Pru-Life UK Financial Consultant - Reedmond Karl Delos Santos

𝗬𝗢𝗨 𝗖𝗔𝗡 𝗡𝗘𝗩𝗘𝗥 𝗚𝗢 𝗪𝗥𝗢𝗡𝗚 𝗪𝗜𝗧𝗛 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 𝗔𝗡𝗗 𝗜𝗡𝗩𝗘𝗦𝗧𝗠𝗘𝗡𝗧💰

𝗕𝗘 𝗜𝗡𝗦𝗨𝗥𝗘𝗗 𝗪𝗛𝗜𝗟𝗘 𝗜𝗡𝗩𝗘𝗦𝗧𝗜𝗡𝗚✨
𝗕𝗘 PROTECTED WHILE SAVING ✨

The best time to invest was yesterday. The next best time is, 𝗧𝗢𝗗𝗔𝗬!❤️
These are your benefits:
✅️ Life Insurance
✅️ Accident
✅️ Disability
✅️ Critical Illness
✅️ Hospitalization

The exciting part is, these plans also come with 𝗜𝗡𝗩𝗘𝗦𝗧𝗠𝗘𝗡𝗧!
Ipon para sa 𝐄𝐃𝐔𝐂𝐀𝐓𝐈𝐎𝐍𝐀𝐋 𝐅𝐔𝐍𝐃 ng mga anak mo
Start your insurance plans and investment journey?

Message me for free financial consultation 📩

"Taking the first step in my PruVenture journey with the guidance of my mentor, UM Rico Castrence Fulgar Jr." ❤️"Grateful for today’s insights po with you today as I embark on the exciting PruVenture journey! 🚀

Happy Sunday to All!

𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 (𝗸𝗮𝗺𝗮𝗴-𝗮𝗻𝗮𝗸) 𝘀𝗲𝗿𝘆𝗲:

Kung ikaw ang nag encourage sa mga kapatid, kaibigan, kamag anak o katrabaho (atbp) mo na kumuha ng health and life insurance.

MARAMING SALAMAT SAYO.

Ctto: ’s Grow

✉️ 𝗠𝗲𝘀𝘀𝗮𝗴𝗲 𝗺𝗲 𝗳𝗼𝗿 𝗺𝗼𝗿𝗲 𝗱𝗲𝘁𝗮𝗶𝗹𝘀.💙

Gusto mo insurance for the whole family? Check mo 'to! 😊

𝐏𝐡𝐩 𝟔,𝟎𝟎𝟎.𝟎𝟎 𝐚 𝐦𝐨𝐧𝐭𝐡 𝐜𝐨𝐯𝐞𝐫𝐞𝐝 𝐧𝐚 𝐚𝐧𝐠 𝐛𝐮𝐨𝐧𝐠 𝐟𝐚𝐦𝐢𝐥𝐲 🥳

𝐇𝐞𝐚𝐝 𝐨𝐟 𝐭𝐡𝐞 𝐟𝐚𝐦𝐢𝐥𝐲? DAPAT INSURED KA.
𝐖𝐨𝐫𝐤𝐢𝐧𝐠 𝐦𝐨𝐦/𝐇𝐨𝐮𝐬𝐞𝐰𝐢𝐟𝐞? DAPAT INSURED KA.
𝐖𝐨𝐫𝐤𝐢𝐧𝐠 𝐡𝐚𝐫𝐝 𝐟𝐨𝐫 𝐲𝐨𝐮𝐫 𝐜𝐡𝐢𝐥𝐝’𝐬 𝐟𝐮𝐭𝐮𝐫𝐞? INSURED na, may SAVINGS pa si baby.

Life insurance is LOVE assurance for your family. Our family matters the most, so don't settle for less. Make the most out of it! 💖

Message me for any inquiries 😊

Start your Family Bundle Insuravest plan this 2024! 📩

𝙋𝙧𝙪 𝙇𝙞𝙛𝙚 𝙐𝙆'𝙨 𝙀𝙡𝙞𝙩𝙚 5 𝙋𝙡𝙖𝙣

The Elite 5 plan from Pru Life UK offers a short, 5-year payment period with higher premium allocations for faster fund accumulation. This strategic investment can allow you to purchase a car in cash within 5 years, all while securing a lifetime insurance coverage of at least ₱1 million.

