Author Topic: Anong insurance ang kinuha nyo?  (Read 106296 times)

eischied_21

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Re: Anong insurance ang kinuha nyo?
« Reply #340 on: May 17, 2019, 10:41:05 am »
^ They explained to me na parang hindi pa daw enough un funds na mag self-liquidate ek ek and bumaba daw un interest yearly (may term dito sa interest na to forgot yun name).

Yearly payment is 12K plus . Face amount is 500K with accident rider of 300K or 500K (forgot exact value ng accident). I got it in 2006. I just decided to continue the plan until now since kahit papano kaya pa naman magbayad and I don't have any other choice, its either to stop or continue paying it. I even asked the rep if I can shift it to VUL which is not possible to happen daw. That time when I got the insurance hindi pa naman uso ang mga VULs.
« Last Edit: May 17, 2019, 10:45:24 am by eischied_21 »

chubzkittinz

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Re: Anong insurance ang kinuha nyo?
« Reply #341 on: May 23, 2019, 01:49:37 pm »
my manulife agent quoted me na 9k daw ang education builder nila - nakakatakot na price :(

i want to get insurance coverage for myself sana but i'll use the funds for my son's education

almost 5k yun quoted sakin..heheh..pricey for me..I am thinking also of getting for myself nalang kasi if kasama anak,payor lang ako and if I die,waived lang yung premiums,panu yung panlibing sakin?heheh..if i am the insured,may amount ako maiiwan sa mga anak ko..dba?

sdjulian

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Re: Anong insurance ang kinuha nyo?
« Reply #342 on: July 09, 2019, 04:21:57 pm »
almost 5k yun quoted sakin..heheh..pricey for me..I am thinking also of getting for myself nalang kasi if kasama anak,payor lang ako and if I die,waived lang yung premiums,panu yung panlibing sakin?heheh..if i am the insured,may amount ako maiiwan sa mga anak ko..dba?

Hi sis,

If planning for the education of your kids, I suggest getting a term insurance (cheapest type of insurance) and investing your funds in equity funds.

This is the best value for your money. and when the time comes that your kid finishes college, you can now stop paying for the term insurance, since you won't be needing it anymore.

And dapat ikaw ang insured, kasi ikaw ang source of income. yound proceeds for your insurance in case something happens will be invested, and your coverage should be enough to cover for your kids education.
« Last Edit: July 09, 2019, 04:25:02 pm by sdjulian »

MoonHuntress

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Re: Anong insurance ang kinuha nyo?
« Reply #343 on: August 17, 2019, 12:25:08 am »
I have 2 policies with Pru Life uk. One is prulink assurance account plus, forever bayad ito. Started it last 2016, 2k/month then inupgrade ko to 5k/month pati lahat ng riders like life, accident, disability, critical illness, hospitalization. Around 5M total coverage. Then, 2nd policy I got this year lang. Elite 15, focus sa investments with insurances padin. So far happy kasi napaka flexible. Medyo naadik sa insurance hehe

bluish_mommy

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Re: Anong insurance ang kinuha nyo?
« Reply #344 on: August 20, 2019, 02:50:41 pm »
panu yung panlibing sakin?heheh..if i am the insured,may amount ako maiiwan sa mga anak ko..dba?

kaya dapat kuha ka din ng funeral service plan, para yung insurance claims for your beneficiaries, intact ;-)

bratinella08

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Re: Anong insurance ang kinuha nyo?
« Reply #345 on: September 07, 2019, 11:29:23 am »
Have Maxibright at Sunlife and FWD (Security Bank). Okay naman sakin mga policies.
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thatprettyghoul

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Re: Anong insurance ang kinuha nyo?
« Reply #346 on: September 10, 2019, 10:21:31 am »
SunLife MaxiLink Prime
-Face Value 500k lang 10yrs to pay
-Insured til 88y/o
-25/F nung kumuha
-24k + annually
-Total Disability benefit
-Accidental Death, Dismemberment, Disablement benefit
-Critical Illness benefit
Investment Fund Alloc:
Index and Captains 50/50

**First insurance ko. I do not know if I did it right. Haha. I trust my agent though, workmate then friend ko sya.
« Last Edit: September 10, 2019, 10:26:32 am by thatprettyghoul »

sctordy12

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Re: Anong insurance ang kinuha nyo?
« Reply #347 on: September 21, 2019, 03:28:58 pm »
Insular Life :)

swit16garl

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Re: Anong insurance ang kinuha nyo?
« Reply #348 on: October 01, 2019, 11:20:23 pm »
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?

