WealthCrafting

Why people need more life & health insurance & savings plans?

1) A lot of people are not living longer but DYING LONGER.

Meaning, 30yo pa lang, diabetic na. Long term medical fund.

2) On average, medical expenses to cure critical illness (CI) amount to 1/3 a normal person's life savings - say a person can save 10M in his lifetime. 3M agad non, pang CI nya lang.

3) The inflation in medical cost (8.5%) is always bigger & faster than the increase in salary.

4) Trend: Savings Interest rate continues to decrease, while Cost of Living increases.

5) Longevity Risk: Savings run out earlier than Life Span. Save more, save early.

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#PRUTipsForYou: Elderly family members can create a secure financial future while leaving a lasting legacy. #OurReasonIsYou

Hello K-Drama Fans friends!

Have you ever noticed that insurance and investments are often mentioned in most of K-Dramas?

South Korea ranks as one of the highest in terms of insurance pe*******on across Asia-Pacific, Europe and US.

While Philippines is 2nd to the lowest. 😭
We have to break the statistics. Let's make your family's future certain because life is uncertain.

Let me help you and your family. ♥️

👨‍💼Father’s Day is approaching!

Give the ultimate gift this Father’s Day:
✨Financially secured future for your family. ✨

Let me help you! 📲

Did you know that when someone passes away, the family cannot withdraw the savings💰on his/her bank account, right away?

The bank freezes the account and checks the tax obligations of the depositor. Then, his family should pay the ESTATE TAX before the proceeds can be released. Not only that, there is also a need to pay for Surety Bond, coverage should be for 2 years on top of all the documentations needed to be able to withdraw the deceased account/s in the bank.

For how long??? Make sure you have extra cash and the patience to withstand the wait...

This is why having Life insurance is important too. If the Insured passes away, the beneficiaries will not only receive million(s) of the guaranteed sum assured plus the returns of the said investment in the stock market, they don't need to pay extra. It's tax free. Nothing to lose, so much to gain...am sure, the very reason you are working so hard and saving for the future, is to make sure that your family will enjoy a good life, with or without you.

Life Insurance is your Family's umbrella to life's unexpected showers.

You don't need it unless it starts to rain, but if you don't have it with you when it's already raining, it's too late to go home and get it.

Know your options! Let me help you get a plan that suits your needs! Message me to know more!

Tricky question pero pag usapan natin!

Kung investment lang ang usapin ang sagot ay meron! PERO sa kondisyon na LONGTERM PLAN! Too good to be true kung mag iinvest ka lang then after ilang weeks and months triple na ang returns? hehe mag isip ka na kapag ganyan.

Marami tayong factors na need i-consider sa pagkuha ng plan at ito ang sumusunod:

1. Ano bang goal mo sa pagkuha ng plan? Hindi kasi siya one size fits all plan. Ang bawat insurance (with investment component) plan ay may iba’t ibang goal mahalaga na i-identify mo muna.

2. Capacity to sustain your premium! Sayang ang plan na naumpisahan dala lang ng pressure. Identify natin ang cash flow at priorities natin. Mark up sa max and minimum na naka factor in ang ating life goals (New Car, New House, Retirement, Education, Estate Plan among others)

3. Ang bawat plan ay may guaranteed protection income! at kung returns ang usapin panalo ka na at ang family mo sa coverage pa lang in case dumating iba’t ibang life uncertainties (Sickness, Accident, Death)

4. Huwag mo lang tignan na investment vehicle ang mga VUL Plans (Lalo na kung mag start ka pa lang kumuha) Balewala ang investment kung hindi complete ang protection coverage. I-consider na maglagay ng mga rider gaya ng Critical Illness Benefit, ICU Benefit, Daily Hospital Income Benefit.

Bago ang wealth accumulation need muna natin idevelop ang foundation! Protection sa iyong biggest asset! You!

5. Malaking factor ang iyong age sa pag-compute ng iyong premium. Maraming mga tao hindi narerealize ito. Habang tumataas ang age natin tumataas din ang risk kaya mas lalong nadadagdagan ang value ng premium natin. Kaya madalas mas mainam na habang bata pa insured na.

Hi all!! My team is expanding and we are looking for hardworking and passionate people who would like to join us as Insurance Brokers.

You will have the following benefits:
✅ Weekly Commissions (20K - 80K monthly)
✅ Agent’s Savings Fund
✅ Monthly Bonus up to 15%
✅ Quarterly Bonus up to 40%
✅ Travel Incentives (Convertible to cash ranging from 30k-250k per seat)

DM me for more details. ☺️

You’re all eomma-zing! ✨💐✨

Mother's Day Special! 🥰

Let's show our moms our love and appreciation.

Message me for free sample qoutation. 💌🥰

✨Step Up Graduation last May 3rd✨

Forever grateful to Pru Life UK for providing leadership programs specifically to those FAs aspiring to do agency building. 🌱

Congratulations to all newly promoted Unit Managers!

✨Secured a 30 year old father today!✨

Congratulations to my client for getting financially protected especially now that he has a 2 month old baby girl. 💖

Just by saving 100 pesos per day in a month, he now has the following financial protection:

✨Pamana: 2.5M
✨Permanent Disability benefit: 500K
✨Accident benefit: 1M
✨Critical Illness benefit: 1M
✨Hospitalization benefit: 1k per day for 365 days
✨Waiver on total disability

And investment dedicated for his child’s education. ☘️

Thank you po for the trust and for believing in the power of life insurance. 🙇🏻‍♀️