Financial Advisor - Miss Hemady

TERM vs VUL Plan. What’s the difference?
Choose based on your goals and budget.
📩 DM me your age, and I’ll help you find the best plan for you!

One thing I really like about 𝐕𝐔𝐋 𝐏𝐋𝐀𝐍𝐒 is the 𝐅𝐋𝐄𝐗𝐈𝐁𝐈𝐋𝐈𝐓𝐘. You’re not just paying for life and health protection over time, you also build funds that you can withdraw when needed.

In just the past 3 months, these are 3 out of many client withdrawals I’ve assisted with:
Client 1: Withdrew ₱80,000 to help cover her mom’s hospital bills after surgery
Client 2: Withdrew ₱13,500 after losing a job and needing emergency funds
Client 3: Withdrew ₱34,000 to pay a due insurance policy. Her Sun Fit and well and another VUL.

This is why I always say insurance isn’t just about protection, it’s also about being there when life happens. 😉

Their plan is only around ₱2,000–₱2,500 per month. Because they are consistent with their payments and savings, they’re able to enjoy and access their funds when needed.

𝗔𝘀 𝗮𝗻 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗮𝗴𝗲𝗻𝘁, 𝗻𝗮𝗸𝗮𝗸𝗮𝗹𝘂𝗻𝗴𝗸𝗼𝘁 𝗺𝗮𝗸𝗶𝘁𝗮 𝘆𝘂𝗻𝗴 𝗴𝗮𝗻𝗶𝘁𝗼𝗻𝗴 𝗶𝗻𝗾𝘂𝗶𝗿𝗶𝗲𝘀.. I know we all have other priorities like bills, car loans, tuition fees 𝗯𝘂𝘁 𝘆𝗼𝘂 𝗿𝗲𝗮𝗹𝗹𝘆 𝗱𝗼𝗻’𝘁 𝘄𝗮𝗻𝘁 𝘁𝗼 𝗲𝗻𝗱 𝘂𝗽 𝗹𝗶𝗸𝗲 𝘁𝗵𝗼𝘀𝗲 𝘄𝗵𝗼 𝗿𝗲𝗮𝗹𝗶𝘇𝗲𝗱 𝘁𝗼𝗼 𝗹𝗮𝘁𝗲 𝗵𝗼𝘄 𝗶𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁 𝗵𝗲𝗮𝗹𝘁𝗵 𝗮𝗻𝗱 𝗹𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗮𝗿𝗲. Why not avail it earlier (yung bata pa at wala pang nararamdaman), while it’s more affordable and hassle free sa approval.

We have term plans that are more affordable, and now we have new plan na even with pre-existing conditions may still qualify. Check my video to learn more. https://www.facebook.com/share/r/1HVNexAwB3/

Message for quote

𝗦𝗮 𝗹𝗶𝗳𝗲 𝘀𝘁𝗮𝗴𝗲 𝗺𝗼 𝗻𝗴𝗮𝘆𝗼𝗻 — 𝗮𝗿𝗲 𝘆𝗼𝘂 𝗺𝗼𝗿𝗲 𝗼𝗳 𝗮 TERM, TRADITIONAL, or LIFE INSURANCE WITH INVESTMENT (VUL) 𝗽𝗹𝗮𝗻 𝗽𝗲𝗿𝘀𝗼𝗻? 🤔✨
💡 TERM vs TRADITIONAL vs VUL INSURANCE 💡
TERM
✅ Pure protection only
✅ Lower cost, no savings
✅ Renewable yearly
✅ Coverage until age 70
⚠️ Premium increases every 5 years
👉 Perfect for those on a budget who want temporary protection

TRADITIONAL
✅ Lifetime protection with savings
✅ Fixed premium
✅ Coverage until age 100
✅ Separate living and death benefits
👉 Ideal for those who want permanent protection and long-term savings

VUL (Life Insurance with Investment)
✅ Protection + Investment in one plan
✅ Part of your premium is invested in funds 📈
✅ Value can grow over time
✅ Flexible you can add or withdraw for your goals
👉 Great for those who want growth and flexibility

All three offer protection — the right one depends on your goals and budget.

