Anong insurance ang kinuha nyo?

[Rory_Lorelie_Gilmore]

^Thanks Sis, may kakausapin din ako from Pru Life. 

Sa AXA Global health insurance (medicard) plano namin kuhain.

[bluish_mommy]

@Rory_Lorelie_Gilmore, normally ang VUL na may kasamang health, as rider lang ang health. meron namang ibang product na Health talaga tapos minimal lang ang savings. combi-combination lang din yan. 

[crzysxycl]

Hi sisses. Makiki post din, pasabi naman kung ok ba ito.

Age: 33
Gender: Female
Currency: Philippine Peso
Face Amount: 400,000

Basic Plan
Manulife Horizons4
(10-Pay1, Type 2 Level Face)

Benefit: 800,000
Premium: 20,576.00

Additional benefits (riders)
Accidental Death Benefit
Benefit: 800,000
Premium: 1,342.48

Enhanced Critical Illness Rider
Benefit: 200,000
Premium: 3,948.00

Total Disability Waiver Included 377.65
Total annual premium 26,244.13

Other installment options are also available:
Semi-annual 13,283.09
Quarterly 6,722.06
Monthly 2,255.00

List of covered critical illnesses:
Diseases of the Circulatory System
1. Myocardial Infarction
2. Coronary Artery Bypass Surgery
3. Heart Valve Replacement
4. Surgery to Aorta
5. Cardiomyopathy
6. Other Serious Coronary Artery Disease
7. Primary Pulmonary Arterial Hypertension
8. Severe Infective Endocarditis
9. Eisenmenger?s Syndrome
Diseases of the Nervous System
10. Stroke
11. Benign Brain Tumor
12. Multiple Sclerosis
13. Amyotrophic Lateral Sclerosis
14. Parkinson's Disease
15. Poliomyelitis
16. Encephalitis
17. Alzheimer's Disease
18. Apallic Syndrome
19. Brain Surgery
20. Creutzfeldt-Jacob Disease (CJD)
21. Major Head Trauma
22. Myasthenia Gravis
23. Progressive Supranuclear Palsy
24. Bacterial Meningitis
25. Surgery for Idiopathic Scoliosis
Diseases of the Excretory System
26. Kidney Failure
27. Medullary Cystic Disease
Diseases of the Muscular System
28. Muscular Dystrophy
29. Progressive Bulbar Palsy
30. Progressive Muscular Atrophy
31. Hemolytic Streptococcal Gangrene
Hematology-Related Disease
32. Aplastic Anemia
Specific Diseases
33. Cancer
34. Major Organ Transplantation
35. Coma
36. Terminal Illness
37. Major Burns
38. Occupationally Acquired HIV
39. Necrotizing Fasciitis
40. Pheochromocytoma
41. Elephantiasis
42. Loss of Independent Existence
43. Addison?s Disease
44. HIV due to Blood Transfusion
Forms of Disability
45. Paralysis
46. Blindness
47. Loss of Limbs
48. Loss of Hearing
49. Loss of Speech
50. Total and Permanent Disability
51. Amputation due to Complication from
Diabetes
Disease of the Respiratory System
52. End-Stage Lung Disease
Diseases of the Digestive System
53. Chronic Liver Disease
54. Chronic Relapsing Pancreatitis
55. Crohn's Disease
56. Fulminant Hepatitis
57. Severe Ulcerative Colitis
Collagen Diseases
58. Severe Rheumatoid Arthritis
59. Systemic Lupus Erythematosus
60. Progressive Scleroderma

[Rory_Lorelie_Gilmore]

bluish_mommy Ahhh ok, thank you for that information.

For now, target namin kumuha sa Philam Life (Family Secure), Pru Life UK (PAA+) and Insular (no idea yet).

Any Insular policy holders here? Anong kinuha nyo sakanila and why?

Nakakatawa napanaginipan ko na tong Insurances, kakaisip ko siguro. 

[poetrytoprose]

Hi sisses. Makiki post din, pasabi naman kung ok ba ito.

