Anong insurance ang kinuha nyo?

[island]

1. Ano po ang insurance na kinuha nyo? Knights of Columbus Assurance Plan-Gold Series
2. Magkano ang face amount?Ilang years to pay? 500K / 6years to pay
3. Magkano ang premium? Age 32 / P30,650 per annum
4. Ano po ang additional benefits? / none
5. Ilang years kayong covered? until age 100
6. Reason kung bakit yun ang kinuha nyong insurance? For my firstborn's educational fund / Administrator ang hubby ko.

[rikki21]

^^ sis ieiky, thank you for clarifying, its 50k annually.

Interested to open BPI Save up account for the additional insurance.

[traxxex21]

I got Manulife Affluence Builder. it's insurance na may 3 rider at investment na din. I chose 50-50 Equity at peso fund kaya medyo conservative pa ang face amount

5 years to pay (40K/ year)
Face amount:800K
Accidental Death Benefit: 800K
Enchanced Critical Illness: 800K
Total disability is included

[ieiky]

^^ Kase parehas yata tayo, Maxilink Prime then yung sa akin tapos 50K annually.

Pag 2nd year ko pa lang magbabayad ngayon sayang nga medyo late na eh, 30 na ako this year.

[rikki21]

^started when I was 28. sayang nga sana mas maaga ako nag start. im persuading hubby to start na asap kasi mag 30yo na sya sa May. baka mas mahal na ang premium!

[ayi21]

SUNLIFE for me and PRULIFE for my husband. Both VUL.

[ieiky]

^ Anong plan ng PRU ang kinuha ng husband mo sis?

[ayi21]

^Prulink Exact Protector

[marssie]

SUNLIFE for me and PRULIFE for my husband. Both VUL.

Same tayo

[ayi21]

^nice sis.

[ieiky]

Question mga sis, baka may nakapag avail na po sa inyo . Anong company po ang nag ooffer ng Single Pay VUL (Peso) and how much ang minimum nila?

[sachism]

Prulife and Sunlife for both of us. Then meron din si hubby sa Insular

^sa Pru meron. Minimum 100k. I availed of this. Ito ang pinaka educ fund ng daughter namin. Pwede ka din magtopup.

[mameejhy]

Question mga sis, baka may nakapag avail na po sa inyo . Anong company po ang nag ooffer ng Single Pay VUL (Peso) and how much ang minimum nila?

Sunlife - 100k
Prulife UK - 100k
Philamlife - 125k

Sunlife ang spvul ko.

[ninjandrea]

Question mga sis, baka may nakapag avail na po sa inyo . Anong company po ang nag ooffer ng Single Pay VUL (Peso) and how much ang minimum nila?

Hi ieiky!

Dagdag ko rin, Manulife minimum 75k spvul.

[anjcam]

Question mga sis, baka may nakapag avail na po sa inyo . Anong company po ang nag ooffer ng Single Pay VUL (Peso) and how much ang minimum nila?

Hello, try to check their management fund fee as well Mas maliit the better If you need help in comparing, I can help you. Sunlife lang meron ako. Then if meron kang sa iba, let me know para macompare natin. And malaman which is better

[ece2012]

Hi po,

Newbie here.
Ask lang po sana ako ng advice. For the sake of gaining financial freedom. Hehe. Gusto ko po sana kumuha ng life insurance with the basic reason na di maging pahirap sa mga taong maiiwanan ko in case na mawala ako(masyado lang advance thinker! single here, breadwinner nga lang, hehe).  And in case na rin na tumanda ako, ayoko rin nakaasa ako sa ibang tao.
In this case,

>>>Pag  ganitong case po ba, mas advisable talaga na VUL ang kunin?
>>>So far, sa mga VULs, Sunlife pa lang ang narereview ko eh, and ang top 2 ko doon is yung Sun Flexilink and Sun Maxilink Prime. Ano po ba difference nang dalawang ito?
>>>Pero ang iniiisip ko din kasi. Advisable pa kaya ang kumuha ng VUL or pure na life insurance na lang, kung plan ko rin naman mag invest sa stock market and mag open din ng MF account? Mas advisable ba kung basic na life insurance na lang ang kunin ko? (Parang yung BTID na sinasabi nila). Just for the sake of gaining financial freedom. Di daw kasi advisable na puro ka lang sa stocks, mutual funds,uitfs mag iinvest eh.

Pasensya na at madaming tanong. Hope someone can enlighten me.

[anjcam]

>>>Pag  ganitong case po ba, mas advisable talaga na VUL ang kunin?

You get VUL if you want Critical Illness Rider na kasama.

>>>So far, sa mga VULs, Sunlife pa lang ang narereview ko eh, and ang top 2 ko doon is yung Sun Flexilink and Sun Maxilink Prime. Ano po ba difference nang dalawang ito?

