PRUtureTalk With Angge

Your support means a lot as I share these stories! 🫶🏻✨

I am helping individuals and families protect their future while growing their wealth. I’m a Licensed Financial Consultant specializing in VUL and long-term financial planning, combining life protection with smart investment strategies for real peace of mind. Life can be unpredictable, but your financial future doesn’t have to be.

I can help you create a plan that covers
✅life insurance
✅health or critical illness protection
✅medium- and long-term savings
✅educational planning for your children
✅retirement preparation
✅estate planning to ensure your legacy is secure

Let’s build a plan that works for your life and your goals. I offer free Financial Planning, message me if you want to get started and for more inquiries 📩 ☺️

👨‍👩‍👧‍👦 2026 𝙁𝘼𝙈𝙄𝙇𝙔 𝙎𝙀𝘾𝙐𝙍𝙄𝙏𝙔 𝙋𝘼𝘾𝙆𝘼𝙂𝙀

Because your family deserves peace of mind, not just promises. ❤️

For as low as ₱7,500.00, you can already start building your family’s financial protection plan!

This ALL-IN Family Insurance Bundle can cover:
✅ 𝐋𝐢𝐟𝐞 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 — protect your loved ones from life’s “what ifs”
✅ 𝐄𝐝𝐮𝐜𝐚𝐭𝐢𝐨𝐧 𝐅𝐮𝐧𝐝 — make sure your kids’ dreams don’t stop
✅ 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐅𝐮𝐧𝐝 — enjoy your golden years with comfort
✅ 𝐒𝐚𝐯𝐢𝐧𝐠𝐬 𝐟𝐨𝐫 𝐌𝐢𝐥𝐞𝐬𝐭𝐨𝐧𝐞𝐬 — start funding your goals, one step at a time

𝗖𝗮𝗻 𝗯𝗲 𝗰𝘂𝘀𝘁𝗼𝗺𝗶𝘇𝗲𝗱 𝗯𝗮𝘀𝗲𝗱 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗯𝘂𝗱𝗴𝗲𝘁!
Yes, kaya mo ‘to — 𝘣𝘶𝘥𝘨𝘦𝘵-𝘧𝘳𝘪𝘦𝘯𝘥𝘭𝘺, 𝘭𝘪𝘧𝘦-𝘤𝘩𝘢𝘯𝘨𝘪𝘯𝘨.

𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗮𝗽𝗽𝗹𝗶𝗰𝗮𝘁𝗶𝗼𝗻 𝗻𝗼𝘄 𝗼𝗻𝗹𝗶𝗻𝗲 — no hassle, no face-to-face needed!

Message me today.
Let’s secure your family’s future, the smart way. ❤

Angelica S. Valenzona
Licensed Financial Consultant
PRU LIFE UK

Kasagaran nato diri sa Pinas, usa gyud ka dako nga problema ang ESTATE TAX.
Daghan ug mga properties nga gikan pa sa atong mga katigulangan, pero maglisod ta ug transfer tungod sa taas nga bayrunon ug proseso. 😔

Mao ni akong gina offer, ESTATE PLANNING.
Para kung muabot ang panahon nga kinahanglan na e transfer ang properties, dili na maglisod ang imong pamilya. Mas sayon ang proseso, mas gamay ang stress, ug naa gyud peace of mind para nimo ug sa mga taw nga imong binlan. 🥰

📩 Message me if you want to learn more about ESTATE PLANNING. I am Angelica Valenzona, a Licensed Financial Consultant of PRU LIFE, UK.
Let’s secure your legacy while you still can.

ESTATE TAX: A BURDEN NO GRIEVING FAMILY DESERVES

These past months, my brother and I have been working on the extrajudicial settlement of our sister’s estate. She worked hard all her life until retirement, lived quietly, never married, and left a modest estate. Yet despite the recent exemption for the family home, the process has still been long, expensive, and emotionally draining. And every new requirement felt like reopening the wound of losing her.

If this is difficult for us, how much more for families with fewer resources, no lawyers, and no guidance?

Across Asia, many countries have already removed estate or inheritance taxes, Singapore, Hong Kong, Malaysia, Brunei, India, Thailand, Indonesia, Cambodia, Mongolia, Bhutan, among others. Australia and New Zealand have done the same.

They abolished the tax for one simple reason: Estate tax raises very little revenue, but it causes enormous hardship for ordinary people.

Here in the Philippines, inheritance is seldom about wealth. It is about a small house, a tiny lot, or farmland a parent worked on all their life. Yet heirs still face:
• Fees they cannot afford
• Paperwork they do not understand
• Penalties for delays they never intended
• Properties left frozen for decades because taxes were simply too heavy

Meanwhile, the wealthy quietly avoid estate taxes through trusts and legal structures. It is the poor who suffer, those who only want to keep the home their parents already paid taxes on again and again.

This is why so many nations moved away from estate tax. It traps families in grief and poverty, and turns hard-earned assets into “dead capital” that no one can use, sell, or develop.

So maybe it’s time to ask a deeper question: Why must we tax families at the moment they are hurting the most? Why must death come with a bill?

If our neighbors can choose compassion and common sense, perhaps the Philippines can choose it too, for dignity, for fairness, and for every Filipino family simply trying to move forward after a loss.

