Financial Advisor PruLife UK - Richard C. Cadawas

Ito ang closure na may security and peace of mind.

Paano? Message mo ako para malaman mo 😉

Mainit init pa!

𝐏𝐑𝐔 𝐋𝐈𝐅𝐄 𝐔𝐊 𝐈𝐒 𝐍𝐮𝐦𝐛𝐞𝐫 𝟏!

Thank you dear clients for your support for helping us do our jobs in prutecting lives and help Filipinos by spreading financial literacy.

Consider this:
• Turning P3,000 into P3,009.50 is called a 𝐁𝐀𝐍𝐊. 🏦
• Turning P3,000 into P3,300 is called an 𝐈𝐍𝐕𝐄𝐒𝐓𝐌𝐄𝐍𝐓. 📈
• Turning P3,000 into Php 2,000,000 is called an 𝐈𝐍𝐒𝐔𝐑𝐀𝐍𝐂𝐄.💰💰

𝐆𝐨𝐨𝐝 𝐭𝐡𝐢𝐧𝐠 𝐲𝐨𝐮 𝐜𝐚𝐧 𝐛𝐞 𝐢𝐧𝐬𝐮𝐫𝐞𝐝 𝐰𝐡𝐢𝐥𝐞 𝐢𝐧𝐯𝐞𝐬𝐭𝐢𝐧𝐠.

A person, no matter how capable he is in his lifetime, cannot avoid two things, — sickness and death. 🦠⚰️

When a person is bedridden: 🧑🏻‍🦼
1. A gift of Php 5,000 could be from 𝐅𝐑𝐈𝐄𝐍𝐃𝐒.
2. A gift of Php 50,000 could be from 𝐑𝐄𝐋𝐀𝐓𝐈𝐕𝐄𝐒.
3. A gift of Php 500,000 OR MORE could be from 𝐋𝐈𝐅𝐄 𝐈𝐍𝐒𝐔𝐑𝐀𝐍𝐂𝐄.

𝐆𝐞𝐭 𝐢𝐧𝐬𝐮𝐫𝐞𝐝 𝐰𝐡𝐢𝐥𝐞 𝐲𝐨𝐮 𝐬𝐭𝐢𝐥𝐥 𝐜𝐚𝐧.

Life insurance is like a basic safety step in your financial plan. It's there to make sure that if something unexpected happens to you, your family will have the money they need to keep going.

Everyone's story has the same end; we just don't know when. That's why having life insurance is smart. It puts a safety net under your family's future.

Think of your money plan like building a house. You wouldn't start with the roof, right? You'd start with a solid foundation. Life insurance is that foundation. It protects your family's future, so you can then focus on growing your savings and sharing it out when the time is right.

Make sure your financial house is built on solid ground. Start with life insurance, and then build up from there.

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May anak ka? 🧒👧👶 Get insurance ✅️

May asawa ka? 💍 Get insurance ✅️

Single ka pero ikaw breadwinner? 🙋‍♀️🙋‍♂️ Get insurance ✅️

May amortization ka sa lupa at bahay? 🏡 Get insurance ✅️

Smart people plan for the unexpected situations. Kasama dapat ang insurance plan sa paggawa ng pamilya, pag-protect ng income at pagkuha ng assets.

Hindi siya dapat optional. Sana ma-realize natin lahat ito 👍🏼

BUSINESS OWNER INSURANCE

𝗔 𝗣𝗿𝗼𝗺𝗶𝘀𝗲 𝗙𝘂𝗹𝗳𝗶𝗹𝗹𝗲𝗱
₱𝟮𝟮,𝟵𝟴𝟰,𝟬𝟱𝟳.𝟲𝟯 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗖𝗹𝗮𝗶𝗺 😇

The client is a 47 year old businessman, active and with a healthy lifestyle.

He was only depositing 700K yearly for 7 years (A total of 4.9M Premium Paid) and it only took less than 1 month for the cheque to be released to his family.

One thing I have learned about businessmen is they know how to protect their assets as much as they know how to earn them.

Why am I sharing this?

✅ If you are earning well either in work or in business, you can do the same as the client did, invest a portion to Life Insurance, so your loved ones will still continue the life you have envisioned even at the time of demise;

✅ For smooth processing of claims, always make sure that the requirements to be submitted are complete;

✅ For those who do not believe in the power of Life Insurance due to their own reasons or worst due to “tsismis”.

For consultation about life insurance with savings plan, feel free to message me for details 💖

CTTO

HEALTH CARD (HMO) or
LIFE & HEALTH INSURANCE?

There seems to be a lot of confusion when people talk about "health insurance."

Technically, may dalawa kasing types of health assistance.

1. Health Card from a Health Maintenance Organization a.k.a. HMO (e.g. Maxicare, Medicard, Intellicare, etc.)

2. Life Insurance with Critical Illness Benefits from a Life Insurance Company.

People often ask kung alin ba sa dalawa dapat 'yung meron tayo?

These are 2 different kinds of insurances that serve 2 different purposes.

✨ HEALTH CARD (HMO)
📌 Pag may health card ka from HMO, babayaran nila directly sa hospital lahat ng gagastusin hanggang sa maximum limit ng plan niyo.

