Insular Money Back Reloaded: is this a good plan?

[entwife]

Nakakuhan a rin pala ako nito last July. Ang alam ko is basta nakapagbayad ka na kahit once lang then you died, you will get the whole amount, yung face value I think. Eto rin yung una kong insurance.Kaya I'm a newbie myself.

[chefron]

anytime you die after the contestability period, which is the first 2 yrs, eh babayaran nila ang beneficiary mo ng face amount na nakalagay sa policy mo.

[mxherr5]

^
Whoa you have to be clearer than that.
The way you said it sounded like the policy
would only pay out after the 2 year contestability period.

@jewel, as long as you are current on your payment
then you will get paid even if you only paid for 1 month
then you die.

A possible exception is thru the contestability period.
I.e. if you hide that you had a heart attack for example,
then the company reserves the right to investigate and deny
payment to your beneficiary if found that you had lied in
your application.

If its after the 2 year period then the company will pay
even if let's say you lied about having cancer or whatever
and you eventually died because of the same illness.

[beautywhite]

 ayan,mas clear na,mababayaran ka basta current at no problem sa policy na kinuha mo.

[chefron]

ayan na ang mahabang paliwanag hahaha salamat

[Ma.Jewel_1987]

Yey thanks mga sisses I love you all hehe, convinced na akong kumuha, nakukulitan na kasi ata sakin si Mary ng insular eh kaya hindi na nag reply haha 

[smua2014]

Hi mga sis! I'll try applying for this as well. Is it okay for me to inquire about sample computations about the different plans of this policy kahit na by the end of the year pa ako magbabayad? I want to pay annually kasi eh pero madami pang gastusin ngayon but I really want to have this policy as soon as possible din. 

[chefron]

oo naman sis, you can ask as many products you like pero proposal have a number months lang na valid ata

[smua2014]

oo naman sis, you can ask as many products you like pero proposal have a number months lang na valid ata

Oh I see. Thanks for the info sis. What payment methods do they accept for monthly payments? I think I'll be starting with monthly payments on my first year then I'll pay annually na lang in the long run.

[smua2014]

Just applied for this policy earlier. Around ilang days bago ninyo na receive yung result nung applications ninyo mga sis?

[cinnam]

Sabi ni ms. Templonuevo of insular, this plan scheduled to be delisted this year. Any idea why? It kinda discouraged me to join the plan. Hmm...

[beautywhite]

 Baka madaming nag apply and seems the profit is promising...as long as pasok ka sa application and naka pay ng premuium mo,okay na yun.Sure na insured ka na.Or madami naman silang offer na plans.

[chefron]

Just applied for this policy earlier. Around ilang days bago ninyo na receive yung result nung applications ninyo mga sis?

thourgh email kaba nag apply? pag apply mo, they will send you the policy agad tas tsaka mo sya babayaran.

Sabi ni ms. Templonuevo of insular, this plan scheduled to be delisted this year. Any idea why? It kinda discouraged me to join the plan. Hmm...

baka nareach na kase yung number of sales na sinet nila..lahat naman ng product ng insurance nagbabago bago

[smua2014]

thourgh email kaba nag apply? pag apply mo, they will send you the policy agad tas tsaka mo sya babayaran.
baka nareach na kase yung number of sales na sinet nila..lahat naman ng product ng insurance nagbabago bago

Got my policy contract na earlier. Sorry sa late update hehe. Yes, madami kasing kumukuha ng policy na to eh kaya ang bilis nilang nakuha yung target sales nila. 

[entwife]

If madedelist itong plan, wala namang mangyayari sa mga nakakuha na before noh? Sorry, unang pagkakaintindi ko kasi is the plan is not doing well kaya tatanggalin na lang nila. Hehe.

Mabilis magreply si Ms. Templonuevo and very accommodating. Ang tyaga nya pa sumagot ng mga questions. Kaya rin ako napakuha ng plan.

[chefron]

hehe wala pong mangyayari sa plan kahit wala na yung product na yan.

[smua2014]

^ yes sis! buti nakakuha na bago nadelist 

[airish_2]

madedelist na sya until june 30 2014 na lang ano meaning ng plan 500? 500PHP lang babayaran mo?

[chefron]

no, plan 500,000 po

[twenty5]

Hi Got plan for Education +Retirement kakastart ko pa lang.....