PRU Life U.K. Financial Consultant - Racia Aberion

Sharing our July journey together with my teammates. 🥰

Congratulations to everyone for consistently striving for excellence—because our clients deserve nothing less than the best advisors. ❤️

“₱𝟑,𝟖𝟎𝟎 𝐥𝐚𝐧𝐠 𝐧𝐚𝐦𝐚𝐧 𝐚𝐧𝐠 𝐜𝐥𝐚𝐢𝐦…”

Pero imagine if wala akong insurance at ako mismo ang sasagot ng lahat ng medical expenses 🫣

Many people think insurance is only for major illnesses or life coverage. But with the right protection, even 𝗲𝗹𝗶𝗴𝗶𝗯𝗹𝗲 𝗮𝗰𝗰𝗶𝗱𝗲𝗻𝘁-𝗿𝗲𝗹𝗮𝘁𝗲𝗱 𝗺𝗲𝗱𝗶𝗰𝗮𝗹 𝗲𝘅𝗽𝗲𝗻𝘀𝗲𝘀 𝗰𝗮𝗻 𝗯𝗲 𝗿𝗲𝗶𝗺𝗯𝘂𝗿𝘀𝗲𝗱, helping ease the financial burden when unexpected situations happen.

This claim was successfully credited on my bank account. Simple, convenient, and a reminder that insurance is not just something you buy—it’s something you can actually use when you need it.

The goal isn’t just to have a policy.
The goal is to have protection that works when life happens.

If you’re not sure whether your current coverage is enough, let’s do a FREE policy review and see if your protection matches your needs and budget. 😊

Minor accident?

𝗖𝗼𝘃𝗲𝗿𝗲𝗱 𝗯𝗮 𝘆𝗮𝗻 𝗻𝗴 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗺𝗼?

✅ Yes!

With Pru Life UK, this benefit is called 𝘼𝙘𝙘𝙞𝙙𝙚𝙣𝙩𝙖𝙡 𝙈𝙚𝙙𝙞𝙘𝙖𝙡 𝙀𝙭𝙥𝙚𝙣𝙨𝙚 Coverage.

If you have this protection, you may be reimbursed for eligible medical expenses resulting from an accident.

In this case, our client received her 𝗰𝗹𝗮𝗶𝗺 𝗽𝗿𝗼𝗰𝗲𝗲𝗱𝘀 directly in her bank account in 𝗷𝘂𝘀𝘁 𝟰 𝗱𝗮𝘆𝘀 after submission.

Fast, convenient, and a testament to the promise of protection when you need it most.

Don’t wait for an unexpected accident to happen before securing your future. Talk to your trusted Financial Advisor today and explore a protection plan that fits your needs. ☺️💙

PRU Life U.K. Financial Consultant - Racia Aberion

One of the best ways to tell your Financial Advisor that you trust their work and service? —𝙏𝙝𝙧𝙤𝙪𝙜𝙝 𝙧𝙚𝙛𝙚𝙧𝙧𝙖𝙡𝙨. ♥️

Thank you for your trust and for recommending me to your family and friends, client 🙏✨

✅ 14-year-old student – 𝐏𝐫𝐮𝐋𝐢𝐧𝐤 𝐀𝐬𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐀𝐩𝐩𝐫𝐨𝐯𝐞𝐝 in just 3 mins!

May magandang panimula na para sa mas secured na future ng kanyang anak!

A gift of protection and financial security that will benefit him for years to come. ✨

If you’re looking for a trusted Family Insurance Advisor from Pru Life UK, feel free to send me a message. ☺️
PRU Life U.K. Financial Consultant - Racia Aberion

Kung may ₱1M–₱5M kang idle funds, saan mo ito ilalagay?

Maraming Pilipino ang pinipili ang Time Deposit dahil safe ito. Pero paano kung gusto mo rin ng:
✅ Guaranteed annual payouts
✅ Life insurance protection
✅ Full premium return
✅ At 2 years ka lang magbabayad?

Diyan pumapasok ang PRUWealth 10 Flex Elite.

Hindi lang ito tungkol sa pagpapalago ng pera—ito rin ay tungkol sa pagprotekta sa yaman na pinaghirapan mong buuin.

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🌟 FEATURES • ADVANTAGES • BENEFITS (FAB)

✅ Feature #1

11% Guaranteed Annual Payout starting Year 3

Advantage: Makakatanggap ka ng guaranteed annual payout habang active ang policy, ayon sa policy terms.