Jedi’s monetary gifts since birth are listed and separated properly, but the wisest decision I made was to use them to purchase his own Insurance Policy, complete package with Life Insurance, Health Insurance, and Investment, which is intended for his bright future. Kalooy sa Ginoo, his gifts can cover almost 2 years of premium payments. 🥰

Bank savings for babies are also good naa puy iya pero gamay ra kay unsay imong ibutang, kasagaran diha ra gyud siya kutob. While with Insurance ang emu ₱1,200–₱1,500 per month, it can grow into ₱500,000 of life coverage protection that’s why I chose Insurance over Bank Savings.

If you want to know more details ani, just DM me. I offer free financial planning. Pwede ra ta mag Video Call 😊

100 pesos lang puede na kayo makapag open ng bank account para sa anak po ninyo. nilista ko na para sa inyo.

Ito si daughter nung 4 years old sya. Maaring noon hindi nya pa naiintinidhan kung ano ang inaabot nya sa teller pero as she grows, nauunawaan nya na at nadedevelop ang habit ng pag se-save. Turuan natin sila mag save habang bata pa kasi "habit-forming" ang pagiging masinop sa pera.

Kapag naging part na ito ng system nila, kahit pag laki nila, mas conscious sila sa gastos nila, how to help the family sa pag bubudget and later on in life maaring mas maging entrepreneurial sila at nasa consciousness nila mag invest.

Daughter is 11 years old now and ito ang napansin ko sa kanya dahil maaga sya namulat sa pagse-save.

- Pag may natatanggap syang money, sa halip na iniisip kung anong bibilhin, tinatabi nya ang pera.

- Dahil nauunawaan nya ang value ng money, pag nasa store kami at may gusto syang bilhin pero hindi naman kailangan at nasasabay sa ibang gastusin gaya ng monthly bills etc, hindi sya mag iinsist bilhin. Walang attitude, hindi rin magtatantrums o magdadabog.

- Ginagamit nya mga gamit nya hanggat puede pa. Yung shoes nya sa school halimbawa, gagamitin nya basta hindi pa sira kahit luma na.

- Tumutulong sya mag isip ng ways kung paano namin puede mapalago ang pera namin.

- Together na a-achieve namin ang financial goals nanin kasi nagtutulungan kami.

Maraming banks where you can open bank accounts for kids. Usually, mababa lang ang initial deposit like 100 to 2000 pesos depende sa bank. Here are a few:

BDO Junior Savers Club
Minimum Initial Deposit: P100
Maintaining Balance: P100
Minimum Balance to Earn Interest: P2000

Eastwest Kiddie Savers
Minimum Initial Deposit: P2000
Maintaining Balance: P2000
Minimum Balance to Earn Interest: P2000

RCBC Go Savers
Minimum Initial Deposit: P100
Maintaining Balance: none
Minimum Balance to Earn Interest: P5000

Metrobank Fun Savers
Minimum Initial Deposit: P100
Maintaining Balance: P500
Minimum Balance to Earn Interest: P4000

BPI Jumpstart
Minimum Initial Deposit: P100
Maintaining Balance: P1000
Minimum Balance to Earn Interest: P2000

Security Bank Junior One
Minimum Initial Deposit: P100
Maintaining Balance: P5000
Minimum Balance to Earn Interest: P5000

*please check with bank if terms have changed

Depende sa bank yung iba may debit card, passbook and meron puede imanage gamit ang mobile app. Choose one na match sa financial journey ninyo

They say life insurance plus investment is a scam.

But why does the Philippine government recognize my name on their official website? You can find me at www.insurance.gov.ph.

If you want to learn more about how it works, e message dayon ko aron madiscussan ka bahin ane 😉 pamasin na diha kay libre ra pangutana ☺️

Indeed 💯 “Love alone can’t sustain us” di na uso karun ang bahalag saging basta kay labing, Bahala uroy mo 😂😂😂

Kay dili kini makabayad sa bills, dili na makapanalipod sa mga kalit nga panghitabo sa atong kinabuhi. Maong kinahanglan nato ang life insurance with investment aron masiguro ang kaugmaon sa atong loved ones ug aron makasuporta sa atong pangandoy nga gehemo tungod sa atong gugma sa atong mga hinigugma o pamilya.

Naaba kay pangandoy para sa emu pamilya pero nag lisod kag hatag? Message me tabangan tika, as a Licensed Financial Advisor e konsulta ang emu mga financial worries, makahatag rako ug free consultation and let’s plan ahead for a brighter future 📩😊

Real love plans ahead.

Now that I have a family of my own, I realized my parents were right. Love alone can’t sustain us.

Iba ang alagang may plano.

Let’s talk. Sagot ko na ang love language mo.

Wow, congratulations to all the achievers! 😍 I’m manifesting to be one of them soon. 😄🙏✨

Pru Life UK celebrates its top agency performers with the 2025 Annual Awards.

“Pa-sweldo na! Pero bago gumastos, isipin ang future! 🎯💡”

Treat yourself, but don’t forget to invest in security and growth. Life insurance with investment lets you enjoy today while preparing for tomorrow. Sweldo smart, future secured! Message me to learn more 📩