Motivisor Mom

🚀 **Introducing AXA HealthMax Elite** - the most comprehensive Multi-Pay critical illness plan in the industry, covering you up to age 100! 💯

💥 **Why AXA HealthMax Elite?** 💥
🔹 Covers **156+ illnesses**
🔹 Claim up to **4x** for major critical illnesses
🔹 Claim up to **2x** for minor critical illnesses
🔹 Life insurance coverage included
🔹 Advanced Health Fund or scheduled cash benefit starting at age 70

But that’s not all! Check out these **exclusive benefits**:

🌟 Claim **1x** for pre-early illnesses like benign tumors & mental health illnesses
🌟 Claim **2x** for ICU stay & life-saving surgeries
🌟 **UNLIMITED** teleconsultation
🌟 **FREE** Mental Wellness Consultation

👨‍⚕️ Whether you're 27 or 45, with a high monthly income of 40K-100K, this is the health plan you need to secure your future! You work hard and deserve the best health protection. **AXA HealthMax Elite** offers unparalleled peace of mind and exceptional value. Invest in your health today!

Minsan panadera kadalasan financial advisor.

𝐏𝐖𝐄𝐃𝐄 𝐁𝐀 𝐞𝐑𝐄𝐅𝐔𝐍𝐃 𝐲𝐮𝐧𝐠 𝐦𝐠𝐚 𝐍𝐀𝐈𝐇𝐔𝐋𝐎𝐆 𝐬𝐚 𝐈𝐍𝐒𝐔𝐑𝐀𝐍𝐂𝐄 𝐂𝐎𝐌𝐏𝐀𝐍𝐘❓

One of the most common concerns ng clients ay ang usaping REFUND.

Pwede nga ba mag-refund?
Paano kung tumigil na sa pagbabayad?
Mawiwithdraw ko ba ang mga premiums ko?

⭕ Simulan natin ito sa “TERM INSURANCE”
-Prepaid po ang mga insurance.
Meaning, parang renta. Babayaran mo agad yung term or period na sakop ng insurance.

If ang term insurance mo ay yearly ang term, you pay now. Then covered ka.

If di ka na magbayad next year, di ka na covered. Ganun kasimple.

So may mawiwithdraw ka ba? Wala.

⭕ Paano naman kung “VUL or VARIABLE UNIT LINKED”-ang nakuha ko? Insurance with investment component.

Kapag ba tumigil ka na (surrender), mawiwithdraw mo ba exactly lahat ng PREMIUMS na binayad mo? Hindi.

Ang ma-wiwithdraw mo lang ay 'yung current value ng Investment mo. (Fund value)

🤔Bakit ganun?
Mas mainam pala ang bank. Pag nagdeposit ako, mawiwithdraw ko exactly the same.

Opo, yan ang purpose ng bank. (Designed for safe keeping)

Iba ang purpose ng insurance. Iba rin ang investment.

💡🧐Tatandaan, binibili mo ang service ng insurance contract. Kung 3 million death benefit yan, yan ang binibili mo.

🤔So bakit nga walang REFUND?

Kapag ba bumili ka ng isang bagay o service, tuwing kelan lang may refund? Ano ang refund policy?

- kapag may DEFECT.

E kung wala namang defect ang policy, walang marerefund.

🤔Wala naman akong naging sakit, sayang lang binayad ko.

- Bigyan kita ng analogy. Naghire ka ng bodyguard to protect you from harm. Pinasahod mo ng 5k a month.

After 2 years, nakapasahod ka na ng 120k. Wala namang umatake sayo.

Can you tell your bodyguard na, "Kukunin ko na lahat ng 120k na pinasahod ko sayo kasi di naman ako napahamak, wala namang umatake sakin."

Anong response ng bodyguard?
"Ay babalik ko sayo, may patago ka teh?"

Same concept.
You buy insurance to get the service of protection.

Kada oras na dumadaan na IN FORCE ang insurance contract mo, liable ang insurance company to fulfill the contract's obligations.

So ang Insurance charges na nababayad mo out of your premium, doon yun napupunta.

Hindi sya nasayang 😁☕️

-ctto-

Currently attending AXA's newest plan with guranteed payout. Exciting!!!

Assisted my 42yo client with breast cancer stage 2 file a claim. I remember her reasons when she decided to get a health plan 2 years ago:

She doesn’t want to burden her family with medical bills when she gets sick. My client is single, and she has been supporting her mom, who has a kidney problem for years. Ambagan sila magkakapatid to sustain the expenses for their mom so she knows that she needs a safety net once she’s critically ill. They already dug deep from their savings for their mother’s treatments. Noon na kinua nya ang plan na to, ofcourse hindi nya naman gusto gamitin agad. Wala naman may gusto magkasakit, but it’s always better to have it and not need it than to need it and not have it.

Always prioritize getting a health insurance. If you cannot pay a minimal premium for your plan then how are you going to pay your medical bills when you get critically ill? You also have to consider your health status when you apply. Hindi lahat ng gustong kumuha ng health insurance ay pwede pa. I have clients who are willing to pay kahit more than pa daw ng premium but sad to say I have to decline due to their health conditions. Get covered while you are still healthy.

Talk to your financial advisor now. Walang bayad magtanong and magpaquote. Protect what matters, YOU!!!

If you can only afford to get ONE life insurance policy this year, make it a Health Insurance!! You may be able to recover wealth or property losses, but if you lose your health, it’s game over!! health is wealth! Protect your health by having a financial plan today. Let’s talk…

Successful AXA Discovery Day with our future business partners in Rinconada area. We will be having this ADD more often outside Naga as part of our ADD Caravan. Our next stop is GOA. See you next Saturday Partido partners.