Benefit: May regular na cash flow na maaari mong gamitin para sa:

Additional investment

Travel

Pang-negosyo

Dagdag retirement income

O simpleng passive income

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✅ Feature #2

220% Life Insurance Protection for 10 Years

Advantage: Kung may mangyari sa insured sa loob ng coverage period, may life insurance benefit ang beneficiaries ayon sa policy terms.

Benefit: Napoprotektahan ang pamilya at hindi mawawala ang financial legacy na gusto mong iwan.

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✅ Feature #3

100% Full Premium Return after 10 Years

Advantage: Maibabalik ang kabuuang basic premium na binayaran, ayon sa policy terms.

Benefit: Parang naprotektahan ka na ng insurance habang naibabalik pa ang inilabas mong premium.

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✅ Feature #4

2-Year Pay Term

Advantage: Dalawang taon ka lang magbabayad.

Benefit: Hindi ka naka-lock sa mahabang commitment gaya ng ibang financial products.

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✅ Feature #5

No Medical Exam Required (subject to underwriting requirements)

Advantage: Mas mabilis at mas convenient ang application process para sa mga kwalipikadong aplikante.

Benefit: Mas madali mong masisimulan ang iyong wealth planning.

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🏦 TIME DEPOSIT vs PRUWealth 10 Flex Elite

Time Deposit
✔ Guaranteed interest
✔ Low risk
❌ Walang life insurance
❌ Walang guaranteed annual payout
❌ Walang premium return feature

PRUWealth 10 Flex Elite
✔ 11% Guaranteed Annual Payout (starting Year 3) ✔ 220% Life Insurance Protection
✔ 100% Full Premium Return after 10 Years
✔ 2 Years to Pay
✔ Wealth Preservation + Legacy Planning

Kung mayroon kang ₱1M o higit pa na gusto mong ilagay sa isang financial solution na may guaranteed payouts, insurance protection, at premium return, tara pag-usapan natin kung bagay ito sa iyong financial goals.

📩 Send me a message for a personalized proposal.

This is what happens when you genuinely take care of your clients. 🥰

One referral leads to another, and soon you’re helping protect the people they love most.

✅ 51-year-old father – 𝐄𝐥𝐢𝐭𝐞 𝟏𝟎 𝐏𝐨𝐥𝐢𝐜𝐲 𝐀𝐩𝐩𝐫𝐨𝐯𝐞𝐝
✅ 25-year-old fiancé – 𝐄𝐥𝐢𝐭𝐞 𝟏𝟓 𝐏𝐨𝐥𝐢𝐜𝐲 𝐀𝐩𝐩𝐫𝐨𝐯𝐞𝐝
in just 3-mins!

A family that plans and protects together can face the future with greater confidence and peace of mind. ❤️

If you’re looking for a trusted Family Insurance Advisor from Pru Life UK, feel free to send me a message. ☺️
PRU Life U.K. Financial Consultant - Racia Aberion

📣 Good news, OFWs! Pwede na ulit magprocess ng insurance application sa PRU Life UK habang nakabakasyon kayo dito sa Philippines. ✈️🇵🇭

Secure your health and life protection before bumalik abroad. 💙✨

𝗪𝗮𝗹𝗮𝗻𝗴 𝗴𝘂𝘀𝘁𝗼𝗻𝗴 𝗺𝗮-𝘀𝘁𝗿𝗼𝗸𝗲 𝗼 𝗺𝗮-𝗵𝗼𝘀𝗽𝗶𝘁𝗮𝗹𝗶𝘇𝗲𝗱.

But no matter how careful we are, life’s uncertainties can happen anytime. 🥲

𝘛𝘩𝘪𝘴 𝘪𝘴 𝘸𝘩𝘺 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘱𝘳𝘦𝘱𝘢𝘳𝘢𝘵𝘪𝘰𝘯 𝘮𝘢𝘵𝘵𝘦𝘳𝘴.

My aunt got her insurance policy in 2023 as part of her future and retirement planning. Healthy siya during application, kaya hindi rin niya inexpect na magka-stroke.