I just recently got my third (applied last sat and got approved last mon, yey!)

1st: Sun Maxilink Prime: Face Amount = 500K (but will cover twice the face amount), with riders for accidental death and total disability waiver. 10 yrs to pay for 25K. Got it when I was 28 yrs old, so 5 yrs to go! Should be covered until 88 yrs old. Agent was my cousin-in-law and had been "courting" me for a few years na.

2nd: Sun Fit and Well Advantage: Face amount = 1M (with guaranteed payouts starting 65 yrs old and every other year for 8 times). This is mainly for critical illness but if not withdrawn, it can also cover life. Same riders. 10 yrs to pay for 59K (annual payment). Got it 3 yrs ago. Should be covered until 100 yrs old.

3rd: Prulife Elite Protector 15: Face Amount (for life) = 2M, critical illness (1M). There's also Hospital Income benefit as well as personal accident. This is the most in-depth coverage I have. Life covers until 100, critical until 70.

tamarind26

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Re: Anong insurance ang kinuha nyo?
« Reply #349 on: October 02, 2019, 12:21:02 pm »
Prudential
8k/month in peso
payable until age 75
FA - 20m in peso
M * A * Y * A * N * G * K * Y

Musiqera

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Re: Anong insurance ang kinuha nyo?
« Reply #350 on: February 04, 2020, 05:27:38 pm »
Hello, tanong lang po ano po yung ok na insurance para sa single at walang plan magka family ng sarili? Yung pang selfish na insurance meron ba? haha! weird ng tanong ko. Dame kase nangungulit na financial advisor. Gusto ko humingi ng advice from someone na hindi iniisip yung kikitain nya saken sa halip ay magbigay ng honest opinion at swak para dun sa tao..gusto ko lang ng insurance na mapapakinabangan ko habang buhay ako or ma ospital. Meron bang ganun? I know it's weird kase napapakinabangan lang naman ito madalas pag wala ka na. Baka ma murder pa ko ng pagmamanahan ko pag nagkataon..pasensya na po if wala sa hulog pero sana may makasagot, salamat!
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gwyne21

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Re: Anong insurance ang kinuha nyo?
« Reply #351 on: February 05, 2020, 12:41:28 pm »
Hello, tanong lang po ano po yung ok na insurance para sa single at walang plan magka family ng sarili? Yung pang selfish na insurance meron ba? haha! weird ng tanong ko. Dame kase nangungulit na financial advisor. Gusto ko humingi ng advice from someone na hindi iniisip yung kikitain nya saken sa halip ay magbigay ng honest opinion at swak para dun sa tao..gusto ko lang ng insurance na mapapakinabangan ko habang buhay ako or ma ospital. Meron bang ganun? I know it's weird kase napapakinabangan lang naman ito madalas pag wala ka na. Baka ma murder pa ko ng pagmamanahan ko pag nagkataon..pasensya na po if wala sa hulog pero sana may makasagot, salamat!

You can get sun fit and well from sunlife. Focus nya ay health talaga. Research nyo po yung product...
Pwede ka din kumuha ng hmo. Madami providers nito (Maxicare, Insular, etc)

TMariell9

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Re: Anong insurance ang kinuha nyo?
« Reply #352 on: March 01, 2020, 11:03:27 pm »
Hi guys! I need suggestions kung tama ba tong idea ko.
I have Pru life PAA. Monthly premium is 3k/month or 36k annually. Whole life payable. Below are the benefits.