📌 Kasama dito ang check-ups, lab tests, doctors' fees, etc. Usually kaakibat nito ang PhilHealth.

📌 Ang HMO company na ang nagbabayad directly sa ospital ng bills, so wala ka nang ilalabas na pera. Pero usually maliit lang ito at hindi sapat ma-cover lahat ng gastos if ever magkaroon ng critical illness. Limited amount lang ang covered hanggang diagnosis lang.

📌 Hanggang 60 or 65 yrs old lang din usually ang coverage nito, at magagamit mo ang benefits sa accredited hospitals lang nila.

📌 The benefit is you don't have to worry about the amount of medical expenses na kailangan bayaran on the spot. Di mo kailangan maglabas ng cash pag na-emergency ka, o bigla kang naospital, o kapag magpapacheck up ka.

✨ LIFE INSURANCE WITH HEALTH BENEFITS
📌 Ang life insurance naman na may critical illness benefits, sa iyo ibibigay directly 'yung pera regardless kung magkano ang magastos mo sa pagpapagamot.

📌 Halimbawa, kung madiagnose ka ng sakit like cancer, heart attack, stroke, etc - ikaw mismo ang makakakuha ng pera. Sayo directly mapupunta yung cash, lump sum.

📌 Pwede niyo siya gamitin pangdagdag for treatments, or to replace the income na mawawala sayo.

📌 Coverage is usually until age 75 or 100, and the amount can range from Php 500,000.00 to Php 15,000,000.00.. You'll get this in cash if you get diagnosed with a critical illness.

📌 The benefit is, it's all up to you kung paano at saan siya gagamitin, basta ibibigay na lang sayo yung cash. Pwede mo 'to magamit kung gusto mo rin magpagamot sa ibang bansa, o para mag-avail ng treatments for critical illness na hindi na covered ng health card mo.

✨ WHICH ONE TO GET?
🚩 I believe that it's important to have BOTH. Yes, BOTH.

In the end kasi, they complement each other. Kung ano yung kulang sa isa, napupunan ng isa.

For health cards, usually kasama na 'to sa benefits from your company. So kung meron ka nang ganito from your employer - congrats! You don't need to pay for it out of pocket anymore. Double check mo na lang kung sapat ba yung benefits na offered.

For health insurance, very rare that employers offer this as a benefit. So it's highly likely that you have to purchase one for yourself.

✨ HOW TO AVAIL?
If walang health card yung employer mo or if you're a freelancer, you can get a health card directly from the companies themselves, just visit their websites. Or look for an accredited agent or broker.

For health insurance (life insurance with health benefits), you can contact me or you can comment below so we can design one that fits your budget and needs 👇

No one can really predict when illnesses or emergencies come (nor can we stop them).
✅ Health Card
✅ Life and Heallth insurance.

Setting a budget for healthcare is normally treated as expense because it is intangible, you can't hold it, you can't touch it, you can't brag it on Social Media. But getting sick, having medical expense or premature death is more expensive. So it’s something that's very useful to have (even though I hope that we would never need to use it). But still reality is most people get sick before they die. Better be prepared!

Stay healthy everyone!❤

Its a sign! Message mo ako pag nabasa mo

Happy hormones = Positive Energy = Positive Results!

"𝙋𝙖𝙜𝙠𝙖𝙠𝙖𝙠𝙞𝙩𝙖𝙖𝙣 𝙡𝙖𝙣𝙜 𝙖𝙠𝙤 𝙣𝙮𝙖𝙣.."

Yan ang isa sa mindset natin kapag merong ahente na nag ooffer ng insurance sa atin.

At marami pang dahilan. "Gastos, Di ko need, I don't believe, etc."

𝗣𝗲𝗿𝗼 𝗮𝗹𝗮𝗺 𝗺𝗼 𝗯𝗮 𝗸𝘂𝗻𝗴 𝗯𝗮𝗸𝗶𝘁 𝗸𝗮 𝗻𝘆𝗮 𝗸𝗶𝗻𝘂𝗸𝘂𝗹𝗶𝘁?

On a financial advisor's perspective, tuloy ang aming trabaho kahit nireject ng tao ang Life Insurance. Walang mawawala sa amin.

𝗣𝗲𝗿𝗼 𝘀𝗮𝘆𝗼, 𝗮𝘁 𝘀𝗮 𝗳𝗮𝗺𝗶𝗹𝘆 𝗺𝗼, 𝗠𝗘𝗥𝗢𝗡.

Kaya kami nangungulit dahil ayaw namin mangyari sa inyo ito. ⬇

Believe me, 𝗺𝗮𝘀𝗮𝗸𝗶𝘁 𝘆𝗮𝗻.

I have several experiences with people na inieducate ko about the value of Life Insurance but ended up binaliwala. Eventually mabalitaan ko na lang nagkasakit at maagamg namatay. 😢 It hurts me so much. 💔 Knowing that they are begging for financial assistance because they can't affort the price of being sick.

Think about it, sa panahon ngayon dapat advance na mag-isip.a

Very well said

Kailan ba dapat mag #creditcard