Age: 33
Gender: Female
Currency: Philippine Peso
Face Amount: 400,000

Basic Plan
Manulife Horizons4
(10-Pay1, Type 2 Level Face)

Benefit: 800,000
Premium: 20,576.00

Additional benefits (riders)
Accidental Death Benefit
Benefit: 800,000
Premium: 1,342.48

Enhanced Critical Illness Rider
Benefit: 200,000
Premium: 3,948.00

Total Disability Waiver Included 377.65
Total annual premium 26,244.13

Other installment options are also available:
Semi-annual 13,283.09
Quarterly 6,722.06
Monthly 2,255.00

Sis, okay naman siya, pero eto lang ibig sabihin nyan, if something happens to you ang makukuha ng family mo ay, 800,000 same as your accidental death benefit. If you get sick ang makukuha mo naman ay 200,000. I mean it might sound okay right now pero kasi if you get sick few years from now hindi ba maliit yung 200,000 for a coverage?

Are you buying this ba for coverage as in yung plano mo for this insurance ay for protection and income replacement or investment ba ito as in VUL?

[crzysxycl]

^Hi sis. Thanks sa reply. Oo nga, naliitan ako sa 200k for critical illness eh. Tapos preferred ko sana may hospitalization. May prulife na ako (with VUL) pero gusto ko bumili ng isa pa, for protection and VUL din.

[Ghell06]

Age Last Birthday : 23 (Female)
FACE AMOUNT: 350,000
Basic Plan                 Benefit Amount   
Sun MaxiLink Prime - Non-Smoker Ps 350,000.00

Additional Benefits

Critical Illness Benefit - CIB Ps 350,000.00

Total Initial Annual Premium (to be Billed
Regularly)  - Ps 16,285.50
Total Quarterly Premium to be Billed Ps 4,071.38


Okay na ba to mga sis?

[ANJFinally]

Hello sisters! Anyone here na nag avail ng insurance from AXA ION?
OR
Anyone who has PLAIN term and health insurance lang OR Term + Health Insurance para may idea ako how much? We're planning na mag vacation sa Pinas Q1 of 2018, para masama sa aasikasuhin namin itong insurance.

Thank you sisters!

[D4thAngel]

Hello sisters! Anyone here na nag avail ng insurance from AXA ION?
OR
Anyone who has PLAIN term and health insurance lang OR Term + Health Insurance para may idea ako how much? We're planning na mag vacation sa Pinas Q1 of 2018, para masama sa aasikasuhin namin itong insurance.

Thank you sisters!

Hi sis, i got my husband a term insurance with Axa, with a critical illness rider. Im paying P4.5k/quarter for a P2.4M life coverage(term) with P500k CI rider. He is 45 yrs.

Though Axa Ion products are different naman,  it is convenient for OFW's pero may residency restrictions.

[scruffs]

^ Hi sis, is that Flexi Protect 5?

[ANJFinally]

Hi sis, i got my husband a term insurance with Axa, with a critical illness rider. Im paying P4.5k/quarter for a P2.4M life coverage(term) with P500k CI rider. He is 45 yrs.

Though Axa Ion products are different naman,  it is convenient for OFW's pero may residency restrictions.

Thank you sis! Interested ako dyan sis. Anong tawag sa policy/plan na yan? Covered sya up to what age? Kapag mas bata, mas mababa pa dyan sa 4.5K/quarter ang magiging fee tama ba sis?

Yung sa Axa Ion sis, applicable ba yun halimbawa dito sa ibang bansa nagkasakit or na-dead? (knock on wood). OR nasa pinas dapat? Sa Dubai pala kami sis, and almost 4 years. Si husband naman 4 years na.

[Rory_Lorelie_Gilmore]

I noticed most of you got an insurance policy from Sunlife, why is that if I may ask?

Planning on getting 4 insurance policies paguwe namin for our annual vacation, kami ng Husband ko and we have Philam, Pru Life, Insular,Manulife and AXA in mind, so as not to put all our eggs in 1 basket, ika nga. Na -curious ako sa SUNLIFE, though.

I want to know kung anong insurance policy did you get from:

Philam
Insular
AXA
Pru Life UK
Manulife

Basically what we are after is a whole life insurance policy with death, accident, critical illness riders, with investment (VUL) component na we can withraw upon retirement (anytime the need arises).

Our budget is 100k for all (4 insurance policies) na sana.

Thanks in advance for your inputs.

[ANJFinally]

^sis meron akong dalawang quotation from PRU LIFE UK & Sunlife for Age 30, non-smoker tag isa kami ni husband. Kaso puro VULs kasi yun. Mas gusto ko kaso plain lang na term + health. I check ko mamaya sa downloads ko then I'll share it here para may idea ka.

