PruLife UK Licensed Financial Advisor - Dianne Rondina

𝐘𝐨𝐮 𝐚𝐩𝐩𝐥𝐲 𝐟𝐨𝐫 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞; 𝐲𝐨𝐮 𝐝𝐨𝐧'𝐭 𝐛𝐮𝐲 𝐢𝐭.

Each application is unique and assessed individually and not everyone can apply for a policy anytime they want.

Understanding these outcomes can help you navigate the process with confidence.

⛔️𝐃𝐞𝐜𝐥𝐢𝐧𝐞𝐝: The application is rejected, and no policy will be issued.

⚠️𝐏𝐨𝐬𝐭𝐩𝐨𝐧𝐞𝐝: The application is delayed, with the possibility of revisiting it at a later date.

☑️𝐑𝐚𝐭𝐞𝐝: The application is approved, but with a higher premium due to additional risk factors.

✅𝐀𝐩𝐩𝐫𝐨𝐯𝐞𝐝: The application is accepted at standard rates or with a minor rating adjustment, and a policy is issued.

Getting insurance while you are still young and healthy can provide cost savings, easier access to coverage, and a solid foundation for future financial security 👌🏻

Apply today 📩
Send me a message.

TGIF ✨

PWEDE BA i-REFUND yung mga NAIHULOG sa INSURANCE COMPANY?

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. 😉

Please do not lapse your life insurance policies. 🥹🙏

If in case, you are having difficulty in sustaining your current policy, talk to your financial advisor.

If your policy is already lapsed, talk to your financial advisor.

Para mapag usapan niyo yung possible ways to keep or revive your policy, so that in time na kailanganin na yung benefits ng iyong policy, it can cover your needs. Since ito ang purpose of having a life insurance—providing the money you need in life’s uncertainties such as critical illness, disabilities, accident, and even death.

Always remember, you and your financial advisor are on the same team. We care for you. ♥️

Bank VS Insuravest 🤔

𝗦𝗪𝗘𝗟𝗗𝗢 𝗗𝗔𝗬! 𝗦𝗔𝗩𝗜𝗡𝗚𝗦 𝗗𝗔𝗬! 💰

Here's a gentle reminder to make sure to pay yourself first! 🤍

Check out our Insurance Focused-VUL plan to help you maximize your money's growth potential and manage life's risk 💯

Also available in budget friendly plans for as low as ₱83/day!

Start saving money with protection benefits.
Pili ka na ng best plan na pasok sa budget mo 😊

For free financial planning and sample quote, message me. 📩

𝘿𝙞𝙙 𝙮𝙤𝙪 𝙠𝙣𝙤𝙬. . .😲

The creator/inventor of 𝘾𝙧𝙞𝙩𝙞𝙘𝙖𝙡 𝙄𝙡𝙡𝙣𝙚𝙨𝙨 𝙄𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚 was a South African Surgeon, Dr. Marius Stephanus Barnard. On 6 August 1983 the first critical illness insurance policy was launched.❤

Barnard was motivated by the financial hardship he saw his patients suffer after he had treated their critical illnesses to convince the South African insurance companies to introduce a new type of insurance to cover critical illnesses.

Barnard argued that, as a medical doctor, he can repair a man physically, 𝗯𝘂𝘁 𝗼𝗻𝗹𝘆 𝗶𝗻𝘀𝘂𝗿𝗲𝗿𝘀 𝗰𝗮𝗻 𝗿𝗲𝗽𝗮𝗶𝗿 𝗮 𝗽𝗮𝘁𝗶𝗲𝗻𝘁'𝘀 𝗳𝗶𝗻𝗮𝗻𝗰𝗲𝘀.📌

✅✅✅Health mo ang puhunan mo sa pagkuha ng Insurance. Huwag mo nang hintayin pang dumating ang panahon na hindi ka na healthy bago ka mag desisyon na kumuha ng Insurance. Pwedeng hindi ka na makakuha pag hindi ka na healthy. 🎯

I heard this story from one of our speakers. His friend got sick and this friend of his was not a believer of Insurance. More than half a million ang Hospital bill. 😱 Then one day he texted, “bakit hindi mo ako pinilit kumuha ng insurance?”

Simple lang naman ang sagot dyan.
"𝙆𝙖𝙨𝙞 𝙣𝙜𝙖 𝙙𝙞 𝙢𝙤 𝙥𝙖 𝙋𝙧𝙞𝙤𝙧𝙞𝙩𝙮!"

Kidding aside,
𝗔𝗻𝗴 𝗽𝗮𝗴𝗸𝘂𝗵𝗮 𝗻𝗴 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗮𝘆 𝗽𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝗰𝗵𝗼𝗶𝗰𝗲!
Kahit gano kaganda ang insurance plan na ipakita ko sayo, kung hindi ka interesado… lalabas lang sa kabilang tenga ang pinaliwanag ko. Kung hindi kasama sa priority mo ang pagkuha ng insurance, kahit mura lang ang premium payment parang ang expensive nun para sa'yo. Kung hindi ka pa ready pag handaan ang future mo, hindi ka rin magkakaron ng time para makinig sa FREE financial planning na offer ko.

Sa totoo lang, gusto ko lahat ng friends ko ay kumuha rin ng insurance. Pero hindi kita pwedeng pilitin.

Hindi kita pwedeng i-guilt trip.
Hindi kita pwedeng takutin sa negative effects ng SADD (sickness, accident, disability, and death) events sa buhay.

