Author Topic: Anong insurance ang kinuha nyo?  (Read 106300 times)

lavinia13

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Anong insurance ang kinuha nyo?
« on: April 04, 2014, 08:40:38 pm »
Para po sa mga tulad kong nalilito kung ano ang kukuning insurance, mga sis paki post naman po ang mga sagot nyo.

1. Ano po ang insurance na kinuha nyo?
2. Magkano ang face amount?Ilang years to pay?
3. Magkano ang premium?
4. Ano po ang additional benefits?
5. Ilang years kayong covered?
6. Reason kung bakit yun ang kinuha nyong insurance?

Thanks mga sis! Alam kong depende sa tao  ang insurance na nababagay sa kanya, pero baka lang po pwede naming maging guide yung ipopost nyo. ;)
« Last Edit: April 04, 2014, 08:44:57 pm by lavinia13 »

alainewillgoplaces

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Re: Anong insurance ang kinuha nyo?
« Reply #1 on: April 05, 2014, 06:47:11 pm »
sun maxilink prime
regular pay for 10 years
24k annually or 2k/month
death benefit is 1M or 1.5M in case of accidental death
insured til age 88, pero yung investment part walang limit
for now accidental death benefit (ADB) palang kasi i'm an ofw.
other rides available for ph residents include:
accidental death, dismemberment and disablement (ADDD)
hospital income benefit (HIB)
total disability benefit (TDB)
waiver of premium upon death of initial owner (WPD)
waiver of premium upon death or during total disability of initial owner (WDD)


reason would be maximum protection for a small amount. i have another another existing single pay VUL from another company. naliliitan ako sa makukuha na death benefit. 125% lang nung amount na nilabas ko. while sa policy ko now, ang total na labas na pera would be 240k pero 1M ang death benefit. not bad. my need for protection has grown because of job hazards. though we are provided with life insurance sa work, i plan to leave the company in a couple of years. this is my head start for protection.


hope it helps :)
« Last Edit: April 05, 2014, 08:08:45 pm by mama squeak! »

florencia

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Re: Anong insurance ang kinuha nyo?
« Reply #2 on: April 06, 2014, 12:28:08 pm »
Hi, im 23, single, walang anak.

Sun flexilink
1M face amount, 10 years to pay
premium is 37k+ annually (pero bayaran ko ng monthly for now)
Benefits are ADDD, CIB, HIB, TDB
Covered up to 88 years old
Reason is I'd like to take advantage of paying lower premiums while I'm young. First insurance ko din ito at bread winner ako ng family so current beneficiaries are my parents.

lavinia13

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Re: Anong insurance ang kinuha nyo?
« Reply #3 on: April 07, 2014, 08:16:29 pm »
thanks mga sis! sana madami pang mag post :)

caramelli

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Re: Anong insurance ang kinuha nyo?
« Reply #4 on: April 08, 2014, 09:50:18 pm »
hi sisses. plan ko palang kumuha ng insurance, hindi pa ako makadecide kung alin ang the best. so far, ang options ko palang sunlife saka pru life. sana may iba pang makapag post. thank you.
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MissChievous

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Re: Anong insurance ang kinuha nyo?
« Reply #5 on: April 08, 2014, 10:33:22 pm »
1. PhilAm Term Life Insurance
2. 1M
3. ~3k
4. It's plainly life insurance lg talaga
5. 1 year
6. To play it safe and to Invest the rest of my money na maipon ko sa MF. Mas malaki yung returns

I'm not really into VUL and whole life insurance. Ang mamahal kasi and NAkakatakot kasi pag samahin yung insurance with your investment. Buy-term-invest-the-difference (BTID) yung style ko for investing. You've heard it from financial experts BTID.  ;D

shenggai

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Re: Anong insurance ang kinuha nyo?
« Reply #6 on: April 09, 2014, 08:13:28 am »
generali.
depende sa magkano kaya mong ihulog mo/quarterly/annually ang rate ng insurance.
mine is 3k mo, 9k quarterly
5yrs to pay
sa i remember 200k yung life insurance after 5yrs, mas mahal sa death.
2 yrs pa lang may makukuha na pag may accident

pwede ka ring mag withdraw after 5yrs, though hindi full amount. meron pa ring dividend every year.
choice mo rin kung hindi mo kunin.
habang tumatagal, mas lumalaki.

kinuha ko siya kasi, sakaling matigok ako at walang ipon wala nang mamomroblema kasi may money na makukuha.

honestly, hindi ko alam kung best yung nakuha ko binalak ko siya itigil nung 1st year pero sayang so tatapusin ko pa siya. 3 years na lang...

for me it's like ipon na i don't have
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Just because you're the victim doesn't mean you are not at fault.

