Anong insurance ang kinuha nyo?

[janachen]

4 or 5 years ago, iniencourage ko 'yong friend ko to get insurance, ang sagot sa akin saka nalang wala pa akong pera.  Wala daw pera pero panay travel. Akala ata mangongomisyon ako pagnorecommend ko sa isang agent.

Tapos nito lang, sabi sa akin ate kumuha ako ng insurance. Sabi ko buti kumuha ka. Kasi  pala nagkasakit, tapos siyempre hindi naman sapat ang sweldo niya. Naisip niya daw paano pagtanda niya ang SSS hindi sasapat sa kanya.

Ang iba naman pagka inofferan mo  silang mag open, akala nila networking, scam or peperahan. LOL eh hindi naman ako agent. Gusto ko lang naman na magkaroon sila ng magiging mabuting kamay pagdating ng panahon.

[bluish_mommy]

^haha same with our relatives ganyan din reaction 

isa sa mga intention ko kaya ko sila sinasabihan para kapag dumating ang panahon na kailanganin nila ng pera, hindi sa akin uutang or hihingi or aasa. kaloka! 

[brandi]

Super true bluish mommy. Since kuha ako next year, plan ko kumuha after 5 years ulit kasi mag mature na yung first ko. Hopefully yun na yung last ko, at least secured na lahat.

[janachen]

hi brandi anong kinuha o at ilang years to pay?

[geraldita03]

i am torn between pru and insular. samahan ko na din ng philam hehe

[brandi]

hi brandi anong kinuha o at ilang years to pay?

Hi sis, sunlife flexilink. Yun pa lang kasi alam ko na insurance company at that time. 

[fionaapple]

1. For my husband, we got a Sun Smarter Life Classic. traditional, participating. yan kasi ang napili ni hubby dahil nag iinvest naman kami separately.

Fixed premium forever at 18k per month.  it earns dividends.  pag matagal na daw nakakapag pay, at nacompute na nila na enough na yung dividends earned, pwedeng madeemed complete na ang payment. Face amount is 500k. dagdag na lang kami later...

2. For my mom- Sunlife Flexilink. 59 years old na siya, at 2 months na lang 60 years old na. buti na lang biglang nakaisip na papayag na daw siya kumuha ng insurance. dati kasi ayaw nya yun. di siya naniniwala na kailangan.

 around 31k per year. face amount ay 500k. hati kami ng mom ko since ang purpose ay payment of estate taxes and other incidental expenses if the inevitable happens. VUL ang napili namin for her, para sa diversification. Ayaw nya kasi mag invest sa paper assets.so, forced savings/investment na rin on her part.since tamad siya maginvest/ipon. medyo hoarder/adventurer kasi ang peg ng nanay ko.

3. ako- Sunlife Maxilink. 26,840 per year, 500k face amount. 2x death benefit= 1M. VUL type.
nakuha ko naman ito noong dalaga pa ako at wala pa masyadong alam sa investments other than gusto ko magkaroon ng insurance at investment.  ok lang.at least maaga ako nakakuha. mas mura pa noon. add na lang ako ng iba pang insurance later.

[morningdivabeam]

Anyone familiar with FWD insurance? Yung affliate ng Security Bank? Parang maganda riders nila e.

[Rory_Lorelie_Gilmore]

Any Philam Life Insurance, owners/holder here? Which policy did you get and why?

[bluish_mommy]

^I am. I got one product which I used for my MRI in my existing housing loan,  in the future na ma-payoff ko na yung loan ko, it will serve naman as Estate Planning.  This product is called Philamlife Wealth Freedom Money Accumulator Plus (WFMA+). Why did I get it, because my main concern is to get a big life insurance coverage for a minimal premium, kasi nga gusto ko sya gamitin for the MRI.  Imagine kung maglo-loan ka ng housing sa bank, and you will be paying around P18k for the MRI, patapon lang yan, so might as well pay it off sa insurance which will give me P1.5M coverage and use it as MRI, at least may coverage pa ako di ba? 

So this product is mura lang ang premium, and at the same time malaki ang coverage. Malaki kasi Multiplier, up to 96x depending on age. (I have the chart for the multipliers)

Ex. Multiplier X Basic premium = Face Amount or Policy Coverage

Basic premium is depende sa kaya or willing kang i-save for the rest of the year.

So for example 30 years old ka ang multiplier nito is 95, tapos ang maco-commit mo lang i-save per month is P3k, so sa isang taon meron kang P36k.

Computation of Coverage:
95 x P36k = P3.420M ang coverage mo   

[janachen]

Sis  pwede bang iapply yan sa pag-ibig? Kasi plan kong kumuha ng insurance ulit. Sayang binabayad ko ng MRI sa pag-ibig.

[morningdivabeam]

^I am. I got one product which I used for my MRI in my existing housing loan,  in the future na ma-payoff ko na yung loan ko, it will serve naman as Estate Planning.  This product is called Philamlife Wealth Freedom Money Accumulator Plus (WFMA+). Why did I get it, because my main concern is to get a big life insurance coverage for a minimal premium, kasi nga gusto ko sya gamitin for the MRI.  Imagine kung maglo-loan ka ng housing sa bank, and you will be paying around P18k for the MRI, patapon lang yan, so might as well pay it off sa insurance which will give me P1.5M coverage and use it as MRI, at least may coverage pa ako di ba? 