After her hospitalization and claim processing, she received:

𝗖𝗿𝗶𝘁𝗶𝗰𝗮𝗹 𝗜𝗹𝗹𝗻𝗲𝘀𝘀 𝗖𝗹𝗮𝗶𝗺 – ₱𝟰𝟬𝟬,𝟬𝟬𝟬
𝗗𝗮𝗶𝗹𝘆 𝗛𝗼𝘀𝗽𝗶𝘁𝗮𝗹 𝗔𝗹𝗹𝗼𝘄𝗮𝗻𝗰𝗲 – ₱𝟵,𝟬𝟬𝟬
𝗧𝗼𝘁𝗮𝗹 𝗖𝗹𝗮𝗶𝗺𝘀 𝗥𝗲𝗰𝗲𝗶𝘃𝗲𝗱: ₱𝟰𝟬𝟵,𝟬𝟬𝟬

And malaking tulong ito especially during recovery — therapy, medications, follow-up checkups, and other continuous expenses after discharge.

𝙄𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚 𝙞𝙨 𝙣𝙤𝙩 𝙟𝙪𝙨𝙩 𝙛𝙤𝙧 𝙩𝙝𝙚 𝙬𝙚𝙖𝙡𝙩𝙝𝙮.
𝘐𝘵’𝘴 𝘢 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘵𝘰𝘰𝘭 𝘥𝘦𝘴𝘪𝘨𝘯𝘦𝘥 𝘵𝘰 𝘩𝘦𝘭𝘱 𝘱𝘳𝘰𝘵𝘦𝘤𝘵 𝘧𝘢𝘮𝘪𝘭𝘪𝘦𝘴 𝘧𝘳𝘰𝘮 𝘶𝘯𝘦𝘹𝘱𝘦𝘤𝘵𝘦𝘥 𝘮𝘦𝘥𝘪𝘤𝘢𝘭 𝘢𝘯𝘥 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘣𝘶𝘳𝘥𝘦𝘯𝘴.

So kapag may nagsabi sa’yo na “𝗵𝗲𝗮𝗹𝘁𝗵𝘆 𝗸𝗮 𝗽𝗮 𝗻𝗮𝗺𝗮𝗻, 𝗵𝗶𝗻𝗱𝗶 𝗺𝗼 𝗽𝗮 𝗸𝗮𝗶𝗹𝗮𝗻𝗴𝗮𝗻 𝗻𝗴 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲,” think twice!

Ask yourself too — 𝘪𝘧 𝘢 𝘮𝘦𝘥𝘪𝘤𝘢𝘭 𝘦𝘮𝘦𝘳𝘨𝘦𝘯𝘤𝘺 𝘩𝘢𝘱𝘱𝘦𝘯𝘴, 𝘢𝘳𝘦 𝘵𝘩𝘰𝘴𝘦 𝘴𝘢𝘮𝘦 𝘱𝘦𝘰𝘱𝘭𝘦 𝘸𝘪𝘭𝘭𝘪𝘯𝘨 𝘢𝘯𝘥 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭𝘭𝘺 𝘤𝘢𝘱𝘢𝘣𝘭𝘦 𝘵𝘰 𝘴𝘶𝘱𝘱𝘰𝘳𝘵 𝘺𝘰𝘶𝘳 𝘩𝘦𝘢𝘭𝘵𝘩𝘤𝘢𝘳𝘦 𝘦𝘹𝘱𝘦𝘯𝘴𝘦𝘴?

Because being healthy today doesn’t guarantee na healthy forever. That’s why mas magandang magplano habang kaya pa, habang insurable pa, at habang mas affordable pa ang protection.

Financial literacy is not just about growing money — it’s also about protecting it. ✨





PRU Life U.K. Financial Consultant - Racia Aberion

“Racia, I have HMO — would that be enough?”

My honest answer?
It’s a great start… but they serve different purposes.

Your HMO is designed for day-to-day and short-term medical needs — consultations, laboratory tests, hospitalization coverage within limits.

But personal insurance is built for the bigger financial risks life can bring, such as:

• critical illness
• loss of income
• disability
• death benefit for the family
• long-term financial protection

A lot of people only realize the gap when:

* the hospital bill exceeds the HMO limit
* recovery takes months and income stops
* they leave the company and lose the coverage

That’s why I usually say:

**HMO protects your hospital bills.**
**Insurance protects your financial life.**

The goal isn’t “HMO vs Insurance.”
The goal is making sure you’re protected both medically and financially.