PRU LIFE UK

[MoonHuntress]

I have 2 policies with Pru. So far happy ako kasi love ko talaga insurance. I started at 2k/month nung 2016 prulink assurance account plus ([textspeak!] forever bayad) and increased it at 5k/month this yr and bought another one na mas focus sa investments with some insurance, Elite 15. Sobrang laking help sa finances ko 😊

[swit16garl]

Just got my first insurance with Pru with the Elite Series. Here's to hoping and praying I can continually pay for it for the next 15 years. Commitment!

[swtgrl_bee]

Mga sis saang part ng app / website niyo nakikita if kumikita yung investment? Thanks

[swit16garl]

My sister recently got an email from Prulife that she is qualified to add 9K to her annual premium and she will get an additional 900K in coverage. Accdg to our agent, not everyone is entitled to this. And on his 4 years as an agent, she's the 4th one offered. 

[JaniceCatbagan]

Kumuha kasi ako ng prulife uk policy ko which is 3k monthly paa plus nitong month na eto, yun nga lang bigla ko naisip parng mxadong mabigat ata since meron din akong binabayaran na policy sa sunlife which is 3k monthly din..one year n ako nagbabayad for my sunlife insurance.. I Just want to ask if pwede pa ba mag ammend pra ibaba ko yung monthly premium ko sa prulife UK..  Thank you

[nataliaesperon2000]

My sister recently got an email from Prulife that she is qualified to add 9K to her annual premium and she will get an additional 900K in coverage. Accdg to our agent, not everyone is entitled to this. And on his 4 years as an agent, she's the 4th one offered.

parang di naman totoo yan na hindi lahat naooferan naoferan din ako at kasamahan ko 7 months pa lang kami naghuhulog

[barbillie]

Kami din, parang 3 months ago may nagoffer to increase, tapos this month nag-offer na naman.

[kireinachean]

we recently avail prulife insurance for our kids around 3600 for 7 years. Matagal ko na gustong istart sana to but ngayon lang nagkaron ng extra. Our main goal is maging aware sila as young as they are na insurance is important and also if they will need money in the future ay meron silang panimula.

[swtgrl_bee]

^Anong name ng plan sis?

[swtgrl_bee]

Saan banda sa PRUaccess account natin makikita if kumikita tayo? Thanks

[det060403]

^if I'm not mistaken, sa tab na Financial Values

[swtgrl_bee]

^I'll check, thank you sis. 

[michi247]

Nagpaquote si hubby sa Pru life and 2 din ang binigay sa amin, Lifetime Saving and yung 15 years saving. Nagtataka lang ko na same kami ng babayaran kahit magkaiba kami ng age. Question ko, Paano ba kinocompute yung premium? More on VUL ba kaya tumataas o dahil sa nakaadd na riders?

May Sunlife na kami and balak lang sana namin magdagdag kaso yung present premium ko sa Sunlife, x2 sa Pru. Ang difference na napansin ko is may critical illness and hospital income na nadagdag dito sa Pru.

Nagbackread din ako kasi naguguluhan din ako kung lifetime ba o yung may limit ang magandang kunin if ever magdagdag kami ng insurance. 

[det060403]

^ang alam ko premium depende sa budget mo, sa age mo or benefits na gusto mo, iaadjust sa premium. Pwedeng same kayo ng premium Pero magkaiba kayo ng insurance charge and investment.

[michi247]

^ thanks. Pwede pa pala iadjust, sige sabihin namin sa agent kung ano budget and gusto namin benefits.

Wala ba minimum amount na sinusunod sa continuous saving or PEP15?

[det060403]

Iba iba ang minimum premium ng bawat plan. Mas maigsi ang yrs of payment mas mahal. Kung ang plan mo regular pay, kaya yan sa low premium, though depende din sa age ah, kasi nagmamahal ang insurance as we age. Kujg ang plan mo limited pay, lets say 5yrs, mas mahal ang minimum premium.

[TMariell9]

Hi! Any financial advisors here? What do you think of my plan? I got Pru life assurance plus account with below details:
Accelerated TPD: P1M
Accidental Death and Diablement: P1.2M
Accelerated Life Care Benefit: P500k
Riders:
Daily Hospital Income: P1000/day
Surgical expense: P15,000
Long Term Hospitalization: P1000/day
Intensive Care Unit Benefit: P2000/ day.

I also asked my agent about the fund allocation and she says 10% from premium based on the illustration given. And upon checking, what she is talking about is the investment return and not the fund allocation. Seems like my agent is incompetitive.
I've been paying my premium for 5 mos and until now di ko pa din nakukuha yung policy kit.
Do I need to change my agent na ba?

[swtgrl_bee]

^Grabe ang tagal ah, ako within a  month ng first payment ko meron na eh.

[TMariell9]

Yes! I'm pissed off na nga eh. Kasi nung inimbitahan nya ako kumuha ng policy sobrang bilis makipag meet up. Ngayong kukunin na policy kit busy na. i understand this is just her part time job but still kinda unfair since may commission silang nakukuha. I'm thinking of getting a full time FA na since I'm afraid if something ba happen to me and need ko magwitgdraw eh ang idadahilan sakin busy sya

[det060403]

^^ kung equity fund yan, 100%~ kung tama ako ng pagkakaintindi sa concern mo ah hehe