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SSS vs VUL

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Pre-Need Plans (like CAP) Vs. Life Insurance

“Naku, mahirap yang insurance, baka mamaya matulad sa CAP, sayang lang ang pera mo.”

Isa sa pinaka-matingkad na dahilan kung bakit maraming Pilipino ang ayaw sa life insurance ay dahil sa nagyari sa CAP at ibang pre-need companies pagkatapos ng Asian Financial Crisis nung 2008.Hindi ko sila masisisi. Maraming tumaob. Maraming nagsara. Sa totoo nga, sa mahigit 200 na pre-need companies na meron nuon, 20 na lang ang in-operation pa rin hanggang ngayon.

Kung ang dahilan kung bakit ka walang life insurance ay dahil takot kang masayang ang pera mo at mauwi sa wala ang investment mo, lilinawin ko lang ulit, magkaiba ang life insurance company sa pre-need company. Hindi life insurance ang pre-need plan.

At higit sa lahat, WALA, KAHIT ISANG LIFE INSURANCE COMPANY sa Pilipinas ang nag-sara, tumaob or na-bankrupt. Mas marami pang bangko ang nag-sara na kesa sa life insurance companies.

Merong ngang mga life insurance companies na in operation na sa Pilipinas bago mag-1898. Ibig sabihin, mas matanda pa sila sa Republika ng Pilipinas at nasubok na ng rebolusyon, World War II, Martial Law at mga kudeta. Pero nandyan pa rin. Isa na dito ay ang SUN LIFE FINANCIAL proven track record at #1 Insurer in the Philippines.

Again, Wala pa pong nagsasarang life insurance companies sa pilipinas. Insurance commission, the one governing all insurance companies in the Philippines, requires an amount of money (from all insurance companies) as reserve fund. This fund is used in case of massive death in the Phillpines. Actually may mandate din ang insurance company na kapag may tendencies na mabankrupt or malugi ang isang life insurance company, it needs to be acquired by a larger insurance company. Kaya walang nagsasarang insurance companies, panay acquisitions lang.

Magkaiba po ang Life Insurance sa pre-need plans.

Kung gusto mong malaman ang pagkaka-iba ng Life Insurance at Pre-Need, eto ang table sa ibaba na nagkukumpara sa kanila:

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Now is the time

4 Total Disability Benefit claims approved! I never thought that I will get these claims from Sunlife because of my injuries that I have suffered for more than a year now. Pero totoo pala yong protection na binibigay ni sunlife sa mga clients nya because of the uncertainties na pwedeng mangyare sa buhay. I am just thankful because of the peace of mind and the financial security that it gave me during my lowest times. Gusto ko lang po i-share because its never a bad time to get yourself and family covered. And if you already have one, please keep it up and continue to share to your friends and family. Thank you

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