At the end of the day, 𝗜𝗞𝗔𝗪 𝗔𝗡𝗚 𝗠𝗔𝗚𝗗𝗘𝗗𝗘𝗖𝗜𝗗𝗘 𝗞𝗨𝗠𝗨𝗛𝗔 𝗡𝗚 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 𝗣𝗔𝗥𝗔 𝗦𝗔'𝗬𝗢 𝗔𝗧 𝗦𝗔 𝗟𝗢𝗩𝗘𝗗 𝗢𝗡𝗘𝗦 𝗠𝗢. ☺️

Pag handa ka na at pwede pa, nandito lang naman ako friend para tulungan ka. 😃

Message ka lang. 😊💯

*Read this long post kung balak mo bumili ng isang VUL PLAN!*

Kung gusto mo ng life insurance and you like the idea na posibleng bumalik sayo ang portion ng binayad mo, lahat ng binayad mo, or masmalaki sa binayad mo in the future, GET A VUL PLAN!

Kung gusto mo ng life insurance plan na hindi agad naglalapse pag hirap ka magbayad, GET A VUL PLAN! (As long as there are enough funds to pay for the monthly charges, the life insurance is inforce!)

Do not buy regular pay VUL if your primary goal is to invest because not all the money you put in a VUL plan is invested.

Go for MP2, mutual funds, or other financial instruments with accumulation as the primary intention.

Do not buy because of the fund value projections. They are NOT guaranteed amounts.

They are just estimates.

It can go lower, somewhere in the middle of those projections or higher.

Buy a regular pay VUL because of the INSTANT BIG AMOUNT THAT WILL BE READILY AVAILABLE ANYTIME. (This is a guaranteed amount that will be available as long as the plan is inforce.)

Buy VUL because it is a life insurance plan!

Buy VUL because untimely death is a huge expense that will be shouldered by the ones left behind.

Buy VUL because there are people depending on you.

Buy VUL because this life insurance plan can help your heirs pay for the estate tax.

By the way, since it has an investment component, it can also help you build funds for future goals.

Buy VUL if investing is your secondary goal and not your primary goal because the main goal of a VUL plan is life insurance.

Regular pay VUL has as investment component. In layman's terms, it is PART OF the VUL life insurance plan.

There are monthly charges are deducted from the fund value. (The projected amounts you see on the proposal assume that the monthly charges are already deducted.)

The fund value projections you see in a VUL proposal are not guaranteed amounts.

The fund value is affected by these:
(1) price per unit
(2) number of units
(3) monthly charges

The monthly charges are deducted from the fund value to pay for the LIFE INSURANCE, THE INSTANT BIG AMOUNT THAT IS READILY AVAILABLE ANYTIME!

Consider getting a VUL plan dahil may dalawang reality. Untimely death can happen anytime and there is also a possibility na mahaba buhay mo!

Kung sure ka na mahaba ang buhay mo, get pure investments. Pero walang may alam nito.

Dalawa ang reality. Hindi mo alam gaano kahaba or kaigsi ang buhay mo.

If you think that preparing for retirement is logical, also consider getting life insurance.

There is no guarantee that you will reach retirement age but everyone will die.

Remember, death will be a big expense for the people you leave behind. It can also make income stop when the breadwinner is gone.

You know what is really amazing about a regular pay VUL plan?

There is a possibility that the money you will leave your family will be bigger than the original life insurance amount you are paying. (Reason: because there is a fund value!!!)

By the way, there are also other life insurance products available that will match your financial situation, preference, intention and risk personality.

Talk to financial advisors who have mastered the products they selling and you will be amazed at what life insurance can really do.

(Author: Tatiana Cyrile Alvarez-Castro )

There is a common misconception that people only benefit from life insurance upon death, but this is not true. Life insurance products have evolved over the years to help you not only secure your loved ones' future when you are gone, but also to help you achieve your financial goals while you are still living.

As the pioneer of investment-linked life insurance in the Philippines, Pru Life UK aims to help Filipinos build and secure a stronger financial future. This week, we'll be helping you understand life insurance a little further by breaking down insurance concepts.

𝟖.𝟖 𝐒𝐚𝐥𝐞 𝐧𝐚!!!

You might also want to add INSURANCE to your cart 🤍

Product includes:
✅ Income Protection Coverage
✅ Critical Illness Benefit Coverage
✅ Accident Benefit Coverage
✅ Disability Benefit Coverage
✅ Hospital Benefit Coverage

May bonus pang:
⭕ Retirement Fund
⭕ Educational Fund
⭕ Dream-builder Savings
⭕ Stock Market Indirect Investments

Nasabi ko bang you can start for as low as 88/day?
Yes, Insurance with Investment is very affordable!

Paano magcheck-out? We offer an easy and online application. PM for more details

This is the most expensive bed in the world.

Do you have a critical illness funding already? If none, TALK TO US and we will make a proposal designed for you 😊

𝐃𝐨𝐧'𝐭 𝐰𝐚𝐢𝐭 𝐟𝐨𝐫 𝐭𝐡𝐞 𝐢𝐥𝐥𝐧𝐞𝐬𝐬 𝐭𝐨 𝐜𝐨𝐦𝐞 - safeguard your health and finances today with an insurance coverage.🩺🎯

Get a life insurance for you and your family today.
Message me for a FREE sample quotation. 📨