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me i got fwd set for life nun 2016..kaya lang nastop payment ko and hindi ko na natuloy,sayang and i want sana to continue kaso mukang malaki na babayaran for the back premiums..may nagpropropose na manulife education builder,pero pricey siya,gusto ko sana yung tipong 1.5k lang premium..
Ang fund value ng PAA plus after 5 years is not yet enought to cover [textspeak!] premium nia. Once nagstop kasi sya ng payment, sa fund value kukunin ni Pru life [textspeak!] pangshoulder ng insurance charges. Once maubos, ang fund value, terminated na din ang insurance.If he plans to pay only in 5 years, he should have told his agent. May separate product para dun pero mas mahal din ang premium since short term lang sya and coverage is also low.
my manulife agent quoted me na 9k daw ang education builder nila - nakakatakot na price i want to get insurance coverage for myself sana but i'll use the funds for my son's education
Sis, you may ask your agent if you can add a term insurance rider para hindi ka na kumuha ng separate plan for your self. At least to insure yourself with a bigger coverage at a minimal cost, lalo na at maliit pa ang anak mo.
if may existing policy na, i can still add that rider?
^Once maubos, ang fund value, terminated na din ang insurance.Same din po ba yan sa sunlife? If 10 yrs tapos na bayaran yung insurance then may natira na [textspeak!] na fund value pero di na huhulugan. Mateterminate na din po ba yung insurance nun? Thank you.
Hi sis, depende yan kung anong product kinuha mo sa Sun Life. If limited 10-pay products, ok na sya iwanan. Pero if regular pay yung kinuha mo or tipong mga 15 or 20 years to pay then naghulog ka lang ng 10 years, possible na mag lapse nga yung policy mo.
With some insurance companies, yes.
hello would you know which insurance companies have the option for this rider?
Axa is one of them.
thank you i had axa before but i didn't continue paying for it
Sayang naman binayad mo sis. Matagal na ba yan? Pwede mo reinstate, update ka lang payments and fill up health statement form.
sunlife has one: sunlife dream achiever plan, currently studying this one for my kid, for now kasi meron n siyang isang VUL but mainly as my pamana for and not for educ.
oo super matagal na 2012 pa can i still get an axa policy even if may hindi ako nabayaran before? i really want to get an educational plan for my son - may insurance ba for this
Tagal na din pala sis. May ganyang case na sa amin, nakakuha naman ulet.. Axa has Axelerator and Academix, designed for college funding. Maliit lang yung insurance coverage for the base plan, since naka design sya primarily as investment with insurance, meaning priority dito ang paglaki ng investment kaya maliit ang insurance coverage.Minimum 5yrs to pay. Now kung gusto mo palakihin yung life insurance coverage, dun mo palagyan ng term rider, eto yung magpapalaki ng life coverage mo. Cheaper kasi rider lang sya, at magmamahal lang yung rider habang tumatanda ka. Pwede mo din ipatanggal yung rider pagdating ng araw.
you're with axa po ba sis? salamat for all your inputs i'll set an appointment with an axa agent soon baka next month pa din
I have an insurance that I got when I was on my 20s and paying it for more than 10 years already. When I got it I thought 10 years to pay lang sya then on its 10th year pumunta ako sa Manulife and tthe rep told me it's Whole Life Insurance daw. Haaaay, end up paying it until now.
