AXA Philippines

[pretty_B]

^wow. i learned something! thanks sis!

life basix itong kinuha ko. so, you suggest na continuous payment till 10years then wait for another 5yrs if i want the loyalty bonus? nainspire ako to wait for my retirement.

Another question, may mga nagsisinungaling ba sa application? hehe. i mean, wala naman kasi hinihinging medical cert or what. what if sabihin kong hindi ako smoker pero smoker pala? ano kaya effect nun? thanks!

[mxherr5]

Either the premium will get adjust accordingly like say the age was wrong
so you paid less in premiums to severe cases like hiding a medical condition
in which case no benefit is payable and the company will just pay off all
of the charges it got from you plus the fund value of the policy. In other words,
ibabalik lang yung binayaran mo. (not exactly though because again a part
of your premium is invested and it can be bigger or smaller due to market
forces).

The above only applies for the first 2 years. After which hindi na pwedeng
i-contest ang claim mo.

[pinkat]

I applied for axelerator. Sana okay hoping for the best!

[glysolid_clarins]

Hi. Ive just talked to an FA. He made me a proposal for Life Basix.. 25k annually with critical condition worth 400k sum insured (covers til age 71 diagnosis, 600k protector covers til age 75).. And 400k for basic which  covers til 100yo..now anong coverage ba sa 600k protector and 400k na basic? Will investing in another insurance company makes diversification to supplement my Axa policy or will increase na lang Axa premiums instead to have higher coverage and higher returns?gusto ko din kasing itry ibang insurance company pero VUL product pa din. Thank you.

[nikki]

I was at Metrobank the other day and saw a booth with axa. So I got interested Kasi I heard good feedback about AXA. I asked about what products they can offer since I have this and that na from other bank assurance and other insurance companies. There's a couple interesting products sana pero super failed ang financial advisor. Nalungkot ako sa Usapan namin haha.

Whenever I ask, he would say "Siguro mam..." Eh so hindi mo alam?? Anyway, sayang I have extra funds pa naman to spare. They just lost a client.

Will go back to BPI philam na Lang ulit 😃

[D4thAngel]

Enter your message here

I applied for axelerator. Sana okay hoping for the best!

Ok yan sis, I bought that for my son's college education. Mas mabilis kasi ang growth ng investment nyan compared to Life Basix. 1 year na lang tapos na kami (5 yrs to pay lang) then sakto on 10th year pwede na gamitin.

I was at Metrobank the other day and saw a booth with axa. So I got interested Kasi I heard good feedback about AXA. I asked about what products they can offer since I have this and that na from other bank assurance and other insurance companies. There's a couple interesting products sana pero super failed ang financial advisor. Nalungkot ako sa Usapan namin haha.

Whenever I ask, he would say "Siguro mam..." Eh so hindi mo alam?? Anyway, sayang I have extra funds pa naman to spare. They just lost a client.

Will go back to BPI philam na Lang ulit 😃

Sad to hear that sis. May you want to post your inquiries here. Maybe what I can share na kakaiba sa Axa is they are offering Insurance Online which is an advantage to out kababayans abroad who wants to avail a Life insurance pero hindi makauwi. The product is purchased online and payment is made via credit card. No issue even if it is purchased outside Phils.  since it is an online insurance product.

Axa also has a global HMO with P100 Million coverage, which can be used even when outside the country. Very ideal sa mga mahilig magtravel abroad. This is renewable until age 99. With a minimal premium difference versus other HMO's, sobrang laki naman ng coverage.

Hi. Ive just talked to an FA. He made me a proposal for Life Basix.. 25k annually with critical condition worth 400k sum insured (covers til age 71 diagnosis, 600k protector covers til age 75).. And 400k for basic which  covers til 100yo..now anong coverage ba sa 600k protector and 400k na basic? Will investing in another insurance company makes diversification to supplement my Axa policy or will increase na lang Axa premiums instead to have higher coverage and higher returns?gusto ko din kasing itry ibang insurance company pero VUL product pa din. Thank you.

Sis, yung protector is a term insurance. Renewable yan yearly, and premium increases as you get older.  Kung priority mo is higher insurance coverage, that could be a cheaper alternative. Pero kung investment growth ang priority mo, I suggest top up ka  na lang sa existing mo to save on premium charges.

[glysolid_clarins]

Thank you sis.I just actually signed the Policy this morning..sobrang detailed and thorough kasi si FA ko naswertehan din..and yes sa top up daw ako magdagdag and he will assess from time to time yong financial goals para kung mag-top up ako alam nya saan niya i-allocate.

[D4thAngel]

Congrats sis. Top-up ka na habang mababa market.

[mscolleen05]

Hello Good evening, newbie po ako dito Hingi sana ako ng mga advice and information about AXA Philippines, actually nkakasign up ko lang last 2 days. Hndi ko masyado naintindihan yun sa akin or ano name nong insurance na nasignan ko pero naintindihan ko kasi is i will pay 1,400 monthly and pwede naman daw po siya ma withdraw in case na  kailanganin ko ng money. Savings din daw kasi eto and meantime nag iinvest narin ako. naitindihan ko naman siya kaso di ko alam ano name nung insurance talaga na nakuha ko. may papay ako in 10 yrs and may life insurance kapag if ever na wag naman po sana may mangyari sa akin. 400k ba yun个makukuha and kapag di ka nag withdraw at abot ka ng 60 may 700k ba yun haha di ko talaga naitindihan. Sa akin kasi talaga is makapag ipon na yung di ko magagalaw kasi kung banko naku bukas agad withdraw agad nahihirapan po kasi ako. Please answer my comments po kung magpagkakatiwalaan po ba yung AXA or okay naman po ba siya kasi yung partner ko ayaw sa ganitong mga insurance gawa ng maraming nagsasara. Thank you

