Aldous Steven Ariz - Financial Advisor PRU LIFE UK

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Gamitin ko itong isang comment para i-explain ko ang structure ng VUL.

Read the comment first, then read this response:
👇

Tama sa first part ng sinabi. Kasi VUL is an insurance plan. You will pay for admin charges and insurance charges. And the insurance charges ay continuous.

Pero saan mali ang sinabi nyo?
Here:

You paid for 10 years.
Total of 650k according sa inyo ang naihulog.
Sa contract terms, ang tawag dyan, PREMIUM.

650K/10 years = 65k/year
So I assume, 65k/year ang premium nyo.

Then after 10 years, you looked into it,
You saw the fund value is 300k na lang.
So FUND VALUE = 300K.

Then you concluded na 35k/year ang "premium"

Wrong. I think what you did here is (650k - 300k = 350k. 350k/10 years = 35k/year).

And then you proceed by telling that in 2035 (9 years from now), wala nang fund to cover insurance. Kasi nga naman 9 years x 35k/year will exceed the remaining 300k.

The concept is actually in the right direction pero naging oversimplified and maraming factors ang namiss out.

1. Here's the actual flow of most VUL plans.
Premium ➡️ Admin charges ➡️ Fund Value ➡️ Insurance charges.

Kaso ang admin charges, kalimitan, front-loaded. Malaki nababawas sa early years. And little to none na pag dating later years. Sample, sa regular-pay plan namin, first 3 years, ito ang admin charges (premium charge):
Year 1: 100% of your premium
Year 2: 50% of your premium
Year 3: 50% of your premium
Year 4 onwards: 0 na.

So in the first 3 years, nakaltas na ang admin charge amounting to 200% or 2 years worth of your premiums. (In your case, that is 65k x 200% = 130k already).

2. In the 10 years that passed, may effect ang fund performance. Kasi daily exposed ang fund mo sa galaw ng market. So what happens in your 10 years, does not directly affect or predict what will happen in the next 10 years.

If we are going to lay out what happened with your premium payment for 10 years, assuming the structure I mentioned, ganito sya:

You paid 65k/year PREMIUM
In 10 years, that's 650k.

Premium charge/admin charge roughly amounts to 200% of annual premium. So 130k.

650k - 130k = 520k

520k talaga ang totoong napunta sa fund value, not the whole 650k.

Then what happened with your 520k?
Monthly kakaltasan sya ng insurance charges depending on how big your insurance benefits. Yearly tumataas yan.

Then factor in what happened as well with your fund performance. Tumaas ba from 10 years ago? Or bumaba ang unit prices?

Lets talk about the 2 scenarios:
A. Bumaba ang unit price from 10 years ago. So Investment loss of lets say 100k pesos.

B. Tumaas ang unit price from 10 years ago. So investment gaon of lets say 100k pesos.

Sa scenario A,
Premium: 650k
Less: Admin charges: (130k)
Less: Investment loss (100k)
Less: Insurance charges (120k)
Remaining fund value: 300k

So meaning 120k in 10 years ang iyong insurance charges. That's 12k/year.
In the next 10 years, mas mataas yan.
So assuming from 120k to 200k (for the next 10 years), your fund value can sustain it. (Not considering pa ang fund performance)

Scenario B:
Premium: 650k
Less Admin charge: (130k)
+ Investment gain: +100k
Less insurance charge: (320k)
Remaining fund value: 300k

So kung ganito ang nangyari, na tumaas ang fund value mo, the insurance cost is 320k.

So kung tumubo naman ang fund value mo, then, that means, FUND GAIN. Hindi lugi sa VUL. If you pertain to the investments.

Mas mabuting tingnan how much ang actual charges na nabawas sa atin.

Para mas magegets natin yung future charges and future fund value.

Kasi one thing is evident, wala nang premium charge na ikakaltas. Yun kasi ang nagpalaki sa charges. Kaya in the first 10 years, laging lugi ang narrative ng mga VUL clients.

Pero if we really understand how VUL's fund value works, then gets natin na talagang may gastos dito.

Magandang Umaga! 🤗✨

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