BIG Decisions with R. Cabig

📣𝗪𝗘 𝗔𝗥𝗘 𝗛𝗜𝗥𝗜𝗡𝗚 𝗣𝗔𝗥𝗧-𝗧𝗜𝗠𝗘𝗥𝗦 & 𝗙𝗨𝗟𝗟-𝗧𝗜𝗠𝗘𝗥𝗦!
𝗖𝗼𝗺𝗽𝗮𝗻𝘆: 𝗣𝗿𝘂 𝗟𝗶𝗳𝗲 𝗨𝗞 - #1 Life Insurance Company

📍 Work from Home
Position: Financial Consultant

𝗣𝗲𝗿𝗸𝘀 𝗼𝗳 𝗯𝗲𝗶𝗻𝗴 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗔𝗱𝘃𝗶𝘀𝗼𝗿:
✅ Free Travel Incentives Local and International
✅ Flexible Working Hours
✅ Quarterly Bonus
✅ 50k-100k potential monthly income

Interested applicants, pls kindly scan the QR code for early registration. We need 50 applicants. Free dinner 😊venue will be announce soon.
See you all on
May 09, 2024 at 6:00pm😊

One of the active agents in our unit for the month of March.

To more Filipino’s to insure this month of April 🥰

"𝗞𝘂𝗻𝗴 𝗴𝗮𝗻𝘂𝗻 𝗱𝗶𝗻 𝗹𝗮𝗻𝗴, 𝗿𝗲𝗳𝘂𝗻𝗱 𝗻𝗶𝘆𝗼 𝗻𝗮 𝗹𝗮𝗻𝗴 𝗹𝗮𝗵𝗮𝘁 𝗻𝗴 𝗽𝗿𝗲𝗺𝗶𝘂𝗺𝘀 𝗸𝗼, 𝗱𝗶 𝗿𝗶𝗻 𝗻𝗮𝗺𝗮𝗻 𝗮𝗸𝗼 𝗻𝗮𝗴𝗸𝗮𝘀𝗮𝗸𝗶𝘁."

One of the most common concerns ng clients ay ang usaping REFUND.

Pwede nga ba mag-refund?
Paano kung tumigil na sa pagbabayad?
Mawiwithdraw ko ba ang mga premiums ko?

⭕ Simulan natin ito sa Term Insurance.
Prepaid po ang mga insurance.
Meaning, parang renta. Babayaran mo agad yung term or period na sakop ng insurance.

If ang term insurance mo ay yearly ang term, you pay now. Then covered ka.

If di ka na magbayad next year, di ka na covered. Ganun kasimple.

So may mawiwithdraw ka ba? Wala.

⭕ Paano naman kung VUL or Variable Unit-linked ang nakuha ko? Insurance with investment.

Kapag ba tumigil ka na (surrender), mawiwithdraw mo ba exactly lahat ng PREMIUMS na binayad mo? Hindi.

Ang ma-wiwithdraw mo lang ay 'yung current value ng Investment mo. (Fund value)

⭕ Bakit ganun?
Mas mainam pala ang bank. Pag nagdeposit ako, mawiwithdraw ko exactly the same.

Opo, yan ang purpose ng bank.

Iba ang purpose ng insurance. Iba rin ang investment.

⭕ Tatandaan, binibili mo ang service ng insurance contract. Kung 3 million death benefit yan, yan ang binibili mo.

⭕ So bakit nga walang REFUND?

Kapag ba bumili ka ng isang bagay o service, tuwing kelan lang may refund? Ano ang refund policy?

- kapag may DEFECT.

E kung wala namang defect ang policy, walang marerefund.

⭕ Wala naman akong naging sakit, sayang lang binayad ko.

- Bigyan kita ng analogy. Naghire ka ng bodyguard to protect you from harm. Pinasahod mo ng 5k a month.

After 2 years, nakapasahod ka na ng 120k. Wala namang umatake sayo.

Can you tell your bodyguard na, "Kukunin ko na lahat ng 120k na pinasahod ko sayo kasi di naman ako napahamak, wala namang umatake sakin."

Anong response ng bodyguard?
"Ay babalik ko sayo, may patago ka teh?"

Same concept.
You buy insurance to get the service of protection.

Kada oras na dumadaan na IN FORCE ang insurance contract mo, liable ang insurance company to fulfill the contract's obligations.

So ang Insurance charges na nababayad mo out of your premium, doon yun napupunta.

Hindi sya nasayang.

I hope you get my point. Alamin sa mga agents ninyo ang full details.

Some of the reasons why I love Mondays ❤️.

Always learning. Always improving. Always growing 🫶🏼

Feel nako gina judge nakos akong mga makasugat ug kasunod mudagan. Hahaha. Pero feelingon man ko so wa rakoy pake. Slower than yesterday’s pace.

Run at your own pace ✨

Anyway, back to work nata kay mag weekend na. Sahod na, start na ta sa imo insurance. Remember, same with running. Start at your comfortable budget. Start small, what’s important is nagstart naka 🥰

Dili need na paspas gyud ka mudagan to be a runner. Unless g**o ug sprinter ka or ganahan mag podium. Pero if you’re same with me na gusto lang mu finish sa race to prove sa self na kaya diay, then start running. Start slow. Run at your own pace. Enjoy the run.

If naa kag CDO, sabay ta, d tika biyaan. Basin mautas kag hulat nako kay hinay kayko mudagan 🤣

Okay, back to work kay sahod na naman ng mga gustong magkainsurance 🫶🏼

‼️NEW PRODUCT ALERT‼️
PruLove Wealth
Launched last March 8, 2024

Product features:
- Single-pay product with a minimum of 500k placement
- 7 years holding period
- With 4% GUARANTEED annual returns for 7 years
- Death benefit is at 125% of the amount placed
- Capital is preserved. This means that the entire amount you've placed will be given back to you after 7 years

Market:
- For conservative clients who want guaranteed returns and capital preservation
- Yung may mga nakatenggang pera sa bangko or elsewhere
- Sa mga gusto ng returns pero may death benefit pa rin
- Sa gusto lang magdiversify ng portfolio

LET'S GO FOR FINANCIAL STABILITY!

Kinsay Gusto makita in person si
Jan Ocampo or si
The Present and maka-attend sa iyahang Financial literacy session for FREE?
5 seats available only! 😍🥰