[D4thAngel]

Hi sis mscolleen05, if i'm not mistaken, what you got is Axa's Lifebasix. Long-term savings/investing period yan. You will start the habit of disciplined saving. Maganda yan sis dahil as early as Day 1 and something happens to you, may P400k para sa family mo, not yung P1,400 na inihulog mo. Long term because you will not appreciate the growth of  funds until you finish 10years. Portion ng monthy payments mo during the early years is ibinibili ng investments at dahil under insurance plan yan, may binabayaran ka din na insurance premium. As early as first year, mas malaking portion ang pinambibili ng investment, so advantage yan lalo na at mababa ang stock market if you opted for equity funds. Kung ang goal mo is to save for your retirement, at very young age ka pa, I would suggest wag ka mag-withdraw from your VUL. Set up an emergency fund, at yun na lang ang pagkukuhanan mo.

No worries about Axa, it could be No. 2 in Phils, but it is Metrobank-owned and global brand based in Paris, France.

[mindiegirl]

^Hello sis, pwede bang mag ask din sayo? Nakaka one year na din ako sa investment ko sa AXA (Sep 2015). Ang kinuha ko is yung Axelerator na nasa 35k annually, 5 years ang payment. Medyo nakalimutan ko na kasi yung explanation nung time na nag sign ako tapos nag resign pa yung advisor na naka assign sakin. Ok ba tong nakuha ko, mas gusto ko kasi na investment side yung mas malaki kaya ito yung ni refer sakin.

[D4thAngel]

Hi sis, Mindiegirl, Axelerator is an investment focused product. If you will notice, maliit lang ang insurance coverage mo dyan kasi more portion of your premium goes to investment. Actually if you stop paying after 5 years, and just leave it there for another 5 years, at 8% forecasted rate - double na ang investments mo. Sis, may kasamang top-up na ba yan 35k?

[mindiegirl]

Meron na sya top up premium sis. Bale yung annual regular is 35k tapos 5k annual top-up premium. Ano ba ang use ng top up? 

Ok ba itong nakuha na to? Nag a ask nga ulit ako na mag assign sakin ng advisor kasi para na uupdate ako. Kung ok ba pinaglalagyan ng pera na investors. Kasi as I remember pwede syang i change.

Kinuha ko lang to actually for my child's future education (pero I'm still single. HAHA). E naisip ko pano ko ba sya mamaximize. Yung tipong pag kumikita na sya e pwede ko ma withdraw yung earnings lang? pwede kaya yun dito sa investment na to?

[D4thAngel]

Very minimal ang charge sa top-up premium sis, so yan ang magpapabilis ng growth. Good thing meron ka nyan.

Check the equity funds sa website, may mga icon funds din dun, favorite ang Chinese Tycoon. Pwede ka mag-switch lalo na at mababa ang market. Fund switching is free of charge. Download mo din yung MyAxa app, then magregister ka with your policy number for your own monitoring. May forms para sa fund switching, download and submit mo lang.

To maximize returns, top up at continue mo lang even beyond 5 years, kuhanin mo na lang pag college na anak mo,  hehe. Pwede ka naman withdraw sis pero bantayan mo din kasi whatever would be left, mababawasan ka pa din ng charges, at kung mag zero value yan, you will no longer be insured.

[mindiegirl]

Thank you sis! As of now ang funds ko ay nasa Philippine Wealth Balanced Fund (70%) at Philippine Wealth Equity Fund (30%). Pag aralan ko ano ipapalit ko. Salamat! 

[joancd143]

Howdie, good evening girls. I read some posts here about AXA Philippines.  I am one of the FA's of AXA Ph AND I am also a client.  I am not offering you anything I just want to help if you have questions about AXA's products. Let me know.

[mindiegirl]

^welcome to gt sis! anong marerecommend mo na ok ko pag lipatang ng funds? Currently nasa Philippine Wealth Balanced Fund (70%) at Philippine Wealth Equity Fund (30%).

[futuremom]

Hi Sisses! Ask ko sana kung safe ba itong AXA insurance na nakuha ko? Monthly 2.5k for 5 years. Tapos nakainvest sa Chinese tycoon and opportunity fund. Wala Kasi ako alam sa mga ganyan e nung nagdeposit ako kinausap ako na mas maganda raw Yan kesa itime deposit ko yung pera. Natatakot ako kasi baka napasubo lang ako then di naman pala maganda ang return at baka malugi pa. Hindi ko rin kasi maexplain Kay hubby ng maayos Help po, thanks.

[mindiegirl]

^ halos ganyan din sis yung nakuha ko.. mga nasa 2.3k naman per month. parang gusto ko yung pinag invest-an mo na chinese tycoon haha. ang tanda ko sa discussion sakin ng FA ko, ok yan kasi mabilis lalago money mo pero syempre malaki din yung risk. Ang important lang naman here is to finish the 5 year hulog then let your money stay there for another 5 years, walang galawan para talagang ramdam mo yung paglaki nya. Nakaka 1 year and 4 months palang ako na hulog, sana by God's grace matapos ang 5 years at hindi ako magipit hehe. Para sa college schoolong talaga ng future kid ko ito kaya ako nag avail.

[futuremom]

Thanks sa reply sis mindie. What do you mean dun sa risk? Malulugi sya? So di sure Yung 150k after 5yrs? Tsaka di talaga pwede galawin within the first 5 yrs no? Sana matapos ko, kakastart ko lang sis e