So this product is mura lang ang premium, and at the same time malaki ang coverage. Malaki kasi Multiplier, up to 96x depending on age. (I have the chart for the multipliers)

Ex. Multiplier X Basic premium = Face Amount or Policy Coverage

Basic premium is depende sa kaya or willing kang i-save for the rest of the year.

So for example 30 years old ka ang multiplier nito is 95, tapos ang maco-commit mo lang i-save per month is P3k, so sa isang taon meron kang P36k.

Computation of Coverage:
95 x P36k = P3.420M ang coverage mo   

di ko masearch sa net. maghahanap pa sana ako ng reviews e.

[bluish_mommy]

^naitanong ko na rin yan sa Pagibig, pero unfortunately yung napagtanungan ko hindi nya nasagot, pinapatawag nya ako sa isa pang department (which I forgot), since wala na kasi akong housing loan sa Pagibig, hindi ko na rin na push itanong. You may call their hotline sis and inquire. But in my opinion, dapat pwede yan, dahil kung may existing ka na naman bakit ka pa kukuha sa kanila di ba?

Update ka sis kung may info ka na ah ;-)

[geraldita03]

Ok na po ba
Annual Premium: 18k
Mode of Payment: Whole life pero pwede up to 20 years lang or at age 60 lang
Sum insured: 1M
Total and permanent disability benefit: 1M
Accidental death and Diablement Benefit: 1M
Crisis cover benefit: 1M

[Rory_Lorelie_Gilmore]

bluish_mommy very informative. Thank you! Though medyo sumasakit pa din ulo ko since, I'm new to these jargons, I'm communicating with an Agent na and Health Invest Plus naman ang dinidiscuss namin since I'm leaning towards getting a Medical/Retirement plan VUL linked din sya.

Parang naliliitan ako sa coverage/face amount.

[geraldita03]

I had a proposal with Health Invest Plus. Pero maliit lang yung coverage nakuha ko,
Basic life insurance: 580k
A&H: 580k
MR: 50k
ESCI: 580k
WPCI
Hindi ko na pinalagyan ng Hospitalization riders.

[Rory_Lorelie_Gilmore]

geraldita03

Ok na po ba
Annual Premium: 18k
Mode of Payment: Whole life pero pwede up to 20 years lang or at age 60 lang
Sum insured: 1M
Total and permanent disability benefit: 1M
Accidental death and Diablement Benefit: 1M
Crisis cover benefit: 1M

Philam to? Anong package tawag?

I received another proposal from Philam yung F a m i l y S e c u r e package (lifetime payment).

[geraldita03]

geraldita03

Ok na po ba
Annual Premium: 18k
Mode of Payment: Whole life pero pwede up to 20 years lang or at age 60 lang
Sum insured: 1M
Total and permanent disability benefit: 1M
Accidental death and Diablement Benefit: 1M
Crisis cover benefit: 1M

Philam to? Anong package tawag?

I received another proposal from Philam yung F a m i l y S e c u r e package (lifetime payment).

PRU LIFE UK to sis. Yung PAA plus nila. May proposal din ako sa philam na life secure. di ko type hehe. better kasi yung paa plus ng pru compared sa family secure ni philam

[Rory_Lorelie_Gilmore]

^Thanks Sis, investment/VUL linked din ba yang sa PRU? Sorry ha wala pa ako gano alam, nagstart palang magaral.

Sure na kami sa Philam muna kukuha, subukan muna namin and aralin maige, medyo late na kami nakapagstart, but my Husband and I got married last April lang, pero individually wala pa kami insurance. Kilala ko din personal yung Agent kaya mas kampante kami.

Mas nagustuhan ko yung Family Secure kesa sa Health Invest Plus.

Annual Premium : 32,045.12

Mode of Payment : Lifetime

Face Amount : Php 1,472,000 (fixed) + Account Value (Investment Fund)

Additional coverage of Php 147,200 as PROTECTION BONUS provided there is no unpaid premium due.

Coverage of Php 1,472,000 in case of Death, Disability, and Dismemberment due to an accident (A&H)

Continuous life coverage without paying succeeding premiums in case of total and permanent disability plus receive an annual disability income (WP+).

Lump sum cash benefit up to Php 736,000 for 56 covered critical illnesses.

As you approach retirement, you may decrease your coverage to Php 736,000.00 starting on the 11th policy year
or down to Php 80,000.00 when you reach age 60 or after the 10th policy year, whichever is later, so you can allocate more to your investment fund.

So pwede iallocate yung coverage/face amount to your investment fund later on, para mawithraw din, and habang alive and kicking ka secured din beneficiary mo in case may mangyari. Gusto ko aralin ito mabuti, wala naman daw fees for transferring your coverage/face amount to your investment fund, pwede din daw mag top up if you want to add.

Palagay nyo mga Sis/Bro? I am looking for a different Insurance policy/package for my Husband like Insular Life.

[geraldita03]

^sis may similar na ganito ang pru life uk - pru link protection plus or PAA + check mo
pati si AXA meron din yung life basix nila