With the investment fund, you can also:
✔️ Purchase a house
✔️ Save capital for a business
✔️ Build an educational fund
✔️ Grow your retirement fund
✔️ Plan for other financial goals over at least 5 years

𝗧𝗵𝗶𝘀 𝗳𝗹𝗲𝘅𝗶𝗯𝗹𝗲 𝗽𝗹𝗮𝗻 𝗶𝘀 𝗮𝘃𝗮𝗶𝗹𝗮𝗯𝗹𝗲 𝗶𝗻 𝟳, 𝟭𝟬, 𝗮𝗻𝗱 𝟭𝟱-𝘆𝗲𝗮𝗿 𝗼𝗽𝘁𝗶𝗼𝗻𝘀

Message me for more details or to get a sample quotation! 😊

𝐌𝐚𝐬 𝐤𝐚𝐤𝐚𝐲𝐚𝐧𝐢𝐧 𝐤𝐨 𝐚𝐧𝐠 𝟐𝐤 𝐦𝐨𝐧𝐭𝐡𝐥𝐲 𝐤𝐚𝐲𝐬𝐚 𝟐𝐌 𝐧𝐚 𝐛𝐢𝐠𝐥𝐚𝐚𝐧. 𝐈𝐭'𝐬 𝐧𝐞𝐯𝐞𝐫 𝐭𝐨𝐨 𝐥𝐚𝐭𝐞! 🙂❤

Let me help you start up your Financial Planning. 🤗

✔️𝑺𝒆𝒄𝒖𝒓𝒆 𝒂𝒏𝒅 𝑷𝒓𝒐𝒕𝒆𝒄𝒕 𝒚𝒐𝒖𝒓 𝑭𝒂𝒎𝒊𝒍𝒚!
✔️𝑰𝑵𝑺𝑼𝑹𝑨𝑵𝑪𝑬 + 𝑰𝑵𝑽𝑬𝑺𝑻𝑴𝑬𝑵𝑻
✔️𝑴𝒂𝒚 𝑰𝒏𝒔𝒖𝒓𝒂𝒏𝒄𝒆 𝒌𝒂 𝒏𝒂 𝒎𝒂𝒚 𝑰𝒏𝒗𝒆𝒔𝒕𝒎𝒆𝒏𝒕 𝒌𝒂 𝒑𝒂.
✔️ 𝒘𝒊𝒍𝒍 𝒈𝒊𝒗𝒆 𝒚𝒐𝒖 4%-10% projected
While Bank will give you 0.05%, diverse of your money.
✔️𝑭𝒐𝒓 𝒂𝒔 𝒍𝒐𝒘 𝒂𝒔 𝟐,𝟎𝟎𝟎 - 𝟑,𝟎𝟎𝟎 𝒑𝒆𝒓 𝒎𝒐𝒏𝒕𝒉, 𝒚𝒐𝒖'𝒍𝒍 𝒈𝒆𝒕 𝒃𝒐𝒕𝒉 𝒊𝒏𝒔𝒖𝒓𝒂𝒏𝒄𝒆 𝒂𝒏𝒅 𝒊𝒏𝒗𝒆𝒔𝒕𝒎𝒆𝒏𝒕.
✔️𝑺𝒂𝒗𝒆 𝒂𝒏𝒅 𝒊𝒏𝒗𝒆𝒔𝒕 𝒇𝒐𝒓 𝟓 𝒚𝒆𝒂𝒓𝒔, 𝟕 𝒚𝒆𝒂𝒓𝒔, 𝟏𝟎 𝒚𝒆𝒂𝒓𝒔, 𝟏𝟓 𝒚𝒆𝒂𝒓𝒔 𝒐𝒓 𝒐𝒑𝒆𝒏 𝒕𝒆𝒓𝒎 𝒐𝒇 𝒚𝒆𝒂𝒓𝒔 𝒂𝒏𝒅 𝒚𝒐𝒖 𝒂𝒓𝒆 𝒄𝒐𝒗𝒆𝒓𝒆𝒅 𝒖𝒏𝒕𝒊𝒍 𝒂𝒈𝒆 𝟏𝟎𝟎
✔️𝑴𝒐𝒏𝒕𝒉𝒍𝒚 𝒑𝒍𝒂𝒏 𝒏𝒂 𝒌𝒂𝒚𝒂 𝒔𝒂 𝒃𝒖𝒅𝒈𝒆𝒕 𝒑𝒆𝒓 𝒎𝒐𝒏𝒕𝒉:
2000, 2500, 3000, 5000, 10000 𝒂𝒏𝒅 𝒖𝒑...

