Mary Hazel Huertas - InLife Licensed Financial Advisor

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HINDI PO LIBRE ANG INSURANCE COVERAGES DAHIL NAGPATAMBAY O NAG-INVEST KA NG PERA SA INSURANCE COMPANY. MAY COST ITO, MAY CHARGES.

Here’s a long but worth reading explanation of how the life insurance business works:

1. Risk Pooling and the Law of Large Numbers

Life insurance operates on the principle that not everyone will die at the same time. By collecting premiums from a large group of people (policyholders), the company can statistically predict how many claims will be made each year using mortality tables.

For example:
• If 10,000 people each pay ₱10,000 annually, the company collects ₱100 million.
• Based on mortality statistics, suppose 50 people are expected to die in a year.
• If each policy has a ₱1 million death benefit, expected claims = ₱50 million.

The remaining ₱50 million is used for:
• Operational expenses
• Profit margins
• Future claim reserves
• Investments (to grow the fund)

2. Premiums Are Priced Based on Probability

The premiums you pay are calculated using:
• Probability of death (qₓ) at your age
• Benefit amount (B) your family would receive
• Expected claim cost (E) = qₓ × B

Add administrative costs, margins, and future value considerations (discounting or compounding), and that gives your total premium.

3. Sustainability Requires Ongoing Premiums

If policyholders stop paying:
• The expected total premium pool shrinks.
• But the expected number of deaths (claims) remains the same.
• This imbalance can destabilize the fund and make it unsustainable.

That’s why it’s critical that people continue to pay. The system only works if:

Total Premiums Collected > or = Expected Claims + Expenses - Investment Gains

Conclusion:

Life insurance is essentially a shared financial safety net. The logic is:
• Many people contribute small amounts (premiums).
• A few receive large payouts (claims).
• The business stays stable through careful statistical forecasting, premium pricing, and disciplined fund management.

Without consistent participation, the math breaks—and so does the system.

SO IF YOUR PLAN IS A VARIABLE UNIVERSAL LIFE OR V.U.L., INSURANCE CHARGES ARE PAID BY A PORTION OF YOUR PREMIUM. Thus, don’t expect that your withdrawable fund value is immediately equal to the total money you put in.

Abundance | InLife Make your dreams come true with life protection and guaranteed regular cash payouts.

“The Premium I Almost Gave Up On”

(Mga Kwentong Life Insurance Ep. 1)

Miguel was like most people in their 30s — full of dreams, responsibilities, and plans for a better life. Every month, he diligently paid his life insurance premiums, even though he never truly understood the value of it.

One afternoon over coffee, his longtime friend Joel gave him advice that stuck.
“Pare, sayang lang ‘yan. You’re healthy, you’re young — why throw money away on something you won’t even use soon?”

Joel was always practical. Successful in business, smart with money. So Miguel started to think… maybe Joel was right. Maybe the premiums were just an expense he didn’t need.

Miguel paused his payments. One month. Then two.

But just before canceling it completely, a strange feeling kept nagging at him. Something inside told him: “No. Keep it. It’s not for now — it’s for when you need it the most.”

He resumed paying, quietly and consistently. No fanfare.

Months later, everything changed.

Joel — the same friend who told him to stop — was diagnosed with a critical illness. One that came out of nowhere. It drained his energy, his time, his hope… and eventually, his finances.

One by one, Joel sold his car, his business, even his house. He survived, yes — but he lost everything else in the process. He now lives with a relative, rebuilding his life piece by piece.

Miguel visited him recently. They sat quietly, no judgment, just memories. Joel looked him in the eye and said:
“Kung pwede ko lang ibalik ang oras… I would’ve secured myself better.”

Miguel walked away from that visit changed.

He now sees his premiums not as an expense — but as a quiet, invisible shield. Something that may not seem urgent today… but can mean everything tomorrow.

Because life doesn’t warn you when it’s about to fall apart. But you can choose to prepare for it, anyway.