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mameejhy

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Re: Anong insurance ang kinuha nyo?
« Reply #7 on: April 09, 2014, 01:08:32 pm »
@alainewillgoplaces - sis, ilan taon ka? Same kayo ni hubby pero mas mahal ang premium nya

florencia

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Re: Anong insurance ang kinuha nyo?
« Reply #8 on: April 12, 2014, 10:23:06 pm »
^ baka mas malaki ang amount coverage sis? Or baka mas marami syang rider?

mameejhy

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Re: Anong insurance ang kinuha nyo?
« Reply #9 on: April 13, 2014, 12:55:47 pm »
Nope, same lang. Sa age lang pwede magkatalo hehe

simply_let

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Re: Anong insurance ang kinuha nyo?
« Reply #10 on: April 13, 2014, 05:01:50 pm »
- PHILAM LIFE
- LifeSave Plus
- 20years to pay
- 15K Semi - Annual
- Face amount 200k
- Singlemom kasi ako

JINJIN:*

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Re: Anong insurance ang kinuha nyo?
« Reply #11 on: April 13, 2014, 07:06:33 pm »
1. Ano po ang insurance na kinuha nyo? Abundance from Philam
2. Magkano ang face amount?Ilang years to pay? 500,000 7years to pay
3. Magkano ang premium? 27000
4. Ano po ang additional benefits? me mga Riders for Accidental Death
5. Ilang years kayong covered? not sure
6. Reason kung bakit yun ang kinuha nyong insurance? eh eto kase ang inoffer nung agent ko, ang gusto ko lang naman is a pension plan, eh nagnyari yung life insurance ang rider at ang base niya is the pension plan. Pero maliit lang ang coverage. Parang 100k lang.
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phoenix77

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Re: Anong insurance ang kinuha nyo?
« Reply #12 on: April 25, 2014, 06:06:33 pm »

Eto po yun sa akin...
1. Ano po ang insurance na kinuha nyo?
Term life - for the high protection coverage
whole life- for my critical illness benefit
vul - for my retirement planning (and future spending needs :))
2. Magkano ang face amount?Ilang years to pay?
term pay until needed
whole life & vul pay until able :)

3. Magkano ang premium? term is cheapest

4. Ano po ang additional benefits?
sa whole life ko, critical illness benefit yun added aside from the standard accidental death

5. Ilang years kayong covered?
yearly renewable term until age 70 or when its not needed anymore whichever comes first.
whole life & VUL until age 100

6. Reason kung bakit yun ang kinuha nyong insurance?
each insurance type has a reason or purpose to maximize the potential of the product. i didnt take it all at once. i just added as i am able to and to revisit/review my financial plan.

hope this helps.
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Annie M.

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Re: Anong insurance ang kinuha nyo?
« Reply #13 on: April 26, 2014, 02:51:12 pm »


1. Ano po ang insurance na kinuha nyo?

Sunlife Milady specifically for women
http://www.sunlife.com.ph/philippines/Products+and+Services/Individual+insurance/Sun+Milady+%28plus%29?vgnLocale=en_CA


2. Magkano ang face amount?Ilang years to pay?

P1 million lang po, 20 yrs to pay

3. Magkano ang premium?

I got this 9 years ago, so mababa pa ang premium that time -- P10,500 a year


4. Ano po ang additional benefits?

If ever I am diagnosed with women's diseases like cancer of the ovaries, breast, etc. may cash benefit of up to 500k


5. Ilang years kayong covered?

Until age 65 I think.

6. Reason kung bakit yun ang kinuha nyong insurance?

The women-centric benefits seemed attractive to me

Hope this helps!

lavinia13

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Re: Anong insurance ang kinuha nyo?
« Reply #14 on: May 08, 2014, 02:18:20 am »
sana marami pang mag share  ;)

Lianne@TheWiseLiving

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Re: Anong insurance ang kinuha nyo?
« Reply #15 on: May 08, 2014, 01:02:47 pm »
1. Ano po ang insurance na kinuha nyo?
I got Sun Maxilink Prime. It's a VUL (life insurance with investment).

2. Magkano ang face amount?Ilang years to pay?
FA is 1 million. 10 years to pay.

3. Magkano ang premium?
Premium is 48,000 yearly. I invest 4,000 monthly, though. Pwede syang i-apply sa Bills Payment ng BPI.

4. Ano po ang additional benefits?
Accidental death benefit, Total disability benefit, 2 million death benefit, additional 1 million if death is due to accident, hospital income benefit, plus retirement fund benefit kasi invested ang money ko at the same time, insured ako.

5. Ilang years kayong covered?
Until I'm 88 years old.

6. Reason kung bakit yun ang kinuha nyong insurance?
My parents are retiring soon so I'm going to be the breadwinner. Ayoko naman na if something happens to me, my family will be in debt. I want to take care of my loved ones. Also, I'm only 22, so cheaper pa ang premium, but since I can do 4,000 monthly naman, that's what I got. Ako din kasi ang personal financial advisor ko :)
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crzysxycl

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Re: Anong insurance ang kinuha nyo?
« Reply #16 on: May 09, 2014, 08:45:27 am »
pasali.. wala pa akong kinukuha, but im torn between sunlife and prulife.

marssie

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Re: Anong insurance ang kinuha nyo?
« Reply #17 on: May 25, 2014, 12:14:05 am »
Hope to hear more sa mga may philamlife

mameejhy

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Re: Anong insurance ang kinuha nyo?
« Reply #18 on: May 25, 2014, 04:19:07 pm »
pasali.. wala pa akong kinukuha, but im torn between sunlife and prulife.

Kung life insurance with vul... go for Prulife UK kasi mas ok ang returns. :)

crzysxycl

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Re: Anong insurance ang kinuha nyo?
« Reply #19 on: May 28, 2014, 08:27:43 pm »
^thank you sis. finally, nakakuha na rin ako sa PRU. :)

 

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