Mabelita

Sunday Ride 🩷

Maraming nag NO. pero di pa din mayaman until today 😆

BASTED HAHA..

"Next time na lang ha"
"Ask ko muna si misis"
"Pag napromote ako kukuha na ako"
"Dami ko pa kasi bayarin"
..and excuses go on😔
Hanggang sa nauna na dumating ang di inaasahang panyayari like illness, accident, disability and death.
DONT LET THIS HAPPEN. Get insured while you are young, healthy and still earning.
Mga wais na misis, anong dahilan para pagbawalan si mister kumuha ng insurance kung ikaw at mga anak mo naman ang magbebenipisyo pag sya ay nawala.
Mas gugustuhin mo bang maghirap kayo ng mga anak mo o tuloy ang masaganang buhay dahil sa coverage ng iyong asawa? pagisipan mong mabuti dahil ayaw kong magsisi ka sa huli 💛

Free Online Financial Consultation

Gusto mo bang matutunan mag-ipon at invest?
Gusto mo din bang protektahan ang iyong finances (Money) from any risk?
FREE Online financial Consultation (One on one coaching on Financial Money Management)
For all interested to attend, this is for free,
Reserve your slot.

Your Financial Advisor from PRU

This is how financially works, when it come to your savings/investment.
And let me assit on these 👇👇👇
Msgs me for more details 💌 🤑❤

Ika nga ni mareng kakai 😆

Real talk sa usapang life insurance.

Marami akong nakikitang ganitong post kagaya ng nasa ibaba. But as an insurance advisor myself, di ko mapigilang hindi mag-comment. Gets ko naman na gusto nating i-highlight ang benefits ng life insurance pero medyo problematic yung ganitong post, in my opinion lang naman.

“May 1500 ka, nilagay mo sa bank, nadisabled ka bukas, 1500 lang makukuha mo”
👉🏻 Pinaka-basic pa rin na meron tayong liquid cash na pwedeng magamit for immediate needs.
👉🏻 Savings and insurance serve very different purposes. Savings ay literal na pag-iipon ng pera, possibly for immediate or short-term needs/goals. Ang insurance naman ay isang risk management tool na kukunin mo para may financial aid ka in the event na mangyari sayo yung unfortunate event.
👉🏻 Hindi nila alternative ang isa’t isa. Allocate resources in these two separately.

“May 1500 ka, pinangkuha mo ng life insurance plan, nadisabled ka bukas, may 2 million ka.”
👉🏻 Okay hindi naman sa nililiteral ko no, pero hindi rin naman tayo maaapprove sa insurance application kinabukasan agad-agad 😅 Yes merong temporary life insurance sa ibang company provided na nagbayad ka na, pero hindi naman covered ang disability dito.
👉🏻 “Life insurance” ang usapan, hindi laging merong cash benefit for disability sa ganitong plans. Usually yung “2 million” benefit sa ganito is referring to DEATH benefit. So kahit kumuha ka ng life insurance, pero walang cash benefit for disability yung plan mo, wala kang makukuha.
👉🏻 For minor accidents, mainam na merong personal accident insurance which usually ay nabibili sa non-life insurance providers.
👉🏻 For major disabilities, like loss of limbs, blindness, deafness, etc. - yung ibang life insurance plans ay merong riders na pwede nyong lagyan ng nagcocover sa ganitong conditions. Pwedeng ”Accidental Death, Dismemberment, Disablement” Benefit, or yung ibang Critical Illness Benefit ay sinasama rin yung ganitong conditions. Dito believable yung “2 million” pag nadisable.
👉🏻 However check nyo pa rin dahil may waiting period minsan ang mga ganitong benefit. Just because it happened to you a day after approval ng insurance, does not always automatically mean na entitled na kayo sa benefit. Basahing mabuti ang fine print ng policy.

Ayoko lang na mag-overpromise sa mga clients, lalo na pag nakakakita sila ng ganitong posts so nabbring up nila sa akin. To my fellow insurance agents, let us not over-sell; let’s be transparent and set the right expectations sa mga kumukuha ng insurance plans. 😊