Insurance

[Chris]

May insurance ka ba? If yes, saan ka kumuha? If not why?

[bugnutin99]

Yes! I got one sa PruLife UK. May savings and investment.

[cire]

Wala pa. But i have some sample quotations from Sun Life and Insular. Still studying which is a better offer.

[den0saur]

Planning to get one but for the longest time. Di na natuloy. Sige nga. Pros and cons tayo. Paexplain please. Thank you!

[Peps]

Kung may pamilya ka you should get one. Naka insured yung dalawa kong kuya saka yung dalawang anak nung namatay kong kuya sa bpi-philamlife tapos kaming dalawa ng kuya ko sa chinabank-manulife. Tig isang milyon yung nilabas ng company bawat isa samin. Style kasi time deposit bali kung 7 million yun may makukuha yung company na 3.5% interest yearly for 5 years tapos within 5 years kung isa samin kunwari may mangyaring masama makakakuha ng additional 1.2m yung kumpanya bali kunwari sa akin 1m then namatatay ako may additional na 1.2m makukuha company bali 2.2m yung total. Maganda siya kasi may interes pa. Pwede namang personal yung family mo beneficiary. Ayaw lang gawing beneficiary ng dad ko mga asawa ng kuya ko alam nyo na baka mag asawa uli iba makinabang hehe

[jackxtwist]

Planning to get one but for the longest time. Di na natuloy. Sige nga. Pros and cons tayo. Paexplain please. Thank you!

Let's start with the basic. When you get an insurance policy, your life is on the table. You are betting that you'll die within the coverage period. Insurance company betting you're not gonna die within the coverage period. If you die, insurance company pays you your dependents huge amounts of money (depending on contract). If you don't die, insurance keeps all the contributions that you made.  So I don't know.

Since you are a family man now, you are ought to get an insurance. Because, as what insurance saleperson would tell you, you won't know what will happen to you.

I bought insurance when I was 21 (?). Buti na lang nagbasa ako medyo kaya hindi ako naloko bumili ng whole life. I bought 10-year term. You pay less for the same amount of coverage. The coverage period is less too.

[vortex]

Planning to get one but for the longest time. Di na natuloy. Sige nga. Pros and cons tayo. Paexplain please. Thank you!

Let's start with the basic. When you get an insurance policy, your life is on the table. You are betting that you'll die within the coverage period. Insurance company betting you're not gonna die within the coverage period. If you die, insurance company pays you your dependents huge amounts of money (depending on contract). If you don't die, insurance keeps all the contributions that you made.  So I don't know.

Since you are a family man now, you are ought to get an insurance. Because, as what insurance saleperson would tell you, you won't know what will happen to you.

I bought insurance when I was 21 (?). Buti na lang nagbasa ako medyo kaya hindi ako naloko bumili ng whole life. I bought 10-year term. You pay less for the same amount of coverage. The coverage period is less too.

Same here, I bought my insurance when I was 21 din with VUL siya na kasama. 10 year maturity.

Nga pala, if someone needs an insurance,affiliated po ako ng insurance institution sa bansa. I can do presentation for you if you want, don't worry di po kita ire-recruit or bebentahan. One of my goals is siyempre ipaalam sa tao kung ano importance ng insurance. Salamat.

[Chris]

I got one from Pru and my wife got one from Sun.

[Peps]

I invested 500k last december 2017 sa cbc-manulife, tapos last december 2018 I received an update from them about my insurance then I found out my 500k is now just worth 459k, so I went to the bank where I got my insurance to ask them what happened they told me na bagsak daw kasi yung stocks kung san nila ininvest yung pera ko. Hintay ko nalang daw may 4 years pa naman daw. 

[Ubilex]

I invested 500k last december 2017 sa cbc-manulife, tapos last december 2018 I received an update from them about my insurance then I found out my 500k is now just worth 459k, so I went to the bank where I got my insurance to ask them what happened they told me na bagsak daw kasi yung stocks kung san nila ininvest yung pera ko. Hintay ko nalang daw may 4 years pa naman daw. 

Tama naman si bank sir. When you invest in stock market, make sure your risk appetite is very high. You have to wait for 5-10 or even more years for you to gain significantly.


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[Ubilex]

I have Sunlife Insurance


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[aeonfenrir]

If you're going to get an insurance, get it because you don't have one.

For investments, it might be better to get an MF or UITF instead. Or if you have the time and effort to study as well as a good risk appetite, might as well trade the market yourself.

[Ubilex]

If you're going to get an insurance, get it because you don't have one.

For investments, it might be better to get an MF or UITF instead. Or if you have the time and effort to study as well as a good risk appetite, might as well trade the market yourself.

Tama yan sir. Kya ako I separate my insurance to investment. Since mataas ang risk appetite ko I go gor UITF in long term


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[amazingguy]

I invested 500k last december 2017 sa cbc-manulife, tapos last december 2018 I received an update from them about my insurance then I found out my 500k is now just worth 459k, so I went to the bank where I got my insurance to ask them what happened they told me na bagsak daw kasi yung stocks kung san nila ininvest yung pera ko. Hintay ko nalang daw may 4 years pa naman daw. 

Quite true with insurances tied to stocks.

[eric_bae]

I got one from Pru and my wife got one from Sun.

Which is better po? I am planning to be an advisor.

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