[Rory_Lorelie_Gilmore]

^thanks Sis! 

[D4thAngel]

^ Hi sis, is that Flexi Protect 5?

Yes sis, pinakamura  sya sa term insurance. Discounted pa kung i-advance ko na ang 5 years payment sana.

Thank you sis! Interested ako dyan sis. Anong tawag sa policy/plan na yan? Covered sya up to what age? Kapag mas bata, mas mababa pa dyan sa 4.5K/quarter ang magiging fee tama ba sis?

Yung sa Axa Ion sis, applicable ba yun halimbawa dito sa ibang bansa nagkasakit or na-dead? (knock on wood). OR nasa pinas dapat? Sa Dubai pala kami sis, and almost 4 years. Si husband naman 4 years na.

Sis covered sya up to 50 yrs old nya, pero kung renew ko beyond 5 years, term insurance will cover him up to 75 yrs old. I plan to convert din kasi later on sa permanent insurance (yung up to 100 yrs old,)  para pang estate planning na din. Importante for now na maliit pa kids namin, may coverage sya na within my budget. For younger age, cheaper ang insurance.

Your country of residence qualifies for Axa Ion sis, basta Pinas, UAE, Saudi, Qatar, Kuwait, Bahrain and Italy and 3 years na ang residency, pwede mag avail ng Axa Ion. If ma-tegi or magkasakit, kahit outside PH, makaka-claim. Kaya nga importante for OFW's na may insurance pa din sa Pinas, mas madali for beneficiaries ang claims.

[brandi]

Sis rory, I was 25 when I got my first insurance from Sunlife. Yun kasi madalas may makita ako reviews at that time and goal ko to get one before that year ended that's why I'm in a hurry and didn't mind studying other insurance policies from other companies. Naka mind set na ako na I'll get another one after 10 years so I have ample time to do more research and not settle for another Sunlife policy. I must say, advertisements worked well din kaya siguro karamihan naka Sunlife. Thanks to papa piolo. 😁

[janachen]

infairness naman, maganda ang performance ng sulife. Tapos sa Mutual fund satisfied ako. Ang medyo pinanghihinayangan ko lang, sana ang mga investments ko napunta sa equity fund(aggressive) since long term naman to. Ang mga fund ko kasi sa growth at balanced fund.

[Rory_Lorelie_Gilmore]

brandi thanks Sis, anong kinuha mo sakanila? Ano-anong riders and anong klaseng coverage? Magkano premium, itodo ko na haha! Thanks!

[gypske]

1. Ano po ang insurance na kinuha nyo?
Sunlife Grepa Power Biulder 10 - VUL
Sun LIfe Assure - CI - term

2. Magkano ang face amount?Ilang years to pay?
Powerbuilder - 350k (700 because double FA) 10yrs
Life Assure - 500k (as long as kaya ko premium (since tumataas every 5 yrs)

3. Magkano ang premium?
Power Builder 10 - 18k/yr
Life Assure - 7.5k/yr increases every 5 years

4. Ano po ang additional benefits?
Both have TDB & ADB

5. Ilang years kayong covered?
Power Builder - up to 88 yrs old
Life Assure - as long as I can pay - coverage up to 70yrs old

6. Reason kung bakit yun ang kinuha nyong insurance?
Power Builder - for retirement.
Life Assure - for dreaded disease. I separated it from my VUL because ang laki ng kakainin nya from my fund value/lalaki premium ko masyado in the future. At least kung term, if I find it difficult to pay in the future, I can stop.

A year or 2 from now, I do plan to get another one. May nahingi na akong proposal from Pru. So far, I'm liking it. Hanap pa ako from Philam and Axa, although nahihirapan ako since I only ask online kasi I'm from Visayas pa.

[Rory_Lorelie_Gilmore]

^Nice, thorough review/feedback Sis! Balitaan mo kami sa Philam na makikita mo, how about Insular, di ka interested?

We are planning to get 4 sana sa July (annucal vacation namin since OFW kami), kaso parang naoverwhelm naman kami, enough muna siguro yung 2. Let's see within 5 yrs kung gusto pa uli magdagdag. Gusto na namin yung Philam (Family Secure) and Pru Life UK (Health Protect) tag-isa kami ng Husband ko.