𝙈𝘼𝙏𝘼𝘼𝙎 𝙉𝘼 𝙋𝙇𝘼𝙉, 𝙈𝘼𝙏𝘼𝘼𝙎 𝘿𝙄𝙉 𝘼𝙉𝙂 𝘾𝙊𝙑𝙀𝙍𝘼𝙂𝙀!!
Start your plan now! ☺️

Message me for a free sample Quotations.

Reedmond Karl Delos Santos
Licensed Financial Consultant
𝐏𝐫𝐮 𝐋𝐢𝐟𝐞 𝐔𝐊 | 𝐄𝐚𝐬𝐭𝐬𝐩𝐫𝐢𝐧𝐠 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭𝐬

Pru-Life UK Financial Consultant - Reedmond Karl Delos Santos Inspire Filipino families through Promoting Financial Literacy and Financial Freedom 💰🏦

If you make savings a non-negotiable part of your monthly budget, regularly putting aside a fixed amount will be an easy habit.

Some people take savings for granted because they think they can always make up for their missed contribution on the next pay day.

Not prioritizing savings can also easily develop into a habit. Build a solid financial plan for your future by including savings in your budget.

Message me for free financial planning 📮

It is not your 𝐌𝐎𝐍𝐄𝐘 that will determine your 𝐈𝐍𝐒𝐔𝐑𝐀𝐁𝐈𝐋𝐈𝐓𝐘, your 𝐇𝐄𝐀𝐋𝐓𝐇 will.

So get insured while you are 𝐲𝐨𝐮𝐧𝐠 and 𝐡𝐞𝐚𝐥𝐭𝐡𝐲, because 𝐥𝐢𝐟𝐞 𝐮𝐧𝐜𝐞𝐫𝐭𝐚𝐢𝐧𝐭𝐢𝐞𝐬 will not wait until you are ready.

You might think it is only the breadwinners who need insurance, well, this is classic. But to better understand life insurance, we've listed why people need and how life insurance can help them in these different statuses:

1. 𝗪𝗵𝗶𝗹𝗲 𝗬𝗼𝘂’𝗿𝗲 𝗦𝗶𝗻𝗴𝗹𝗲
Most single people don’t need life insurance because no one depends on them financially.

But there are exceptions. For instance, some single people provide financial support for aging parents or siblings with special needs. Others may be carrying significant debt they wouldn’t want to pass on to surviving family members. 𝗜𝗻𝘀𝘂𝗿𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝗶𝘀 𝗮𝗻𝗼𝘁𝗵𝗲𝗿 𝗿𝗲𝗮𝘀𝗼𝗻 𝘁𝗼 𝗰𝗼𝗻𝘀𝗶𝗱𝗲𝗿 𝗹𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝘄𝗵𝗲𝗻 𝘆𝗼𝘂’𝗿𝗲 𝘀𝗶𝗻𝗴𝗹𝗲. 𝗜𝗳 𝘆𝗼𝘂’𝗿𝗲 𝘆𝗼𝘂𝗻𝗴, 𝗵𝗲𝗮𝗹𝘁𝗵𝘆, 𝗮𝗻𝗱 𝗵𝗮𝘃𝗲 𝗮 𝗴𝗼𝗼𝗱 𝗳𝗮𝗺𝗶𝗹𝘆 𝗵𝗲𝗮𝗹𝘁𝗵 𝗵𝗶𝘀𝘁𝗼𝗿𝘆, 𝘆𝗼𝘂𝗿 𝗶𝗻𝘀𝘂𝗿𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝗶𝘀 𝗮𝘁 𝗶𝘁𝘀 𝗽𝗲𝗮𝗸 𝗮𝗻𝗱 𝘆𝗼𝘂’𝗹𝗹 𝗯𝗲 𝗿𝗲𝘄𝗮𝗿𝗱𝗲𝗱 𝘄𝗶𝘁𝗵 𝘁𝗵𝗲 𝗯𝗲𝘀𝘁 𝗿𝗮𝘁𝗲𝘀 𝗼𝗻 𝗹𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲.

2. 𝗜𝗳 𝗬𝗼𝘂’𝗿𝗲 𝗮 𝗦𝗶𝗻𝗴𝗹𝗲 𝗣𝗮𝗿𝗲𝗻𝘁
As a single parent, you’re the caregiver, breadwinner, cook, nanny and so much more. Yet nearly four in 10 single parents have no life insurance, and many with coverage say they need more than they have.

With so much responsibility resting on your shoulders, you must ensure you have enough life insurance to safeguard your children’s financial future.

