Insular Money Back Reloaded: is this a good plan?

[chefron]

panong sayang sis eh nabalik din naman yung pera mo plus tubo.

term insurance din ito sis, baka yung sinasabi mo is whole life insurance na til age 100 covered ka. mahal ang ganitong klase ng insurance pero maganda sya for your estate planning and pang inheritance na din.

[RoughLady]

Wasn't able to avail this kasi we are saving for our upcoming baby. Hopefully, I will start on this sa December 2013. 

[beautywhite]

 I applied for this and it was approved.The policy already arrived at home.I will be making my initial payment anytime soon.

[chefron]

congrats sis on taking the 1st step.

go go go for our future!

may nakakaalam ba kung pwede magchange from monthly to quarterly payment?

[RoughLady]

^^ wow naman! Congrats sis! Hopefully ako din, magawa ko to.

[beautywhite]

^^ wow naman! Congrats sis! Hopefully ako din, magawa ko to.

 you're welcome sis.Madali lang ,I just sent the application with photocopies of valid IDs.

[RoughLady]

you're welcome sis.Madali lang ,I just sent the application with photocopies of valid IDs.

Thanks sis for the info! Kaso di ko pa siya magagawa for now since we are gearing up our finances for our upcoming baby. Pero I'm still hopeful, I can do this before 2013 ends.

[chefron]

Nako better do this sis pagkaanak mo! Para insured kana din may pang gift kapa kay baby after his/her graduation.

Also you can join a mutual fund to secure your childs college education.

[RoughLady]

Nako better do this sis pagkaanak mo! Para insured kana din may pang gift kapa kay baby after his/her graduation.

Also you can join a mutual fund to secure your childs college education.

Yeah sis, looking forward talaga ako to start with this. Anong payment term ang kinuha niyo? Monthly, quarterly or yearly? Ako kasi I'm thinking of yearly na lang, every december after 13th month pay ang bayad ko if ever.

OT sis, iyong mutual fund, okay lang ba na mgbigay ka lang ng initial investment then you're not going to contribute every month?

[entwife]

I decided I'll do semi-annual. So this June ako kukuha. Sure nako. hehe.

Ipapascan ko na lang yung application form tapos isesend ko na.

[chefron]

monthly ako sis, pero gusto ko din ipabago to annual payment, feeling ko kase mas lesser ang paglapse if annual.

*MF 5k ang start tas 1k lang monthly hulog..if may malaking cash ka, lets say 50k, pwede mong iwanan dun yun tas tsaka mo balikan, pero syempre dont expct na malaki ang tutubuin...ako magstart pa lang sa MF sa july.hopefully maging maayos din

[RoughLady]

Ako din gusto ko yearly since mas lesser iyong payment rather monthly or quarterly.  Nice, okay din naman pala. Thanks sis for providing info sa MF ah. 

[caterpillar-girl]

panong sayang sis eh nabalik din naman yung pera mo plus tubo.

term insurance din ito sis, baka yung sinasabi mo is whole life insurance na til age 100 covered ka. mahal ang ganitong klase ng insurance pero maganda sya for your estate planning and pang inheritance na din.

Kasi sis if I get now, my insurance will last me til 50 lang. Hindi ba too early mawalan ng insurance?
Iniisip ko sana til 65 man lang.

Sabagay my child is 20 years old by then, I won't need insurance for too long... But I dunno.

And no sis, I meant term insurance + separate investments. But we'll see. Thanks.

[chefron]

insular has term til 65

[Primrose]

In my case naman, i have a life insurance na yung till 100 years old then I decided to get this product of Insular kasi I see it more of a savings/investment plus factor na yung may insurance rin siya. 

[beautywhite]

 I am ''in'' today...already insured under this insurance.

[chefron]

Wow congrats sis!

[beautywhite]

Wow congrats sis!

 welcome sis...

[Ma.Jewel_1987]

Sisses i hope you can answer my question first time ko kasi kukuha ng policy if natuloy to.The is policy payable in 10 yrs, what will happen let's say if i die on the 5th year will my family still get the money kahit di ko nabayaran lahat? Sorry noobs question  tia

[beautywhite]

 Sa pagkaka alam ko po waived na yun,makukuha ng family mo ,kung ano naka state sa policy.First time ko din kumuha for di ako naniniwala sa insurance before kasi.Try mo basahin ang policy,may matatanggap ka na policy,lahat dun naka state.Or I hope anyone can give informations na madaling maintindihan.But I think makukuha mo yun,just like other policy like housing ,pag namatay ang kumuha ng loan ng earlier than the whole amount,ang payments ay waived na.