BENEFIT(S)
PRULINK ASSURANCE ACCOUNT PLUS Accelerated Total & Permanent Disability - 1,500,000.00
Accelerated Life Care Benefit - 500k
Accidental Death & Disablement -1M
Waiver of Premium on TPD
HOSPITAL INCOME RIDER BENEFIT(S)
Daily Hospital Income - 1k
Intensive Care Unit Benefit -2k
Long-term Hospitalization Benefit - 1k daily
Surgical Expense Benefit-15k

I'm planning to decrease my premium go P1500/month and get sun life sun fit and well advante na 14k annually since maganda din benefits. 

Below is the proposal.
Covered until age 100.

Health/Life Insurance Coverage: P500,000
Specific Cancer Booster: P250,000
Hospital Income Benefit: P625/day
Post-Hospitalization: P5,000
Home Recovery Benefit: 312.50
Palliative benefit: 50,000
Guaranteed Cash Benefit: 25,000

20 years to pay. With special bonus  at the end of premium paying year which may be withdrawn and annual dividend earnings. 
Ang nagustuhan ko din [textspeak!] 114 illness and covered unlike nung sa pru na 36 lang.

Please help me to decide kung idecrease ko ba vul ko sa pru life para makakuha ng insurance with sun.
Inisip ko din incase na di ko na kaya bayaran yung mothly, I can give up the other one. Which is not likely to happen.                                                                                                                                         
           
           
         
       
       


maricar14

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Re: Anong insurance ang kinuha nyo?
« Reply #353 on: March 05, 2020, 09:34:41 pm »
hi mga sis, can anyone recommend a good Term Life insurance? Yung mga agents kasi are pushing for VUL or Whole life insurance. I just want Term hehe
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Maia_Cache

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Re: Anong insurance ang kinuha nyo?
« Reply #354 on: March 06, 2020, 09:48:50 am »
Experts says that minimum coverage dapat is 10M to make sure that your dependents will be ok when you die so my strategy is to get 3-4M coverage na VUL, because i also want the investment part dahil nasa 8-10M ang target fund niya for retirement. then the remaining 6M i will just get term para mas mura, prob lang naman sa term is that malaki chance na when you are old mahirap na maapprove and nagmamahal, so what i pln o get is yung autorenew na term para kahit old ka no need for approval.

Marami ngsasabi to just get term and invest the remaining, pero for me diversification lang, marami rin ako investment outside the VUL pero mas kampante kasi na kapag pumalpak yung sariling investment mo may aasahan ka pa rin na fund from vul

VShe

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Re: Anong insurance ang kinuha nyo?
« Reply #355 on: April 03, 2020, 12:24:44 pm »
I got my family's  policies from Sun Life.  With coverage for critical illnesses. 
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D4thAngel

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Re: Anong insurance ang kinuha nyo?
« Reply #356 on: April 08, 2020, 06:06:35 pm »
Recommended coverage for the breadwinner is 5-10x  his annual income. The reason behind is to give sufficient time to the family to adjust to a new lifestyle in the absence of the breadwinner. Later on makakahanap din sila ng pampalit sa nawalang income. Besides, eto din ang kakayaning budget ng breadwinner, be it a Term or a Permanent Insurance. Yes, insurance must be a priority, but there are also other expenses to prioritize as well.
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PrettyEomma303

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Re: Anong insurance ang kinuha nyo?
« Reply #357 on: April 24, 2020, 06:59:00 am »
Hi guys! Anybody here from Philam? I inquired from their website and it's been 3 weeks, nobody has contacted me yet. I need a proposal.

eeyanross

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Re: Anong insurance ang kinuha nyo?
« Reply #358 on: May 07, 2020, 01:26:38 pm »
Hindi ako marunong mag-open nang new thread ..

Ask ko lang kung anong magandang health insurance for 65 yo and up, in terms of coverage and annual payment (?)  Sa mga kumuha for their parents, anong insurance company and plan ninyo?


marssie

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Re: Anong insurance ang kinuha nyo?
« Reply #359 on: May 07, 2020, 06:51:38 pm »
AXA advisors help please!  5 Years din ang Axelerator ng kapatid ko, supposedly tapos na last December naka auto-debit sa bank niya but still nagbabayad pa raw siya, dahil kaya sa mababa ang stocks at kulang pa nababayad niya na premium kahit over 5 years na siya or dahil sa kailangan ipastop yunga uto-debit?

 

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