📩 DM me your age, and I’ll help you find the best plan for you! 💖

𝗦𝗮 𝗹𝗶𝗳𝗲 𝘀𝘁𝗮𝗴𝗲 𝗺𝗼 𝗻𝗴𝗮𝘆𝗼𝗻 — 𝗮𝗿𝗲 𝘆𝗼𝘂 𝗺𝗼𝗿𝗲 𝗼𝗳 𝗮 𝗧𝗘𝗥𝗠 𝗼𝗿 𝗧𝗥𝗔𝗗𝗜𝗧𝗜𝗢𝗡𝗔𝗟 𝗽𝗹𝗮𝗻 𝗽𝗲𝗿𝘀𝗼𝗻? 🤔✨

💡 TERM vs TRADITIONAL INSURANCE 💡

TERM 🕒
✅ Pure protection
✅ Lower cost, no savings
✅ Renewable yearly
✅ Coverage until age 70
⚠️ Premium increases every 5 years
👉 Perfect for those on a budget who want temporary protection

TRADITIONAL 💎
✅ Lifetime protection + savings
✅ Fixed premium
✅ Coverage until age 100
✅ Claims are separate (living + death benefits)
👉 Ideal for those who want permanent protection and long-term savings

📩 DM me your age and whether you prefer Term or Traditional, and I’ll send your quote ASAP! 💖

[email protected]

A VUL plan shouldn't be seen as an investment. It's really for protection first. 🙂

💡Insurance works best when you're healthy. ❌ 𝐀𝐟𝐭𝐞𝐫 𝐚 𝐬𝐭𝐫𝐨𝐤𝐞 𝐨𝐫 𝐩𝐚𝐬𝐭 𝐚𝐠𝐞 𝟔𝟎, 𝐢𝐭’𝐬 𝐨𝐟𝐭𝐞𝐧 𝐭𝐨𝐨 𝐥𝐚𝐭𝐞. ✅ 𝐒𝐞𝐜𝐮𝐫𝐞 𝐲𝐨𝐮𝐫 𝐩𝐥𝐚𝐧 𝐭𝐨𝐝𝐚𝐲.

𝐀 𝐒𝐮𝐧 𝐋𝐢𝐟𝐞 𝐏𝐫𝐨𝐦𝐢𝐬𝐞 𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐞𝐝 💛

A true testament to a 𝐩𝐫𝐨𝐦𝐢𝐬𝐞 𝐟𝐮𝐥𝐟𝐢𝐥𝐥𝐞𝐝. One of my clients, just 𝟕 𝐦𝐨𝐧𝐭𝐡𝐬 into her policy, sadly passed away. Her 𝐛𝐞𝐧𝐞𝐟𝐢𝐜𝐢𝐚𝐫𝐢𝐞𝐬 𝐫𝐞𝐜𝐞𝐢𝐯𝐞𝐝 𝐏𝐡𝐩 𝟕𝟎𝟎,𝟎𝟎𝟎 death claim after she had only paid 𝐏𝐡𝐩 𝟏𝟑,𝟔𝟎𝟎 in insurance premiums.

She was diagnosed with 𝐜𝐞𝐫𝐯𝐢𝐜𝐚𝐥 𝐜𝐚𝐧𝐜𝐞𝐫 just before the 𝟗𝟎-𝐝𝐚𝐲 𝐜𝐨𝐧𝐭𝐞𝐬𝐭𝐚𝐛𝐢𝐥𝐢𝐭𝐲 𝐩𝐞𝐫𝐢𝐨𝐝 ended, so we were unable to claim the 𝐏𝐡𝐩 𝟑𝟎𝟎,𝟎𝟎𝟎 𝐜𝐫𝐢𝐭𝐢𝐜𝐚𝐥 𝐢𝐥𝐥𝐧𝐞𝐬𝐬 benefit. Despite the challenges, she 𝐜𝐡𝐨𝐬𝐞 𝐭𝐨 𝐜𝐨𝐧𝐭𝐢𝐧𝐮𝐞 with her plan. There were months she couldn’t pay, but she still tried because she understood the 𝐯𝐚𝐥𝐮𝐞 𝐨𝐟 𝐥𝐢𝐟𝐞 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞. The 𝐟𝐥𝐞𝐱𝐢𝐛𝐢𝐥𝐢𝐭𝐲 𝐨𝐟 𝐚 𝐕𝐔𝐋 𝐩𝐥𝐚𝐧 really made it possible.

𝐕𝐔𝐋 isn’t for everyone some prefer 𝐩𝐮𝐫𝐞 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 or a 𝐭𝐞𝐫𝐦 𝐩𝐥𝐚𝐧. But for me, the 𝐥𝐨𝐧𝐠-𝐭𝐞𝐫𝐦 𝐟𝐥𝐞𝐱𝐢𝐛𝐢𝐥𝐢𝐭𝐲 of VUL has proven to be both rewarding and truly helpful for families in times of need.

