Financial Literacy Program

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Isa sa mga dahilan kung bakit maraming Pinoy ang ayaw o allergic sa life insurance ay dahil sa nangyari sa CAP at ibang pre-need companies noon.

Hindi naging maganda ang investment ng CAP dahil ito ay nagfocus sa real estate (illiquid asset) na hindi madaling ibenta. Dagdag pa dito ay naapektuhan din sila nang hindi napigilang pagtaas ng tuition fee sa mga paaralan.

Hindi ko naman kayo masisi kung natatakot na kayo na baka mangyari ulit ito.

Ngunit gusto kong lang malaman niyo na magkaiba po ang pre-need company at life insurance company. Kung ang dahilan kung bakit ayaw mo sa life insurance ay dahil takot kang masayang ang pera mo at mauwi sa wala ang investment mo, inuulit ko lang po, magkaiba ang life insurance company sa pre-need company. Hindi life insurance ang pre-need plan.

Sa katunayan, marami itong pagkakaiba.

1. Bago magsara ang ilan sa mga pre-need companies noon, ang mga ito ay nasa regulasyon ng Securities and Exchange Commission (SEC) habang ang mga life insurance company naman ay nasa regulasyon ng Insurance Commission (IC).

2. Ang mga pre need companies ay local, habang karamihan naman ng mga insurance companies ay international at kilala sa buong mundo.

3. Ang mga pre-need companies ay nag ooffer ng open ended plans. Ipapromise nila na sila ang magbabayad ng tuition fee, pension o memorial services, etc. mo in the future. (But promises are meant to be broken.. Jk 😅) habang ang life insurance naman ay may guaranteed face amount, non guaranteed dividends o fund value ng iyong investment.

4. Kadalasan, ang pangalan ng mga pre need companies ay nagtatapos sa “plan” habang ang pangalan ng insurance companies ay nagtatapos naman sa “life”.
Halimbawa:
Pre need: College Assurance Plan, Pacific Plans, PhilPlans
Life Insurance: Sun Life, Philam Life, Pru Life, Manulife

Marami pa itong pagkakaiba. Sana tayo po ay makapagbasa at matuto pa para mabuksan ang ating isip sa importansya at mga benepisyo ng life insurance sa atin at sa ating mga mahal sa buhay.

Kasi kapag tayo biglang nawala, paano na lang ang mga maiiwan nating mahal sa buhay? Maganda kung pera ang maiibibigay at maiiwan natin sa kanila di ba? Kaysa naman utang 😊

Our OFW Journey is TEMPORARY.

Walang forever na OFW kaya save as much as you can while you earn well. If you can SACRIFICE working abroad for 5-7 years, why not sacrifice 7 years of SAVING.

Hindi masamang tumulong sa kapwa lalo na sa pamilya pero siguraduhin na meron naitabi para sa sarili. 20% of your income invested now will make a difference once you stop working.

The best time to save is when you started working but don't worry, if di ka agad nakapagsave, it's not too late. The next best time to save is NOW.

Financial Literacy is your best friend. Don’t be afraid to seek for help/advise. 🙂

Start thinking about the future you.❤👉💯




me for details

LEARN FROM THE EXPERT!

Open for FREE to all OFW and their relatives here in the Philippines.

I'm inviting you to our FREE Financial Planning webinar "Sulong Tungo sa Magandang Buhay ng Pamilyang OFW."

This webinar will be featuring two of the country's sought after speaker on financial planning, Mr. Randell Tiongson and Mr. Rex Mendoza.

🗓️ Event Date:
September 21, 2021| 6:00 PM, PST.

📌Just send me your full name, email address and mobile number for FREE REGISTRATION

ITS FREE FOR ALL OF YOU & EXTENDED SA FAMILY MEMBERS NYO!

FREE PERSONAL ACCIDENT & COVID-19 INSURANCE PROTECTION! COMMENT BELOW OR MESSAGE ME SO I CAN REGISTER/ ASSIST YOU FOR FREE!

GUSTO NAMIN PROTEKTADO DIN KAYO AT ANG PAMILYA NYO LALO NA SA PANAHON NGAYON!

