nurtured along with my fellow advocates through the years. Our continued commitment to be dedicated agents to a more financially secured future among Filipinos is borderless and non-selective.

Financial Literacy is for everyone. And that includes my children and your children. Hence, I embrace this meaningful career for reasons that it covers everyone we love. ❣️

Today’s block-off time has framed my other arm of delivering the promise I made to myself, my family, and my clients.

I will hold on to this mission. I will be there for those who wish for guidance on suitable Financial Program Plans. I will be honored and fulfilled to be part of that transformation from planning towards implementing of your longed overdue plans.

Rise up and move from those setbacks of your financial goals. 💪

The clock continues to tick every second, and your decision to kick-off needs to begin.

Financial Planning is flexible and accessible, face to face or online, we got you.

Talk to your Trusted Financial Consultant, today!

Hazel Maglinte Joyohoy
Licensed Financial Consultant,
Certified Investment Advisor,
Pru Life UK Philippines

Financial Literacy Advocate,
HMJ Habits of Money-Management Journal

Your big opportunity may be right where you are now. Jump-start your career NOW! Let's create your framework for success.

📣 Join us tomorrow February 08, 2023, at 7:00 PM and discover opportunities you can explore when you join this business.

👉 To register, scan the QR code or head over to this link: https://bit.ly/3QUZAtW

📌Meeting details will be sent to registered attendees.

See you!

Here’s something worth sharing in my Financial Consultancy Work. Yes! ✨🙌

I reached out my one of my clients last night, updating her of the progress of her policy. As of yesterday evening, they already have Php 80K plus Fund Values.

This demonstrates the impact of discipline that have kept her goals on track. To have the protection coverage of her husband (being the insured) with part of savings invested for their retirement needs in the future.

This is a VUL Plan and our client was grateful of the decision they made years ago. Now that they are in the need to have a partial amount to use, they are even more comfortable to realize that they have accumulated some funds already.

I feel honored to be their Servicing FA until today. May your actions become a reference model for others to weigh in options and take their timely action plans.

Talk to your Trusted Financial Advisor today!

Hazel Maglinte Joyohoy,

Licensed Financial Consultant & CIA, Pru Life UK Philippines

Financial Literacy Advocate,
HMJ Habits of Money-Management Journal

It’s a fair weather on a Friday, and it’s a great opportunity to learn something valuable from these reflecting and insightful reminders from Dr. Sanjay Tolani. ✨

My friends, let’s all check this out and hope to arrive at the most practical and effective action plans, together. Thanks Dr. Sanjay! ❣️

———————————
What are the basics necessities of life? 🤔 They are food, clothing and shelter right?

However, all 3 of the above are in fact based on only one variable, which is “INCOME”. Think about it! Your income decides on the type of food you eat, your income decides what kind of clothes you wear, your income decides what kind of house you live in; this is your lifestyle.

Now, there are two ways to get INCOME; Either YOU WORK or SOMEBODY ELSE WORKS and provides for you.

As of now, you’re working on providing the food, clothing and shelter. Unfortunately, If something were to happen to you, somebody needs to immediately take over this responsibility for your family. This is exactly how income protection works. If you are unable to work, the insurance company will compensate for your loss of income.

There are many income protection products in the market, so spend some time to understand which one caters more to your current financial needs. 🙌🏻

----

Talk to your Trusted Financial Advisor today!

Hazel Maglinte Joyohoy,
Licensed Financial Consultant,
Certified Investment Advisor, Pru Life UK Philippines
Financial Literacy Advocate, HMJ Habits of Money-Management Journal

Heads Up!

As January is about to end, have you considered one of the most important to do list this 2023?

Among all others, setting a protection coverage is a fundamental thing to equip yourselves. Get a security blanket at the soonest! This is the most practical and lasting expression of your love to yourself, your spouses, and your kids.

Talk to your Trusted Financial Advisor today!

Hazel Maglinte Joyohoy,
Licensed Financial Consultant &
Certified Investment Advisor, Pru Life UK Philippines
Financial Literacy Advocate, HMJ Habits of Money-Management Journal

ctto

Client Servicing provide the ultimate impact of doing this advocacy as a Professional Financial Consultant. Last night was a heartful meeting with the family representative (sister) of my client who just recently rested in peace with the Lord.

I was providing an orientation with the step by step guide on the Death (Basic Cover) Claim Processing of my deceased client. At the moment when the Policy Data Page was reviewed, we were both emotional in tracing back the beginning of how the policy was valued by the insured. He was a believer of proactiveness and adequate financial planning.

How sad to realize his life loss, but how grateful is the family for his commendable decision when he was still actively engaged in work. May his actions become a living and inspiring reference for the rest of us. 💕

Talk to your trusted, Financial Advisor for your tailored fit program while you are still health and able. Financial Planning Service is free. Available Face To Face or Online. 😊

Hazel Maglinte Joyohoy
Licensed Financial Consultant
Certified Investment Advisor
Financial Literacy Advocate
HMJ Habits of Money-Management Journal