Curious about how a VUL plan works for you? Message mo lng ako sendan kita ng draft quote customize ko sa kaya mo lng i-save per month.

Financial Advisor - Miss Hemady

𝗕𝗶𝗴𝗹𝗮𝗮𝗻 𝗮𝗻𝗴 𝘀𝗮𝗸𝗶𝘁, 𝗽𝗲𝗿𝗼 𝗵𝗶𝗻𝗱𝗶 𝗱𝗮𝗽𝗮𝘁 𝗯𝗶𝗴𝗹𝗮𝗮𝗻 𝗮𝗻𝗴 𝗴𝗮𝘀𝘁𝗼𝘀!
𝗪𝗶𝘁𝗵 𝗦𝘂𝗻 𝗟𝗶𝗳𝗲 𝗔𝘀𝘀𝘂𝗿𝗲, 𝗺𝗮𝘆 𝗹𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 + 𝗰𝗿𝗶𝘁𝗶𝗰𝗮𝗹 𝗶𝗹𝗹𝗻𝗲𝘀𝘀 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲 𝗸𝗮 𝗻𝗮, 𝘀𝘁𝗮𝗿𝘁𝗶𝗻𝗴 𝗮𝘁 𝗼𝗻𝗹𝘆 ₱𝟴𝗞/𝘆𝗲𝗮𝗿.

✅ Up to ₱1M coverage
✅ Covers 36 critical illnesses
✅ Affordable. Renewable every 5 years

📩 Message me now. Let’s customize a plan that fits your needs and your budget.

ᴀʙᴏᴠᴇ ʀᴀᴛᴇ ɪs ᴀ ᴄᴏᴍᴘᴜᴛᴀᴛɪᴏɴ ꜰᴏʀ ᴍᴀʟᴇ 25 ɴᴏɴ-ꜱᴍᴏᴋᴇʀ.

𝗞𝘂𝗻𝗴 𝗺𝗮𝘆 𝗵𝗲𝗮𝗹𝘁𝗵 𝗴𝗼𝗮𝗹𝘀 𝗸𝗮, 𝗱𝗮𝗽𝗮𝘁 𝗺𝗮𝘆 𝗵𝗲𝗮𝗹𝘁𝗵 𝗽𝗹𝗮𝗻 𝗸𝗮 𝗿𝗶𝗻! 💪
𝗪𝗶𝘁𝗵 𝗦𝘂𝗻 𝗙𝗶𝘁 𝗮𝗻𝗱 𝗪𝗲𝗹𝗹 𝗔𝗱𝘃𝗮𝗻𝘁𝗮𝗴𝗲, 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗲𝗱 𝗸𝗮 𝗳𝗿𝗼𝗺 𝗱𝗮𝘆 𝟭!

✅ Life insurance
✅ Critical illness coverage (over 100 illnesses)
✅ Wellness & recovery benefits
✅ May savings din in the long run!

Health is wealth, kaya protect mo na sarili mo habang maaga pa.
📩 Message mo lang ako for a FREE quote!

𝗜 𝗱𝗼𝗻’𝘁 𝗷𝘂𝘀𝘁 𝗼𝗳𝗳𝗲𝗿 𝗩𝗨𝗟 𝗽𝗹𝗮𝗻𝘀… 𝗜 𝗼𝗳𝗳𝗲𝗿 𝘀𝗼𝗹𝘂𝘁𝗶𝗼𝗻𝘀 𝘁𝗵𝗮𝘁 𝗳𝗶𝘁 𝗺𝘆 𝗰𝗹𝗶𝗲𝗻𝘁𝘀’ 𝗴𝗼𝗮𝗹𝘀.
Funny how most ask about Term Insurance, but end up choosing VUL after seeing the benefits. And it’s heartwarming when they thank me especially when the VUL helps them during emergencies. 🙏💛

You're insured, and in case of emergencies, there's no need to borrow money just withdraw from your funds.

Client: 47 years old (Plan issued in 2022)
Coverage: ₱700,000 Insurance + ₱500,000 Critical Illness Benefit
💰 Monthly Premium: ₱2,750
✅ Fund Withdrawals: ₱19,000 (2024) | ₱18,000 (2025)

Ellen Hemady, Financial Advisor