Tita Prudence of Manila

BREAKING: Over 130 bank accounts and insurance policies of individuals involved in the infamous corruption in flood control projects will be frozen by the Anti-Money Laundering Council (AMLC). | Derx Rosal

Kung yung iba ay pinopost at binibida ang fund value ng VUL na tumaas, iba naman ‘tong sa akin — ipopost at ibibida ko ang fund value na bumaba. And here’s why…

As you can see in the photo below, this policy has been unpaid since January 2021. No’ng November 22, 2022, the fund value was still ₱65,970.99. Fast forward to today — still unpaid since January of 2021 — the fund value is now ₱52,607.49.

So bakit ko ba hina-highlight ‘to eh obvious naman na hindi kumita ang client? Simple lang. Kasi the plan’s fund value served its primary purpose — to sustain the policy.

Yes, yan talaga ang main role ng fund value sa isang VUL. Hindi ito primarily para yumaman ka in the future (though growth is possible). Ang pinaka-purpose niya is to keep your insurance coverages in force or active kahit hindi ka makapagbayad ng premiums for a time, in this case, for more than four years pa nga, kasi nababayaran pa rin ang insurance charges. Ayus ‘di ba?

Ito rin ang dahilan kung bakit mas mataas ang premium ng VUL compared sa Term Insurance. Pareho silang tumataas ang cost of insurance every year — pero sa VUL, you’re asked to “stock up” on units during the earlier years. Para bang nag-o-overpay ka sa simula. Ito ay para hindi sya tulad ng sa Term Insurance na ‘di ka lang makapagbayad ng isang buwan, lapsed na ang policy agad, and reinstatement or reactivating it is not even guaranteed as it can ask for medical requirements na, na hindi ka always guaranteed na maipapasa mo by then. Also, it is to anticipate the bigger insurance charges later on. That way, you can keep paying a fixed premium while still ensuring na sustainable at active ang insurance coverage mo through the years.

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Kukuha ka ng insurance para ma-protect ang assets mo -- para 'di maubos ang savings mo sa bank, para 'di mo mabenta yung property o bahay mo at para 'di mo magalaw yung pambili mo ng pangarap mo.

Kailangan mo lang mag-set aside ng portion ng income mo.

Pa-assess ka sa 'yong trusted insurance advisor kung magkano ang plan na kasya sa income mo.

Protect your hard-earned money. 👌

Accomplished our 2025 𝐀𝐍𝐍𝐔𝐀𝐋 𝐂𝐎𝐌𝐏𝐋𝐈𝐀𝐍𝐂𝐄 𝐑𝐄𝐅𝐑𝐄𝐒𝐇𝐄𝐑 𝐂𝐎𝐔𝐑𝐒𝐄𝐒 🏆
Protecting my clients' interest is my #1 priority 🌟

Passed the 2025 Annual Compliance Refresher Assessment Course Prudential Anti-Bribery and Corruption (ABC) and Prudential Anti-Money Laundering (AML).
🎯 Insurance Commision
🎯 Career Agent's Master Agreement (CAMA)
🎯 Anti-Money Laundering Act (AMLA)
🎯 Data Privacy Act
🎯 Anti-Bribery and Corruption (ABC)

Every Licensed Financial Advisor needs to accomplish our mandatory yearly refresher course to ensure that we are knowledgeable enough about the business.

#AgendaWeekend | Ilan sa mga Pilipino ngayon ang kumukuha na rin ng insurance products na may kasamang guaranteed income. Bukod sa dagdag investments, hindi rin ito apektado ng rate cut sa bansa. Narito ang Agenda Weekend report ni Sujin Kim.

"I invoke my riceofpersonificuminationyourhonor"

For inquiries: https://linktr.ee/KimCNale