Rowelyn Arevalo - FWD Financial Wealth Planner

FWD LIFE INSURANCE PRODUCTS ✨

Get insurance while you are still young and healthy and learn about the benefits of FWD Set for Health and other products.
This is the BEST health insurance in the market and this is a ZERO WASTE health cover insurance. ✨

Benefits:

✅Claim up to 3x unrelated major Critical Illness - Yes, you read it right. Pwede ka magclaim, 3x, for unrelated major critical illness.

✅Minor Critical Illness - Aside from Major Critical Illness, you can also claim for Minor Critical Illness with 20% of the coverage

✅Waiver of Premium - If madiagnose ka ng Major Critical Illness or nagkaroon ka ng Total and Permanent Disability during the paying period, yung mga succeeding years na babayaran mo, is totally waive. Bayad na.

✅Life Insurance Benefit - If you are taken out of the picture before age 75, makakakuha ang beneficiaries mo, ng 100% (buo) ng death benefit.

✅ Accidental Death Benefit - additional benefit kapag ang naging cause of death is due to accident.

✅Healthy Life Benefit - If wala kang naging claim na Critical Illness until age 75. Healthy ka all throughout, ibabalik sayo ng buo, lahat ng premiums na binayad mo.

✅Guaranteed Payable up to 5, 10, 20 years

✅Transferrable to your loved ones

✅Why FWD's Set for Health is the best? Simple, Zero waste. Walang tapon.

Return of investment can be used as:
✅RETIREMENT
✅EDUCATION
✅TRAVEL FUND

Hindi naman mahal maging insured, lalo na kung sisimulan mo ngayon!🙂

Message me to have your free quotation now! No commitment 😉




You can check here to learn more
https://shop.fwd.com.ph/agency/agent/10032327/critical-illness-insurance/set-for-health/

FWD LIFE INSURANCE PRODUCTS ✨

Get insurance while you are still young and healthy and learn about the benefits of FWD Set for Health and other products.
This is the BEST health insurance in the market and this is a ZERO WASTE health cover insurance. ✨

Benefits:

✅Claim up to 3x unrelated major Critical Illness - Yes, you read it right. Pwede ka magclaim, 3x, for unrelated major critical illness.

✅Minor Critical Illness - Aside from Major Critical Illness, you can also claim for Minor Critical Illness with 20% of the coverage

✅Waiver of Premium - If madiagnose ka ng Major Critical Illness or nagkaroon ka ng Total and Permanent Disability during the paying period, yung mga succeeding years na babayaran mo, is totally waive. Bayad na.

✅Life Insurance Benefit - If you are taken out of the picture before age 75, makakakuha ang beneficiaries mo, ng 100% (buo) ng death benefit.

✅ Accidental Death Benefit - additional benefit kapag ang naging cause of death is due to accident.

✅Healthy Life Benefit - If wala kang naging claim na Critical Illness until age 75. Healthy ka all throughout, ibabalik sayo ng buo, lahat ng premiums na binayad mo.

✅Guaranteed Payable up to 5, 10, 20 years

✅Transferrable to your loved ones

✅Why FWD's Set for Health is the best? Simple, Zero waste. Walang tapon.

Return of investment can be used as:
✅RETIREMENT
✅EDUCATION
✅TRAVEL FUND

Hindi naman mahal maging insured, lalo na kung sisimulan mo ngayon!🙂

Message me to have your free quotation now! No commitment 😉




https://shop.fwd.com.ph/agency/agent/10032327/critical-illness-insurance/set-for-health/

𝐀𝐍𝐆 𝐄𝐅𝐅𝐎𝐑𝐓𝐋𝐄𝐒𝐒 𝐌𝐎 𝐍𝐀𝐌𝐀𝐍 𝐌𝐀𝐆-𝐓𝐑𝐀𝐃𝐄

Naisip mo na ba to about someone or better yet, narinig mo na ba siya sinabi about you?

Just like building new habits, the more you do something, the more natural it feels. Paminsan, di mo na nga maexplain ibang decisions mo dahil lang subconsciously mo na siya ginagawa without noticing.

The key to confidence is having the knowledge to back it up. Di naman kailangan na expert ka na agad but actually stepping into that unknown and admitting that you have a lot of learning to go is a good place to start.

In those moments of trial and error, dun ka minsan napapatigil at narerealize “Parang kaya ko na to”

If you keep waiting on things, you will never feel truly “ready” because you don’t have the confidence to try.

Kahit sobrang dami mong books at tutorials na panoorin, masasayang lang siya lahat if you don’t actually start trading. This is why people test out virtual trading as their training ground which allows you to experience yung highs and lows ng market without pressure of the real stakes.

Dito mo makikita ang mga patterns, maaayos strategies and trust yourself to make the right decisions. This is where that feeling of being a ‘natural’ can start to build as you are creating a solid foundation.

Think about it. When you started your first job, for sure halo ng kaba at excitement ka na di mo pa alam ano ang gagawin but with time, nakabuild ka na ng skills and mas secure ka na in making decisions.

This applies din sa trading wherein ang confidence is not something na bigla na lang nandyan, it’s something you earn by showing up, trying, and growing.

Dive in and give yourself that opportunity to grow.

_____________________

Take that next step to being a natural and join the Investa Trading Challenge!

Compete for up to P100,000 in total prizes: https://www.investagrams.com/tradingchallenge

Paano nga ba ang kalakaran ng investment sa VUL?

We might hear na ang VUL or Variable Unit-linked ay isang policy na merong Insurance and investment component.

Yung fund value or investments, paano nga ba ito nagwowork?

When you pay your premiums, let's say ₱2,000/month, ito ay ginagamit ng company pambili ng units.

"Buying of units" - meaning nito, 'yung premium na in-allocate sa funds, pinambibili yun ng units ng fund.