This Free Product Offer refers to Group Personal Accident Insurance with the following benefits:

Base Plan

P25,000 Accidental Death and Disablement/Dismemberment (ADD) Benefit
P10,000 Burial Benefit**


Additional Benefit

P50,000 Death due to COVID-19
P50,000 Death due to COVID-19 Vaccine


Coverage period is 12 months from Coverage Start Date

**In case the Insured dies due to natural means (illness, stroke, coronary artery disease, etc.) and not due to an accident

Note: Refer to the FREE Personal Accident – Accidental Death and Disablement/Dismemberment (PA-ADD) Benefit Plan with COVID-19 & COVID-19 Vaccine Protection Cover Terms & Conditions for the complete details of each benefit.

Mas magandang maniguro kesa magsisi sa huli! Lalo na sa panahon ngayon!

FREE COVID-19 INSURANCE, yes LIBRE PO ITO, PWEDENG IPAGKALAT! PAKISHARE SA MGA FRIENDS AT LOVED ONES NYO... Just click the Link, download PULSE, register and dont forget to put may REFERRAL CODE:70038966

Free Personal Accident Insurance with burial benefit, death benefit due to COVID-19, now with COVID-19 Vaccine Protection benefit.

https://www.prulifeuk.com.ph/en/health-insurance/free-pa-covid-19-and-vaccine-protection-cover/

COMMENT HERE OR PM ME IF NEED NYO PO NA I-ASSIST KO KAYO! THANK YOU!

FREE PA-ADD with COVID-19 & COVID-19 Vaccine Protection Cover | Pru Life UK Philippines Free Personal Accident Insurance with burial benefit, death benefit due to COVID-19, now with COVID-19 Vaccine Protection benefit

If you have an income protection plan with investment, you may use the accumulated fund for your future needs such us education funding.

Start early. Sabayan niyo ang paglaki ng baby niyo with savings. Next thing you know, million na na-saved in 15 years!

Yes you CAN! 🙂💪

FYI guys! Para sa mga naghahanap ng better OPTIONS!!!

Nagsasave ka sa Bank, with 0.25% Interest rate.. Inflation rate is now 3.50%. 🤦🏻‍♀️

So yung pinaghirapan mong ipunin, pababa lang ng pababa yung value. 😞

It’s okay to save in the bank for your immediate needs. But if the purpose is for your future needs and goals, para sa education ng anak mo, para sa retirement plan niyo ni Wifey/Hubby mo. Well, this is the right time to look for the other option to grow your money and beat inflation.

If you want to know more about other options, my lines are open for inquiries! 😇

Looking for an additional income but:
📍 Do not want to Quit your Corporate Job
📍 Do not want to give up your Own Business
📍 Do not want to Sacrifice your Leisure Time
📍 Want to Travel Abroad and local for Free
📍 Want to make an impact in One's Life

If this is you, let's talk.
Enjoy the real work life balance

Have a part-time career with us and earn P30k+++ additional monthly.

Be one of us!
Jeane Frayco - Ceriola
Unit Manager
Pru Life UK

Plan for your retirement now! Ask me how for FREE!

⭕GOOD NEWS! GOOD NEWS! GOOD NEWS!⭕

The insurance industry remains resilient and continuing to generate growth around the world in the midst of crisis. Bringing another GOOD NEWS this time.

Remote selling is now permanently allowed! Very convenient!

Hey, are you looking for a part time/full time job, WORK-FROM-HOME set up? Feel free to message me if interested 📩

"Millennial now, Millionaire later"

You shouldn’t just enjoy life while you’re young. You should enjoy life at every stage of your life. Discipline yourself early to moderate your lifestyle. Do not live beyond your means so you can achieve your the soonest. Sure you’re young now, but that is exactly why you should start investing and protecting your future.

Here are the benefits of investing in on your 20’s:

✅ It is cheaper
✅ You are healthier
✅ You have less responsibilities
✅ Your money will earn more with longer time of investment

Start your Insurance + Investment = INSURAVEST with the best! ☔️

Message me for free financial consultation today 😁
with Pru Life UK