Insular Money Back Reloaded: is this a good plan?

[chefron]

Beautywhite, di ko alam if they have shorter paying period, just for information, you can only change your mode of payment during the 1st 6 months of your policy, with any insurance company

[leilaniandson_onlineshop]

 I am thinking to get this one too. I already have Manulife Insurance. Almost 9k annually. My question is reliable po ba yung company and after few years stable pa rin? Thanks.

[chefron]

102 years na po ang insular

[leilaniandson_onlineshop]

ok, whoever wants to refer me 09273772047.

[entwife]

ok, whoever wants to refer me 09273772047.

Sis, e-mail mo lang ito. Mabilis sila magreply. They will give you a sample computation depende sa plan na gusto mo.

AMCD Direct Mktg (MTemplonuevo) <mstemplonuevo@insular.com.ph> yan po yung taga insular na nagprocess ng application ko, siya din yung nakalagay sa website.

eto po yung sa website
http://www.insularlife.com.ph/product-services/for-individuals-and-families/savings/moneyback-reloaded/

[Bel_84]

AMCD Direct Mktg (MTemplonuevo) <mstemplonuevo@insular.com.ph>

sya din yung ini email ko..bilis nga sumagot will get this pang diverse din ng investment portfolio.

[beautywhite]

 Paano nga ito bayaran? TIA!

[Primrose]

Through their accredited banks sis. Deposit or ADA for future payments.

[entwife]

maraming options.

over the counter insular offices
over the counter bank (BPI, BDO, Metrobank, Union bank)
online banking
automatic charging option

[beautywhite]

Beautywhite, di ko alam if they have shorter paying period, just for information, you can only change your mode of payment during the 1st 6 months of your policy, with any insurance company

 Thanks,they replied that this is really for 10 years.

[beautywhite]

maraming options.

over the counter insular offices
over the counter bank (BPI, BDO, Metrobank, Union bank)
online banking
automatic charging option

good, convenient .

[Superjoie]

I'm planning to get this for myself through Mary, thanks to sis chefron who gave her email address! mabilis nga sya magreply sa email.

[Primrose]

I already got one for myself, paid the intial premium na...9 more to go! 

[caterpillar-girl]

Question lang sa nagavail, guaranteed ba yung money back KAHIT magfile ka ng claims, like hospitalization, etc. Or ma vovoid yung money back mo?

[beautywhite]

 I think naka indicate the hospitalization cost will be deducted upon receiving the money back.

[PrincessC]

wow, ang interesting naman nito... have to check my finances if kaya. may binabayaran pa kasi akong condo e...

[entwife]

Hindi ko natuloy yung pagkuha ko nito. Plan ko before is after holy week kaso nagkasunod sunod yung expenses. But I am still positive with this plan. Okay yung inooffer niya and affordable naman.

Even if you plan to go abroad, pwede pa rin to di ba?

[mxherr5]

^
Not trying to put you down here but the fact that
you had to delay on purchasing this might be a clue
that your finances might not be ready for this fixed
and relatively long term financial commitment?

Baka masayang lang pera mo if it turns out you
would have troubles paying for the monthly premium....

[entwife]

I think I have to be surrounded by people who are financially literate.

Eto yung insurance na afford ko based on my salary and I do not see anything negative about the plan. I mean low risk kumbaga. Hay oo nga. bakit hindi ko pa inumpisahan,. Nawala ata ako sa focus ko sa finances. Tsk

[caterpillar-girl]

Ang mejo problem ko dito is the insurance covers me for 20 years lang. So til I;m around 50 y/o only. Mejo nasasayang ako... so now I'm thinking baka term insurance + separate investment (MFs, UITFS etc) pa rin ang bagsak ko.