19/12/2023
Please READ‼️‼️‼️‼️Just to give insights on this article circulating the past few days. Not to defend but to make the public understand on the value of what they are getting. Getting a life insurance plan, one must consider the ff:
1. Sufficient Understanding of the Policies you are getting.
VUL plan is an Insurance Product with Investment Component attached. One must understand that getting this product would entail certain costs that must be disclosed upon the application process of the client. While it is the role of the financial adviser to let their clients understand, unfortunately, some insurance agents would always fail on this part, and at some instances can no longer be seen AFTER SALES.
Premium Charges, Surrender Charges, Cost of Insurances, Rider Cost of Insurances— everybody must take into consideration these factors affecting the investment. BUT A WELL KNOWLEDGEABLE AND CONCERNED FINANCIAL ADVISER would always find ways to make their valued clients understand these factors and even help them if not to avoid, minimize these costs by simply eliminating such thru careful financial needs analysis.
FYI:👇
*Cost of Insurances can be adjusted
*Supplementary Benefits are optional and not Compulsory
2. Getting a Reliable and Well Trusted Financial Adviser
Insurance Agents come and go. Be keen to choosing a Financial Adviser whom you can journey with thru the years. You must be investing your future to someone who can serve you even AFTER SALES. Sabi nga nila, choose a Financial Adviser na sasamahan ka hangang sa pagtanda.
3. NOT ALL are insurable.
As much as we want everyone to be insured, not all people are qualified to get life insurance. Medical Histories, Occupational Hazards and other Risk Factors are considered upon application. Your Financial Adviser knows that failure to disclose such upon application would result to Denial of Claims due to Non Disclosure of Pertinent Client Information.
A Concerned Financial Adviser would not want you to be put in that situation when that time comes.
4. Opinions are Valid BUT Consider also those Financial Advisers who are doing Extra Ordinary Services to their Valued Clients.
If You Need Help, I am extending my services to you. Let’s Talk! 📩