Maraming fund available. Meron Bonds, merong Stocks or equity.

Bonds - pautang. Low risk, low return. Earns interest.

Equity - shares of company. High risk, high return. Follows the movement of the companies.

If pinili mo halimbawa ay Philippine Equity Fund, when you pay premiums, you are using the premiums to buy these shares of stocks.

If ang halaga ng isang unit nung PH equity fund na yun ay ₱2.00/unit, and you paid let's say ₱2,000 for it, you were able to buy 1,000 units.

Unit balance x Unit Price = Fund Value
1,000 units x ₱2.00/unit = ₱2,000

If after you bought the units, gumanda ang performance nito at nag-grow ang PH companies na ito by 10%, your fund value will increase as well.

From ₱2.00/unit naging ₱2.20/unit na.

So yung hawak mong 1,000 units, magiging ganito na ang value:

1,000 units x ₱2.20/unit = ₱2,200 na.

Nagkaroon ka na ng "paper gain" kung tawagin.
Paper gain or paper loss means ito yung tinubo or nilugi ng fund mo hangga't di mo pa naman nawiwithdraw ito. Kumbaga, nasa portal pa lang naman ito. Once you withdraw it, "realized gain" na ang tawag.

So what will happen next?

Tandaan na sa VUL, you are going to pay the charges. Ito ay ibabawas sa fund value mo.

Let's assume na ang charges mo ay nagkakahalaga ng ₱500. Paano ito ibabawas sa fund value?

"Selling units". Kapag ibabawas ang charges, nagbebenta ka ng units.

*Wait, technical na ito. Basta tandaan, bababa ang fund value mo kasi nga binawasan ng charges*

Yung current setup ng fund mo ay:
1,000 units x ₱2.20/unit = ₱2,200
If ibabawas si ₱500 charges, katumbas ito ng cancellation of your units by 227.27 units.
(₱500 charges ÷ ₱2.20/unit)

So ang matitirang units sayo ay:
1,000 units - 227.27 units = 772.72 units

772.72 units x ₱2.20/unit = ₱1,700

Or simply (₱2,200 less ₱500 charges)

And then once you pay the premiums again,
Alamin magkano ang "allocated" sa fund,
And then use the premium to BUY units.
Then pag i-bibill ka na ng charges, babawasan ang fund value by SELLING units.

Then the changes in the price of the fund will affect your fund value in a compounded manner.

When you hear the word, compounded, it is a concept na 'yung interest earned, pwedeng magamit or mareinvest para tumubo ng interest. Common ito sa mga dividend earning investments. May auto-reinvest feature. Pag di mo winithdraw, marereinvest sya.

Compounded means 'yung mga tinubo mo or gains, since part sya ng mismong fund mo, pwede rin sya mag-gain ng interest.

Kaya compounded. Patong-patong kumbaga.

Now, sa VUL kasi, hindi tayo sure if gains or loss. Pero may compounding effect ba dito? Yes, if you reinvest your gains.

Sample, you invested in PH equity fund. After some time, it gained ₱10,000. Unless you withdraw it, it forms part of your fund value. If you decide later on to re-invest it, let's say to Bond Funds, basically you are using the gains as investment to purchase units. IF, if and only if, tumubo ito sa new fund, in effect, nagkaroon ng compounding effect.

Kaya laging merong CAGR sa mga fund reports. It stands for Compounded Annual Growth Rate.

Take note: Investment returns are not guaranteed.
Maaaring tumaas, maaaring bumaba.

Cycle repeats. Premium ➡️ Fund Value ➡️ Charges

You can watch the entire video here:
https://vt.tiktok.com/ZS6XVEG87/

If you learn something in this post, consider joining my community:
Master FA Insurance Community

Book appointment:
Master FA arnellegaspijr

The Only Insurance na may 3X CLAIM for Critical Illness at ibabalik 100% ng binayad mo once di magamit 🧡

To know more about the product, you can check it here
https://shop.fwd.com.ph/agency/agent/10032327/critical-illness-insurance/set-for-health/

To talk to an agent, you can drop me a message for free consultation ✉️🧡

Truly grateful to be able to attend and be part of this year's big event! 🧡

Also a lot better than ever incentives this year!

✅Cash Incentives
✅Travel Incentives
✅Case Count Incentives
✅Double Credit Incentives
✅Free Tablet
✅Free HMO

Come and be part of our team to be able to achieve all of these!

Drop me a message and I will help you 🧡✉️

"Grateful to be part of the 2025 Agency Kick-off, surrounded by inspiring individuals who share the same advocacy of helping Filipinos secure their future 🧡"

A lot of surprises, doubles, and better than ever incentives this year! Truly FWD Life Philippines knows how to appreciate and motivates us. 🧡

We will make a difference by being

New Year na mga bhe! Anong New Year Resolution mo this year?

Syempre maging healthy and wealthy.

Kaya dapat kasama sa resolution mo this year is maging insured na ✅

Ang mahal ng insurance di pa kaya 😓

May 500 ka?

Ito na yun bhe yung THE ONE na hinahanap mo. 🧡

Affordable Insurance na hindi masakit sa bulsa.

THE ONE by FWD, very affordable term insurance na may Life Benefits, Critical Illness Benefit, at Accidental Benefit na din.

Pwede mo pa customize kung anong benefit gusto mo iprioritize. 😉

For only Php500/month (sample coverage for a 23yr old), covered ka na with this:

✅ 1,000,000 for Life Insurance
✅ 1,000,000 for Accidental Death Benefit
✅ 1,000,000 42 Covered Critical Illness

So what are you waiting for! DM me for details. ✉️🧡

Check out this link to know more about The One
https://shop.fwd.com.ph/agency/agent/10032327/life-insurance/the-one/