Patrick Hernandez - Insurance Advisor

Financial Planning, Filipino Edition. 😆

Emergency? Isang click lang, GLoan or SLoan na ’yan!

May sakit? Dalhin agad sa pinakamalapit na albularyo at painumin ng luya.

Magko-kolehiyo? Ilapit na ’yan kay Mayor. Basta iboto natin, ha?

Retirement fund?
“Anak, ikaw na ang bahala. May utang ka sa amin dahil pinalaki ka namin.”

Nakakatawa, pero nakakalungkot isipin na minsan, ito talaga ang reality.

Sana dumating yung panahon na mas marami sa atin ang magkaroon ng mas magandang choices or option in the future. ❤️

The Power of VUL (Life Insurance with Investment Component) 🙌

For 1 year and 8 months, hindi nakabayad si client. But because may fund value (investment) siya, na-sustain nito ang insurance charges, kaya nanatiling active or in force ang policy.

Unfortunately, na-diagnose si client ng sakit during that time—and was able to claim ₱3M+ from the policy.

Get well soon, client. 🙏

This is one of the reasons why VUL is protection first. 🛡️

Yung investment component? One of its purposes is to help sustain your policy kapag nagkaroon ka ng financial challenges at hindi ka makapagbayad temporarily.

Kaya kung may VUL ka, stop comparing it to pure investments dahil magkaiba sila ng purpose.

VUL — Protection first, with an investment component that can help support and sustain the policy.

Pure Investment — Primarily for wealth growth, but it doesn’t come with life insurance protection. Kaya importanteng may protection muna bago mag-focus solely on wealth growth.

𝟏 𝐘𝐄𝐀𝐑 & 𝟖 𝐌𝐎𝐍𝐓𝐇𝐒 𝐖𝐈𝐓𝐇𝐎𝐔𝐓 𝐏𝐀𝐘𝐈𝐍𝐆 𝐏𝐑𝐄𝐌𝐈𝐔𝐌𝐒 — 𝐘𝐄𝐓 𝐏𝐑𝐔 𝐋𝐈𝐅𝐄 𝐔𝐊 𝐒𝐓𝐈𝐋𝐋 𝐏𝐀𝐈𝐃 ₱𝟑 𝐌𝐈𝐋𝐋𝐈𝐎𝐍. 😭❤️

₱𝟯,𝟎𝟗𝟕,𝟗𝟏𝟑.𝟗𝟓 𝗖𝗟𝗔𝗜𝗠 𝗔𝗣𝗣𝗥𝗢𝗩𝗘𝗗! 🎉

My client’s policy was still IN FORCE, thanks to it’s sufficient fund value, when he suffered a stroke, resulting in Critical Illness and Disability.

𝙏𝙝𝙞𝙨 𝙞𝙨 𝙤𝙣𝙚 𝙤𝙛 𝙩𝙝𝙚 𝙥𝙤𝙬𝙚𝙧𝙛𝙪𝙡 𝙛𝙚𝙖𝙩𝙪𝙧𝙚𝙨 𝙤𝙛 𝙑𝙐𝙇. 𝘼𝙨 𝙡𝙤𝙣𝙜 𝙖𝙨 𝙩𝙝𝙚𝙧𝙚 𝙞𝙨 𝙨𝙪𝙛𝙛𝙞𝙘𝙞𝙚𝙣𝙩 𝙛𝙪𝙣𝙙 𝙫𝙖𝙡𝙪𝙚 𝙩𝙤 𝙘𝙤𝙫𝙚𝙧 𝙩𝙝𝙚 𝙖𝙥𝙥𝙡𝙞𝙘𝙖𝙗𝙡𝙚 𝙥𝙤𝙡𝙞𝙘𝙮 𝙘𝙝𝙖𝙧𝙜𝙚𝙨, 𝙮𝙤𝙪𝙧 𝙥𝙧𝙤𝙩𝙚𝙘𝙩𝙞𝙤𝙣 𝙘𝙖𝙣 𝙘𝙤𝙣𝙩𝙞𝙣𝙪𝙚 𝙚𝙫𝙚𝙣 𝙬𝙝𝙚𝙣 𝙮𝙤𝙪 𝙩𝙚𝙢𝙥𝙤𝙧𝙖𝙧𝙞𝙡𝙮 𝙨𝙩𝙤𝙥 𝙥𝙖𝙮𝙞𝙣𝙜 𝙥𝙧𝙚𝙢𝙞𝙪𝙢𝙨.

This is more than just a claim, this ₱3M benefit will be a big help in our client’s recovery — giving him financial support while he focuses on his health, healing, and getting back on his feet. 🙏🏻

𝐈𝐦𝐚𝐠𝐢𝐧𝐞 𝐧𝐞𝐞𝐝𝐢𝐧𝐠 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐬𝐮𝐩𝐩𝐨𝐫𝐭 𝐚𝐭 𝐨𝐧𝐞 𝐨𝐟 𝐭𝐡𝐞 𝐡𝐚𝐫𝐝𝐞𝐬𝐭 𝐦𝐨𝐦𝐞𝐧𝐭𝐬 𝐨𝐟 𝐲𝐨𝐮𝐫 𝐥𝐢𝐟𝐞… 𝐚𝐧𝐝 𝐲𝐨𝐮𝐫 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐢𝐬 𝐭𝐡𝐞𝐫𝐞. 🛡️

Hindi natin alam kung kailan mangyayari ang unexpected. Kaya habang healthy pa, protect yourself.

And to my client, thank you for trusting me as your Financial Advisor. 🙏🏻

Today, I’m grateful that I was able to fulfill my duty — to be there, to assist, and to make sure you receive the protection you worked hard for when you needed it most.