Maxilink - hindi ka pwedeng magkaron ng Critical Illness Rider; Mas madaming napupunta sa investment fund

Flexilink - you can put Critical Illness Rider;

>>>Pero ang iniiisip ko din kasi. Advisable pa kaya ang kumuha ng VUL or pure na life insurance na lang, kung plan ko rin naman mag invest sa stock market and mag open din ng MF account? Mas advisable ba kung basic na life insurance na lang ang kunin ko? (Parang yung BTID na sinasabi nila). Just for the sake of gaining financial freedom. Di daw kasi advisable na puro ka lang sa stocks, mutual funds,uitfs mag iinvest eh.

If this is your first investment, I suggest na kumuha ka na ng VUL, you can get basic life insurance if you have dependents na, like anak na pinapaaral. If your insurance is para lang hindi gumastos yung maiiwan mo, VUL is better, at least meron ka ding investment at the same time that you can use as retirement and health fund if needed. In investing as well, diversify is always the best Just PM me if may question ka pa

[ieiky]

Hello, try to check their management fund fee as well Mas maliit the better If you need help in comparing, I can help you. Sunlife lang meron ako. Then if meron kang sa iba, let me know para macompare natin. And malaman which is better

oo nga sis, try ko kumontak ng agent. Wala kase ako sa pinas kaya puro online online lang ako nag aask. Balikan kita pag naka pag inquire ako.

Anyway, sana meron din sa mga ka GT natin ang may alam about sa Wealth Freedom Money Accumulator Plus. mag taga WFMA na nag quote sa akin ng VUL and hindi naman sa akin na iexplain ng maayos nung agent. basta binigyan lang niya ako ng proposal hindi naman namin na discuss masyado. 

[PetiksPinayInvestor]

The main difference of a VUL from a traditional product is the investment part.
VUL kasi is insurance + investment

Traditional is insurance alone

Main advantages nila ay

VUL - you are protected, at the same time part of your premium is also invested. Maganda ito sa mga tao na nagsisimula pa lang mag aral ng investments and hindi pa rin kaya mag monitor ng investments. Maganda rin ito kasi yung investment ay pwedeng hindi subject to estate tax kapag namatay ang insured. O, need rin maintindihan muna ano ang estate tax Main disadvantage is may added fees compared to traditional products.

Traditional - you are protected, period. Main advantage is mura ang premiums. Main disadvantage is when you live long, the premiums get really expensive. That is why in the early years when mura pa ang premiums, you also invest. Para when you are old, you get the payment of your premiums from your investments.

Which is best for you?

If you are starting out, and no investment experience yet, do VUL.

If you already have investments and other insurance, do traditional or term insurance.

In my observation, the more knowledge you have in personal finance, mas napupunta ka sa Term/Traditional insurance. Pero that does not mean na yun lang ang meron sila. Meron na rin silang VULs. Kung tutuusin ay ang dami dami na nilang pinaglalagakan ng pera mapa insurance or investments. Kasama kasi ito sa pag build ng personal financial portfolio ng isang tao.

Kaya, increase your financial knowledge. Invest in your education din

~~

Merong Traditional product ang Sun Life: Life Assure. It is CIB or life insurance, whichever is claimed first. Mura ang premiums sa umpisa but if you live long, the premiums get really expensive. So kung ang purpose mo is critical illness coverage, this is a good product.

>>>Pag  ganitong case po ba, mas advisable talaga na VUL ang kunin?

You get VUL if you want Critical Illness Rider na kasama.

>>>So far, sa mga VULs, Sunlife pa lang ang narereview ko eh, and ang top 2 ko doon is yung Sun Flexilink and Sun Maxilink Prime. Ano po ba difference nang dalawang ito?

Maxilink - hindi ka pwedeng magkaron ng Critical Illness Rider; Mas madaming napupunta sa investment fund

Flexilink - you can put Critical Illness Rider;

>>>Pero ang iniiisip ko din kasi. Advisable pa kaya ang kumuha ng VUL or pure na life insurance na lang, kung plan ko rin naman mag invest sa stock market and mag open din ng MF account? Mas advisable ba kung basic na life insurance na lang ang kunin ko? (Parang yung BTID na sinasabi nila). Just for the sake of gaining financial freedom. Di daw kasi advisable na puro ka lang sa stocks, mutual funds,uitfs mag iinvest eh.

If this is your first investment, I suggest na kumuha ka na ng VUL, you can get basic life insurance if you have dependents na, like anak na pinapaaral. If your insurance is para lang hindi gumastos yung maiiwan mo, VUL is better, at least meron ka ding investment at the same time that you can use as retirement and health fund if needed. In investing as well, diversify is always the best Just PM me if may question ka pa

[marssie]

Sunlife - 100k
Prulife UK - 100k
Philamlife - 125k

Sunlife ang spvul ko.

SPVul din kaya ang tawag sa AXA namin, same din, 100K..

Anyway, kamusta ang performance ng Sunlife sis?