3. 𝗪𝗵𝗲𝗻 𝗬𝗼𝘂’𝗿𝗲 𝗠𝗮𝗿𝗿𝗶𝗲𝗱 𝗪𝗶𝘁𝗵 𝗞𝗶𝗱𝘀
Most families depend on one to two incomes to make ends meet. If you died suddenly, could your family continue to meet all their financial obligations—from paying rent or the mortgage to daily living expenses?

Could your family continue their standard of living on your spouse’s income alone? Would their plans for the future—like college stay intact? Life insurance makes sure that your plans for the future don’t die when you do.

4. 𝗬𝗼𝘂’𝗿𝗲 𝗮 𝗦𝘁𝗮𝘆-𝗔𝘁-𝗛𝗼𝗺𝗲 𝗣𝗮𝗿𝗲𝗻𝘁 (𝗡𝗼 𝘄𝗼𝗿𝗸)
Just because you don’t earn a salary doesn’t mean you don’t make a financial contribution to your family. Childcare, transportation, cleaning, cooking, and other household activities are all important tasks, the replacement value of which is often severely underestimated.

𝗪𝗶𝘁𝗵 𝗹𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲, 𝘆𝗼𝘂𝗿 𝗳𝗮𝗺𝗶𝗹𝘆 𝗰𝗮𝗻 𝗮𝗳𝗳𝗼𝗿𝗱 𝘁𝗼 𝗺𝗮𝗸𝗲 𝘁𝗵𝗲 𝗰𝗵𝗼𝗶𝗰𝗲 𝘁𝗵𝗮𝘁 𝗯𝗲𝘀𝘁 𝗽𝗿𝗲𝘀𝗲𝗿𝘃𝗲𝘀 𝘁𝗵𝗲𝗶𝗿 𝗾𝘂𝗮𝗹𝗶𝘁𝘆 𝗼𝗳 𝗹𝗶𝗳𝗲.

5. 𝗪𝗵𝗲𝗻 𝗬𝗼𝘂’𝘃𝗲 𝗥𝗲𝘁𝗶𝗿𝗲𝗱
Depending on the size of your estate, your heirs could be hit with an estate tax payment of up to 45% after you die.

The proceeds of a life insurance policy are payable immediately, allowing heirs to take care of these taxes, funeral costs, and other debts without having to hastily liquidate other assets, often at a fraction of their true value.

𝗟𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗽𝗿𝗼𝗰𝗲𝗲𝗱𝘀 𝗮𝗿𝗲 𝗮𝗹𝘀𝗼 𝗴𝗲𝗻𝗲𝗿𝗮𝗹𝗹𝘆 𝗶𝗻𝗰𝗼𝗺𝗲 𝘁𝗮𝘅-𝗳𝗿𝗲𝗲 𝗮𝗻𝗱 𝘄𝗼𝗻’𝘁 𝗮𝗱𝗱 𝘁𝗼 𝘆𝗼𝘂𝗿 𝗲𝘀𝘁𝗮𝘁𝗲 𝘁𝗮𝘅 𝗹𝗶𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝗶𝗳 𝗽𝗿𝗼𝗽𝗲𝗿𝗹𝘆 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲𝗱.

6. 𝗜𝗳 𝗬𝗼𝘂’𝗿𝗲 𝗮 𝗦𝗺𝗮𝗹𝗹-𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗢𝘄𝗻𝗲𝗿
Besides taking care of your family, life insurance can also protect your business. What would happen to your business if you, one of your fellow owners, or a key employee died tomorrow? Life insurance can help in several ways.

For instance, a life insurance policy can be structured to fund a buy-sell agreement. This would ensure that the remaining business owners have the funds to buy the company interests of a deceased owner at a previously agreed-upon price.

That way, the owners get the business and the family gets the money.

Message me to know more your plan ❤️

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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 70 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.
📌Plus additional benefit is, may naka link narin itong investment or VUL kung tawagin so kung hindi mo man sya magamit sa health, pwede mo sya magamit sa mga personal purchase mo (car, house and lot,educational fund, business or travel).

🤔 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, it is very rare that employers offer this as a benefit. So it's highly likely that you have to purchase one for yourself.
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Nobody can predict when illnesses or emergencies come (nor can we stop them).
Paying for healthcare may be expensive, but it’s very useful to have (even though I hope that we will never need to use it). But still reality is most people get sick before they die. Better be prepared!

For 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 👇

Stay healthy everyone.💙